Daily Prompt; Decisions, Decisions


Credit cards Français : Cartes de crédit Itali...

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How are you more likely to make an important decision — by reasoning through it, or by going with your gut?

One thing that is usually guaranteed in  life is maturity. Learning from our past mistakes helps us make better decisions later in life.

I started out free and happy. Newly married and no worries. Love blinded to anything in front of my eyes. Every credit card I received in the mail made me feel more and more important.

How easy it was to go to the department stores and whip out my card. Signing my name on the dotted line brought with it more than a heap of pride. The bills did come in at the end of the month.

Now what do I do? I don’t want to have to pay this. I want to go shopping this weekend. I will just pay the minimum due. This way I can still do what I want.

Wow did I learn my lesson quickly. After a few months of my routine my bubble was busted when I maxed out my two cards. I had wept into my own hands for being so stupid. I was going to  have to pay and remember this mistake for years to come.

Now many years later and the cards paid off I have learned a different way to make decisions. I ask myself, do I need this? Can I live without it? Can I wait until it goes on sale or on the clearance rack?

When I enter a store now I don’t stop and gawk at the front row of goodies. I actually head for the back where the clearance racks sit. Even in grocery stores there are sales constantly, but we have to look for them.

The eyes behind the scenery are much smarter than we give them credit for. It is intentionally planned that the highest priced and the newest products are placed at eye level. We see this first and we dive in for it.

What we don’t see is that two shelves down is the same product in a store brand label for a much lower price. I find this to work in almost any type of store that you can use cash or credit.

With caring for my brother I have not worked for some time. Money is a valuable element in my life but I have to make excellent decisions so I don’t end up being number one on the redial of a collection agency.

If it is a high-priced item I know I need I sleep on it for maybe a few days. I scan the internet and the paper ads for the best bargains. I talk to people and get their thoughts on professionals that won’t try to take advantage of a single person on a limited income.

Eventually I do come to the decision. If I don’t know the answer I still wait. I learned this from my Mom. She always said, if you can’t figure out the right move, wait, because you could be digging yourself in a big hole.

My mom was a wise woman. If I would have thought of this when I was in my twenties I wouldn’t have spent years paying off high interest credit cards. Thanks Mom, it finally kicked in.

19 thoughts on “Daily Prompt; Decisions, Decisions

  1. Hi, Terry. I’ve seen your name several times as “liking” my blog posts, and finally took some time to stop in and take a look at your blog. Loved this post. I never managed to go deeply into debt with credit cards, but that was by no virtue of my own. They’re deceptive and enticing, aren’t they? Good common sense here. Thanks.

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    • When I was first married my husband and I did get credit cards. I over dramatized with the post here but it was pretty easy to use those beautiful cards…………..glad I had some common sense even back then!! LOL so nice to meet you finally!!!!!

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  2. Pingback: Daily Prompt: I Have A Decision To Make | Creative Mysteries

  3. Maturity brings that ‘impulse buy’ gene to a rapid halt does it not? LOL I think the majority of us have experienced this, although I don’t own one credit card now there are times I wish I had one for emergency. I had to take medical bankruptcy last year as at one point I had over a million in charges and just couldn’t get it all paid although we got it down to $165,000. which I am proud to say we did.

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    • I think it is so sad that we can not control our medical problems but the cost of medical issues can control us. I am thankful that you were able to file bankruptcy and get it lowered instead of having to carry that heavy burden on your shoulders for years to come

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      • thanks Terry it was a long five years I tried to pay it off but gave in at the end or I would have ended up homeless, and what is really sad is that I had insurance but when I got my disability they demanded their payments back from everyone then medicare wouldn’t cover them so we had to. there was no need or us to go through any of that if I would have consulted an attorney but did not ever think of that just thought ok I owe it I will pay it som how… Ah well life goes on and I am blessed and grateful to have it.

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  4. So true, Terry … because we don’t see as it’s money when we swipe the card – and the banks has become a lot better over in Europe after the big credit crunch … 4-5 years ago. They are more careful who they give cards to .. today.
    I been there – done it… don’t have any now – paid of everything 4 years ago – and I don’t have any credit card – only debit card, best thing I ever done. Have an AMEX as back up when I travel, but I have to pay everything in the end of the month.
    Every penny I have is totally mine – wonderful feeling.

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  5. I write from my gut. But, I’ve never had enough money to blow on stuff. I must say I went through a phase where I was buying stuff on the shopping channels. They will sell swamp land to Florida successfully.

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