Two years ago hubby and I decided to stop using our credit cards unless it is an emergency. By so doing we can manage our finances wisely and at the same time free ourselves from debt. I must admit, credit cards have helped us a lot in the past and we are grateful for that. For now, we wanted to limit the use of credit cards and use cash and even debit card in our purchases. Having no credit card bills to pay every single month give us peace and comfort.