One of my resolutions this year is to stop abusing my credit card. I admit to using it on a whim and buying things on an impulse which is really out of the budget. It’s hard when I see a really nice bag which was really love at first sight. It’s hard to put it down anymore and would end up swiping my card instead. My credit card company has increased my limits during the Christmas season which was really such a big temptation to overspend some more. Of course, with every purchase I would give myself justifications in order not to feel guilty. But in the end, when paying the bills comes, that’s the time I semi-regret my purchases. Oh well. I know I need to stick to buying just the necessities so I can save up for the wedding. I know some of you have your own monetary problems. Some abuse their credit cards (like I do), while some just rely on payday loans which is now easy to apply. Well, now that I don’t have a corporate job anymore, payday advance is not applicable for me. I really need to straighten out my buying habits. I’ll be working on that this year!
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