DIY Credit Card Keychains for Debt Free Living

You may be wondering how DIY credit card keychains can help you with debt free living. When you’re ready to get serious and truly eliminate your debt for good, you cut up your credit card. Why? It is because if you have a debt problem you are using credit cards as a crutch. Any time that something happens that you can’t pay cash for, you whip out a credit card. You aren’t paying them off every month and your debt is growing. It is time to get rid of the crutch and cut your credit cards into tiny little pieces. Then turn them into these DIY credit card keychains so that you are reminded of your debt free goal every time you pull out your keys.

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Heart Credit Card Keychain on Table Next to a Yellow Notebook with Text Overlay: DIY Credit Card Keychain for Debt-Free Living

 

Find out how #DIY credit card keychains can help you with debt-free living! #debtfree Click To Tweet

Cutting up your credit cards is hard. Trust me. We have $40,000 in debt (not counting our house). Of that, $36,000 is student loan debt. I have been out of school for almost 10 years and we are still paying on student loans. That is crazy to me! On top of that, anytime we needed to fix a car or new clothes for the kids, we put it on a credit card. Something had to give and it was time to make a change. Step 1 was ditching those credit cards. Now our safety net has to be cash and that’s terrifying. You have to make the choice, though, that you don’t ever want to be here again. These DIY credit card keychains are the perfect reminder of that emotion and that goal.

 

Heart Credit Card Keychain next to Yellow Notebook

DIY credit card keychains

Materials

  • Keychain Bases (My heart one is actually a bracelet charm from Michaels)
  • Credit Cards
  • Key Rings
  • Jewelry Gel or Epoxy (You can’t get the Aleene’s I used anymore but this will work similarly)

 

Tiny pieces of cut up credit cards

Step 1

The first step is the hardest. Cut up all of your credit cards into tiny little pieces.

 

Heart Pendant with gel inside of it next to a bottle of Jewelry Pendant Gel

Step 2

Then add some jewelry gel to the keychain base.

 

Jewelry Pendant Gel Spread Out in Base of Heart Pendant

Jewelry Pendant Gel Spread Out in Base of Rectangle Keychain Base

Step 3

Next, spread out the gel to cover the bottom inside of your keychain base.

 

Cut up pieces of credit card inside heart pendant

Cut up pieces of credit card inside rectangle keychain base

Step 4

Add the tiny pieces of credit card to the cavity of your keychain base.

 

Credit Card Pieces inside heart pendant covered in final layer of jewelry pendant gel

Credit Card Pieces inside rectangle keychain base covered in final layer of jewelry pendant gel

Step 5

Then cover the credit card pieces in more jewelry gel.

 

Credit Card Pieces inside rectangle keychain base covered in final layer of jewelry pendant gel with bubbles removed

Tip:

  • If bubbles form in your gel, pop them by sticking a needle or push-pin tip directly into them. Wipe off the needle in between each bubble otherwise they won’t pop cleanly and may split into more bubbles instead.

 

Keychains covered in jewelry pendant gel side-by-side

Step 6

Next, set the keychain bases aside to dry according to the package instructions. Mine had to dry for 24 hours.

 

Dried heart keychain with bottom eye snapped off

Step 7 (Optional)

After your base has dried, if you are using a bracelet charm like me, use pliers to snap off the bottom ring.

Step 8 (Optional)

Then file the area down so that there are no sharp edges.

 

Key ring attached to rectangle keychain base

Heart Credit Card Keychain with Key Ring Attached

Step 9

Lastly, attach your key ring and put your keychain on your keys.

 

Heart Credit Card Keychain next to Yellow Notebook

Heart Credit Card Keychain next to Yellow Notebook

Heart Credit Card Keychain on bright yellow background

Close Up of Heart Credit Card Keychain with text at the top: DIY Credit Card Keychain for Debt Free Living

Are you ready to finally get out of debt once and for all? Stop giving your hard earned money to credit card companies. Cut up those credit cards and turn them into a reminder of what you’re fighting for. These DIY credit card keychains are the visual stimulus you need to keep you from falling back on that crutch. Don’t forget, I adhere to the plan laid out in Dave Ramsey’s The Total Money Makeover. If you haven’t checked it out yet, I highly recommend it.

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Heart Credit Card Keychain on Table Next to a Yellow Notebook with Text Overlay: DIY Credit Card Keychain for Debt-Free Living

 

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I’m a nerdy, crafty mom of three adorable little kids. I love writing and creating, but in my non-existent free time I also love karaoke, taking my kids to the zoo, and reading. I got my degree in Science (no idea how that happened) but I took every English class I could get my hands on because, yeah, I’m that girl.