Originally Posted by kutulu

I'm not sure what money talks my parents had with me but I probably wasn't paying attention. Regardless of how much I've made, I've always lived from paycheck to paycheck. I just can't seem to save money. If it's in my account, I spend it. This goes for bonuses, tax returns, whatever.

My credit cards are maxed but I don't really care. Sure it sucks that I'm wasting money on interest but the alternative is paying the balances down more quickly and that sucks because it would eat into my available funds.

Historically, I've always had enough money to pay all my bills. In practice I've had random late payments due to forgetting to mail the payments. The result is a credit score that isn't great but I really don't care. I might be deciding to walk away from my house soon so late payments aren't going to make much of a difference on my credit score.

There are so many more important things to worry about than money.

I have plans for how much I need to pay towards my credit cards in order to get them to zero within the next couple of years and I could do it relatively pain free but I just can't get around to executing those plans and then not using that available credit once I get it on the card. Eventually I need to do it because it does frustrate me that I'm basically wasting all my money that goes towards interest.

I don't see the point of paying cash for a house though. Mortgages are usually given at a low interest rate, low enough that it isn't really worth delaying buying a house because you want to pay cash. It isn't like a car where you can delay the expense by driving a POS until you can afford a new one, you need a play to live and the difference in cost from a mortgage to rent isn't that much.