Using Credit Cards

If you only do one thing to improve your financial life that one thing should be to stop using credit cards. I have been living a debt free lifestyle for 9 ½ years and I too sometimes fall under the lure of the easy access, getting it now, pay later, etc. We all can be vulnerable. I've said it many times, we are creatures of habit and change does not come easy to most of us. Many experts say that doing something 21 times makes it a habit so we should choose to do good, productive, healthy things 21 times to make that habit. So let’s try with not using our credit card for any purchase for the next 21 days or next 21 one purchases.
You know the truth about credit cards, we trade quick pleasure (I want it now) for long term pain (pay excessive amount of money in interest charges). I need new appliances, I can get them by noon tomorrow if charge it on my 18% APR, Annual Percentage Rate, "Disaster Card." If I make the minimum payment I will pay off my new appliances about 5 years after I need more new appliances, it will take me 21 years and 3 months to pay off the $2,000 charge on my credit card. I will end up paying $12,750 for $2,000 worth of appliances. Who got the deal here?

This is what it comes down to...looking at the purchases we make in total cost, not jus the fancy, bright light, get it today cost. Do you know anyone that is willing to pay more than 6 times the value for a product that depreciates?