Seen to many people go into debt for stupid shit when they could have waited another 6 months and had their stupid shit without the debt. Edit: For Retired Teacher I Do What I Want When I Want Shirt is a factor however in australia where I’m from it doesn’t tend to make a difference for loans if you have a credit card or not. I was approved for my home loan on the basis of my salary, my proven rental/bill punctuality and my savings. I completely agree with you but they are really helpful for building credit. My husband and I are pretty anti-financing anything except for a house, but we have a credit card so that we can have good credit to buy a home someday. I was like you until age 34. I had seen too many horror stories of irresponsible credit card use.
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Then my lack of credit started to bite me in the ass, and now I’m trying to play catch-up so I can purchase a house. The game is kinda stupid for sure but now I’m into figuring out how to play it. If you want to get started, chec k out secured cards – you self-fund a very low limit. I mean my high school had a whole section where we Retired Teacher I Do What I Want When I Want Shirt given $1,000 of fake money to “invest in stocks”, I think it was through a website that pulled actual stock market data. We could buy and sell stocks through that site throughout the semester to see who could grow their initial investment the most. Honestly I think it’s pretty normal to have a section or two on these kinds of things (filing your own taxes.
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