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Sometimes paying for goods is a real headache; and PAIN! Be it necessary things, or things you really want, but not important at all. And I have to admit, aku selalu yang teramat sangat berbelanja utk perkara yang tak penting, then aku menyesal.

Maybe I didn’t notice when my cash flows like niagara fall. Reason? Simple. Because I’m a frequent credit card user. Blame the technology and whatnots. Bukan salah aku oke. The expenses are abstract and we need to discipline ourselves to keep the $$$ in control. Compared to using cash, you see it when your wallets are getting thinner and it kinda freak you out. Kan?

Dulu, aku bercita-cita tinggi oke. Iaitu tidak mahu menggunakan credit card dan hanya berserah kepada takdir macam hidup di zaman purba. But I found it veeeryyy difficult. Macam gila zaman batu lah. Eh but I tell you what, aku discipline ok. I spend when I know that i can afford it, and make sure I can pay full amount by the end of the month. Or at least baya 80% ke.Lol bagus kan. Ehhe. Sebab aku sangat percaya, if we use it wisely, we will get all the benefits and never will harm us!

  • Aku pakai sebab nak kumpul points and rebate. Haha. Because I treat credit card just like cash. Lepas swipe, aku baya balik. So atas angin je dapat points and rebate.
  • Another reason, if of course the safety issue. Walau apa pun tohmahan kepada credit card, admit that it is safer than to bring lots of cash along. Kan? Kalau kau kena rompak dan ada banayk cash, kem salam je lah if you wish to get back all the bucks. Tapi kalau credit kau yang kena rompak, just one phone call can prevent it from be used by penyangak itu kan. Provided kau sedar credit card tu hilang awal2 lagi lah ya. kalau dah sebulan baru sedar, too bad. Gigih la kau nak membayo debt org lain.
  • There is no limit in using credit card. Kalau kau asyik nak kuarkan cash, limit 4 kali je sebulan utk Maybank utk free withdrawal. Lepas tu, kau kene charge RM2 per withdrawal. Hehe, pakai credit card mana ada baya transaction. Lalala.
  • Senang la aku nak baya bills ke apa-apa mak nenek yang lain. And oh, beli tiket flight juga! Walaupun boleh je baya pakai CIMBclicks or Maybank2u and whatnots, tapi pakai credit card meow lagi kot. Please refer bullet no. 1. (Read : points)
  • Weyh, ada banyak rewards from credit card. Boleh dapat vacation lah, redeem itu dan ini. (Even though aku tak penah pun redeem apa-apa lagi, aku nak tulis jugak)

So pandai-pandailah kawal diri semasa meng-swipe oke! Never have this pemikiran of  ‘oh dah mmg ada debt in the cerdit card account, so marriii tambah lagi debt itu. Sebab dah alang-alang kan’.. Sila sepak (=tampar bukan tendang ) diri sendiri if you have this thought.

Toodles~

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