If the item you want to purchase isn’t in your budget, then the credit card payment for it isn’t going to fit into your budget either. The total cost is only going to cost you more in the end.
Using credit cards seems so easy, because it can feel like you’re really getting a great deal. It’s almost like you’re not spending your own money, right? ‘Wow, I got those new shoes and didn’t spend one cent from my checking account!’ That’s great. But very wrong. That’s exactly what credit card companies want you to think. Then you can go and spend all those money you pretend not to be your own, but when you find out that it’s actually yours it’s not so pretty cool anymore. While credit cards are a useful and necessary tool sometimes, we all know the financial troubles they can lead people into.
Don’t ever question the fact that credit card companies are in business to make. They’re certainly not offering you free money — that’s about the last thing anyone is going to do. Just because you have a credit card with a $2,000, that does NOT mean you have $2,000 to spend. It means you have the ability to borrow $2,000. It means you have the opportunity to obligate yourself to have to pay back $2,000 at a very high interest rate. How good does that sound?
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