WalMart can be persuasive

Okay, okay, I got the card. But, I have a plan (yes, that's what they all say). My plan is to use the card only when I have the cash. So, it lets me keep a little more cash on hand just in case it's needed, and pay the bill an average of 20-30 days after the expense.

Let's see if this works.

WalMart is not the only store, or is it?

Walmart just sent me a "pre-approved" application for a credit card. Oh my! What should I do? Seriously, I don't need another credit card, but Walmart did stop their layaway plan. Seriously, layaway is the best thing retailers have ever done to try to help the credit-card-challenged.

Well, I'm going to think about what to do and I'll write about it in later posts. Hey, if I get it, it doesn't mean I have to use it, right?

Debt is not cute

It's only been recently that I've asked myself how did I get into this mess. The question is, really, why didn't I ask that question years ago. Although I'd like to think the luxury cars, designer clothes and leather couch was a necessity, the reality is my grandmother would not have thought these things were relevant or important or cute. Debt is not cute.

Using a gold, platinum or whatever color credit card when you aren't sure it's going to go through, or when the credit card company takes that priviledge away (over the limit fees, late fees, you-can't-use-it-any-more-fees), it's time to realize that debt is not cute.

I hope this is something that motivates me to get out of debt; I'm tired of being ugyly.

How would you like to pay for that?

Enough said! If we can't laugh about it, and address it at the same time, we'll never fully understand how ridiculous it is that CREDIT and DEBT can rule our lives. Thanks for making me laugh as I address these financial issues that will not win!