Monday, January 30, 2012

I Have Never Had a Real Credit Card

I have a rule where I don’t really like talking about finances with friends because it seems to cause problems sometimes. I have on occasion talked about it with a few close friends; they talk about their money problems and their debts. I am going to tell you something that will shock you; I am thirty years old and never have had an actual credit card. I wasn’t someone who when they turned 18 they mailed in every credit card offer they were mailed.  I am not going to say I am debt free because I am not. I have some unpaid medical bills from the time I had to take Noah to the ER because he stuck pieces of the inside of a diaper up his nose and didn’t have insurance. It was one of those situations where the hospital and poison control were telling me to rush him to the emergency room, and I didn’t want to chance something happening to my little boy, so we went.  I have other things that put me in debt, but it could be a lot worse.  I know that a lot of people are in debt, especially with the horrible economy.  Sometimes people have to rely on their credit cards to make ends meet.  Sometimes others use their credit cards on big ticket items like TV’s and tablets and they have to look in to contacting a debt management company, to help them get back on track.

I can’t say that I am the best when it comes to money though. I did a long time ago have some trouble with bounced checks… I was young and stupid. I thought the money would hit the bank before the check cleared and my calculations were wrong a couple times. I promptly paid the checks and the fees, but it was a hard lesson to learn. It’s really easy when you are 18 to end up having money problems because you are young. It’s not surprise why people use debt relief programs to help get out of debt.  I know that they do help people reduce the money they owe considerably.  I think that besides the checks and the little debt I am in, that I am in good shape, especially compared to other people my own age.

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