It’s overwhelming. Having more than one credit card is startling–at first. Then I would want to cringe as though I can see myself reprimanding the carelessly-spendthrift side of me. Perhaps wielding credit cards in December is such a bad idea after all. Or is it my lack of knowledge is the worst. As a result, I handle it quite destructively that it cuts my conviction of sticking to the budget like a warrior’s sword.
Enough of aimless reprimand. I’ll make sure we all can learn from such neglect. I shouldn’t spend that much in buying gifts which isn’t the main culprit. In this season of giving, I also used my Amazon.ca Rewards Visa Card in buying stuff that I should have bought months ago; I keep on waiting for the right deal and having credit cards make it easier and probable. What further urged me in using my new credit card is the accumulation of points in every use whether in amazon.ca and stores. And as I use the cards I realize how hard it is to track all the expenses. Luckily, I wouldn’t have to pay all at once since I still have to wait for the bill in the mailbox. Still, I have to pay all the expenses down to the last loonie I owe that is if I don’t want to ruin my good credit score. Back then, I was only using one card.
Holidays will be over. (Why do I sound like Ebony Scrooge all of a sudden?) I’m going to deal with the bills no matter how painful it is for my budget. And I wouldn’t definitely not regret of giving gifts. The lack of discipline and knowledge are something I can make up for but I wouldn’t let it spoil the spirit of Christmas.