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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

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4 Things I Know For Sure About Money

[May 10th, 2016]

Money is a funny thing. Everyone needs it, but no one wants to talk about it. Or at least, it’s not something we talk about in polite company. Still, whether we want to talk about money or not, it’s something that affects all of your lives, every day.

Here are four things I’ve learned about money over the years.

You’ll never feel like you have enough. It’s a strange thing, but it’s true: your money has a way of getting used up, no matter how much you have. Your “needs” seem to get bigger, right along with your paycheck. No matter how much money you have, it’s likely that you will never feel like you have quite enough. If you’re caught up in worrying about money, take a look at where your money is really going. Do you spend money on things you don’t really get joy from, just because you think you “should” for some reason? Are you trying to keep up with the neighbors, or your co-workers, or trying to impress family and friends with fancy purchases? Think twice about any spending that isn’t directly benefiting your life or bringing you happiness. Chances are, you do have enough. And if you don’t, you can work toward having enough. If you are mindful about your spending, there will come a time when you do feel you can relax, because what you have is sufficient for your needs.

Credit cards are useful tools. There are people who shy away from using credit cards. They think using a credit card means being in debt, and they don’t want to owe anyone money. But this is backward and old-fashioned thinking. Truly, credit cards are great tools. They allow you to keep track of your spending, not carry cash around all the time, have your purchases protected if something goes wrong, and earn rewards. As long as you pay your credit card bill on time each month, you won’t go into debt from using a credit card. If you don’t have one, get one. You’re missing out on so much if you don’t use a credit card.

Debt isn’t always bad. Speaking of debt, it isn’t always a bad thing. A mortgage, after all, is debt—and most people cannot buy a house without getting a mortgage. There is good debt and bad debt. Credit card debt, if you have a high APR, is bad debt. But even credit card debt isn’t always bad. For example, if you have a credit card with a 0% APR introductory offer, you can use it to make big purchases and pay them off over time, interest free.

It’s not how much you have, it’s what you do with it. No matter how much or how little money you have, the important thing is how you handle it. Doing things like earning and redeeming credit card rewards, making a budget, transferring balances so you pay less interest, and considering your purchases carefully will help you feel good about your money.

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