Some months ago while having lunch with my group of friends, it is sometihng we try to do atleast every month, with the little chit chat over lunch I discovered I am the only on of the group that did not own a credit card, can you believe it? someone like me with my shopping experiance and I did not own a credit card. The shock horror sounds coming from my friends that I had no credit card, now that has changed, I now have a few credit cards.
I know the risks in having a credit card, I am not a teenager and think it is free money, I know it has to be paid monthly and there is interest on top of it. So far I have used my cards for online shopping and auction sites.
With my luck lately I am sure there is a rainy day just around the corner where I am going to have to use my cards to get me out of a pickle, over the last few weeks I have had my washing machine break down, my fridge blow up, the water pump in my car call it a day, As I said I am sure there is something in the house or to do with the cars that is going to pop up when I can least afford it!