Paper or Plastic?

You ever see those Visa Check Card commercials where they show a fantastic shopping plaza where everyone is happily swiping away *swipe swipe swipe* until that jerk comes along, coin pouch in hand, and holds up the whole line?

Yeah, that jerk is usually me.

I’ve always been a cash girl – it’s efficient, it’s solid, and it’s hard to let go of. I just think credit cards make it too easy (“That’ll be $563.94” *swipe* “Thank you have a nice day!”) and that’s entirely my point. You can swipe away bucket-loads of money without realizing it. Credit cards make it so simple, it’s like you can get whatever you want and you’re not even spending real money.

However, when it comes down to forking over a twenty dollar bill to some Starbucks chick for a cup of coffee, I’m much more hesitant to get the overpriced (albeit ridiculously addictive) Venti Caramel Frap. With cash, it’s either you have it or you don’t. With credit, you always have it (or so you think).

I’ve seen many a times when my girlfriends get a little swipe happy and come home with shopping bags full of things they can’t really afford because “they can always pay it back later.” And I’m not too psyched about debit cards either – $32 overdraft fees because I went a dollar over my limit? Yeah okay.

I must admit that the only thing keeping me from shelling out hundreds at a time on online shopping is my serious lack of plastic. But I have reached a point in my life where it is almost impossible to go without a credit card and an embarrassment not to have a bank account. I’m all for hiding money in the mattress (uh… I mean not hiding it in my mattress- great, now the thieves will know where to look) but it simply isn’t practical anymore. I get it, I need to start building my credit. No bank = no credit = no interest = no security. So yes, I have resorted to getting myself some plastic.

But honestly, I’m worried about swiping myself to debt (ha!). Any advice? Anyone in the same boat?
Paper or plastic?

Why You Should…Go To Japan
Why You Should…Go To Japan
  • 10614935101348454