Why pay now when I don’t even know if I’ll still be alive next week?
I see this so much from my coworkers. I could never. I’d rather do without or just steal if I really need something. Credit like that is a trap. I learned that from growing up poor. I’m 36 and debt free and I’m not going back. I’m not buying every day things on credit. I can wait a few paychecks if I need to.
90% of everyone else does too. **With credit cards. **
I use my credit cards for points only. I budget exactly how much to spend on the credit cards and pay it off every month. Then I hop around different credit card companies to rack up more points.
Still borrowing money, but they ain’t making a dime off me.
They make money every time you use it. Not a lot, but it’s more than a dime.
