Bonus task: Put the credit cards you don’t use in a safe place.

Dave Ramsey would tell you to cut up your credit cards, and I don’t disagree.  But we keep ours and simply put them in our safe so that we cannot use them but still have them just in case.  (We do have an emergency fund, for those of you who are curious.)  I have ours stored safely in our safe in an envelope inside a page protector in a three-ring binder.

Time required:  Five minutes.

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