Goodbye Credit cards…..
May 14, 2008Yesterday I got the chance to chat with my sister and shared with her my problem with regards to my credit card bills. Yes, I got huge amount of credit bills to pay. My credit card bills quite stress me. I can’t save from my hard-earned money since I need to prioritize all my bills. I actually got a number of installments to pay every month, I still cannot pay it from my salary alone every 15th and 30th day respectively. I am always worrying where will I be getting the funds in the near future to pay all my bills. I thought before I would be able to manage my finances whenever I am able to use my credit cards to purchase my needs, wants and desire. It appeared that I am an impulsive buyer. To sum up all my purchases, it shows that I focused buying unnecessary stuffs. I spent so much for things which are just my wants and desires, not my need at all. They are all my caprices. My whims . My impulses. That only I benefited with those products. I seemed to pay too much attention buying things not-so worthwhile at all. I pity myself. I am so superficial on how to see and buy things. I spent beyond my means and now I am struggling on how I will be able to survive this. I know there’s no one to blame of but only myself. So I shared this to my sister and she advised to me to tear off all my credit cards and start all over again. That I need to pay all my obligations first and never use my credit cards again. Certainly I was struck that time that even I was still here at the office, I can’t help but I felt like going home already and start tearing off all my credit cards so I would no longer be tempted to use them. So when I got home, the first thing that I did was to tear off all my credit cards. Actually, the word is not “tear off” but I scraped off all the swiping portions of my credit cards. Still I would not be able to use it anymore… lol.. Congratulate me! I was able to do it. Though I can’t use them anymore, I still cannot request them for closure at once since I need to pay first all my installments. But hey, I don’t want to tell a lie here so I have to share this too. You may be laughing at me now but I did retain one credit card for myself. I don’t know, I have this feeling that I will be using it for an emergency case. I believe so. That I might encounter problem financially and my last resort would be to use that card. So far, I’ll let it that way. I just hope that I would stick on my principle not to use credit card anymore. That it’s better to spend in cash than using a credit card which will eventually aggravate my financial status. By now, I would have to say “GOODBYE CREDIT CARDS”……
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Did you know that all… Yeah…absolutely ALL of it…. capital A-L-L my cardit cards have been cut off already. .If my memory serves me right, last Septemebr 2, I had 9 credit cards cutting ceremony with my angel , in her room. I am too thankful to my “angel”. She’s really an angel, folks. She made me realized how I was too greedy, you know. She learned alll my total debts and she’s pretty kind enough(no words actually can describe her kindness) to lend a hand to me. She said to me that wordly things are not the basis or measurement of one’s worth in this world. It is how you make your purpose in this world to the fullest. I was really ashamed of myself then. I realized my mistakes and now trying to cope with it. I nearly pay all my debts. Thank God. I learned my lessons indeed. I give all the credit to my “Angel”. My Angel, don’t worry, I would not go off. I know my responsibility and I wouldn’t break the trust that you have with me.
Posted by ubermensch at October 17, 2008, 8:33 pm