Family monthly wants ranging from groceries, clothes, household appliances, for school kids and even knick – knacks others have accumulated in the shopping cart. You even still want to add the further stuff, when you know the budget for the expenditure already exceeds the limit, but you still have a credit card. Easy, just swipe it. How easy is that?
Well, it’s that easy. Scratch the card and your ready to bring the foodstuff home without having to spend cash. You do not have to bother – bother bringing cash to the millions of dollars in the wallet, enough with just one card. But you must remember the benefits and disadvantages that should be your responsibility when spending with credit card. This risk is not only concerned about cash but also your readiness problems emotionally.
In banking, known as 2 kinds of card for easy finance, i.e. credit cards and debit card. The system works: The credit card is a card whose funds loaned by the bank card issuer, while debit card are the cards for transactions where the funds come from our own savings.
Benefits and disadvantages
● You do not have to bother – bother to carry cash, especially in a large number of very risky.
● It can transact anywhere with those who work together with the credit card issuing bank.
● You can buy whatever items you want without having to have the cash or save it first.
● Family needs within a month can be in a straight line purchased in bulk.
● Can you use when in a state of urgency or emergency, for example there are families who are sick or something terrible happens.
● You can be indebted for life. Why? Because the unrestrained use to make your shopping with credit card exceeds the maximum threshold value of the card. That does not include penalties if late in paying your responsibility. This will be continual every month, year even for life if you keep doing the same mistakes over and over again.
● Life less calm (anxiety). While you will be satisfied because they can buy any item that is needed with no having to wait to have cash. But what good is life if not quiet because you’re being chased by debt collectors due to a jammed card installment payment.
● unrestrained expenses. If you have purchased goods must wait for cash or save first, spend with no credit card. Enough with the string then all the affairs of shopping so easy. Yet it is precisely this that makes people forget because they do not control spending by following the passions beyond shopping.
● Always oversimplify the problem. If no credit card of course you will consider carefully any expenses, but because there are credit cards then you consider trivial and resolve any financial problems with credit card.
● Unable to save. With a lavish lifestyle, unrestrained passions and always shopping with a credit card, we can be sure you are not able to save for your expenses patterns have not changed. Due to savings required a strong will to put the brakes on the passions. And this can not be fulfilled during the ease of shopping with credit card just as you imagine.
Smart Shopping Tips
● Write down all the items you want to buy before you go. Why? Because this makes it easy to shop, both in terms of time and funds. With the first record all the list of needs that would buy you do not need to waste too much time in the shopping center because it was too busy looking for items that have not or do not need. With notes also remind you to not buy goods that are not too important.
● Set the minimum and maximum value of shopping with credit card. With this designation also allows you to control the use of the card every month so it does not exceed your financial limits.
● Limit use of credit cards. Shopping with credit card do make life so much easier, but do not forget you also have to limit its use. Make a list of expenses items anywhere that does need the help of credit card.
● Be aware of credit card function. Credit card are made to simplify your life, rather than make difficult. Do not like too much just because you have a credit card and then act outside the limits. Credit card function is to help you more easily shop for the necessities of life, so do not wrong to use for things that are not important.
● Control your expenses appetite. One thing that makes people trapped in a luxury lifestyle or outside the limits because they can not control the passions. Some people are dazzled by foreign branded goods that are expensive. You must prudent – shopping with credit cards only for purposes that are important and urgent.
So, as modern humans do not just blame the credit card only. It only takes a careful attitude when shopping with credit card. You agree, right?
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