catsmeow1972, BSN, RN 1,306 Posts Specializes in OR. Has 15 years experience. Nov 6, 2016 I too do the "credit card on ice" thing. I've done such for a long time because i used to (pre nursing or any real jobs skill for that matter) live paycheck to paycheck, right down to the wire (like calling the power company to beg for an extension or pawning my TV to pay the rent) Hey, i was like 19-22 years old and a college flunk out. As i have zero desire to return to that lifestyle, I make darn sure I ALWAYS have a means of paying for those unexpected bills or whatever.