Closed out three minor accounts that do NOTHING but take fees and such. Thinking about closing out the rest but the dings would appear on the credit report. Who cares? I have no MAJOR life changes or desire to obtain more junk, which would require a credit check.
Everything is already a blessing for now. I live in a nice home with loving parents and cute parakeets, the garden is spacious, the neighborhood is normal and everything else is paid off. But NONE of it is out of MY hard work but my parents! But our health is waning.
You know what folks? People are basically selfish, greedy, overweight idiots, who love to hit their heads with the hammer of debt. Why get credit when there is NO cash? What’s the point of establishing credit when there is no job, no income, no home, no mortgage, no children or other responsibilities or headaches that go along with relationships?
The best way to know how the money flows is through CASH ONLY. Whatever is in your dirty, cold, worn out hands AFTER paying the bills is good for emergency purposes or savings (like food, clothing and rent). Everything else is just a luxury good (like Kool-Aid, Pop-Tarts, Ding-Dongs, Ho-Hos, etc).
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