Now only a few of you know me in rl.
In my years growing up money has never really been a problem.
Parents aren't wealthy but our family is upper middle class.
And both parents are working now and since i'm not in college are raking in the money.
well sorta but that isn't the point this is about me.
I got my first evil card around 5-6 years ago.
A discovercard where if i spent 150 in the first month i got back 75.
Theese are what kill me. buy X amount get Y back. And i screw up the get Y back part often.
The other problem is I tried to follow the "neither a borrower nor a lender be" at least when dealing with people.
While at times got me labled a jew. (Not in the way of purely derogatory remark)
However this isn't true anymore and parts of it tick me off.
I have one friend who owes me $160 and another who owes me $106.
the 160 from august and the 116 from september.
I have no clue as to when i'm getting any of this money back.
Over the past 6 years i've been using the evil card in bad ways.
we go somewhere for a hotel. i pay with the card get the cash from friends sharing the room but then don't put the cash towards the card. Plus i've had alot of times where i have lost track of the card and gotten charged fees.
So time passes i pick up a visa. then another to get a free deal.
then my bank changes over to a debit card so it leaves me where i am today.
a 12000 discover card
a 12000 visa
a 2000 visa
and a visa debit card and a mastercard debit card
now none of theese are maxed but it still leaves me with about 11000 in debit.
yep that much.
So that brings me today. I start looking at a 2500 laptop and my mom starts talking to me about money.
I skirt around the topic and eventually tell her how much i have in debit and she proposes a deal.
She pays off my credit card debt. Which is a good thing cause it means no more late fees
I don't get a laptop. Bad thing.
She only charges 4% intrest( her bank account intrest so she doesn't lose money) A good thing compared to the card rates.
But its another dependancy on the parents and makes me more prone to lecturing. A bad thing.
But it means i should be able to pay my debits quicker and start saving for the inevitable expenses.
(i.e. new car, laptop, trips, and my eventual moving)
sigh so souchiro the laptop will have to wait. Maybe i'll pass time by getting my linux box working again. heh i could call him yotsuya since he's linux and no one really knows what linux does. (joke of course)