Today I did something that I hope more people will do as a result of reading this post: cut up my unused credit cards and closed the accounts.  Had I paid cash up front for everything I put on these cards in the first place, I could’ve bought an entire new wardrobe by now with the money I’ve spent on interest!  Sorry Visa, Mastercard, Discover, and Chase, I no longer work for you!  Now I can use that extra money to save, and only buy the clothing and other products that I really need.  Recycling old clothing by donating to your local shelter is a great way to help others out, please do so whenever possible.  Yippee!