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Originally Posted by hawaiian bam bam
which is correct is my credit card debt is NOT from cards.the debt i was talking about is when i buy something from ebay and pay with my bank account. so in lamans terms. if i buy $1000 worth of cards and pay for it with my bank account (not a credit card!) then over time that money coming out directly from my bank account can add up pretty fast. then i have to use credit cards to pay regular bills, versus if i didnt buy cards, that money in my account would pay for the bills (instead of cards) that money coming out of my bank account directly could of been used to pay off my bills and credit card debt instead of buying more cards.. im pretty sure i probably just confused you more, but i tried my best to explain it as clearly and elementary as possible. thanks for your concern though!
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At the end of the day it's all coming out of your income, so if you're paying through checking or by CC or with magic beans, you're still clearly amassing debt by buying cards. In other words, if your bank account runs dry, and then you use your CC to pay what would have come from your bank account, then wouldn't it be true that the things you used your bank account for (cards) would be what's driving your debt?
You mentioned emergencies coming up and that happens, so you need to have that set-aside money to be able to handle those curveballs when they come your way. Maybe just put a tighter focus on your budget? I find that paying in cash helps reduce spending. In this day of Paypal and automatic withdrawls it's easy to spend money and not realize the impact it has because it's just numbers on a computer screen. Holding cash in your hands make you think twice about what you're using it for. At least for me it does.