May 11, 2007
Credit card debt: Who’s fault is it?
Answer is typically looking back in the mirror. I keep track record of my statements and I looked back, way back to some in 2003. Why in the world I bought some of this crap with a credit card is beyond me, but I’m paying for it today. Some of the things on the statement can be half justified, like books or supplies for school. I had a part time job in college making $8 an hour, but living like I was making $18 an hour. Moving forward though and getting this mess cleaned up will help though. Live always throws different things at us though.
Now I get to the interesting part. My wife and I are approaching our one year anniversary and it sort of falls into my hands on figuring out what we should do and how to finance it. She likes ’shiny things’ and we have talked about for a few months about an anniversary band. I can probably pay for about half of this but the other half would have to go on a credit card otherwise I can’t buy it. When she’s not happy, I’m not happy, yet at the same time I’m not happy about debt. My birthday is coming up here at the end of the month, she asks me what I want for my birthday, I tell her I don’t want anything, she laughs. I’d rather be debt free than pretend to own things.
Now so far this year I have made some great personal accomplishments paying for stuff. I own my stove, the furniture package for my living room, and this month her earrings. It is getting to the point where I simply don’t want anything unless I can pay for it. Back in March I got stuck in Best Buy playing Guitar Hero 2 for Xbox 360 and thought it was great. Waited until April to decide to actually buy it because I figured out that I had enough money in gift cards (I hate gift cards!) and finally a reason to use them. I love this thing too.
Maybe I am being selfish trying to budget our first anniversary. I always seem to make sure everything stays on track in the end though. It just halts paying off debt as quickly as I would like. Gears are always spinning here, trying to figure out what to do.
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