How to bid farewell to credit cards?

From the above, I understand that the problem of the subject is that he uses credit cards to improve his quality of life when he obviously doesn't have that much money. Rather than how to say goodbye to the credit card problem, this shows that it is important to grasp the essence of the problem.

There are three solutions for the subject to solve his own problems:

The first plan: call the bank to reduce the credit card limit to below the salary. This is because you can't spend more than your salary, so there will be no shortage of funds.

The second scheme: make more money and open more sources, which is one of the best ways to improve the quality of life. Only in this way will you feel that you deserve a good quality of life. Learn how to do good things at work, exceed the expectations of leaders, build more contacts and broaden your horizons. Only by doing a good job will you have the motivation to earn more money instead of worrying about money all day.

Option 3: Buying something you like can be used as a way to reward yourself. For example, everyone wants to travel, but if they want to go, they need money. Being a travel fund can't solve this problem. Then the favorite items can also be used as a fund for favorite items. If you save enough 3000 yuan, you can buy a good quality bag.

Does this solve the guilt and worry when you pay back the money, and you don't have to say goodbye to the credit card? It is worth a try.