I was talking to a friend the other day on why making trips out to his residence wasn’t a good idea for my budget and we got to talking about credit, my credit. It is not that I have bad credit and I am in need of any credit repair services, it is actually the opposite. I have great credit but I have a bad habit of using it way too much. I pay my bills, never miss a payment but I buy way too much on plastic. So in order that I am not house poor I’ve been paying down all the plastic and of course watching my spending.

I find it funny that he critiques my spending but in 1994 he went bankrupt himself but he would say that was a lifetime ago and that he learned his lesson.

After this…will I have learned mine or am I always going to be a slave to the ‘I must have’ thoughts that run in my head? Only time will tell.

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