23
Jan

Now here is a smart man. I just hope I had had this wisdom a few years back. All in all, to get back to zero credit, I had to pay back four months salary. Just imagine what a drain that can be. It took me over a year to come out it, when I’d spent it all in just about three months.

Though now, I can say that I’m much smarter about using credit. My money is still going out as fast as it is coming in, (and it’s not coming in really fast :-S ), but I am sure I cannot fall below zero anymore. That may not seem to be an improvement for those who have learnt how to save up, but it is definitely for me.

Over time I have realized, that I’m never going to be one of those saving types. The only way, I would be able to manage, is if the money keep coming in fast enough. So there are only two ways out. One is if some old relative remembers me while they write their will or I get this business to run. Right now, both of them seem to be really far away.


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