For Evaluate It by SQM Inspectors - Evaluate Facebook Evaluate Twitter

Keeping a Balance - Moving from Credit to Cash Featured

Rate this item
(0 votes)

As the holidays roll around, more and more people will be swiping their plastic credit cards to purchase gifts for everyone on their list. After working in the retail industry for a number of years, I often noticed an increase in the amount of people who would use credit cards during the holiday season. I mean, I totally understand circumstances where you may need your credit card to buy the necessities that you cannot immediately afford, like food, but it also provides a false sense of wealth in those who depend on it more than they should. Unlike the physical cash that you have in your wallet, credit from the bank is not tangible. The card in which the credit is kept may be tangible, but the “money” contained within it is not. Subconsciously, the lack of a physical barrier between us and the “cash” often promotes over-spending of money that we do not actually have. 

As consumers, this reality should prompt us to differentiate between the things that we need, and the things that we want. Unfortunately, credit cards help blur this line by assuring us that we do have the “money” to buy the things that we “want”. The result – thousands of people are plunged into a debt that can be very difficult to get out of. Suddenly, the television that you thought you could afford on credit, is not something that you can pay for in reality. Before making any purchase on credit that is not considered a “need”, make sure you can pay it off as soon as possible! The longer you go without paying it off, or at least paying the minimum, the more interest it will accumulate. Thus, it will be harder for you to pay down overtime. Failing to make payments will also affect your overall credit score, making it difficult to get a loan in the future.

The key to maintaining a good balance between your credit and cash expenditures is knowing the difference between a want, and a need. Ask yourself, based on your income, what can you afford strictly on cash? If your bill's take up most of your income, don't make outrageous purchases on credit. Since most of your cash will be tied up in bills, there will be none left to pay down the credit. Strike a good balance between the two so you don't loose everything to money that technically “doesn't exist”.

Read 255143 times Last modified on Monday, 09 December 2013 22:10
Monday, 09 December 2013 22:00

14099 comments

  • Comment Link dostavka_ciKn Tuesday, 09 September 2025 20:02 dostavka_ciKn

    Оцените нашу новая москва доставка алкоголя во время вашего следующего праздника!
    Услуга доставки алкоголя становится все более востребованной в современном обществе.. Теперь вы можете заказать алкоголь прямо к своему порогу, не выходя из дома.

    Многие компании предлагают разнообразные варианты доставки, включая алкогольные коктейли, вино и пиво.. Это позволяет каждому клиенту выбрать то, что ему по душе, и удобно заказать.Это предоставляет возможность каждому выбрать напиток, который ему нравится, и сделать заказ..

    Следует подчеркнуть, что такая услуга делает процесс покупки удобнее.. Теперь вам не нужно тратить время на походы в магазин, и вы можете экономить время..

    При выборе компании для заказа алкоголя на дом необходимо принять во внимание несколько ключевых аспектов. Ключевыми факторами являются уровень обслуживания, разнообразие продукции и время, необходимое для доставки.

  • Comment Link dostavka_fpEa Tuesday, 09 September 2025 19:45 dostavka_fpEa

    Закажите доставку алкоголя и наслаждайтесь любимыми напитками в любое время!
    Доставка алкоголя — это удобный и быстрый способ получить любимые напитки . В последнее время доставка алкоголя набирает популярность.

    Разнообразие алкогольных напитков приятно удивляет. Вы можете заказать как пиво, так и вино, а также крепкие напитки .

    Доставка алкоголя имеет множество плюсов. Главное преимущество — это возможность сэкономить время. Вы можете оставаться дома и не переживать о наличии алкоголя.

    Важно соблюдать правила, чтобы сделать процесс безопасным. Убедитесь, что выбираете проверенный сервис для доставки . Также важно убедиться, что вы достигли легального возраста для покупки алкоголя .

  • Comment Link dostavka_coEa Tuesday, 09 September 2025 19:29 dostavka_coEa

    Закажите доставку алкоголя круглосуточно и наслаждайтесь любимыми напитками в любое время!
    Доставка алкоголя — это удобный и быстрый способ получить любимые напитки . В последнее время доставка алкоголя набирает популярность.

    Разнообразие алкогольных напитков приятно удивляет. От пива до виски — вы сможете выбрать что угодно.

    Доставка алкоголя имеет множество плюсов. Первое — это экономия вашего времени . Вам не нужно тратить время на походы в магазин для покупки напитков .

    Не забывайте о безопасности при доставке алкоголя . Выбирайте только надежные службы доставки. Убедитесь, что вам больше 18 лет перед оформлением заказа .

