You need something but you don't have enough money...

Indonesia
October 23, 2006 8:23am CST
Buy it with credit card or wait until you have enough money? I'll wait..what about you?
2 people like this
42 responses
@Avichail (694)
• Indonesia
24 Oct 06
Maybe the preliminary question would be "Do I really need the thing and why?" It is always best that we are not in debt for anything. Maybe when you don't have enough money to make the purchase at that moment is actually the way to help you not to get involved in something that you can deal with later.
1 person likes this
@Avichail (694)
• Indonesia
24 Oct 06
I mean "..cannot deal with later..."
• Indonesia
16 Nov 06
Good question. Thanks for the response. I really appreciate it.
1 person likes this
@Avichail (694)
• Indonesia
1 May 07
I just read a story about how John Wesley used his earnings. Although his earnings were getting up, his spending was kept the same and it was his donation for God's works that increased. It awakened me that perhaps the better question would be, "Would you spend more if you have more?" I think the heavier responsibility is not how to stay free from debts, but how to use every cent responsibly. When we have more, we are asked to be more responsible. But I disagree a bit on Wesley's story because God does not prevent us to use more money for ourselves, as long as we are being responsible. I have a friend who is a Zen follower and his thinking is to use worn-out clothing, used items to free him from wanting more of material things. It doesn't work that way, does it?!
@kakuemmom (862)
• Canada
18 Nov 06
I got rid of my credit cards about 6 years ago. They were to easy to use but real hard to pay. I am totally out of debt now. My motto is if i don't have the money i don't buy it. It has not been that hard to follow. I save the money up if its a big purchase then i have the satisfaction of knowing i don't owe on it. Xmas is great now I start shopping in the summer so its not a big financial thing nearer christmas. Then after christmas no bills I LOVE THAT
• Indonesia
18 Nov 06
That's wonderful. Easy consume but hard pay. Thanks for sharing it. I really appreciate your experience.
• Canada
18 Nov 06
your welcome
@tusharb (3159)
• India
18 Nov 06
me too..
• Indonesia
18 Nov 06
That's good. Thanks for the opinion. I really appreciate it. But, I think you won't have money from saying me too. Have you read the terms and the new myLot rules? Just give a quality response.
@blueman (16513)
• India
18 Nov 06
me too I'll wait.
• Indonesia
18 Nov 06
That's good. Just wait. Thanks for the opinion. I really appreciate it.
@ashutoshgl (1446)
• United States
18 Nov 06
i dont lk being in debt...if its nt very imp...i wll rather lk to wait untill i hv sm money............
• Indonesia
18 Nov 06
That's good. We always want a healthy financial. Thanks for the opinion. I really appreciate it.
@toonatoons (3739)
• Philippines
18 Nov 06
if it's really urgent, i'll use my credit card. but if it isn't that important to me, then, perhaps, it's not for me to buy it in the first place.
• Indonesia
18 Nov 06
That's good. Thanks for the opinion. I really appreciate it.
• United States
18 Nov 06
I agree, if i don't have the money to buy sometihing, then i save till i do or simply don't buy it. Credit card companys are the devil!!! I have never had one and never will!!! I really wish they would stop sending me those credit cards in the mail too, they are just wasting trees!
• Indonesia
18 Nov 06
I really appreciate your opinion. Sometimes in the great advantage there must be a great danger. that's a credit card. I don't think the companies are devil, tough they usually looks like it. Thanks for the opinion.
@vincent72 (1634)
• Australia
18 Nov 06
If i cannot afford it i wont buy it , i have many credit cards but really dont use them. If ihave no cash on me i wont buy.
• Indonesia
18 Nov 06
That's good. But, why you have some credit cards? What for? Thanks for the opinion. I really appreciate it.
• United States
18 Nov 06
depends on how bad i want or need it. credit cards are great right?
• Indonesia
18 Nov 06
I really appreciate your opinion. But I don't think credit cards are great. There must be a good thing on it, but it's not the great thing. Just pay cash. It's better that credit.
• United States
18 Nov 06
there is this talk radio guy named John Ramsey who says that credit cards are bad and you shouldnt even have one and i t hink i tend to agree with him i refuse to carry one or even get one and when we need something depending on the severity of it we tend to n ot buy it unless it is an absolute need
• Indonesia
18 Nov 06
He must have a reason for saying it. That's good. Thanks for the information. I really appreciate it.
@zgb_0001 (1383)
• Pakistan
18 Nov 06
waite,only wait.
• Indonesia
18 Nov 06
that's good. Thanks for the opinion. I really appreciate it.
@istanto (8571)
• Indonesia
18 Nov 06
I will wait until I have the money.
• Indonesia
18 Nov 06
Yup.. that's good. Thanks for the opinion. I really appreciate it.
@Sir_bobby88 (8244)
• Singapore
18 Nov 06
I work hard to earn more money to buy it ^_^ then to use credit card =P Using credit card without money could make you a card slave
• Indonesia
18 Nov 06
I agree with your card slave..It's a nice word. Thanks for the opinion. I really appreciate it. We are the slaves of God.
• United States
17 Nov 06
I would wait, because I don't have a credit card...
• Indonesia
18 Nov 06
That's good. thanks for the opinion. I really appreciate it.
@stru9559 (634)
• United States
17 Nov 06
wait until you have money! If you keep on charing things then you'll NEVER have enough money to pay off your credit card!
• Indonesia
18 Nov 06
That's true. Everyone who has a credit card must read it. Thanks for the opinion. I really appreciate it.
@kylesmiles (1913)
• United States
17 Nov 06
My main thing is paying my bills. My bills come first. If I really need something, it's probably not a necessity for me. I'd rather buy formula or diapers or even food for my son, then something for myself.
• Indonesia
18 Nov 06
So you are depending on your card. Thanks for sharing it. It's lovely. I really appreciate it.
@Kelian (768)
• Trinidad And Tobago
17 Nov 06
I would wait until I’ve saved the money. I am trying to avoid debt for as long as possible. In the US however, I think you need a credit card as an emergency backup, and it’s good to use it every so often to create a good credit history. Because you can’t buy a house or car or anything major in the US if you don’t have a credit history.
• Indonesia
18 Nov 06
That's true. I think Credit card has conquered US. Thanks for the opinion and the information too. I really appreciate it.
@chukwudi (1100)
• Nigeria
17 Nov 06
i will wait until i have money
• Indonesia
18 Nov 06
That's good. Just wait. Thanks for the opinion. I really appreciate it.
• Philippines
17 Nov 06
If it's emergency requirement like medicines, food, school requirements, etc. I use credit card. Otherwise, I save the money first then buy it.
• Indonesia
17 Nov 06
That's great. Thanks for sharing it. I really appreciate it.
@durenman (143)
• Indonesia
17 Nov 06
Hmmm. If I have a credit card. I would use it. But I don't have it. So, I will wait..
• Indonesia
17 Nov 06
That's good. Just waiting. Thanks for the opinion. I really appreciate it.