Tuesday, March 13, 2012

CREDIT JAM, ANYONE?

How often do you think that sometimes you are a lame old lemon? As humans, it is in our nature to be bitter and if you will, tangy of sorts - assuming that one can taste you....I won't be the judge of that...I will just merely comment.

We live life for different reasons - some for the wrong reasons - but again I won't comment on that. I have realized that as a black person you have to find your voice. One that exalts you from the darkness of this world and give you wings - almost as the Red Bull ads 'do'.

Sometimes the misfortunes that we have are another man's blessings....believe it or not! Imagine tearing your hair out or shouting at your little five year old daughter because of 'high stress'. Why? You have maxed your credit and the interest is SKY HIGH! What did you purchase?

Oh - just a lovely, sleek 42" flat screen TV that you saw being advertised on HGTV the other day and of course, you had to pay for that long overdue vacation to Europe. Afterall, you have been dying to go to Europe since you were a high school senior and suddenly, THE CREDIT CARD MADE ALL YOUR DREAMS COME THROUGH!

This discussion deserves a cigarette right or should I say a tequila shot?

Suddenly the euphoria has waned off from that obsessive spending and now you have to deal with the jarring hang over of a massive credit card bill. One that doesn't even compare to a fraction of what you have left to spend from your monthly salary. Now was that flat screen worth it? Did the trip turn out to be all that it was? How do you stop those compulsive bankers from calling?

Oh just shut it! I spent the money for a good cause - right? I really needed these items; I deserved them - to hell I have been working all my life and I needed a break geesh!

Now you are down to setting pen to paper....or fingers to keyboard...whatever the hell it is, you have to reign this bill in.

You take the religious swear and exorcise yourself of the guilt - I WILL NEVER GET MYSELF in this again. But do you?

Three months has passed...four months....five turn into six and maybe even a year...then you feel really happy. You have been doing good, your phone has stopped ringing and your finances are under tight control. After all, you have to manage them with an iron fist. But out of the blues comes that really great promotion you've been waiting for all year. Now I have to look the part - feh!

You are in the 'big boys' club now...a luxury car is needed....high end suits...a change of hangout scenes...well basically a perfect fit in to the 'big boys' club. Where does this save haven of cash come from? Your credit card of course.

Credit jam, anyone?