The King of My Castle

The King of My Castle

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