Are you using your Credit Cards to make ends meet?

Sometimes I have to do this, too, just because I didn't budget my pay check out very well. I try to use it as a last resort, though, although it doesn't always happen. The one thing I usually end up needing is GAS for my car - and so that's usually what I charge if anything. Good luck with your financial situation.

I did exactly that and now my credit limit has also reached. I need to do something fast and get my credit card back in order before things go haywire.

Hello, My fiance took out way too many cards and yes we did depend on them way too much and got ourselves in a bigger mess ;*( Those really can be the worse thing if you go to far . The bill gets high and if its on a few it adds up . We are kinda back on track now and make limits , but it will take a long time . I see my brother now using the cards just to get by, but people sometimes dont have a choice .

Since last November we have only done a few jobs (We are in construction) We have just about gone through our savings. We have no credit cards to live on, but what we have been doing is slowly selling off different things to get us through.

be careful using your credit cards they are well very dangerous I personally dont use credit cards Really hope either of you find work real soon as its a dangerous position to be living off credit cards

I don't have a credit card.I still prefer using cash.I might not be able to curb my spending when I use credit card.using cash can help me monitor my spending.I can see how much I spend for clothes and food.from there I can easily adjust my spending.

We have no credit anymore. At this time, we are lucky, and are fully employed. However, we did end up in your position a few years ago, and for six months no one would even interview my husband.To make matters worse, we even believed some of the money making schemes and scams online. We lived off of my credit, established during a previous marriage. We got to the point we could not even make minimum payments, and hubby was supposed to pay the bills but did not, because he did not know which one to pay or not pay. He was not careful to make sure they were paid on time. The interest rates went up awfully. We are just now in a position to start paying things off. We have some judgments against us. We had some medical bills when uninsured. My advice to you is to economize as much as possible, earn money any way you can, make those minimum payments and do not pay them late. Things will turn around. Just do your best to stay afloat.

I only own one credit card and I've actually never used the thing. It's there for emergenices only. I've had it for several years too. I'd like to think I have pretty good control being able to hold off and NOT use the thing. I really work hard on not over extending how much money I end up paying a month. I really try hard to avoid buying anything that I don't need so I'm not wasting money so I can afford to pay for other things that are more important.

Hi there,I've been trying exactly what you mentioned during the first year of my working,when I got very very thin salary.Thus,my credit card help me got thru those hard days~even I will have to pay back to the bank 30 days after my consumming.... Have a nice weekend~

I do not have a credit card, and I do not like to use a credit card. I certainly have a headache that many payment. if we spend the cash, the money we spend does not feel.

Hi and smile. I do purchase a lot using my credit card year 2006 and 2007. I was so addicted shopping because i do know i have available credits to use. But then it changed when i experienced financial problems. I became so wise spending money and never use credit cards anymore. Happy mylotting and smile always!

As much as I wanted to have a credit card to catch up the times that we don't have the money to go for grocery, but I am not given the chance to have one. Which on the other hand makes me feel good because the mere fact that these credit cards have high interest rates and with the kind of salary I have, I don't think I could pay the debt at the right time. But luckily for us, we have a family friend who is also our neighbor who owns a small grocery store who would let us get grocery goods and just have it list in a notebook. She would just let us pay her during our payday.

not a good idea to use credit cards, because you may keep on use the credit cards until you carry a heavy load of debts that you cannot pay up and that is very dangerous as the interest rate is so high that the amount just keeps on rolling to a point of no return where you have to declare bankrupt

Yep, we've been trying to survive using credit cards before our next paycheck. At this moment, there is nothing we could do since our savings are now too small. But we're not making it a point to max out our cards, since we're paying our dues when we have our paycheck, just too bad since small amount is left for us resulting to using again the credit card.

Due to medical bills and other things, the credit cards are out of control. If we were unemployed, we'd be maxing them out so fast, we wouldn't be able to use them unless we did some MAJOR cuts.

my credit limit on my card isn't very high so i can't use mine as much as i need to,i use mine mainly for petrol and odd bit and peices i need

Luckily we arent having to resort to credit cards, i only have one and it has a pretty low limit anyway. I have however been putting a few pounds away here and there as an "emergency fund" and if i am short on money i will just pull a little bit from there. I got into a lot of debt a few years ago so i try my best to avoid it now. Both myself and my partner are employed though so we do have money coming in.

i used to have one before and its only a big problem to me... like if you have credit card your tempted to buy things thinking that your not giving out money in one pay.. sometimes its hard to give or pay big money one time. and we are thinking that in credit card, we can pay whatever amount as long as you can pay it in full on or before expiration date.. sometimes we missed to pay monthly due to we have another bills to pay and very important than credit card bills. but if we could only think about the interest... it looks like.. were just paying the interest and not the amount we originally owed... of course we cant tell the future... like if lost our job or if there's something bad happened to us.. and the interest will keep on getting higher and higher.. aside from the fact that someone will going to threat you and keep on giving you a never ending calls of when we will going to pay and etc that will only add problem to us... so after i paid it i closed it immediately.. my life was so easy before as i even have bank savings but everything was gone bcoz of credit card... it might help temporarily but at the end... it might kill...

I can relate to that. There have been some time when we have had to use the credit card for daily things. I try not to use it as much because when I am paying back the credit card we are paying more than we spend on the credit card. Try and avoid credit card. It is the best thing you can do. Happy saving and happy lotting.