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I Am Thankful For Credit

I like to think I'm doing pretty well for myself. I've got some degrees and a good Engineering job. Unfortunately, life doesn't care whether you make a little or a lot. Most of the important necessities of life cost money, and at least society in the US, has gotten comfortable with calling much more than that the bare minimum. All that is to say that houses, cars, and lifestyle are all expensive. I'm thankful for credit that has allowed me to live in a home and purchase cars with money I don't have yet.

There is a strong argument against credit, namely interest charges and the potential for innapropriate spending, but I'm going to say the net outcome is positive. Of course I'm stressed by looming payments and maintenance on things I don't even own yet, but I think if rather have those items than not.

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