I've paid back my loans, after years of uncontrolled fiscal self control. I'm more wiser on loans, student loans, and mortgages. People say credit cards are the devil. But they're not. If you use them wisely then they can be useful, example if you have lots of kids and a few pets, and don't have the money on hand to buy the necessary supplies to keep them alive for a few more weeks, untill you get a pay check.
as for me. I'm hardly using credit cards again. I've got Visa writing me all sorts of "oh please come back" letters. pbbbbbbth to them. lol.. But remember Interact is just as deadly, if you think of it as your non stop source of cash.
Now look at most of Suburbia! up to their eye balls in debt! like, my personal rule, if I don't have the money I don't buy. being an Omega male, (ie loser star trek fat..... comic book guy from Simpsons), one can save a tonne of money, and use that money for important things, like -
investments (so that they eventually reach the top, OR stock up survivalist supplies should the Alpha males start a war of Bio-and Nuclear apocolypse, also allowing me to use Alpha males skulls as drinking mugs in the end).
-Vacations (while they are busy waddling their many children, from their sexual conquests these Alphamales, are just another yuppie at Disneyland, having MORE stress), while I spend my much saved Omega-man money relaxing on a beach (like Patrick does. from Office Space) eventually the many children of Alphamen, would stab them in their backs. lol.
=And non debt related consumer products that doestn't take credit cards.
Credit cards are useful for paying for school courses though, if you want to work hard, and taking upgrading to get a better job. I suggest massage threapy, (that way you can get a job on a cruise ship (again you're an omega male, servant, but you get killer tips, while those Alpha Males who gave you a tip, had to work stressfully hard), also with massage therapy you're making the world a better place by taking someone's else pain away. and making good money.
But for stuff like playstations and what not. Think about this..... it's 500 dollars for a system, at like 15% you re paying (15 percent more!). for a dude who just smiles at you like a moron? hell YOU should open a electronic store then. lol.
Like Donald Trump is up to his toupee in debt. When the creditors start calling in, all we'll see is a big fat road pizza underneath Trump Towers! He's been in debt for decades. He doesn't use the money he makes, to make more money to sustain his high living.
With the Saudi princes, (they take business courses, ie Bin Ladin's family), and diversifies and now they're almost invincible. and controls the debt to revenue ratio. I've learnt to do that. by using the credit card for important purchases. like college books yes.
So credit for college books = good.
credit card for college beer= bad!
Let the rich alpha babies have their floozies now, in the end you'll win. because you don't have a debt on boat, car, house, RV and other rediculious things. and when you're 50, you'll still have your hair, and less stress lines!
While the couple that wanted to spend on things right away..... end up robbing you with ninja masks and voice changers, and dancing around making robot sounds (Dick and Jane).
