This is not a "please help me plan" post, it's a "don't let this happen to you" post.
I used to be good with money, saving what I could, tracking everything to the nearest dollar, not indulging too much. Then I got a credit card.
Slowly I started to use the card for more than gas. "I'll pay it off fully," I told myself. And I did for over a year. I believed I could transition over to using the card all the time... and things went ok actually.
I stopped being vigilant about money. Amazon packages every other day. Expensive specialty toys for the work shop. And then I just... didn't check my accounts at all. Everything was on auto pay for the most part, and what wasn't could be taken care of in seconds online so I never looked too hard.
Today my wife and I had a conversation about money, so I took a good hard look. Student loans, car, and credit cards all total 21,000 dollars. Not nearly as much as others, but way more than I thought. Not to mention the house payment.
I can pay this off, I can become vigilant now as I did before. But please use this as a cautionary tale: making a habit out of treating yourself can lead you to a bad spot.
Submitted November 13, 2019 at 07:02PM by LtDenali https://ift.tt/2qLIhn3
