Who knows why, but for some reason, our Chevron card has become a “convenience”.  There happens to be a Chevron right around the corner from our neighborhood and ARGH, we have started running there for little convenience things.  Want some ice cream? Run to Chevron.  No cash for bread?  Run to Chevron.  Not enough time to run to Costco (where gas is the least expensive)? Run to Chevron where gas is very expensive.

Ok, today I am chopping up the Chevron cards.  There is absolutely NO reason for us to have one.  We are on essentially a cash budget (debit card works fine for gas) so the only reason we use Chevron is when we want to either not spend our cash or when we want something when we don’t have cash available - in both cases, WE DON’T NEED whatever it is we want.

Don’t get me wrong, I’m not canceling the Chevron account, only chopping up the cards making it impossible for us to use them.  There’s a whole debate about canceling one’s credit cards and right now, we are not willing to start attacking our credit by closing up cards.   We want to reduce our auto/homeowners insurance expense and having a higher credit score is key for that so… credit needs to get better (not terrible, just not premium).