I came across the coolest store the other day. It was a consignment shop, but it only dealt in trendy clothes from nice stores that were less than a year old. It was a sea of purses, handbags, & designer jeans. I’m usually pretty good with money, & fairly responsible. However, I saw shoes, & a purse that went with the shoes, & then of course I needed new jewelry to go with the new purse & shoes, & then a new outfit to go with all of my accessories. Then I saw another handbag that I wanted & everything was less than what I would pay at the mall, everything was such a great deal & it started all over again.
I didn’t have the money to buy everything I wanted, but there were these credit cards that were burning a hole in my pocket. I don’t have bad credit, the problem is I just don’t have a lot of credit because I’m still young, it’s really something that I need to start building. However, I need to be buying things on my credit card that I would’ve bought if I had the cash in hand, not use it as free money, but as a way to build my credit for the future. In order to do this, I think the right thing for me is to only buy things that I can pay back.
In that store was the first time that I understood how people get in trouble with credit cards. There is just an irresistible temptation to have everything now, & not realize how little things add up. I never would have dared to put $500 on a credit card, but I didn’t think of it as $500. I thought of it as a pair of shoes here, & a new purse there. Luckily, I realized that it is not free money & that I could satisfy myself by just buying my favorite thing, it’s ok to leave something left in the store.
Sunday, April 8th, 2007, 8:30 pm | 
Just Jewelry | 
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