smoke shop and credit cards
Sep. 25th, 2007 04:50 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
edenfallingToday I did my imitation of a good, productive employee. JE and I opened the store, after which I did a bunch of stuff on the daily list, put up the new book shipment, returned some old books, checked in and priced the J&R order (mostly cigars), took the cigars down to the basement, inventoried candles and coffee paraphernalia, skimmed the deposit from the morning cashup, and restocked the foreign cigarettes. So yay for me.
Now I'm going home, where, among other things, I will activate my new credit card, because, after nearly 7 years of insisting I didn't need one, I have joined the ranks of credit card holders. Apparently you can't rent cars with debit cards, so it finally became necessary for me to apply for credit. Bah.
On the bright side, if I buy groceries with the credit card rather than my debit card, I think I save a 50 cent transaction fee with each purchase, which does add up to about $50 over the course of a year. So this is really a money-saving measure rather than a concession to the system.
...
I don't have anything against credit cards, not really. I just spent a while somewhat irrationally nervous of them, after all the stories I heard about people going into crazy debt. But I know how to manage my money, so crazy debt is not going to happen (well, not unless I get cancer or something, in which case I would've gone into crazy debt anyway, so whatever), and I've even learned to budget around occasional binge spending on books and whatnot (which was the big reason why, for years, I would only use cash in bookstores; I was terrified of blowing $200 or more at once, which is a hell of a lot of money when you're in high school) so I'm not going to fall prey to the 'oh, I'll have the money next week' fallacy, and I think, basically, that this will be more of a convenience than an irritation, despite the minor annoyance of now having to pay a bill to a credit card company once a month rather than just letting my bank deal with the transactions. (And wow, that sentence got convoluted.)
Anyway. Credit card. Yes. :-)
Now I'm going home, where, among other things, I will activate my new credit card, because, after nearly 7 years of insisting I didn't need one, I have joined the ranks of credit card holders. Apparently you can't rent cars with debit cards, so it finally became necessary for me to apply for credit. Bah.
On the bright side, if I buy groceries with the credit card rather than my debit card, I think I save a 50 cent transaction fee with each purchase, which does add up to about $50 over the course of a year. So this is really a money-saving measure rather than a concession to the system.
...
I don't have anything against credit cards, not really. I just spent a while somewhat irrationally nervous of them, after all the stories I heard about people going into crazy debt. But I know how to manage my money, so crazy debt is not going to happen (well, not unless I get cancer or something, in which case I would've gone into crazy debt anyway, so whatever), and I've even learned to budget around occasional binge spending on books and whatnot (which was the big reason why, for years, I would only use cash in bookstores; I was terrified of blowing $200 or more at once, which is a hell of a lot of money when you're in high school) so I'm not going to fall prey to the 'oh, I'll have the money next week' fallacy, and I think, basically, that this will be more of a convenience than an irritation, despite the minor annoyance of now having to pay a bill to a credit card company once a month rather than just letting my bank deal with the transactions. (And wow, that sentence got convoluted.)
Anyway. Credit card. Yes. :-)
