That magical piece of plastic. Once you get your first one, you are rich!!! You can go to the store and buy almost anything that you want. Here is the big problem, you still have to pay for it.
Credit cards are like modern day slavery. I know, that is a harsh word to use, but let’s take a look at this. The idea behind the credit card is to tempt you to buy something with money that you do not have, and then charge you for using the credit card. Now that you have an extra bill to pay, chances are that you will not have money for something else, so you charge it. You become a slave to the credit provider, constantly sending your hard earned cash to them, but getting less and less back from your purchases.
Here is a little bit of advice from my Grandpa. If you cannot afford to pay for it today, don’t buy it. We live in a society that demands that we spend money. I once heard that the average American gets 37,000 advertisement impressions per day. You need to resist this urge to splurge.
Save enough money to purchase the item in cash. Use your credit card for the purchase and then go online to your bank and pay it off. You will avoid the extra charges from your credit card company for using their money to by your toy. Another plus, this will help raise your credit score.
It is OK to use a credit card, just make sure that you can pay it off right away. If you cannot pay it off today, the toy can wait.
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