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babylm10

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B: Uh-huh
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A: but,
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B: Uh-huh,
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B: yeah,
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B: I I have, we have some, some friends that did the, exactly the same thing.
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B: They, uh, you know, they kind of overextended and borrowed and borrowed
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B: and finally they realized that they were, they were abusing them and weren't going to get out of the hole
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B: and they just cut them all up except for, for one they kept for emergencies
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B: and they're still paying away to get out of debt.
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A: Yeah.
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A: I know it.
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B: But, no,
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B: I did just the opposite.
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B: I, I guess I, I sort of followed in my, uh, parents' footsteps.
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B: I have quite a few of them.
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B: I use them continually,
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A: Uh-huh.
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B: but I, uh, I basically never charge anything I don't have the money in the bank to pay for.
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B: And, uh, and I always pay them off totally every month.
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A: Oh, is that right?
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B: Yeah.
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A: That's a, that's a good policy.
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B: Yeah,
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B: and it, you know, I mean, they, they're just a convenience for me.
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B: I don't have to get cash out of the bank,
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B: and I don't have to to be writing checks
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B: and and, uh,
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A: Yeah.
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A: Yeah,
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A: uh, sometimes I wish I had them,
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A: but in most cases, I'm glad I don't because I, you know, unfortunately I, I, I don't have the control you have
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B: Uh-huh.
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A: I wish I did,
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A: but but I don't.
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B: Yeah.
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A: Uh, and it, you know, it,
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A: I just don't want to get into that situation again,
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A: so we'll,
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B: Uh-huh.
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B: Yeah,
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B: I mean, it, it's easy,
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B: I mean, you don't have anything transferring, just a little signature,
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B: so what, you know
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A: Oh, that's it.
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A: See, and that's,
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A: even with my gas card you know, I find that I'll go in to get some gas
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B: Uh-huh.
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A: and I'll end up buying, you know, candy and drinks and you know, sweets and whatever,
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B: Right.
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A: and then at the end of the month I, you know, I get a bill
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A: and I'm thinking what did I get, that costs so much.
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B: Surprising.
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B: Yeah.
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A: And,
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B: Well, you know, but the,
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B: I mean, there are sort some inherent limits there,
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B: you're not going to, you're not going to run up a few thousand dollars for that,
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B: right.
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A: Yeah,
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A: that, that's true,
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A: but I can, I can certainly understand where
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B: Now I,
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A: You know,
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B: the thing that probably helps me most doing that is really, you know, uh, not so much discipline,
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B: I mean, well, I mean, you have sort of a discipline in general about finances,
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B: but, but I hate their, their rates so badly, I mean their interest rates so badly that I,
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A: Oh, yeah.
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A: Isn't it,
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A: that's unbelievable.
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A: How,
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A: let me ask you this.
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A: How, how old are you?
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B: I'm, uh, thirty-three.
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A: Thirty-three?
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B: Thirty-two,
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B: excuse me.
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A: Okay.
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A: You'll be thirty-three this year?
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B: Yeah.
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A: You want to be thirty-two as long as you can, huh.
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A: It's coming.
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B: Uh-huh.
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A: Yeah,
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A: I, I know what you mean about the interest rates. It's, uh, it's unbelievable.
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B: You know, I just, that just irritates me so much that, that I refuse to pay them interest
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B: and, and my wife recently, uh, decided she had to go to Brazil and was going to take off
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B: and, she's from there and and, uh, didn't really have the money,
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A: Uh-huh.
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B: but, you know, she could pay it off,
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B: and so I, sort of reluctantly let her put it on credit cards,
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B: but she's paying it,
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B: and, uh, I just won't do it.
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B: I mean, she's paying, I don't know, I don't know what per month, you know, forty, fifty dollars per month in interest
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A: Oh, jeez.
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B: and I just, you know, I just refuse to give it to them.
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B: If I need to borrow that kind of money, I'll go to the bank
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B: and, uh,
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A: Yeah,
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A: and then, you bet.
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B: You know.
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