"Rich" wrote in message
...
I don't KNOW if YOUR luxuries are excessive.

I DID read that you have had some financial setbacks, and aren't able to
save even $20 per month. I think I remember that you are using credit
cards to finance your purchases... at high credit card rates.

IF it were ME, I would choose to bypass some of these luxuries in order
not to get further behind... and be able to afford good things to
enhance my children's education and get a good start in life.

Life is about choices, Chuck, and their consequences.

Rich


Chuck wrote:

Oh... OK.... well, are my luxuries excessive? Apparently, you already
had
your opinion of me and my luxuries...






Rich, maybe you need to re-read the thread...

I have said numerous times that I have ONE credit card that carries a
balance. It is Sears. We use it for necessities like school clothes, etc. We
don't go buy wide screen TV's on it. In fact we are currently watching a 20
inch TV right now, so it would be very easy to run to Sears and charge a new
TV, but we have chosen to wait until our tax refund comes in so we can pay
cash for a new TV.

In otherwords, NO I am not using credit cards for my (our) purchases. Even
Christmas is COMPLETELY paid in CASH! How many of you can say that?

In the past we have had other credit cards, but they are all PAID OFF with
ZERO balances (have been for several years) and we have closed the accounts
on them.

In another reply, I have defended my 3 luxuries, so I wont do it again here,
but I have reason for those 3.


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