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Measuring Finances
Credit Cards
Assets vs. Liabilities

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Current Level:
Credit Cards 2
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Credit Cards 4


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This and That:
Learning Financial Responsibility

But Stores Offer Credit…

… Yes! They do! And what did we say about what happens when you spend money you don’t have? – Someone else … 

That is precisely what those stores are after. My advice – don’t do it. 

My Dad may be an old stick-in-the-mud when it comes to financials but there is one thing he taught me that has proven to be a true statement over and over again: “You don’t own it until you paid for it. Saving the money and buying it when you have the money is much easier than paying off credit debt.” Think about it. If you discipline yourself and put a certain amount of money into a savings account every month then you earn interest on that money. Sometimes more, sometimes less, depending on the type of investment you choose. Then there comes the time when you go to the store to buy what you want and it makes you proud that you can afford to buy it. You have a much better negotiation position if you pay cash and many merchants will actually give you (unadvertised) discounts for paying cash. And finally, you don’t pay interest and haven’t created an ongoing liability for yourself by having to pay monthly installments. 

(read on ...) 

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