As I lay in bed, my thoughts turn to getting mugged. Because that’s how my brain works.
Think about this: imagine you are walking down the street carrying $65 in your pocket. A guy walks up to you with a gun and threatens to shoot you on the spot if you don’t give him your money. A chill runs down your spine and you slowly reach into your pocket, pull out your $65, and hand it to him. He runs off.
The next month, you are depressed because of the $65 loss from last month. But you’re carrying $67 now. The exact same guy comes up to you, pulls the gun, and you hand it to him.
Next month, you’re carrying $70. Now the guy just walks up to you and you hand it to him without thinking.
And the next month. And the next month.
This is the story of what I do every month. I have a Visa bill that is sky-high and an interest rate to match. Every month, I get charged about $65 or so on that balance. Oh, and I have another credit card too, with an even higher balance. Every month, I have to kiss well over $100 in interest alone on these accounts, just because I’m carrying a balance on them.
I’ve heard people say that using a credit card is safer because you wouldn’t want to be robbed when you’re carrying cash, but it looks to me like you’re getting robbed worse and more often with the credit card companies. And the worst part about it is, after a while, you don’t even notice it. You just accept it and go on with your life.
Is that sad or what?