I have a friend who is a cash-heavy shopper. She has been a cash-heavy shopper for a while now and you would think that would be enough to have someone in her shop buy her a new pair of socks, but she insists on buying all her socks again and again just to make sure they are as good as new. She is a hoarder and will only buy something if she really needs it.
I think the one thing that has always annoyed me about cash-heavy shopper is that they think they can “earn” a new pair of socks with every purchase. That’s how it feels to me.
And that’s the problem with hoarding. The problem with hoarding is that once you buy something you don’t actually need, its value drops to zero overnight and you are still on top of the pile. But hey, its still better than nothing.
Its always hard for a cash-phobic to see the value in not buying things that you really don’t need, but once you do realize that the only time you’re really out of it is when you have nothing to eat, a day at the spa, or a drink at the club, it becomes even harder to stop buying something you have no use for.
At any time, if you are not using your credit or debit cards every single day, it is very possible that your credit or debit cards will be overdrawn. You might be a bad credit risk because you probably have a lot of things you dont need to spend on. Or you might be a bad credit risk because you could be overdrawn on things you do need.
So if you have a lot of things you dont use, you would likely want to limit the use of your cards, and you would also want to be careful about which cards you use. To keep your credit and debit card bills down, there are several ways to do this, but they all have one thing in common: they should be free. If you are using a card for only one thing, then there is no reason to spend money on other things that you dont need to.
To make things a bit more complicated, the average credit card will ask for a balance every month, and you will still need to pay for other things, so it is important to only use credit cards for something you really need. However, it is possible to have your cards paid for with a credit card and still be able to use them for things you need, but are not currently using.
That’s where cash short and over comes in. You can use your card when you want to, and pay for things you dont need, but you will still need to spend money you dont need to pay for. It’s a convenient way to save when you only need to pay for certain things for a while, but it works best if you only pay off the balance every month.
If you have a card, like a Visa, Mastercard, or American Express, you can pay for online purchases with the card. When you pay for something using your credit card, you automatically pay for the balance using your card. If you don’t pay off the balance every month for your card, you will have a balance that is higher than your credit limit and that will not be eligible for a credit card.
In general, you should set a due date for your credit limit before you ever pay off your card.