[wtk]

To me it seems like a lot of people enjoy having things more than being free and not having to worry about getting paid. Also 'spend less than you earn'. As simple as that - yet people struggle to follow this. It also boggled my mind to find that someone with masters degree believed they had money - despite it being cash withdrawn from a credit card. When challenged why do they not pay back their credit card - I heard it's the feeling of empty account, and that money is for -just in case-. Yeah, you are paying % monthly on that just in case, that you could get from a credit card if it really happened. That $ on the account also was affecting that person's spending habits - thanks to the avoidance the feeling of being out of money. Crazy - money illiteracy is real.

[wruza]

I don’t understand. Cashing out a CC, paying fees, avoiding being out of money and having $ on the account - these statements mixed together make no sense to me.

[wtk]

Sorry, I mixed up one thing: Paid for things with credit card. Got paid salary on current account but not paying back credit card out of fear of having 0 on current account. Paying fees while the money on current account just sits there, making that person believe to not be broke. Ridiculous