LIE: It’s my fault I’m in so much credit card debt.
TRUTH: The truth is, the system is designed to put us in debt. The system relies on us being in debt. Who remembers the stimulus plan? Does anyone also remember the point of the stimulus plan? I can tell you right off the top of my head, the point was NOT to get you to put that money into a savings account for the future. I can tell you right off the top of my head that the point was to get you to spend that money on TVs and cars and clothes and other junks you don’t really need.
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Here’s another reason to avoid store cards (as if you needed one). So this happened to me a few months ago. I had canceled a store card from awhile ago, a really long time ago, probably at least two years ago. I had cut it up. I didn’t use that card anymore. Then, I get a bill from the store for $250.
Eh?
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So I cut up my Victoria’s secret card, and I call up the company, and all I get in response is b.s. I’m not asking for much here, I’m just asking they close my account. It’s like pulling teeth with these companies. They’ll do anything humanly possible to prevent you from closing down a card. They keep asking me, “Why why why why why why?” like they’re some forlorn lover wondering why I won’t go out to prom with him. I half expected the guy on the other end to start crying. I had flashbacks to senior year of highschool, when I broke up with my first boyfriend. I almost felt bad for the guy.
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So I’m watching some business, finance show on TV, and this so-called expert goes on and says “if Americans don’t spend enough this holiday season, we could see a market crash.”
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According to the National Retail Federation, more consumers than last year are turning to cash this holiday season. Almost 25% of consumers plan on using cash only this holiday season to pay for gifts.
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