Living Without Credit Cards takes more than just a pair of scissors and going cold turkey. This episode walks us through Step #3 to wean us off our dependency on plastic. Here is a recap of the steps so far: To get rid of your credit card debt, work with a Dave Ramsey Trained Financial Coach. Visit http://SteveStewart.me/coaching Step 1 - Take your cards out of your wallet and put cash in your wallet instead. Step 2 - Delete credit card numbers from your online accounts and use BillPay for online payments. Step 3 - Freeze your credit card accounts from any further charges and use the money you have been saving to build up your emergency fund.