I learned at a very young age to beware of credit cards and/or loans. I learned how not to use a credit card on anything that will not increase in value in the future. Although, this logic wasn’t one I acquired quickly. When I was younger when my father lost his job they ended up falling into crazy debt. They were living off of their credit cards. They use to overdraft their account all the time. This was the normal way of life apparently.
When my dad use to tell me about how he wanted to get out of debt and how they owed so much money I knew this wasn’t the life for me. I use to look at the bills and see the amount of interest they owed. It was a perpetual cycle. If you paid the minimum balance you’d never pay it off. It’s like someone saying, “I’ll loan you $150, you pay me back $300.” What is this mentality? I figured, am I the only one who understands how absolutely silly credit cards are?
I knew then, that I would not ever get a credit card. I don’t care how I pay for something; I wouldn’t use a credit card. If I did not have the cash to pay for it, then I could go without it. To date, I’ve never had a credit card. I have obtained everything I have ever received without using credit. I don’t ever plan to use it in the future.
I saw all my peers around me buying cars on credit, buying video games; having quite a bit of things they wanted on credit. However, that wasn’t the path for me. The path for me was clear cut. That was to show people that one could make it without relying on credit. I know people tell me that I need credit in the future. I will attempt my best to make it through. The average debt of an American is $10,000, none which I want apart of.
I paid for my first car with money that I earned out of my pocket. I did not use any student loan money; I did not use any loans. I used money that I saved up on my own to accomplish this. It's been a testament to make it this far without having to use loans or any type of money I have to pay back.
I suppose one big thing that I just have to get over; unfortunately that I did not calculate in all of this is me finding a woman who is not in debt. I think that’s a very difficult task to do. I know I would pass over so many amazing women if I had a mentality like that. It is a little unfortunately my sacrifices do however seem all for naught if I end up with a woman who owes credits cards and/or student loans (something I’ll touch on another day) and I have to end up helping her pay her debt off.
I haven’t really found many people with the mentality that I have. I’ve yet to find anyone my age who doesn’t owe anyone. I just feel that my way of thinking is that of an extremist type view. I can’t help but feel compassionate about the way that I do feel. And I hold on to it, and I won’t let go until it bleeds. What is bad is, even if it costs me the girl of my dreams, even if it means that I must take the embarrassment of being an adult still living at home in my late twenties to avoid this fate. I stand firmly behind what I believe.
-Magnicious
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