Have you ever seen the movie
“shopaholic” based on Sophie Kinsella's novel? Well the movie
began with a image of a little lady with her mum that are going to
buy a pair of shoes (that litle woman hates and hoped to have a
aparkly pair as the other little ladies) then walking in front other
shops she see a lot of adut woman pay without cash but with a little
card...and when the little girl grew up she has 12 credit card …
and a lot of debts...
Well first question credit card is a
good or bad thing? Honestly depends from your spending habits, but if
you don't put a ttention on expenses you can overspend in a
second...discovering that you spent too much when the card is refused
and when you reeive your balance account with list od detailed
expenses you had.
This is why everyone would must to
choose the right credit card, a friend of mine choose to use a debit
card and not a credit card so she andher husband don't have to pay
monthly interests because if you have a budget to respect is easy to
overspend also for things that you'll never use.
When we read magazine or in tv there
are programs that talk about celebrity lifes, usually in th epicture
most of them don't have a wallent in their hands-usually celebrities
have a starbucks drink-
so is almost sure that they aays
everything with credit card, but they earn a lot of money more than
average people, for example in last number Cosmoplitan UK version
there was last Credit card expenses by Vanessa hudgens: a clutch
bag(Yves Saint LAurent” £ 1025,book £6,20 ,music £10,99,
Treats (chocolate & wine)£ 15= £1,057,19 -that is a lot more of
an average monthly salary- Also if we would like to have their
financial possibilities, we need to buy into our real price range
(for example also if I loved a bag Chanel I'd never spend so much
money but I like to find similar items but really low cost)...
How to know which is best credit card
choiche for you? Talk with your bank and ask explaination for every
kind of card (debt card, revolving, normal credit card, platinum
offer, prepay), in my case I choose to have a prepay card, that as a
maximum amount (€5000) that is possible to deposit on it, every
action with this card cost €2,50 in European countries and €3,50
in the rest of the world, plus it hasn't monthly cost and i know
exactly every time the amount is available on it, and if you try to overspend card is refused becaue you can only pay if there is money in the card. I use it most for
travel and is good because it is accepted everywhere!
If you already have a big debt to
repay, be really focused on repay it as soon as possible, talk with
bank so maybe you'll pay higher monthly rates but you'll repay debt
really fast (the best deal is reapy the debt in 3 years...ok for a
mortage is necessary more time-usually 10-15 years), try to have side
hustles with extra works (baby sitting in the week end, home sitter,
dog sitter, waitress everything you can do in your week end, ok I
know you'll be busy but every week end means money to repay the debt
and also saving)...but you must to have a real budget and respect it
really strictly.
I'm not saying that credit card is the
devil but only that if you are a credit card owner you must to be
really carefull on use it!!!
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