| Credit cards are one of todays biggest debt | | | | first master card , I was like wow I'm spending |
| problems. Not because they are getting easier to | | | | up big today. Three hours later I arrived home |
| be approved for or because of higher interest | | | | with everything on my wish list and more. I spent |
| rates, its because people are just not educating | | | | $1200 in three hours and I didn't even know it till I |
| themselves on how to use them. It is so easy to | | | | checked the balance of my card the next day. I |
| go to the shopping mall fill your trolley and at the | | | | was so angry with myself I almost cut my card |
| checkout you open your wallet or purse and | | | | in half right then and there, but some how that |
| swipe that credit card only to feel like you got | | | | card slipped back into my wallet only to be out in |
| through the whole process quick and easy | | | | action again three days later, only this time I had |
| because you didn't have to fiddle with notes and | | | | maxed out my limit of $2000. Five days with my |
| change. Its when you check your mail and receive | | | | new card and I had spent $2000 it would take |
| a statement for your credit card that you start | | | | me a whole months work to make that much |
| feeling the pain. See credit cards don't give the | | | | money back then. |
| same feeling that notes and coins give when | | | | It was time to make a plan ,this is what I did and |
| making a purchase. To most credit cards just | | | | this is how I took control of my credit card. |
| don't seem of any value so it is easier to ignore | | | | I decided not to take my master card |
| prices of items that they are purchasing. | | | | everywhere I went. |
| Take this for an example - You plan to take the | | | | I went to the bank and decreased the limit by |
| family on a holiday camping for the weekend, you | | | | half - $1000. |
| take $200 cash. On the way to your destination | | | | I made plans with my work to pay my card |
| you stop for supplies which adds to $50 - $60 | | | | weekly out of my wage. |
| then you stop at a petrol station to fill your car | | | | When I took my credit card out with me hide it in |
| $30 - $40 you arrive at the camp stay the | | | | the back of my wallet so I wouldn't see it when i |
| weekend and start your trip home. On the way | | | | opened it at the shops. |
| home you once again stop for fuel but this time | | | | I started planning my daily spending limits before I |
| you dine in at the restaurant next door $50 - $60. | | | | left the house and avoided taking loose change |
| Quickly you start to realize your money is almost | | | | with me. |
| spent and feel that it didn't last long. With a credit | | | | After four weeks I had started getting into a |
| card you don't think about the balance or how | | | | good routine and felt I had concord my master |
| quickly everything is adding up ,you also don't | | | | card. To this day I have not maxed out any of |
| think about the fact you have to pay the money | | | | my credit cards since then all because I made a |
| back. | | | | plan and stuck to it. Take control of your credit |
| I remember when I was 20 and I just got my | | | | cards before they control you. |