Credit Cards (RUN AWAY!)

I have a simple warning for any fellow shopaholics like myself: Run screaming in the other direction when the sale clerk asks you if you want to open up a credit account with that store! I am serious people, the sweet little deals they tack on are so tempting-20% off here, free shipping online, $10 on your birthday...all these things sound great, BUT they could financially ruin you. I realize that may be a bit dramatic. I'll rephrase that to they have the potential to financially ruin you. Even if you keep the account manageable. The ability to buy what you want, whenever you want it is super victorious until the bill comes! Whats worse, these stores like Victoria's Secret, JC Penny's, Gap and Kohl's tack on ridiculously high interest rates too making it hard to get ahead if you ever get behind (which I am sure you never will). I was once sucked into the trap of store credit cards, and now I am officially FREE. I paid the last card off yesterday and it is now cut up in my garbage can.

Its liberating, I encourage you to get rid of these cards. You will be glad you did :)