I love shopping but actually I am a very disciplined one if I can boast of that. I may splurge a little bit from time to time but I would not even dare to shop beyond my means. Sure there are moments when I just want to  shop till I drop and empty  my purse or  my savings account but my heart and my mind would not allow that to happen. I am still sane when it comes spending and saving.

I know of someone who uses her credit card for her shopping endlessly not knowing she’s already overspending not until her bills came which is up to the ceiling already. Poor girl, she even issued lots of checks that she can’t even cope in putting funds in it. Collection Agencies are already calling to her and all she can do is to hide and asks her relatives not to say where she is. Bouncing check is a illegal and she can be sued for that, fortunately she settled it our of the court already by talking to the person.

She has learned her lessons already and I don’t think she will ever do that again. We should be responsible for all our debts and we need to keep the discipline to ourselves so in the future, chances are we can apply for loans or use our credit cards again with confidence.