There is always a sale or something that you must buy because of the holiday season, birthdays etc…. and the credit card companies could care less that you are on a budget. Those credit card companies that want you to spend money that you dont have, the play the savings game. The savings game is when a credit card company advertises to the average person who may or may not be on a budget. They claim that this is the perfect card, even if you are on a budget, it will help you stick with your budget goals. At the moment, that you swipe your new credit card, you may not feel the after affects of debt right away. A few weeks down the road, you will begin to feel the difference. Unless you are a highly disciplined person and you have a second stream of income coming in, an extra credit card can be like a death wish come true for those who are falling or already in debt.
Many have quoted that a person doesnt get rich by spending. Spending not being mistaken for investing. Buying a truckload of clothing for your new wardrobe is not an investment unless you are using it for a new career or to earn an extra stream of income. Rarely do you hear of a credit card firm...
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