There is good debt and bad debt. Good debt makes 
you money, like using money to invest in real 
estate or something...then bad debt to where you 
buy "things" for yourself. Well, as my papie 
always said: "Never spend money you don't have"

And well, as a younger version of myself, got 
into bad debt taking too many trips with credit 
cards and now I have to make up for it. It might 
seem like a prize for the time being, but in the 
long run, they ruin your life. I never bought a 
cel with a credit card and would never think 
about it. At least I don't think I have, just 
coming from my bank account is most. I'm saying 
this coming from a position where I don't have a 
job now...going to school, sorta get odd work 
that is unstable...but...well...I got a credit 
card, intending to pay it off later...now it's 
later and harder.

Anyway, my experience. My mistake, I hope I can 
fix it. I guess a lot of people fall for the 
lovely credit card. On the outside, it's pretty, 
but I swear, I am wiser now than when I was 
younger and would have done different. But what 
do they say...? Ah, well, forgot, but anyway 
sometimes life gives you lessons to learn so you 
don't ever do them again. I've experienced the 
downfall of them.

BTW, I'm glad I didn't buy a cel with a credit 
card of money I didn't have-maybe once, but it 
made me sick a bit inside. That would be scary, 
my debt is already bad enough! If I sold all my 
cels in my whole collection I'd pay maybe it all 
off. Go figure I guess...