and you can imagine the situation.

your paycheck provides more or less predictable amount each month, except, of course, the annual increments and incentives walks. Prohibition of occasional windfalls to know exactly what the money on your property every month. This is your actual buying power.

credit card gives you at least twice that of your paycheck as a credit limit. If you have a credit card ten o'clock, normal by today's standards, the credit limit is twenty times to get your paycheck. This is a huge amount of money to have instant access. If you do this as their real purchasing power, then you're in trouble - big, deep and thick. You have to remember that this is just hypothetical situations, depending on your credit rating or credit worthiness. In fact, it is an illusory power they could never afford to fully realize.

This is the absolute freedom of the ubiquitous credit cards that you should always be careful. Temptations are only natural in such a situation. You are encouraged, cozy, and carried the electrified such great power lies dormant in your purse. power that can be used immediately, anytime, anywhere.

Temptations come mainly in terms of shopping calls. Purchase of supplies is not a problem because invoices for a small part of your paycheck. You can buy these items on the cards and pay the full fee each month. There is no additional cost. Problems come in other forms of purchase or purchases.

Today, consumerism, and modern times you irrationally in your shopping cart action. You sense of competition to go for the latest and updated products. For example, although your goal is well served by the basic cell phone you have to go to the most advanced model, without most of its functions, and in the bargain you shell out a significant portion of your money. This applies to all other electronic devices, and durable. This is something that simply can not control if you really want to avoid the trap.

insidious forms of compulsive buying and impulse buying. Although, sometimes it can be intermittent and well under control, compulsive buying something to guard against. When people are buying far more than they need and buy things they would never use in life then you might be suffering from drug addiction called oniomania or compulsive buying. Oniomania usually occurs in cycles of depression, emotional distress, or plain boredom. Oniomaniacs get 'high ' of such shopping and feel guilty the next moment you start re-appearance of depression, and that in turn moves another orgy of shopping. Some medical experts dismiss this as just irresponsible financial behavior and refuse to accept this dependence as a mental disorder. But the problem is more serious. Studies show that more than 10% of the adult population has a tendency towards this addiction. If allowed to go unchecked it could land in thousands of dollars in debt and financially devastated. If the symptoms of addiction observed or suspected medical advisors or psychiatrists should be consulted immediately.

impulse buying means an unplanned or spontaneous purchases. You can go to the supermarket to buy a particular item, but you take a fancy to the many numerous objects displayed there, and buy things that you never planned. Or the innocent evening stroll with her ​​husband, you or your wife sees something and is drawn to him. Aware of the immense power hidden innocuously in your pocket and make a decision and buy the product just is not rational for your current financial situation. Sometimes the impulse buying could go to purchase a car or even at home. Right, they immediately appreciate, but later, you are most likely to be crucified by your credit card bills. Our suggestion is to walk on such best you can afford is to have a nice sumptuous dinner in the village both want. Yes, the good news is that impulse buying is something you simply can not control.

You will always have in mind one point. A credit card gives you tremendous freedom and opportunities to buy buy buy. But in the end you have to pay for the same paycheck you earn each month. So many of us complain to the inside or friends, 'I really decent wage. If not for a number of parts to go out without exceptions for card payments'd managed to fully enjoy life and make at least 30% savings each month as well. But when I get my full paycheck at my disposal ?'

get free from credit card to the freedom given to them completely.

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