I’ve have always had trouble with the credit card game. In fact I no longer have any credit cards. After graduating from college and needed to buy a refrigerator in our first apartment we thought it would be simple. Just go down to sears and buy one on credit. Middle did we kne that we didn’t qualify because we didn’t have any credit history. Fortunately our landlord was kind to provide one for us. So, we were forced to sign up for an American Express credit card. We had that for many many years and used primarily for travel and emergency expenses. In fact we used the card in lieu of an atm card. It is a game which does frustrate me.
I think about this all the time! Also very funny timing as I was just at Sam's Club yesterday and had to really resist buying a big pack of coconut water that was honestly a steal lol
But when it comes to credit cards and deal culture...ugh I agree with you. I'd rather not participate at all but I did a financial coaching program a few years back and whenever I'd say something to that effect, my coach would very simply say "yes but the reality is this is how the world works" and I think that really helped alleviate the guilt I felt about it all. Now I put all my purchases on my credit card and pay it off in full every month, and just try to lean into feeling grateful when I get some extra cash back or don't have to pay for a flight home. And same for saving on something I'd buy anyways, I just try to feel grateful when I need a new toothpaste and already have it in my cabinet. It's not a perfect solution but it def helps
I’ve have always had trouble with the credit card game. In fact I no longer have any credit cards. After graduating from college and needed to buy a refrigerator in our first apartment we thought it would be simple. Just go down to sears and buy one on credit. Middle did we kne that we didn’t qualify because we didn’t have any credit history. Fortunately our landlord was kind to provide one for us. So, we were forced to sign up for an American Express credit card. We had that for many many years and used primarily for travel and emergency expenses. In fact we used the card in lieu of an atm card. It is a game which does frustrate me.
I’m glad I’m not the only one who is frustrated by it 🤪
I think about this all the time! Also very funny timing as I was just at Sam's Club yesterday and had to really resist buying a big pack of coconut water that was honestly a steal lol
But when it comes to credit cards and deal culture...ugh I agree with you. I'd rather not participate at all but I did a financial coaching program a few years back and whenever I'd say something to that effect, my coach would very simply say "yes but the reality is this is how the world works" and I think that really helped alleviate the guilt I felt about it all. Now I put all my purchases on my credit card and pay it off in full every month, and just try to lean into feeling grateful when I get some extra cash back or don't have to pay for a flight home. And same for saving on something I'd buy anyways, I just try to feel grateful when I need a new toothpaste and already have it in my cabinet. It's not a perfect solution but it def helps