Stay Away From Common Sense When Using Credit Cards

Tuesday, October 30, 2012, 2:00 AM | 1 Comment

The title of this article does not make common sense. Because common sense has gotten millions of folks to the brink of bankruptcy. It has gotten folks into heavy debt that they were never able to get out, thus filing for bankruptcy protection. That’s why I say stay away from common sense when getting and using credit of any kind.

Not getting into the technicalities of the two words, it’s a lot better to use your own sense for handling your finances.

Credit card debt seems to be the biggest culprit in many folks personal finances. Use your credit of any kind wisely. Don’t waste it on something that will not give you real satisfaction but instead will give you miseries.

Common sense…

Common sense is defined by Merriam-Webster as, “sound and prudent judgment based on a simple perception of the situation or facts.”

The Cambridge Dictionary defines it as, “the basic level of practical knowledge and judgment that we all need to help us live in a reasonable and safe way.”

Now think about it. If the above is the definition of common sense by Merriam-Webster, then how many people have used it the past few years or perhaps the last decade.

I like the second definition – by Cambridge Dictionary – better because it points out a very important aspect of common sense and that is “knowledge and judgment that we all need.”

Knowledge and judgment we all need, not we all possess. Humans are copycats. We tend to copy others. We very seldom look at our own resources. We are possessed by how other folks live.

As long as we copy others, we will never have sound judgement of our own. There is a saying in my mother tongue: “We will all be farting over someone else shit.” Hallelujah brother, hallelujah.

We only see others, especially our neighbors, driving expensive newer cars, living in big houses and shopping almost everyday.

That has become the common sense of the day, in a layman’s words. We don’t search in life for what’s best for us. We always worry how to live like our neighbors. We hate to live within our means.

Financial brains…

“The maxim to tighten your belt implies that self-discipline is the solution, but our financial brains are not so easily tamed.”

Let’s face it. Financial brains are not so easily tamed. That’s the order of the day. It can never be good because we will always copy others. We will never have anything to protect us in our financial life. Our future will look bleak, dark and gloomy.

Both definitions are obviously correct. How many of us have been living on prudent and sound judgment? If we have, then why there have been so many bankruptcies recently that have destroyed many folks’ financial life. Technically the definition seems right but practically very few follow it.

And people who do follow it have always used their own sense to efficiently use their credit and have been successful in controlling their debt.

“Common sense is not so common.”
François-Marie Arouet, commonly known as Voltaire, A Pocket Philosophical Dictionary.

So if you have no sound judgement about your financial life, then at the least examine and analyze your own finances and not those of others.

And remember…

“Success isn’t permanent, and failure isn’t fatal.”
Mike Ditka

In a Nutshell
You don’t need education at a college degree level to be self-disciplined and have sound judgement to handle your own finances.

Don’t follow common sense if it would get you in more debt and more deficit in your family budget whatever that may be.

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