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Honored Contributor
Posts: 41,126
Registered: ‎03-09-2010

Re: do you get frightened...

not really......

i have my own personal christmas club fund.

i do the 52 week money challenge and the 365 penny a day challenge throughout the year.

i begin using the cash accumulated for the holidays to purchase whatever items that i need for gifts and whatever is leftover goes to the credit cards.

 

i end up with $2,045.95 doing both challenges.

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"The world is a dangerous place, not because of those who do evil, but because of those who look on and do nothing." - Albert Einstein
Respected Contributor
Posts: 2,908
Registered: ‎11-22-2013

Re: do you get frightened...

@GoneButNotForgotten  NO, I am rhe captain of my ship so I am the responsible party for any charges I incur.  I have a budget and adhere to it accordingly.

Respected Contributor
Posts: 3,001
Registered: ‎05-01-2020

Re: do you get frightened...

Nope. I've never been one to run up my cc.

Respected Contributor
Posts: 3,373
Registered: ‎03-29-2020

Re: do you get frightened...


@deepwaterdotter wrote:

@kitcat51 For us also, I share your "ugh".


 

me too. I put aside my best estimate of what our property taxes will be (i.e., I divide my guess by 12 and put that amount aside every month). Taxes are going up rapidly so when I make my estimate, I increase  the previous year's amount by about 10% or so. 

Respected Contributor
Posts: 3,680
Registered: ‎03-09-2010

Re: do you get frightened...

No because I'm aware of what I'm charging.  I actually pay my credit cards off twice a month in full.

Regular Contributor
Posts: 228
Registered: ‎10-15-2021

Re: do you get frightened...

The credit card is neutral as is the balance - it's the meaning imposed on it that incites or engages fear. Watch the mind 

Valued Contributor
Posts: 767
Registered: ‎10-19-2022

Re: do you get frightened...


@FranandZoe wrote:

No because I'm aware of what I'm charging.  I actually pay my credit cards off twice a month in full.


I did that too when I worked.  Next to the car payment, it was my second expense out of my paycheck.

Super Contributor
Posts: 429
Registered: ‎03-12-2010

Re: do you get frightened...

terrified.  I overdid it this year and now it's time to pay the piper

Honored Contributor
Posts: 10,400
Registered: ‎05-15-2016

Re: do you get frightened...

I paid off two credit cards in the last few months and working on my third so I'm not charging anything this year to get out of debt. 

Honored Contributor
Posts: 13,318
Registered: ‎07-15-2016

Re: do you get frightened...

No.  I"m able to pay off the entire balance each month.

 

I put off my retirement until I was on a sound financial basis and would not have to worry about money.  I saved for years.