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I applied for two store cards....

January 30th, 2009 at 09:36 pm

So I've been putting long hours at work...I've definately done more than my 40 hours a week but I'm not getting paid any more because I'm on salary. Frown Seeing how the economy is failing I do not expect any monetary rewards from my managers even through they know how hard I've been working.

So what do I do? I go shopping! I haven't been shopping in the past 4 months and that's hard for a shopping aficionado like me. I want to reward myself of course, I mean if no one else is going to do it then I might as well. So I'm in one of my favorite stores and I purchase $151.00 worth of items. The saleslady was kind enough to point out that I almost always shop here and I always pay in cash. Why don't I get a store card and pay it off with cash? Well that's a great idea, I thought at the time. I get reward points, coupons and discounts...so I take the plunge. I then realize that I intended to use my debit card that day because I do not carry $150 around when I didn't expect to be shopping.

Then I go to another store and after picking up much needed items for work...I mean I might as well be walking around in rags. I had about $200 worth of items (which were all on sale and were 4 outfits that worked well with other items in my closet). A nice clerk told me I could open a store card and save 20%. So I did and it was about $160.00 after.

After reflecting upon my purchases I know I tried to justify shopping to make myself feel better about being overworked and underpaid. I really wanted someone to show appreciation for all I did and still do at work, so I did it. Well, I love all the items I bought and I plan to pay the balance on the cards today.

I also got myself a manicure that day and it was totally worth it. I was doing my nails at home for the past three months to save a little extra but I need a pro every once in a while. Smile

Posted in Uncategorized | 4 Comments »

4 Responses to “I applied for two store cards....”

  1. whitestripe Says:
    January 30th, 2009 at 09:40 pm 1233351657
    1233351657

    as long as you have the money and are going to pay it off, there's nothing wrong with credit cards. that's my personal opinion anyway. people who think credit cards are evil, usually only think that way because they, or someone they know, have racked up huge amounts of debt on them.

  2. KellyB Says:
    January 30th, 2009 at 10:38 pm 1233355117
    1233355117

    Be VERY careful, I would say ONLY use those store cards if you actually have saved the money, and then pay them off IMMEDIATELY when you get them. Store cards are notorious for having really high finance charges (almost 30%!)

  3. mooshocker Says:
    January 31st, 2009 at 03:21 am 1233372119
    1233372119

    CUT THOSE CARDS UP RIGHT NOW! Splurging on yourself is NEVER a problem, even when you really don't have the extra money. We all need to reap a little of our hard work. But those cards will KILL you! God bless.

  4. fern Says:
    January 31st, 2009 at 07:41 pm 1233430877
    1233430877

    I think you got sucked into the classic store credit card thing. You may have hurt your credit a little by applying for 2 cards on the very same day. I agree with Kelly B., make sure you can pay the balance in full when you get the statements or you'll be shocked at the finance charges.

    Credit cards aren't bad in themselves, but you can easily get in trouble if you don't pay attention.

    Next time you feel the urge to splurge, maybe consider a nice hot bubble bath or a glass of wine. I know how you feel, i've done the same thing, but shopping sprees can be inflict more damage than you realize.

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