Old enough to use current slang to describe the bizarre notion of feeling important due to being stupid enough to pay for the privilege of being a debtor
Nothing wrong with knowing your limitations, There was a time in my life where I couldn't justify paying a annual credit card fee, now I pay $1680 in fees over six cards and I get a positive value out of each one of them from card benefits to points. The main reason it works for me, I pay off the balances on time every month.
