Anything I purchase in person I pay cash only and any internet purchases are done on a visa debit card. I have never had a credit card.
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Anything I purchase in person I pay cash only and any internet purchases are done on a visa debit card. I have never had a credit card.
I recall as a young kid, 19 years old maybe, I got my first credit card...Maxed it out like a total dick head and then spent a couple years paying it off. Lesson learned. By the time I was 22 we were saving for our wedding which we payed for totally ourselves, and since then we've been pretty good with money. The debit card thing is the way to go as one uses savings...Harder to max it out although it can still be done - Savings will only go so far. No interest though.
Glad you learnt early on off the credit card pitfalls.
Sometimes I think back and can't believe I ran the card up...It was only $3,000 but that was a lot of money back then. I didn't have a lot of stuff growing up I guess and sort of went a bit crazy with it. Fortunately I learned my lesson. Valuable lesson!