There's nothing like computing your credit card payments to bring you back to earth. I just did my computations today of my two credit cards and I was jolted with what I saw! At the rate I am paying them, it will take me two years, until October 2014 to pay both totally!! And that includes only expenses that I want to watch till September this year! Other concerts that I want to watch after that, I'd have to pay in cash!! Que horror!
The challenge now is do I have the guts to do just that? Let's see how I can manage realistically!
#1 Pay AXA payment and gym in cash. I observed that if I pay through card, I'd have to pay the interest rate and it accumulates! So cash is better.
#2 As much as possible, pay the ticket in cash!!
#3 Check credit card payments everytime I feel like spending so I get back to earth!!
#4 If you can get free tickets through friends, do so!
#5 If making a purchase, check first how it impacts your payment plan!
#6 Be frugal in the right way!
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