[Janelle]

You’re right, credit cards are far too easy to get, and far too easy to use. I’ve never owned one myself, but my boyfriend has one that’s maxed out. (he went to Florida for a Tae-Kwon Do tournamnet). Thre’s many reasons we have bad credit. I myself made the mistake of letting my dad handle all my finances until recently. I got a call from a collection agency saying I hadn’t paid a dentist bill from 2 years ago! I had no idea. I also think the real reason we spend money so fruitlessly is that we were never taught about budgets etc. I know my parents never taught me anything about how to save money, and in school there were no finance classes available. Only once a person moves out on their own do they realize how much money it takes to just afford rent every month. Low paying jobs, student loans, credit cards. It all adds up in the end.

User Detail :  

Name : Janelle, Gender : F, Sexual Orientation : Straight, Race : White/Caucasian, Age : 19, City : Regina, State : NA, Country : Canada, Education level : Technical School, 

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