I'm running out of ways to solve our chronic problems with cash flow.
As a kid, Christmas in my house was a magical event. My mom went to great lengths to keep us believing in Santa by splashing intricate decorations on every wall and allowing us to make extremely long wish lists. I was also born on December 25I only just started to notice how anxious my dad got about mom’s holiday spending when I entered the teen years.
And then there were the mornings when my dad would leave a messy pile of crinkled dollars on the table as allowance for my mom while she stayed home with the three of us. My parents didn’t share a checking account, and my mother had no clue how much my father was making, except that she knew he was earning enough to fund a comfortable lifestyle. We were by no means rich, but we certainly weren’t poor.
Because of my childhood memories, I spent so many years terrified to sign up for a single credit card or even research how to responsibly use one. But in my previous marriage, I wasn’t making enough to pay for extra things like plane tickets so I could fly back East and visit my family. Just before I turned 30, I tentatively decided to open a line of credit.
I would not recommend this way of living for the faint of heart. But I also want to point out that all is not lost.
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