  • Comment Link receive_zmor Tuesday, 09 September 2025 19:22 receive_zmor

    By using receive sms fast you can quickly and conveniently receive SMS without having to use a personal number.
    This trend is driven by various factors, including privacy concerns and convenience.

  • Comment Link receive_qkor Tuesday, 09 September 2025 19:07 receive_qkor

    By using temporary mobile number you can quickly and conveniently receive SMS without having to use a personal number.
    Addressing modern requirements, the benefits range from better privacy to worldwide access.

  • Comment Link temporary_hbMr Tuesday, 09 September 2025 19:04 temporary_hbMr

    Use our temporary phone, to quickly and easily receive SMS messages without having to provide your permanent number.
    Why You Should Consider a Temporary Phone Number have become increasingly popular in recent years. These numbers offer unique advantages, particularly in terms of safeguarding personal information. Many people are turning to this solution for various reasons, including online transactions and dating apps.

    One primary advantage of a virtual phone number is its ability to protect your identity. It allows you to communicate without revealing your personal information, which is especially useful in certain situations. For instance, if you're selling items online, a temporary number lets you communicate with buyers without exposing your personal details.

    Setting up a temporary phone number is usually straightforward. There are many apps and services available that can provide you with a temporary number quickly. These services vary, but most offer options for receiving calls and messages. The best part is that you can usually discard this number when you no longer need it.

    However, disposable phone numbers do come with certain constraints. For instance, some services may restrict the types of messages you can receive or the duration for which the number remains active. It's important to read the terms and conditions associated with any service you choose. Ultimately, weighing the pros and cons can help you determine whether a temporary phone number is right for you.

  • Comment Link temporary_wipl Tuesday, 09 September 2025 18:55 temporary_wipl

    To create an account in various services, you often need temp sms, which can help in keeping your personal information safe.
    The demand for temporary phone numbers has increased significantly because of their ability to protect user identities. This trend is particularly noticeable among those who frequently use online services, as temporary phone numbers can be used to verify accounts without revealing personal contact information. Online account verification is a common use for temporary phone numbers, providing an extra layer of privacy. Furthermore, temporary phone numbers can be used for a variety of purposes, including receiving SMS messages and making calls, all while keeping the user's real phone number hidden. The versatility of temporary phone numbers allows them to be used for receiving SMS, making calls, and more, all without exposing the user's actual number .

    In addition to their practical applications, temporary phone numbers have also become essential for individuals who value their privacy and wish to avoid unwanted communications. Temporary phone numbers are chosen by many as a way to safeguard their privacy and minimize unwanted communications . This is especially true in cases where personal contact information is required for services that may potentially misuse it. The potential for services to misuse personal contact information makes temporary phone numbers a more secure option. By using a temporary phone number, individuals can ensure that their real phone number remains confidential and is not shared with unwanted parties. Using a temporary phone number ensures that the real phone number remains confidential and is not shared with unwanted parties .

    Benefits of Temporary Phone Numbers
    The benefits of temporary phone numbers are multifaceted, ranging from enhanced privacy to convenience. Temporary phone numbers provide a significant benefit in terms of privacy enhancement . This is particularly beneficial for individuals who are concerned about their personal information being accessed by unauthorized parties. Individuals concerned about the privacy of their personal information find temporary phone numbers to be particularly beneficial . Additionally, temporary phone numbers can be easily discarded and replaced, making them ideal for short-term use. Temporary phone numbers can be easily discarded and replaced when no longer needed, making them perfect for short-term use .

    Another significant benefit of temporary phone numbers is their ability to prevent spam and unwanted communications. Temporary phone numbers are effective in preventing spam and unwanted communications from reaching the user . By using a temporary phone number, individuals can significantly reduce the amount of unwanted calls and messages they receive. Temporary phone numbers help in reducing the volume of unwanted communications, including calls and messages . This not only enhances the user's privacy but also reduces the risk of falling victim to scams and phishing attempts. The reduction in unwanted communications achieved through temporary phone numbers also lowers the risk of being targeted by scams and phishing attacks.

    Applications of Temporary Phone Numbers
    Temporary phone numbers have a wide range of applications, from personal use to business applications. The applications of temporary phone numbers are diverse, ranging from personal to commercial use . For personal use, temporary phone numbers can be used to sign up for services that require a phone number for verification, without having to provide a real phone number. Temporary phone numbers can be used for personal purposes, such as signing up for services that require phone number verification . This is particularly useful for individuals who are concerned about their privacy and do not want to receive unwanted communications. This is particularly useful for individuals who are concerned about their privacy and wish to avoid unwanted communications .

