No credit card use for 40 days! yeah!!

Now I'm not going to use my overdraft OR credit cards for 40 days. The overdraft is really a credit card anyway-it's one of those fancy atm cards with a Visa sign on it. When there's no money in your checking it goes over to your credit. This month I'm going to try and pay it down and then the credit could be used as a EF fund only if absolutely needed. I'm also going to try the snowball effect for my credit cards this month for the first time. This is exhausting. I think I am one of those people who keeps myself in debt subconsciously on purpose so I'll always have something to chip away at for fear I get bored.....isn't that silly? As if there aren't perfectly wonderful things to do in life other than tally the credit card bills for hours and hours every month

Never having really understood the $20 challenge, I think I vchanged it's meaning two or three times to fit a different challenge of my own that I'd understand. This one is sticking. oI am challenging myself to not use credit cards for 40 days (Just like lent but more fun!) I have officially survived day number two. It's harder than you might think.....

On Fridays I go out with my Grandma for lunch. She lets me pay only twice a year. I try to sneak the money into the cashier beforehand but she gets really pissed off so I stopped. Today she bought my son a pair of shoes and four pairs of socks, plus our lunches. She says we are the only grandkids out of 6 she buys anything for because the others never even call. We go out to lunch every Friday. She is 87 and very very cranky but has a good heart underneath it all.
I never really did understand the $20 challange so I'm making up my own. It will be to add up for a year things I wouldn't have bought but certainly could use.....like everything I generously received today...