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.

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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.

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.

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)

Step 1

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

Step 2

Then add some jewelry gel to the keychain base.

Step 3

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

Step 4

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

Step 5

Then cover the credit card pieces in more jewelry gel.

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.

Step 6

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

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.

Step 9

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

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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