Good Credit - Can you live without it?
You drive down a street and you see someone out in a large yard mowing the lawn, sitting on a riding lawnmower. The house is large and looks like it's well taken care of, there is a nice size swimming pool sitting behind the house, and in the driveway, you notice a shiny, almost new looking automobile. Scenes like this are all over the United States, and for a lot of people, it's what they consider a necessity of life.
Most of these people are so far in debt, that they are a slave to their material desires. They have to work long days, and often work weekends and Holidays, and many times, they ask to work any available overtime, for some extra money in their paycheck. Why, do they think this way, or how do they become trapped in this financial mess?
Many times it's their upbringing, they saw their parents working full time jobs, and they always had the biggest and best things, so this idea stuck in the children's minds, and as they aged, their thinking patterns resemble those of their parents, whether good or bad.
I am lucky as my Dad who was the bread winner of the family as we grew up, was just the opposite type of person, he was a person who had great restraint, and used common sense. One thing I remember Dad always saying, was; 'Don't go into debt', and 'Always pay your bills as soon as they arrive'. Dad, worked hard for years, from dawn into dark every day, on the farm we had.
If Dad, had enough money to buy a pack of chewing tobacco, he was happy. He didn't go looking for expensive cars, or fancy furniture, or other material traps, that so interest today's society. He would look for the best bargains, and go from there, instead of buying what was not needed, and getting into debt over his head.
Now, that I am in my fifties, I am blessed to have the same type of thinking as my Dad did, so many years ago. I have only owned and used one credit card in all my life, and that was a SEARS card that I made the mistake of applying for back in the late 1970's. I quickly learned that purchasing any items with a credit card, was insane, the high interest and other penalties made me soon, pay off my card and destroy it.
If I needed a new vehicle, I would save up a little cash, and buy a used one, I have never owned a new vehicle, and I have never had the desire to own one. To me a vehicle is a necessity, if you live far from your place of employment or the stores. If and when I lived in town, I did not even own a vehicle, as I walked to where I needed or wanted to go.
I have never had the desire to own my own home, because I always felt that my job would not pay for such a large expense, and I felt no desire to owning my own property, and having the hassles and other expenses of maintaining it, so since the age of 18, I have lived in small apartments that have been very inexpensive.
I have no debts, no outstanding loans of any type, and no credit cards, and I live fine and am enjoying life. I can live and maintain my current lifestyle on under then $1,000 a month easily. I have never had a desire to go into debt, and never will. Why would anyone want so much stuff, that is nothing more then earthly desires, and stupidity. I have never felt the need to impress anyone, and am happy and content. So, even here in this day and age, when there are so many families losing their homes to foreclosure, and others struggling to pay their bills, whose fault is it? Don't go into debt, and you can truly enjoy life.
There is a website that shows you numerous sources for getting a credit card or a fast cash loan, even if you have bad credit, also you can discover the best sources for credit reports, help prevent identity theft, understanding credit card terms, and much more, this website is called: Credit Cards and PayDay Loans, and it may be found at this URL: http://www.rb59.com/creditcards
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