I have a difficult time with number recognition. It makes having a calendar an exercise in frustration. Imagine reading the number 17 as 4 for absolutely no reason. Repeatedly, until the stimulus is corrected or unless you see it under a different set of stimuli. For this reason I'm considering opening up a credit card to put my bills on. Not every bill pulls from my account when I prepay, and having my bills split more evenly between paychecks feels like it's a better plan for my general mental health. I come from a low SES background and I'm currently paying off a "barrel" credit card- the kind you sign up for because you're bent over a barrel. Or in this case because you need the down payment for a car. I'm not using it for any purchases, but my difficulty with numbers makes paying it down feel impossible. I live close to my total income- I've not even managed to open up a savings or retirement account and I turned thirty a month or two ago. I have my expenses pared down and I'm building habits from a history of not being able to plan or put back for the future, due both to income and mental health. These factors make any credit card an uncomfortable idea for me.
My goal for the Credit card is to have an autopay buffer. My autopayments come out of the Credit Card, and I pay on the balance twice a month after getting my paycheck. My credit score is far better than it was when I got the barrel card. I understand that any credit card applications will be a hard check and affect my credit score. Is there anything that I'm missing in this plan, and is it a good way to adjust for my number recognition/payment challenges?
Submitted October 20, 2019 at 07:50PM by Thorpants https://ift.tt/2P3LxnS
