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Credit cards.

September 14th, 2006 at 11:30 am

I have learned a very important lesson. I think. I cannot be trusted to have CC2 in my wallet. Originally, the idea was to just use it for grocery and gas purchases since I get 5% cashback and I don't spend more than my budget. But it's become my emergency and what the hell I'll pay it off soon enough crutch just by being in my wallet. I don't need to freeze it or give it to someone else but just keeping it in my drawer and not in my pocket is enough.

Since Citibank is doing away with 5% cashback on grocery and gas purchases sometime in October, I was going to stop using it soon anyway. I am going to continue to use it until next week when I get paid again for groceries. Then it goes back into the drawer.

What happened? Simple. My favorite band came through again, this time doing a bunch of nearby in-store, free, shows. I filled up on gas a few times to get to the shows as one was in Olympia (110 miles away) and another was in Seattle (150 miles away). Plus I worked in between so it's not like I went to one, stayed for a couple of days, then went to the other. Then a bunch of us went out to dinner at a place that wound up being more spendy than we'd anticipated. And knowing how everyone's on a tight budget, I just decided to pick up the tab for the four of us. To the tune of about $58 after tip and taxes. Then, I decided to pick up 5 copies of the new cd, one for myself and the rest as gifts. Although, one of the guys I gave one to paid me for it. Still, that's another $65.

I have not adjusted my habits enough to have the card in my wallet. I realize this now. In a week, it will be put away.

1 Responses to “Credit cards.”

  1. Bookie Says:

    Ne nos inducas in temptationem (Lead us not into temptation.)

    Hey, that's a big admission to recognize that you just aren't ready to carry a credit card at this point in your financial rehabilitation. It took me a long time to reach that degree of honesty and self-awareness. It also cost me a pretty penny to learn the lesson.

    Old habits die hard, and the solution for me was to lock the temptation in my strongbox and to leave home without it.

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