    In business applications, temporary phone numbers can be used to provide customer support without revealing the company's main contact information. Temporary phone numbers can be used by businesses to provide customer support without disclosing their primary contact details . This can help in maintaining the privacy of the company's internal communications and preventing unwanted solicitations. The use of temporary phone numbers for customer support helps businesses maintain the privacy of their internal communications and reduces unwanted solicitations . Furthermore, temporary phone numbers can be used for marketing campaigns, allowing businesses to track the effectiveness of their advertisements without compromising their main phone number. Businesses use temporary phone numbers for marketing purposes, enabling them to monitor the success of their campaigns without exposing their primary phone number .

    Conclusion and Future of Temporary Phone Numbers
    In conclusion, temporary phone numbers have become an essential tool for both personal and business use, offering a range of benefits from enhanced privacy to convenience. The conclusion is that temporary phone numbers have become indispensable for personal and commercial use, providing benefits like increased privacy and convenience. As the demand for privacy and security continues to grow, the use of temporary phone numbers is expected to increase. As the demand for privacy and security continues to grow, the use of temporary phone numbers is anticipated to rise .

    The future of temporary phone numbers looks promising, with advancements in technology expected to further enhance their functionality and accessibility. The outlook for temporary phone numbers is favorable, with anticipated technological advancements aimed at boosting their functionality and ease of access. As more individuals and businesses become aware of the benefits of temporary phone numbers, their adoption is likely to become more widespread. The increased awareness of the benefits of temporary phone numbers among individuals and businesses is expected to lead to their more extensive use . This, in turn, is expected to drive innovation in the field, leading to the development of more sophisticated and user-friendly temporary phone number services. The increased adoption of temporary phone numbers is anticipated to spur innovation, resulting in the creation of more advanced and user-friendly temporary phone number solutions .

  • Comment Link next_js_tmmr Tuesday, 09 September 2025 18:54 next_js_tmmr

    Looking for an experienced next.js performance optimization for your project?
    The Next.js framework is gaining popularity among developers. This JavaScript framework provides numerous benefits for building server-rendered applications.

    First and foremost, Next.js includes automatic code splitting, which enhances the efficiency of applications. This functionality ensures that only the code required for a specific page is loaded, resulting in quicker loading times.

    The built-in routing feature in Next.js streamlines the navigation process. Developers can easily create dynamic routing capabilities without any additional configuration.

    Another aspect worth noting is the robust Next.js community that offers extensive support. Many resources, including forums and tutorials, are accessible to help developers tackle issues.

  • Comment Link temporary_nnMr Tuesday, 09 September 2025 18:49 temporary_nnMr

    Use our temporary sms, to quickly and easily receive SMS messages without having to provide your permanent number.
    The Benefits of Using a Temporary Phone Number have become increasingly popular in recent years. These numbers offer unique advantages, particularly in terms of safeguarding personal information. Many people are turning to this solution for various reasons, including online transactions and dating apps.

    One primary advantage of a virtual phone number is its ability to protect your identity. It allows you to communicate without revealing your personal information, which is especially useful in certain situations. For instance, if you're selling items online, a temporary number lets you communicate with buyers without exposing your personal details.

    Getting a virtual phone number often takes just a few minutes. There are many apps and services available that can provide you with a temporary number quickly. Once you choose a service, you will often receive a random number that you can use for a limited time. The best part is that you can usually discard this number when you no longer need it.

    However, there are some drawbacks to using these numbers. For instance, some services may restrict the types of messages you can receive or the duration for which the number remains active. It's important to read the terms and conditions associated with any service you choose. Ultimately, weighing the pros and cons can help you determine whether a temporary phone number is right for you.

  • Comment Link next_js_ykmr Tuesday, 09 September 2025 18:38 next_js_ykmr

    Looking for an experienced next.js performance optimization for your project?
    The Next.js framework is gaining popularity among developers. This JavaScript framework provides numerous benefits for building server-rendered applications.

    To begin, Next.js allows developers to create applications with automatic code splitting. This functionality ensures that only the code required for a specific page is loaded, resulting in quicker loading times.

    Next.js also simplifies routing with its built-in system. Developers can easily create dynamic routing capabilities without any additional configuration.

    In addition to features, the Next.js community is vibrant and supportive. A plethora of documentation and community forums are available, making it easier for developers to resolve their queries.

Leave a Reply