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I don't know what it is, but i've always been paranoid with money. I only spend less than what i know i'll make, i always keep a fairly hefty cushion of money in case something bad happens, and i try not to spend too much, considering how much i go out...
With that said, I am still extremely worried about having to add more bills into my budget...like..i keep my monthly expenses to a minimum, rent, power/water/trash/whatever the city calls it, cable internet, insurance every 6 months, car taxes every year, food...so to add a fairly hefty (yes, $50+ a month for a phone is hefty to me) cell phone bill every month drives me insane..then add entertainment, cable tv, etc and it really starts to add up to too much money that is constantly going out, which makes it harder and harder to save...
so i dunno..there are always two approaches, make more money or spend less money..rightnow, it's the spend less money for me, which has worked well in the past, but with moving, travelling, etc, it gets a bit...difficult..
at any rate, credit cards are like religions..they aren't inherently bad..it's just what people do with them that is bad...
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Live.
Chris
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