I have a "fixed address" so that part doesn't apply to me, however the spending part does.
I haven't tried to write an "out-of-state" check since May 1987, in NYC. The store owner said it wasn't going to happen! Starting that day, and ever since, I use debit, credit, or cash....in that order.
The debit is the easiest.....don't have to fill in all that crap on a check....just sign the receipt....no bill to pay at the end of the month....just deduct the amount in your check register. I just have to stay aware of my bank account balance.....which helps me curb unnecessary spending! Also, using the debit card really helps me track my spending, so I know where almost every penny is spent!
I, too, had a LARGE amount of CC debt ( ~62k as of 3 years ago....
....have paid off
ALL but a
very, very small amount, and that will be paid off in the next couple of months...and it's @ 3.99% down to 0%) therefore using CC is
NOT my 1st choice. Now when I use a CC, it is paid
IN FULL at the end of the month...
ALWAYS!!!
Paying with cash is my 3rd choice, because I never carry much green on me!!! I've found that if I don't carry much cash...I don't spend as much, seems it's easier for me to whip out a fiver, than it is to whip out my debit card!