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”……
