The "Vow"- and 7 questions to help you avoid using credit cards

The "Vow"- and 7 questions to help you avoid using credit cards: "At times I feel like I’ve taken a vow of sorts. And this vow guides me, irritates me and gives me amazing freedom, often all at the same time. This vow, this guiding principle if you will, allows me to live my life without a lot of financial guilt or confusion. It gives me the peace of mind to know I am slowly but surely building my future while living a balanced life in the present moment."