Jade I.


American Express, Discover Card, Master Card--the status symbols of the culture. People are drowning in credit card debt. The American debt is staggering and no one seems to be alarmed. The invention of the credit card has enslaved men, women, boys, and girls. They invest either too little or none of their resources. We're hoarding too much stuff. Every month, millions of households awaken with the same worries, money woes, and anxiety. No matter how much "bacon" is brought home, it is usually devoured before the next pay day. We like keeping up with the Joneses. The Joneses are broke, too! Trying to live the life of Riley has its own rewards. Money problems can lead to fighting, and the bread-winner feeling inadequate. Mismanagement of money puts a strain on a marriage. Runaway credit card purchasing can be like the Energizer Bunny, your money keeps blowing, and flowing, and going, and...well, you get the picture. If you have credit cards which have left you teetering on the edge of bankruptcy, no one has to ask the obvious. I'm going to ask the question anyway. Why be irresponsible and keep overspending? Why be enslaved by a piece of plastic that you can cut up and pay off all debts? Because, we get duped, and its easier said than done. But, there is hope. What happened before you applied for credit cards, and before the banks sent them in the mail? You paid cash for your purchases. 

My grandmother used to keep her money in a sock and pinned to her bra. She paid cash for her needs and never bought on credit, or she managed to do without. Her bigger "stash" was placed inside a mayo jar and buried for safe keeping. If you look inside the garages of American citizens, you see so much junk you could hold a Salvation Army Thrift Store Jamboree. Credit cards remind us that we want too much, save too little, and need to focus on things that are of real value--like helping others. 

I just returned from the 2016 Novi Homeshow. There was a 250 sq. ft. home that lacked nothing. It had everything you needed. There was a long line of people waiting eagerly to see inside this house. There was a man standing behind us who we overheard saying, "Hmmph! Who wants to live in a shoebox? I couldn't even store all of my shoes in there!" I guess not. When you have more than what you need, it puts a leanness in your soul. You can't invest in your future, and you will be tight-fisted. If adults are responsible with their money, there children will become responsible. The Joneses, a community, a region, and a nation can be wise stewards. We can eradicate debt!