Book Of Likes Faces

In my opinion: Closing CC accounts can be bad as its credit history that makes up for some of your credit score. If you've had some long standing ones, I'd just use it as a revolving card for some things that get paid monthly. Just make sure to pay if off each month. I pay my card off two weeks before it's due dates.
You have to be mindful in how you spend. If you are going to cash only why not change your mentality to that. Before you swipe your card, ask yourself if you have the cash on hand to pay it off, if not, don't buy it. And don't depend on getting the money at the end of the month. If you don't have the cash that day, don't buy it.
It's good to have some credit cards open, even just for emergencies.

I've never had a credit card. I also don't keep a debit card connected with my bank account. When I have done this in the past, I tend to overspend because I don't seem to accurately keep track of the balance in my account without constantly checking it or calculating. So when I get paid, I take out just a little bit of money for whatever I need at the time. Groceries or household supplies, pay a bill, whatever. I physically have to go to the bank and take the cash out. Since I don't have a debit card connected to the account, obviously I can't go to an ATM either.
So if I don't get money out of the bank when the bank is open, I can't get money out. That tends to help me save. Keeps me from spending frivolously, especially on weekends and evenings during my free time. Because the money in my wallet is all the money that I have access to at the time, so in my mind, if I have some sort of sudden need, I want to hang on to that money or as much of it as I can because I can't get more money out of the bank until they open again. Just works for me, I've done it this way since I was 17.
Also, if I take out "spending money", say $100 for a weekend, when I get home, I'll take a portion of that, say $20, and put it into my wooden box bank at home. The wooden box Bank just has a slit in the top of it to put money in, you can't open a lid on it or see into it. So I don't actually know how much money is in it. The only way to open the box is to unscrew the 8 screws in the top of it.
And they're not Phillips head or flathead, they're hex head, so you need a special hex key to undo them. I took my hex keys to my dad's house. So it's a hassle for me to get into the bank box. I've only opened it once in the last 7 years, no idea how much money is in it now. I tried to throw at least 20 or 30 a week in it.

My tip is to NOT to close them once they are paid off-the longevity and positive payment history will benefit your credit history.
What I do is use my cards once a year at Christmas for one small gift and pay it off asap (I have the cash for these purchases-and I literally charge like $10 )
It keeps the cards active.
Then forget you have them and resume cash only!!

I put most of our joint bills on either my card or my wife's credit cards. and auto pay it directly from our joint checking account. We put in an amount that would cover our joint bills in that account and pay everything with it. always make sure we have the money whether its for fun stuff or essential items. no money, no honey.

Forget you have them and resume cash only, that’s a great idea! My mom use to pay hers off and freeze them, like in the actual freezer so it would take a while to defrost and she could really think about the purchase. 
Personally, I have 0 credit cards and haven’t had any for at least 10 years

I had a VW one big thing with them is they need a different set of tools to use for maintenance/ repair making it more expensive.. we had a non hybrid corolla , my husband totalled it out (extremely bad accident) walked away without a scratch! I'd recommend Toyota for sure!

My Mom and my Dad use to pay their credit cards off and then, they place them inside the freezer, like in the actual freezer so it would take a while to defrost and she could really think about the purchase. I decided to do the same but, then when I was needing them it was a lot of frustration and I quit, never don it again.

Do you each have one job? Maybe adding a part time second one could help you get a savings going for school and also a cushion for hard times that may come along. Also create a written budget so you know where all your money is going. Something may pop out at you with this that you can cut down or cut out completely.

I foolishly closed all my cards when I paid them off. Lowered my credit score so much I couldn't get credit cards for a long time.

I just got my car last year so for me 4 more years. For him I believe maybe 3? When we are both working it’s manageable.

I will have to agree with if you close them it will affect your credit score? because closing long standing credit could negatively affect your credit score...I would keep one at least for emergencies...

I have 0 credit cards and haven’t had any for at least 10 years already, and I don't miss them ever because I pay cash all my deals.

I stop and think how many hours do I have to work to pay for this.
 I'still on the fence about closing them. I’m thinking I should.

That’s very smart! Good tips.
We keep a main credit card open that has reward points....we pay it off every month....you have to be disciplined and NO impulse spending...just essentials.

As an Aussie and dealt with the heat ... our key things were the afternoon sun was hottest so always covered those windows... any sun getting in will heat up place ... my parents planted trees on the hottest side of the house to provide shade ... if you are home drink plenty of cool / cold water ... have a tea towel with ice in it for the back of your neck ... and it might sound obvious but wear cool clothes ... socks or trousers are too hot so only wear if you have to ... I tend to only wear dresses xx size. 

Once your in a debt free situation I think just your mindset will change bc you will feel so free.
I consolidated all my credit card debt though my credit union, which allowed me to pay considerably less and not incur any more interest. A few weeks after I finished paying off my debt, I got the opportunity to move overseas for a year, something I couldn't have done with those payments over my head. Funny how things happen like that.

Things always work out as they should! I’m praying for the same!
I have one credit card and one debit card. If I use the credit card I make sure I pay it off each month.

Me too! I like earning my airline points!
I use a credit card, not cash only, but I pay off my credit card every month by the monthly pay by date, thereby not accruing any interest. I only charge large amounts when I know I can cover it, like an upcoming vacation for next year. I have an emergency fund for unplanned repair or expenses & can transfer funds, if needed to cover the need to buy an appliance or pay for repairs. Keep up the great work paying off debt, save for an emergency fund, buy only "needs," not "wants." You'll get there and then want to stay there...

I’m building that, only have one month saved but my goal is to have 6 months, I’m trying to be careful because I’m transitioning careers soon ( going into teaching finally ).

We are going back to the cash envelope system.
Meantime, I use a budgeting app and its changed my life.. also accountability.. but once i saw debt going down and savings going up it helped me become more motivated that it was possible. the budget has to be more reasonable.

Cut off any dept store and gas cards. Keep one major credit card for emergencies and use it now and then for a small purchase to keep it active. You may have an emergency one day and need that card to rent a car or have your AC fixed or whatever.

Hahahahahahahaha wow. I would be happy to host a little online thing to explain, of there is any budget.

My parents are finally out of credit card debt. $85000 yes thousand dollars. Took 20 years for them to build it up and knock it down. No fun stuff either. Just living and fixing the roof or cars or kids or whatever. No vacations or fancy outfits. Anyway what I do now is put everything on a credit card and pay it off immediately through their online bank account. That way there's no interest plus they get the special reward points which I use for gift cards. They are free.

Don’t go into stores except for grocery stores.
You see, I don’t like shopping, sadly they were up there for little things like gas and sports equipment for the kids. Thankfully I’m not a big shopper and I’m telling my kids no over and over to junk! Time they learn early.