Okay, it is time to get out of a negative mood and concentrate on being happy.

If we want to be happy we cannot just sit still and think happiness will come to us. We are the master of our destiny. That is why we have to be very careful when we are young and think seriously about the decisions we make that will effect us for the rest of our lives.
Many of our decisions will get us in trouble if we dive in head first with no thought for the future.
Credit cards are in the top five of the biggest mistakes that young people, and some of the older ones, make.
I remember the times when I would get up to a half dozen credit cards in a week. I stopped opening them a long time before they quit coming. I don’t have a credit card. I use a debit card for an account I use for that. I was Hacked three times in a year when I had a credit card so I don’t take chances any more and, better still, I don’t get a credit card statement every month. I have a couple of store credit cards just in case but I seldom use them. I hate writing checks every month for things I never should have bought in the first place. For years my motto has been “If you spend it now you will have nothing later.” That’s not hard to figure out. I learned about saving from my mother who was a good business manager. She taught me the lesson of being frugal and it has stuck with me. For the life of me I cannot bring myself to pay $47.50 for a metal drinking cup! I found a copy recently for a little over $6, took it home and washed it good and proceeded to fill it with my hot apple cider. I let it set for a few minutes while I tidied up the kitchen counter then took a big sip that burned a blister on my lip. I had forgotten your drink stays hot a long time in those things! And worse than that my cider tasted like metal so I had ruined my cider and wounded myself by being too cheap! I’m going to throw away my cheap cup and go back to the mug I have been using. I’ll just have to drink faster and keep some in the pot on “warm” for my refill.  
So many times I bought things I didn’t need and sometimes giving them away with tags still on them. I believe money causes more problems in a marriage than anything else especially if one is a spend-thrift and the other is a big time spender. You should sit down together and work out a budget you can live with and stick to it. And if you use credit cards use them sparingly and have only one, and don’t charge more than you can pay within the next month or two. That will keep you out of trouble. Don’t buy it till you can pay for it. If you have good credit score keep it that way and it will be one of the best ways to stay out of financial trouble. When you charge it remember you still have to pay for it.

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