This world is in fast forward, everything has to be done in such a hurry no one has time to really think or even enjoy life. Hurry and worry are the companions of a modern human being and no longer can one sit back and enjoy the simple things of life. Sadly paying the bills has become more important than ourselves and our families. Consumerism has taken control of the hearts and minds of most of the population of this world we call earth. Unlike our grandparents who knew how to do with less and seemed to be far more happier with only one car and if they were lucky a television or even a telephone. They saw life in a simplistic and conventional way. Family came before everything and they only bought a house or a car through a loan. They didn’t have credit cards to buy every new gadget and fashion trend that passed by.
They lived by the philosophy that if they couldn’t buy it with cash then they didn’t buy it at all. Consumerism is ok if it is tempered by reason and it doesn’t cause you to live beyond your means. Credit card companies are more to blame for the financial mess most Americans are suffering, issuing credit limits beyond the ability of a consumer to be able to pay. Also their loan shark levels of interests, extremely high fees and charges designed to slow down your ability to pay off the card balance has caused many to file bankruptcy to escape the bottomless pit of debt. The credit card holder is just as much to blame for the mess they are in, You chose to charge it instead of saving up for it and therefore you created the initial debt. Though I believe most people would have paid off their credit card debt if the credit companies would have not had such extravagant interest rates and be more willing to work with the consumers.
We really need to slow down and smell the flowers from time to time. Life is too short to waste on worry and family is far to important to let a career or financial worries to get in the way. We need to get back to living for the family, friends and being sensible in our financial dealings. What does all the trinkets and gadgets really do for us anyway except keep our focus off of what really is important.
- Your first credit card (campusclick.wordpress.com)
- Five Things to Consider Before You Get a Joint Credit Card (applyforacreditcard.com)
- Credit Card Processing Slows in Tough Economy (creditcardprocessing.net)
- Don’t Swear Off Credit Cards After Credit Repair (creditrepair.org)
- Handling a New Credit Card When You’ve Been Out of the Credit Game (applyforacreditcard.com)
- How Effective is Debt Consolidation with Credit Card? (gomestic.com)
- Taoism VS Ownership (makchingyuen.wordpress.com)
- Borrowing Again, but Less on Credit Cards (nytimes.com)
- How to Create a Good Credit Report (gomestic.com)
- Overleveraging is NOT a Gender Issue (businessinsider.com)