I’ve gotten a good handle on my personal debt. For years after I climbed out of my debt hole, I didn’t use a credit card at all. I really didn’t want one, again. I no longer liked them.
When I became an independent contractor, however, I saw how a credit card might make my life easier. Could I operate without one? Yes. It’s inconvenient, but it can be done. However, I’m more disciplined now. I use a credit card for my expenses and pay the bill in full at the end of every month.
There’s a level of satisfaction with having mastery over my credit card when previously I didn’t. I usually abstain from silly purchases, those caused by emotion when my higher self is not in control. I pass on those purchases that put me into a worse financial position due to forgetting the concept of “need versus want” and letting myself become overwhelmed by some desire.
This is not one of those stories...Read More