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If you want to find something positive in our current economic crisis, it’s that folks are starting to re-think the use of credit cards and frivolous spending. And by “folks” I mean me.

I’ve always been a saver. I get that from my grandmother. But I’m also an impulse buyer who has historically used a credit card for shoes, clothes and travel. No more. To be clear, I don’t have nearly as much debt as the average American. But I still have it, which kinda makes me mad at myself.  So, on this day, January 1, 2009, I’ve got a couple of personal finance goals to share. We’ll call them “New Year’s Resolutions,” just for fun.

1. I’m not going to use my credit card for six straight months. Yes, I’m aware this goal will make my next stroll thru Macy’s a little less exciting, but I’m sticking to my guns here. If I can’t afford to pay for it with my bank card or with cash I shouldn’t be buying it in the first place. And I don’t actually NEED another Preds Hat or shade of eye shadow anyway. I’m hoping that at the end of six months, I will be able to just pay them off (to an amount that’s just there for good credit) and be done.

2. Team Newman will be paying for our December 09 trip in cash instead of with a credit card. Just a few minutes ago, we opened a “Travel Money” savings account with our fave, INGDirect.com. I’ve got four separate savings accounts with ING. You can read about how much I love ING here. And here. Our Travel Money cash will be automatically deposited into our joint account twice each month. Mexico here we come, baby!

I’m sharing these here on the internets because letting you know what I’m up to will hold me accountable. That worked last year, anyway.

I know a lot of folks enjoy hating on New Year’s Resolutions, but I tend to enjoy a good year-long personal challenge. What about you? Have you any 2009 goals you’d like to share?

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