Worried that you’ll break down and use your credit cards on a frivolous purchase before you pay off the balance? Make the physical cards difficult to access by placing them in a jar of peanut butter. You’ll probably want to put the cards in a plastic baggie before burying them in the jar, but if not you’ll have even more incentive not to use the card.
We’ve all seen the freeze your credit card in a block of ice trick before – hiding them from burglars – but personal finance blog Squawkfox recommends placing your credit cards in a jar of peanut butter. I can see a few advantages of using peanut butter as a delay mechanism rather than ice; it doesn’t take up any freezer space, and while most burglars know to check the freezer, very few of them will take out enough peanut butter to find your cards.
The idea being that if it’s too difficult for burglars to steal your credit cards it’s unlikely you’ll spend less-motivated energy schlepping them out of the peanut butter yourself and cleaning them up to use for an impulse purchase.
I know. It’s a pretty dumb idea. Lots wrong with it. But, every time I wander past it in the file I keep for blog ideas – I can’t help smiling. Maybe you will, too.