I Had a Dream That I Maxed Out All of My Credit Cards in One Glorious Day

May 10th, 2008 • Related • Filed Under
feature photo

And what a day it was! A massive spending spree.

I just woke up, and I’m still a little fuzzy as to whether or not I dreamed it, or actually did it.

I currently have seven credit cards, six of which I don’t use. At this very moment, I have a total of 97 thousand dollars available credit.

 

I bought a complete set of the best furniture for the entire house, dishes, and All-Clad pots and pans for the kitchen. An All-Clad Slow Cooker I’ve been eyeing, but not willing to spring the $150 dollars for. And $1000 dollars worth of books. And not just any old books. New books.

 

In my dream, that is.

It was wild. A rush like no other.

I’ve never had the experience of going out and just spending, without a thought of how I would pay the money back. I can see why people do it. Especially younger people, not used to the new found freedoms of adulthood.

 

I’ve had some regrettable smaller splurges over the years. I have a beautiful 12 foot, dark blue kevlar Adirondack guide boat hanging in my garage. Cha-ching: three thousand dollars. I love the boat, glad I have it, but I sure didn’t love having to pay that debt off.

I remember the feeling when I made the purchase. It was so easy. I had been pining the boat for a while. I knew exactly what I wanted. And in five minutes, it was over, strapped on the top of my car, my boat.

Sort of. Three weeks later the bill came in. Ouch.

 


But with middle age comes wisdom.

Now I use one credit card, which I pay off every month. I only use it because I get 2% credit directly against the principal on my mortgage. Period. No ifs, ands, or buts.

 

But, in my dream at least, for one day, I was rich.

I hope I don’t dream about the day after I maxed out all my credit cards tonight. What a nightmare that would be.

Popularity: 54% [?]

Related Posts

There Are 8 Responses So Far. »

  1. Comment by rstlne on 12 May 2008:

    Seven credit cards? I only have two, so maxing those out won’t go very far.

  2. Comment by Sharon on 12 May 2008:

    Wow. That was some dream! or was it a nightmare? :) Aren’t you glad you don’t have the $97000 in debt? can you imagine the cc companies charging 30% interest too? Yikes!

    Sharons last blog post..Paris….every day!

  3. Comment by Lisa on 13 May 2008:

    @ Sharon - yes! very glad it was only a dream-

    @GP - you’re quite welcome- I really enjoyed your article.

    @rstlne - good tips, thanks. re the credit cards- I have all those credit cards because I wanted to get the sign up bonuses.

    :-)
    Lisa

  4. Comment by KellyB on 16 May 2008:

    What card ties the 2% back to your mortgage - I would love that! Is it just through the bank that holds your mortgage or is it a different bank’s card?

  5. Comment by Lisa on 16 May 2008:

    @Kelli
    Yes, it is specifically for Countrywide (not the most stable company of late, but I’ve had my mortgage with them for a while.) Here’s the link:
    https://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=countrywide_rewardslow&page=cont&mkid=64v6

    @tony - that still doesn’t explain to me why they are having record PROFITS, during a time when we’re all hurting.

    Lisa

  6. Comment by Trackbacks on 3 July 2008:

Post a Response