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.