I dream of the time when I won’t have to use my credit card anymore. I dream of the time when I can just use my ATM or debit card to pay for my purchases. I dream for that time to come soon! Right now, I still depend on my one and only credit card (I used to have three) for when I travel (for plane tickets and hotel accommodations), shop (for big, expensive items only) and dine out (occasionally).
On a related note, I’m very glad about the recent development in my credit card use. I am now credit card debt-free! Yes, you read that right. And I plan to make it for good. This means no more impulsive shopping for me. This means no more shopping when financial blessings are about to be received (hello bonuses!) or when expecting that extra income from my “sidelines.”
Posted in Be Inspired, Money and Savings, Personal Finance
Tagged accumulated credit card debts, credit card charges, credit card management, credit card promos, dealing with credit card debts, debt-free, how to be credit card debt-free, how to use credit cards wisely, living in debts no more, living with credit cards, managing credit cards, no credit card debts, personal finance articles, tips to pay off credit card debts
I normally don’t make Friday plans because this is the time we go home in Bacoor. Unless of course the hubby and I have a date or a meet-up with friends. The last time I went out on a Friday night, I was with the hubby and some friends pigging out at Midnight Mercato in BGC, Taguig.
Today, being a Friday, is a bit different, though. We have visitors who flew in from Bohol (the hubby’s province) and need to be shown around the city. They are municipal councilors and they’re here to attend a conference. The PILs’ suggestion was to take them to Mall of Asia (MOA) and choose from one of the buffet restaurants (e.g. Yakimix, Buffet 101, Vikings, Sakae Sushi, Cabalen, etc.) there for dinner. After that, we could just show them the many attractions within and around the mall complex at night. Alright then, MOA it is!
For the first time in my life, I didn’t feel happy after knowing that Citibank has just given me a line increase. I used to get excited whenever I’d get a surprise like this from credit card companies. I remember when I first landed a job after college, all I wanted to do was apply for a credit card. I even jumped for joy when I received my very first! Haha. (Obviously, I know better now.)
excerpt from the email I received from Citibank
From P45,000, my card’s credit limit is now P55,000. For some people who have cards with credit limit as high as P100,000 or more, this amount is small. But I guess I’m okay with a small credit limit. (My first card only had P15,000.) I’ve never really bothered to ask for a bigger credit limit even if I’m very much qualified now with my higher annual income.
Posted in Shopping and Product Reviews
Tagged Citibank, Citibank cardholder, Citibank experience, Citibank promos, credit cards, credit limit, credit line increase, less shopping, more shopping, shopping, shopping ban, shopping fast