The real takeaway from this article is that it's probably useless to attempt to preempt hypothetical criticism in your last paragraph.
@Amasa Amos@facebook I literally just laughed out loud.
@myrna.minkoff Me, I literally cringed.
@Sarah H. (sorry, I have more to say) ESPECIALLY because Logan has reached the point where she realizes that her credit card debt isn't a great thing, that she needs to buckle down and start paying it back and that she has to re-think her attitude about money and consumerism and such. She is an adult and thus can handle honesty and the truth about her financial situation, but Greg was basically treating her like a stupid child who had never heard that debt JUST MIGHT be a bad thing. Ugh.
Logan and I have obviously talked to each other about her debt a lot. I think credit cards are good that they can allow you to do something you otherwise couldn't do—like visit your family in another country before life prevents you from doing that. That's something my parents did when I was in the second grade. I took a week off of school to fly across the world to see my grandmother (my father's mom). I remember that she hugged me for the longest time and said, "I am so glad I got to see you with my own very eyes, and I wish you grandfather was alive to see you too." She was a lovely woman, and it was the first and last time I would see her. She died soon after. My parents put that trip on a credit card, but they made plans to pay it off. And they did, and although I'm sure they paid a little bit of interest, they still paid it off. Credit cards can be good that way. I don't think they're good when you're charging things to have a bunch of good experiences, but don't have a plan to pay off that debt besides, "Oh, I'll just pay this off eventually." Experiences are good. It's worth it to pay for them. It's why people do things like save money for weddings and vacations and doing that thing you've always dreamed about doing. I'm for that. But I'm not for it when it puts you in a debt spiral. I've seen how depressed Logan has gotten about her debt. And I don't want her to be depressed, and I'm going to help her figure it out. I think once she gets into a place where she can put things on a credit card and pay the debt off in a reasonable amount of time, she'll see that she can still live the life she wants to live without the depression that comes with all that messy debt.
@cbrownson Greg's not my favorite either: Born on third base, thinks he hit a triple. It's easy to brag about being debt-free when your parents are picking up the tab for everything and put your bar-mitzvah money into a brokerage account.
Logan you are going to do fine and we will help you and it will be great! I am excited for you!
Logan, I can't tell you how strangely comforting I found this. Generally when I hear people talk about their credit card debt, I feel even worse because they are so horrified with how much they owe but it's usually around $5000 if not less, whereas I currently have about $18000 in credit card debit and am only 23. I haven't really got much to show for it either. There are some car repairs in there and some travel, probably a few pairs of shoes but the rest of it is mundane things like make up and taxi rides which I'm sure I wouldn't have missed had I just not had them. It's only recently that this has really started bothering me. I thought it was all part of being in your 20s, being a student and not really having your life worked out yet and that I would just pay it all back once I graduated and got a "real job". But now I am seeing what a big impact it really has on my life. There are so many things my friends can do which I can't do because I have that debt to pay. I can't afford to move to a nicer place, I can't get a new car because I wouldn't be able to afford the repayments (or be approved for the loan), I can't take 6 months or a year out of my life after I graduate and roam around the world like some of my friends have been able to do. Like you the reasons I got myself into this situation are varied and complicated (living beyond my means and a lack of self control are just the beginning) but the time has come to get serious about paying off my debt so that I can put it behind me. You do it and I'll do it.
"popcorn gif joke"