Credit Cards

Let's talk about those little plastic keys to financial ruin. Let's talk about Credit Cards. Don't get me wrong, I don't hate credit cards so much that I don't USE them. In fact, I have more than my fair share of credit cards and the "balances due" that go with them. All I'll say is I have learned some valuable lessons. Such as, if you find yourself asking "Why do I have so many credit cards?", it may be in your best interest to find a SMART (ask a financial planner) way to get those debts into as few monthly payments as possible.
Over the past few years, I have bought into the credit trap. Buy Now, Pay Later. Put it on your card. whatever you want to call it. It's the trap that credit card companies have set and sprung. I don't fault these companies, because it's a viable business model. I've had very few bad experiences with credit card companies, simply because my wife and I make all our payments on time. This is the first time I've ever had doubts or worry about my ability to pay my payments.
So, as it goes, credit cards are like electricity. Very useful, if used properly. If not, they can kill you.
Anyone wanting to vent/talk about credit problems, email me, because I feel very strongly about the need to treat credit cards with caution and control, and if I can help someone, I will.
Speaking of which, there are some people (ahem) out there that may have a mountain of credit card debt that they can currently see no way of climbing. If that's you, I'd like to recommend reading the book The Automatic Milionaire, by David Bach.

Once again, it's been a pleasure. Comments are always welcome!