Credit card companies are insane. For a really long time I couldn’t get credit, because I fucked up back when I was in uni and I almost had to declare bankruptcy to get out of the mess I had created for myself. Fortunately I didn’t have to go bankrupt, but my credit rating for still shit for a few years.
Not having credit cards was actually kind of great, I learned how to budget my money and I never had any debts. But then came the day when I credit rating wasn’t so bad and I decided to get a card to get my rating back up in case I ever wanted to ask for a car or house loan.
I went from having zero credit cards to two credit cards with a combined limit that just keeps increasing. At first, I told myself I would use it and immediately pay off the balance just so I could accumulate points and get free stuff. That’s how I rolled for a few months, but I slowly started buying more stuff that I could pay back right away and now I’m paying interest on a few thousand dollars.
I’m not in financial shit yet, but I’m at that point where I’ve told myself that I can no longer use my card until I start paying off some of the capital.
The worse is that I didn’t even splurge on something fun and/or substantial. I just bought random junk here and there. With all the money I spent I could have could have brought a picture of Sydney Graham’s boobs to a plastic surgeon and told him to go nuts. Now, there’s a purchase that would have given me some bang for my buck.
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