The Problem with People in Debt

This is a mini-rant that only applies to SOME people. I’m only mentioning it because I know people in this situation.

The problem with certain people in debt is that they pay their unnecessary bills first before taking care of their necessities.

Perfect example: Someone goes out to buy a new xbox controller with the last $100 they had in their account, and 2 days later they need food or to pay the electricity. They deem that an “emergency” so they use credit to pay it off. This is called ass backwards thinking. The problem is you can make anything an “emergency”, and the food and electricity should have been forseen and taken care of with your own money. Obviously the xbox controller isn’t an emergency, so you do without. What a pity.

Another example is going out to buy a new video game or new jewelry before paying rent. I don’t know why some people think this way, it’s completely backwards.

Who cares about the credit cards anyway, seriously. Buy your diapers, food, pay your utilities and rent, THEN worry about the damn credit cards. So what if you get bad credit. I had bad credit. I had 525 credit score in 2005. You can FIX that. I have a 700 credit score right now. You don’t need to be going out and buying anything that looks at your credit score anytime soon anyway if you’re buried in debt and can barely get by.

Necessities first, credit cards last. It’s a process that requires dedication and time. And of course not using your credit cards anymore as your emergency fund and learning what real emergencies are.