8
Oct
2009
My Penny-pinching Attitude
Now that holidays are coming and my birthday is about to come as well, I have every reason to keep my belt tighter. I want to splurge on so many things but fortunately I was able to discipline myself which is always the case. I do spent sometimes and give myself a reward for all my hard work and during my birthday but my “kakuriputan” penny-pinching attitude always show most of the times and it works for me actually.
Would you believe it is only this year when I got my credit card, which I didn’t even applied for? Actually my bank sent me one but my cc was still stuck in envelop in my drawer and I would not even dare to use it. Why use it when I have cash anyway? Why would I use it knowing that it will incur interest? I’m just trying to be practical and I don’t want unnecessary spending and debt. I am afraid of that!!
It’s just my 2 cents but for those that can’t avoid having debts or loans, they must only make sure that they are responsible enough to pay what is due . Collection Agency representatives might be calling to you if you happen to neglect your duties and I know you don’t want to end up being run after by them.
Hay naku ats. Pareho tayo. I did not apply for a CC but my bank sent me one. I was supposed to return it pero activated na daw and I free daw for a year. Ayun, nakatago sa drawer, nakadikit pa sa paper. Haha!
Ate Jen turuan mo nga ako ng penny pinching attitude na yan please. LOL
hay, seems like we’re all in the same boat here. i don’t have a family of my own yet, but times are hard so it’s harder to be irresponsible when it comes to spending. kya nga i had some of my CCs deactivated. i just kept those with low monthly interest and those with reward programs. hirap mabaon sa utang just because of plastic money. sobrang kukulit at heartless pa nman yun ibang collectors. LOL!
yeah same pala tayo Zanne .. nakadikit pa rin sa paper at nasa drawer ang CC..lol
madali lang yan.. pikit mo mata mo pag shop ka or if online close the browser immediately..lol but so tempting mag shop lalo’t may mga kids kayo .
hi Bambie, yeah you are correct we don’t have to over sa pag shop kasi these days we need to be practical. Ako kuripot talaga ako most of the times..lol Oh yeah un ibang kolektor nananakot talaga.. btw, thanks for droppin’ by and commenting.