On my drive home from work I was thinkin', "What did people do before all of these credit cards?" Then I thought, "Wait. Credit has been around for ages. What's happened is that people have learned to abuse the system and companies have learned to take advantage of those abusers."
It all makes me think of the theme song from Good Times.
I've been keeping my head above water. Making a way where I can. There are no temporary layoffs, or easy-credit rip-offs. Just good old fashioned downsizing. Living without roommates for about a month now doesn't allow for that extra income. I also haven't used my credit card since my trip to Las Vegas in March. Mind you, I only have one left after consolidating all of my credit debt (credit limit of $300).
When I started thinking about all of this, I started thinking about how not having credit cards and relying on cash finds me with more cash each week - still being able to put money into the 52 Week Money Challenge. It has also helped that I have been getting hired to do freelance graphic design projects!
One of the tricks I use is giving myself the, "Do I really need this?" assessment. It's actually helped me control my spending and I only buy what's necessary and don't really go out on the town much.
This is truly a case where less truly is more... more money in my bank account.
Educate. Empower. Economize.
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