Save Money With a Sandpaper Insert in Your Wallet

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Do you find that you're spending money without thinking when paying with your card? If you're looking for a way to help change your spending habits this simple and easy to make project might help.

Cool your spending down and put some thought into your transactions with this simple sand paper insert, that helps create a little pause for thought.

Use a card too frequently without thinking and you potentially damage the card, meaning you have to go through the hassle of obtaining a new one.

Why not try it for a few weeks and see how much you save? If you do, we'd love to hear how you get on.

Here's how to make it...

Step 1: Materials and Tools That You Will Need.

-   A credit / debit card (to trace around)
-  Some card to provide support for the sandpaper
-  Scissors
-  Glue
-  A pen/pencil
-  A wallet
-  Sandpaper ( the lower the grit the quicker it will stop your spending)

Step 2: Making the Cardboard Backing

For this you will need a piece of card anything that you have lying around will do.

1. use your debit/credit card as a template to draw around on the card.

2. cut around the drawn line and that will leave you with the cardboard template.

Step 3: Attach the Sandpaper

Now you need too:

1. take your cardboard template and draw around it on the back of the sandpaper.

2.  cut the sandpaper out

3.  glue it to the cardboard

You might want to tidy up the edges with your scissors.

Step 4: Step 4: Inserting Into the Wallet

Now all you need to do is put it in the pocket that you store your card and enjoy the benefits of saving money.

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    113 Discussions

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    KrestenK

    1 year ago

    maybe we should take the screens off our phone until we need to make an important call. Maybe even our mouths shut till we are about die then eat .

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    Bosun Rick

    5 years ago on Introduction

    Glue the sandpaper to the back of the card! when you swipe it through the slot, it sands down the reader, Maybe it give you a discount, Now that's being constructive!

    3 replies
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    BevityBosun Rick

    Reply 5 years ago on Introduction

    Oh I laughed and sprayed the soup I was eating for lunch. Thanks for that. This sandpaper invention for destroying our credit cards has me thinking. We could cut back on EVERYTHING! Do we really need to toast that bread? Why not just save the toaster for special occasions? Store it with the Christmas ornaments OR, we can remove the plug and reattach it when we get an unquenchable toast attack. Another idea: We can put a padlock on the hot water tap and when cold water just doesn't cut it, we could grudgingly unlock it. A lot of us make unnecessary trips with the car. To remedy this, we could remove the steering wheel and put it back on when we really need to drive somewhere. If that isn't enough hindrance, we could also remove both windshield wipers and put them back on... what a drudge. Just make it really inconvenient to do everything and I bet we would stop doing those things. Think of the money we would save.......... ahem.... (No items were harmed in this message)

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    moneyhacker

    5 years ago on Introduction

    Thank you for all of your comments so far. Seems we have stirred up a bit of a hornets nest!

    We really do appreciate all of your feedback, both positive and negative. We're just as keen to hear from people who don't like the idea (and it's just an idea) as those who do. We're especially grateful for constructive criticism and suggestions that build upon, or address the flaws, in our idea.

    Our aim is not to waste people's time, so we apologise if you feel this has been the case. That said, this is the internet and there are no guarantees that everything you read will be of use or to your taste. However, we do hope that we have not put you off future exploration and reading.

    Please keep the feedback coming, and try not to let it bother you too much if other people's grammar is not quite as you would expect. Take a deep breath and try to find it in your heart to offer guidance rather than derision. We are all, each and every one of us, learning.

    Peace and love to you all.

    3 replies
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    grt57moneyhacker

    Reply 5 years ago on Introduction

    I like the way you think... both your idea for slowing down spending, and your comments here. Money is just an illusion anyways.

    Peace

    Gill

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    Bevitymoneyhacker

    Reply 5 years ago on Introduction

    I liked this post. I would never destroy my card, but it was a good post that gets us thinking about saving. And it's always good to laugh.

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    This would be a real pain in the asteroid when you come yo pay for your petrol. Especially when the service station is really busy.
    Another way to ruin your cards is to store them in your wallet with the magnetic strip of one in direct contact with the magnetic strip of another. In a short period of time both cards become demagnetised.

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    stephenfitton

    5 years ago on Step 4

    I MAKE MONEY WITH MY CREDIT CARDS! not much but still money-TRUE.
    After finding a few lower swap -over banks at a lower interest rate and paying down to zero .They have allowed me to bring accross 90% of my debt from another bank. Interest here is 20% I reduce to 1% for 12 months. This has allowed me to get a cash out at 21% Flip it accross to a 1% .Allowing me to invest in savings account at 5%, for 11 months. (Note timing is absolutely critical as charge jumps to 21% after this period.
    Costs for cash advance .Cost of account. Trying to find a higher interest (secured at a higher rate for shorter than a year is the crux for success.Not for the faint hearted!
    Handled correctly you can turn this into a personal loan at a lower rate for short periods.

    1 reply
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    Picturerazzi

    5 years ago on Introduction

    I have two debit cards: one with exactly enough money to cover my monthly bills, gas, food & the other I don't use. If I need to transfer money it takes upwards of two business days so I have time to "think on it" about an unnecessary purchase.

    It really works! Plus, no card is ruined and I have my main account for emergencies.

    1 reply
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    bigtwentyPicturerazzi

    Reply 5 years ago on Introduction

    Some banks charge for debit use and some dont. If they do, then you are wasting money. Also, what happens if your monthly bills goes up for some reason on one month? You must put it on the next card. I would get too confused on which card is for what.

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    steveofthenw

    5 years ago on Introduction

    OK, right out in front of all this is what can now be considered an axiom: You cannot function in this society without money. It is literally the only tool we are allowed to use. Use to be, you could walk into the woods with a couple of tools (axe, rope, etc...), maybe a horse, a firearm, & a rasher of bacon & make your way pretty nicely in due time. Now, you literally can't drink clean water without paying for it.
    Having said all that, what I have is one credit card with a low limit that I use when needed & pay off fully every month, & one with a really high limit that I never use; it's my "ejector seat". If I get in a bind, need a plane ticket RIGHT NOW, whatever, I got it.
    Works pretty good so far.

    1 reply
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    bigtwentysteveofthenw

    Reply 5 years ago on Introduction

    NEVER using a credit card is not good for your credit. Its silly I know, as credit scores are a scam. Also, not having enough credit, open lines of credit or old enough credit can also hurt. I think this tutorial is best used for those of us who cant handle spending, and I think its on the surface not that useful but if you really were to wear out your cards, you would have no choice and it might train you to think before saying "i really need that useless item".

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    stephenf

    5 years ago on Introduction

    Interesting technique(s) - I just do not follow the logic.

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    shmoopie1812

    5 years ago

    This is a joke right?!?!?

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    hertzgamma

    5 years ago on Introduction

    Just use cash. First you see it (or not :[ ), second you count your spendings very easily.