For those you have wondered (’cause I know the world revolves around me), I have managed to stay debt light, having only the mortgage, the car lease and a couple of small loans taken out for the household renovations. – and those loans will be paid off within the next few months. In fact, I’ve managed to not use a credit card at all this year. Yay, me!
It was nearly a year ago that I wrote my post, “Arising From the Ashes of Credit Card Debt.”
Sure, within a couple of years of declaring bankruptcy, I was able to get a furniture loan and a car loan, but credit cards were unattainable. Not that I’m a fan of credit cards, mind you, but sometimes it helps to have one. What if there’s a major expense (like the washer breaks or the dog gets sick [from eating my brand new cell phone, but that’s a whole ‘nother story]) and there’s not enough money in the checking account to cover it?
Before my bankruptcy, I had nearly every credit card that was ever offered (gee, I wonder why I never saw bankruptcy in my future?). Years later, I could understand why companies I stiffed in bankruptcy would now be reluctant to grant me a…
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