Week #3: Put the brakes on

Procrastination is like a credit card: it’s a lot of fun until you get the bill. – Christopher Parker

Time management is not my forte (you may have figured that out by the timing of this post). Minutes tend to be so small in my mind until I realize I’m buried under how many of them have gone by (like this, if you need a visual). I can have the best of intentions, but things just tend to get away from me.

Which is why all of the rubber wore off my brake rotors. & so I had to get new ones. & it cost a few hundred dollars. (I know those sentences look weird, but I just love ampersands (&)) Fortunately, this led me to my first project for this week—getting a credit card.

I’ve never had a credit card of any kind before (debit/check cards don’t count), which I didn’t realize was awfully strange until my friend of several years gave me that, Are sure you’re from this planet? look when I told her. Now don’t get me wrong, I’ve got debt from school loans that I’m in the process of paying off. But that is pure-grown, Financial Aid office produce.

Credit gets a sort of preferential stigma, like if you’re going to have to have pimples, at least have the sparkly ones. I’ve never really been a big spender, so my financial face has been pretty clear (alright, dropping that analogy). Plus,  growing up in a community where independence is highly valued, I think some of it might have rubbed off.

Thinking back, I felt like I could have asked more questions, understood more before I signed up, but I checked my bases. No fee for early payment, no interest for the first six months (within which it will be paid off), & a discount on my final bill for using the card 🙂 All that to say, I’ve got a credit card now and the world’s not over. I’ve got new brakes, so I won’t die, which is a plus. I’m blessed to have a job that enables me to pay  it off quickly, double plus. & I’ve got my new thing for this week in a way that requires only one post in a busy week, triple plus FTW!

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