It’s been two years since I wrote this post, and I’m happy to say I have not fallen back into the credit card trap (I even paid off that furniture within the first year). Good thing, too, because by keeping my finances in order, my recent job loss and drop in income were not as devastating as they could have been. Yay me!
My new bedroom furniture arrived today. While new furniture is generally a happy occasion for most people, for me it is especially exciting because I was able to finance it over a two-year period at Zero Percent Interest!
I suppose some background information is in order. From the early 1980s to early 2000s, I relied heavily on credit cards in order to raise my three kids and maintain my home. We didn’t live extravagantly, but it just seemed that someone always needed shoes, someone needed medical care, or the house needed some kind of repair. And, of course, there was additional stuff like parts falling off cars or tires needing replacement. We were living paycheck to paycheck, and that credit was just so easy to get – I think at one point I had almost every major credit card on the market.
Somehow I managed to meet the minimum monthly…
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Cordelia's Mom, Still 