If you're wondering why I am on a rant, click on the link at the bottom of this blog for details.
As someone who works hard to maintain a decent, I suppose "sterling" credit card score (763 last I checked), I resent that I am now facing the likely prospect of having to pay for the bad, reckless, and irresponsible decisions of others. In the near decade since I received my first credit card (I refused to even consider owning a card until I felt I was able to be responsible enough to use one), I have never used them extravagantly. I've always lived within my means and I am certainly not affluent.
Far from it...as of this writing I have been (at best) sporadically employed for the last 18 months. I could have easily racked up all sorts of unsavory debts on my cards and adopted a "devil take the hindmost" attitude...but I didn't. Even the recent 3.2 grand purchase I made regarding my "new" car was done in cash, withdrawn from my bank account.
Personally, I have (practically speaking) never had assistance from anyone - "mommy and daddy" included to obtain and accomplish the modest things in my life. Nope, I did it the old fashioned way...wishing, hoping, waiting, working, and saving until the day arrived I was able to do what I intended. No helping hand for me...just my own scruples and judicious (usually) judgment. Don't get me wrong, I have been afforded some minor auspicious breaks now and then - but they are usually few and far in between.
Despite my less than optimum employment prospects, I have managed to save a decent amount of "chump change", and always without exception pay my rent and bills on time and in full. I never went for the "McMansions", brand new cars, or other fleeting treasures and trinkets. What I own, I earned such using my own money. And, I've never borrowed a dime from anyone - not even for a loan from the government. As Shakespeare espoused once in Hamlet, I have always followed the timely wisdom of "Neither a Borrower or Lender Be".
If the aforementioned sounds trite and snarky, then so be it. I realize that life and existence is a relative proposition for everyone and obviously, the options are not always so cut, dried, and simplistic. I formulate my outlook based on my experiences - some of which have been quite "hard scrabble" in nature. At best, I may have been born with a plastic spoon in my mouth. No "bed of roses" for me, dammit. In spite of such, I never overextended myself and always striven to live within my means. Assuredly, this isn't possible for everyone for varying respective reasons. I can only plead my case. And...I don't like paying for the mistakes and bad decisions of anyone else. Lord knows no one has paid for mine.
http://www.nytimes.com/2009/05/19/business/19credit.html?_r=1&hp
Far from it...as of this writing I have been (at best) sporadically employed for the last 18 months. I could have easily racked up all sorts of unsavory debts on my cards and adopted a "devil take the hindmost" attitude...but I didn't. Even the recent 3.2 grand purchase I made regarding my "new" car was done in cash, withdrawn from my bank account.
Personally, I have (practically speaking) never had assistance from anyone - "mommy and daddy" included to obtain and accomplish the modest things in my life. Nope, I did it the old fashioned way...wishing, hoping, waiting, working, and saving until the day arrived I was able to do what I intended. No helping hand for me...just my own scruples and judicious (usually) judgment. Don't get me wrong, I have been afforded some minor auspicious breaks now and then - but they are usually few and far in between.
Despite my less than optimum employment prospects, I have managed to save a decent amount of "chump change", and always without exception pay my rent and bills on time and in full. I never went for the "McMansions", brand new cars, or other fleeting treasures and trinkets. What I own, I earned such using my own money. And, I've never borrowed a dime from anyone - not even for a loan from the government. As Shakespeare espoused once in Hamlet, I have always followed the timely wisdom of "Neither a Borrower or Lender Be".
If the aforementioned sounds trite and snarky, then so be it. I realize that life and existence is a relative proposition for everyone and obviously, the options are not always so cut, dried, and simplistic. I formulate my outlook based on my experiences - some of which have been quite "hard scrabble" in nature. At best, I may have been born with a plastic spoon in my mouth. No "bed of roses" for me, dammit. In spite of such, I never overextended myself and always striven to live within my means. Assuredly, this isn't possible for everyone for varying respective reasons. I can only plead my case. And...I don't like paying for the mistakes and bad decisions of anyone else. Lord knows no one has paid for mine.
http://www.nytimes.com/2009/05/19/business/19credit.html?_r=1&hp
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