sunday. my mom and i have this regular sunday routine of morning workout, breakfast, and then grocery shopping together. (interesting, i know)
today, one of the items we purchased was without a barcode so we had to wait for ages for the rollerboy to find it. in the meantime, other customers passed by to pay for thier purchases.
first, a man whos bill came up to two hundred plus- whipped out his credit card.
second, a gay looking dude. bill- hundred and seventy. credit card.
mummy was disgusted. she turned and looked at me.
"bill dua ratus pun pakai credit card, teruk betul. im telling you if this is the way he shops every month for his family, sampai dua puluh tahun lagi pun dia takkan habis bayar bill dia semua. i dont understand orang ni semua, barang makan pun nak hutang ke?"
good point mummy.
tapi mummy, kenapa time orang dapat gaji macam sekarang ni je orang shopping? kalau ada credit cardkan boleh shopping bile2?
"sebab gaji tiap2 bulan habis membayar hutang, so they end up with no cash in the end. and bile hutang dah bayar, baru boleh guna balik gredit card tu"
oh. sad.
tapi kalau macam barang lain kalau ada sale, takpelah kan? i mean, apart from barang makan?
"tak tau ke perangai orang ni? nampak baju tu ada 20% discount tapi cash takde. so, beli jugak sebab rasa macam konon-konon it's a good buy. but you know what? they pay the minumum amount every month plus interest, and in the end harga baju tu lebih mahal dari the price even if it was never on sale"
ler.macam tu ke? tapi mummy, kenapa kalau orang tu pakai credit card it's symbol of wealth and style and all that crap?
"itu dulu. skarang ni? no way. orang gaji 30,000 setahun pun layak apply. tau graduate card tu? alaa..orang salesgirl pun boleh pakai credit card kalau cukup overtime hours dia. dulu memangla lain..nak dapat credit card tu susah sangat. minimum gaji mesti 48,000 setahun. that's wealth. people know you have a decent salary"
ooo. like that ar? habistu.is credit card such a bad idea?
"take my advice on this. only use credit cards to pay for your hotels when you go for overseas holiday and for emergency petrol cases.dont ever, ever make it a habit."
tapi kalau kita takde duit macammana?
"takde duit, takpayah nak berbelanja. that's why you need to plan financially wise. jangan makanan dah jadi tahi, hutang tak habis bayar."
no wonder i never see my parents use their credit cards no matter how much their bill amount might be. wow. i see them in a whole new light that sets them apart from other people. yeah, maybe they both earn five figure salary each but i have great respect for the way they handle expenses.
well, i hope i get to be like you.