This morning I received a love letter from a creditor.
“We are writing you to inform you that we have placed your credit card on a block of wood and chopped it in half. You may use the leftover half to shop in our retail stores. The only reason we didn’t break up with you entirely is due to the fact you still owe us money. We know that if we let you down a hundred dollars at a time (As make your payments) you will not flee, and take our money with you.”
Mass Market Retailer
I was angry when I received this. I can’t figure out why. I had all intentions of shredding their precious platinum card in October when I paid them off for good. Is it because I did not get to instigate the breakup? Who knows, but I’m over it now. Two cups of coffee and a box of chocolate later. Why do we adore our plastic dates anyway? They’re messy, unappreciative, and they mass produce unwanted items. Also, if we don’t phone or send flowers afterward they get heavily offended.
We are going to start a fling with cash. It’s dependable and easy to get along with, and it comes with its own limit. You cannot spend what you don’t have. Sure there will be an adjustment period, but we will not be caught off guard anymore. It is full of sweet nothings and thinks Dear John letters are in poor taste.
Yesterday, I had the opportunity to read a post from a woman on of those “post your deal” sites. She was bragging about how she got several boxes of laundry detergent for less than half of its normal cost. She took a picture of her receipt. The receipt stated what she owed and that the balance went to her store charge card. Does she not know how much less of a deal she received? She may slip and fall on all that soap when the interest and other charges are added. How do I know? I’ve fallen for store pickup lines before.
Paying off debt, giving up clutter, and sometimes living tiny is part of the minimalist umbrella of protection. As you accomplish each step your protection from the storms grows larger. It’s the difference between a golf umbrella and a pop-up umbrella. With the golf umbrella, you can still enjoy the shower and stay dry. The purpose of a pop-up umbrella is different. It’s temporary protection for small showers and is used to dash in and dash out. It doesn’t work well for monsoons. In the end, when all the clutter is gone, and we are debt free I hope to be enjoying the quiet rumble of thunder from our screened in porch. Maybe our neighbor will dash over to visit in his rain coat and we can hand him an umbrella for his trip home.