The 30-Day Credit Card-Free Challenge

Take the first step and get back on track with your finances in just one month.

The 30-Day Credit Card-Free Challenge

A swipe here, a swipe there—credit card spending can easily get out of hand, and when you’re saddled with credit card debt, the road toward financial freedom can seem endless. Try this 30-day challenge from personal finance experts Ric Edelman and Lynnette Khalfani-Cox to help you take charge of your finances once and for all.

Freeze Your Credit Cards…Literally

The first step to regain control of your money is to stop using plastic. Call up your credit card company and place a hold on your account. If you know you need to use your card in the future, put your credit card in a Tupperware and place it in your freezer. Literally freezing your card forces you to be mindful of how many times you reach for it. This action imposes a cooling-off period so you can rethink your purchases and determine if they’re truly necessary since you’ll have to wait for the card to defrost before using it.

Exactly How to De-Escalate Aggression From a Stranger

Follow security Expert Bill Staton's important advice to keep yourself safe.

Have you ever had a tense interaction with a stranger in public? Perhaps your shopping carts accidentally knocked into each other or there was a misunderstanding in communication and the other person gets angry. You may wonder how you can de-escalate the aggression and exit the situation safely. So security expert Bill Stanton has your go-to advice for staying alert and protecting yourself in the face of verbal aggression and physical attacks.

THE INITIAL INTERACTION

Bill Stanton: "It always starts with something small, like someone being too close to you, or even more common, you get bumped by a shopping cart. You want to look at their eyes first -it may reveal emotional changes. But you can't rely on just that. Look at what their trunk is doing; a person's torso will reveal their intent. Body language like raising hands, heightened expression, tense shoulders — these are natural responses to a person who is feeling threatened and will escalate. They may begin to zero in on the space between you and them, and their voice will get louder and louder. You want to read this before it gets further and becomes explosive."

Keep Reading Show less