Nooooo, I'm not the Devil. Go away.

[lithera]

So, I went across the street to the bank and used my lovely stock money to set up a Savings Account. (Insert special shiney noises here.) In the middle of this the representative turns to me and says, "You've been pre-approved for a Credit Card with us at a $25,000 credit limit. Do you want it?"

*blink blink*

I look at the terms and huh softly. They're infinately better than what I have now, on the credit card I got in college. So, I say yes. Who knows. I'd love to get the money off of the card I have now onto some thing more sane. We'll see what happens with that. I'd been thinking of doing that anyway.

And now I enjoy my lovely sushi. Yum, yum, yum.

Comments

[fireballof3.livejournal.com]

You might want to ask to have the credit limit lowered.

Lowere limit = enforced sanity.

[quipper.livejournal.com]

Once you start down the dark path, forever will it dominate your destiny.

my new philosophy in life

[thezzyzx.livejournal.com]

If you don't have kids, the goal of the game is to die with as much debt as possible. Hey, you got to have fun and there are no consequences ;)


...so says the person who freaks out about owing $1500 on his ccard.

[lithera.livejournal.com]

There is no way in hell I'm using a credit card for anything unless I actually need it and have absolutely no other way to pay for it.

I haven't touched my current credit card in months.

[lithera.livejournal.com]

Heh. If I get it, I will lock it in a box... or something like that.

Re: my new philosophy in life

[lithera.livejournal.com]

Heh. Yeah. I'm doing my best to pay that down as much as I can. I have having it looming there.

[fireballof3.livejournal.com]

Well then you're probabally OK. We're slowly getting rid of ours one by one.

[lithera.livejournal.com]

I hadn't even realized that I needed a new one until it arrived in the mail. Most of the debt I accrued on my credit cards was college based anyway. Paying for books and whatever other things I needed but couldn't seem to get the money for.

Once I transfer the balance from one to the other, I'll close the first account.

[fireballof3.livejournal.com]

*nods* good plan.

Of course, on the flip side, when you go to buy a house, the more credit you have avail the better it looks.

[lithera.livejournal.com]

*looks off into the distance*

Huh. *pulls you over next to me*

You see that? No. Not that, the other thing. On the edge of the horizon? That, my friend, is me buying a house. It's right next to having kids. Possibly but not too likley as things currently stand.

[fireballof3.livejournal.com]

My eyes are getting bad from aall this computer staring. Hold on.

*pulls out binoculars*

Oh, that. Yeah, I see that. Hmmmm...

Well, yaknow, it's possible for you (or you & some other folks) to buy a house. It's just not really what you're looking for right now, huh?

*shrugs and puts away binoculars*

Probabally better to get rid of it now anyway. Keeps you from forgetting about it.

[lithera.livejournal.com]

It is possible and we have thought about it but the financial position is not entirely tenable or desirable at this point in time.

Yeah.

[wandelrust.livejournal.com]

I had no idea why people had such a hard time staying out of debt and spending wisely. I have a high credit limit, but I only use my card for about as much as I can afford to pay off that month, and I've never carried a month to month balance in my life.

Then someone explained it was like overeating, where you knew it was a bad idea and you shouldn't do it, but you just can't help yourself, and then I understood.

Re: my new philosophy in life

[thezzyzx.livejournal.com]

Intellectually I accept that debt really isn't that big of a deal and life is meant to be enjoyed and stuff, but I can't get past the big fear emotionally.

Re: my new philosophy in life

[lithera.livejournal.com]

We're pretty much in the same place there.

Re:

[warpdragon.livejournal.com]

Yeah, that's me. When I have a bad day, I turn into a compulsive shopper.

Actually, I'm a compulsive shopper anyway, but a bad day just makes it worse.

Re:

[grocible.livejournal.com]

But too much available credit is a bad thing.

One credit card equal to 25% your annual salary is a good rule of thumb. (And when I say credit card, I really mean unsecured debt.)

Re:

[jameel.livejournal.com]

Because college students are sometimes colossaly stupid. *kicks self some more*