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Credit Card Woes

I have had my credit card for less than a month..and oh BOY they really do a great job of trying to trap you to spend more than you earn. :(. I think I have spent more money in the last month than I have in this year so far…that’s terrible :(. But I guess, I try to reason with myself, these things are necessary…but are they really?

Did I really need to splurge on the newest iphone model, or could I have gotten a cheaper but older model? Did I really need to get that fancy epilator with 5 different ways to use? Did I really need to get my car serviced at TOYOTA when I could have done it way cheaper anywhere else?!!? As I think of my spending habits and question whether I am wasting money…I think it has made me rethink my choices. I understand why some people can max out their credit cards…it’s just so easy..Just pay wave this, pay wave that. You don’t see the money come out of your account straight away, so you think you can spend a bit more. It’s ADDICTIVE and you tell yourself, it’s okay…I can get points for every dollar I spend! You think about the long run about what you are saving up for. But are you really?!?! IF YOU ARE SPENDING MORE THAN YOU SAVE?

So many questions. But anyways, I have got my first statement from my credit card and I am pleased to say I have paid it off. But, this month’s bill is gonna be huge 😦 eeks.

Be careful guys, staying at home makes it so much easier to buy things online that we might not need!  Just rethink if you will regret the decision later.. >.<

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