|
I've gotten along quite well for my first quarter-century of life without a credit card or any type of personal loan. When Magpie and I started co-habitating we decided to get a credit card, primarily for online shopping. We have one between the two of us, in her name.
She also has a Sears card, but it's for the same purpose. Apparently, in order to shop from Sears by mail order, you have to have one of their cards, and she likes some of their clothes. I don't anticipate using that one.
We don't carry a balance on either card.
My game? Living intentionally paycheque to paycheque. I make more than I spend, but when payday rolls around I move any excess to my savings account. What I got on my paycheque is what I have until the next one.
It works well for me. Moving funds to my savings account makes them less visible, which removes temptation.
I also find it helps to have goals. I'm currently saving for some new gear for recording, as well as for a new truck.
__________________
I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
|