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#1
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Ryan, KC8PMX wrote:
Don't forget succumbing to the credit card problem. It's soooo easy to live life large when you have 10 credit cards with a 20 thousand liimit on each card. One card with a 500 dollar limit here.... used for emergencies and the occaisional on-line purchase. I confess I have several, but one is a card which gives a discount on gasoline - but ya have to pay it off!!! - and some others, but they get paid off pronto. I'll bet that P****s the companies off! One of those nifty little life secrets I've found out is that if you are willing to avoid spending credit money like a drunken sailor while you are young, you will have much more money for your toys when you get older. Bingo.... keep money going into savings and then take the funds out when you need to purchase, but that is an idealism that most cannot grasp. A pity, that. -- Ryan KC8PMX "Health is merely the slowest possible rate at which one can die." hehe, good one, Ryan! - Mike KB3EIA - |
#2
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"Mike Coslo" wrote in message ... Ryan, KC8PMX wrote: Don't forget succumbing to the credit card problem. It's soooo easy to live life large when you have 10 credit cards with a 20 thousand liimit on each card. One card with a 500 dollar limit here.... used for emergencies and the occaisional on-line purchase. I confess I have several, but one is a card which gives a discount on gasoline - but ya have to pay it off!!! - and some others, but they get paid off pronto. I'll bet that P****s the companies off! I just feel that the credit cards "trap" a person..... not only with dealing with paying the damned things off but as a way of thinking when purchasing. "Gee, I don't have enough money in my wallet, but wait! I have my credit cards!!" Thats why I have the one card... with a lower limit. One of those nifty little life secrets I've found out is that if you are willing to avoid spending credit money like a drunken sailor while you are young, you will have much more money for your toys when you get older. Bingo.... keep money going into savings and then take the funds out when you need to purchase, but that is an idealism that most cannot grasp. A pity, that. True, that.! -- Ryan KC8PMX "Health is merely the slowest possible rate at which one can die." hehe, good one, Ryan! Yeah, I like a good tagline and always looking for more! My favorite one is below. -- Ryan KC8PMX "Some people are like Slinkies . . . not really good for anything, but you still can't help but smile when you see one tumble down the stairs." |
#3
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In article , "Ryan, KC8PMX"
writes: I just feel that the credit cards "trap" a person..... not only with dealing with paying the damned things off but as a way of thinking when purchasing. A problem with any new technology (credit cards are simply a financial technology) is that new forms of thinking and acting have to be developed by those who use the technology. In a cash-only environment, I cannot spend money I don't have yet. With checks, I can sometimes play games with 'getting to the bank before they do', but that's pretty limited. With true credit cards, a new level of thinking and discipline are needed to avoid digging oneself into a hole. I think of credit cards as "instant debt" cards, which helps me avoid using them! Instead, I use debit cards. The "human nature/psychology" factor is a real thing, though. It's a different thing to count out several hundred dollars in cash and hand it over, compared to simply flashing the plastic. 73 de Jim, N2EY |
#4
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Ryan, KC8PMX wrote:
.. I just feel that the credit cards "trap" a person..... not only with dealing with paying the damned things off but as a way of thinking when purchasing. "Gee, I don't have enough money in my wallet, but wait! I have my credit cards!!" Thats why I have the one card... with a lower limit. Only if you allow it to "trap" you. Charge only what you can pay off at the end of the billing cycle. It is really stupid to pay the interst on a credit card. I see my credit card as a handy way not to have to pay cash or write checks and have a good record of my purchases, but *never* go into debt with it, always pay the full balance. If you can't pay the full balance you are buying more than you need. |
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