Bitch Better Have My Money
Dear friends,
Last in the series, I want to talk about owing money. I mean we owe someone something, wither it be a dinner, drink movie or favour. I find owing someone money is the most annoying thing ever, because you never really ever have money yourself. Also I find when I do group outings and I when I pay upfront I hate the fact some people take their time in paying me back, and this causes me a lot of stress. While also allowing to do my best Stuwie or Rihanna impression. I think owing friends’ cash can be a touchy subject for some, but for me I try to be prompt with my payments. Even though a few people might say I am a little slow with the payback, what I is, it’s always ready just remind me it slips my mind.
However, one of the people I try not to forget to pay is my credit cards. Yes I said that right not card cards. Now this is something I wish I didn’t so much of, but at the time it was a necessary evil. When I was working a low paid (what’s changed) employee, I had to find ways to help me live. The simple reason being getting about £200 a month was going to get me nowhere. Instead fall back on my credit card to helped me pay for things like food, and those little amounts went so sky high before I even knew it.
That is a problem with us though isn’t it, we use credit cards to help us make purchases we normally couldn’t afford. Sure it would be helpful if we were paying of the full balance every month. I feel lot of people myself include pay the minimum and still spend. I know I need to stop this, and I have tired.
Recently I have stopped using my credit card all together, because the amount I have is ridiculous. If I could afford it I would love to pay more than the minimum to help clear the debt. However, I can’t so I have to let it go down slowly and slowly. I do feel like the credit card company’s want us to spend more, and when they keep expanding your limit so you can charge you even more interest it’s a bitch. With one the companies I’m with, I paid the bill a day late, and they sure as hell put on those late fees, because they wanted their money. Sometimes it would be more effective if they just sent men to ruff me up.
If you have a credit card, do you use it for things you need or want? Cos I can say I did, but the trouble I’m in isn’t too bad I can’t get out of it, but I want out of it as soon as I can. This is why I’ve stopped by things on credit, if I can’t save and wait, or it’s something I want I can’t afford do not buy. I have said about my shopping addiction in past and I know have those cards have leaded me even more astray. Since I am a sensible adult I can see the mistakes I’ve made. If you have made similar mistakes like I have try and stop. Credit cards are fun, but I honestly now think if I would have stuck to my emergencies only, I would be in such a better place. Not worrying about having men coming to my door asking me where’s my money?
Xo FabEs
