Why I don't have credit card?
I got a very nice thought for today (well as far as my point of view is concerned, I consider it "very nice"). Both me and my husband don't have credit card. He's been craving so much to have one, but I keep on discouraging him. Because I know how he handles cash. And it isn't very good. So I thought how bad it could be if it's credit? Consequently I gave him an ultimatum statement: If there's anything you want to buy, as long as you have the money to pay for it, then buy it in cash without any guilt. But if you can't buy it, then don't. Simplified. So no need to grab a credit card. Note that I said "without any guilt," because when I was younger, I had that guilt feeling whenever I buy something I didn't need at all. The guilt is that it was a bit expensive. That money I spent could be more useful into much important things. And I feel lucky that my husband somehow also has that "guilt-feeling thing" in spending (or ...