I have always made a fairly modest income, except for the two years of illegal activity that sent me to prison. During those two years, I paid all my debts and my credit score went way up. Which means, ever since, I have had high enough limits on my cards that no unexpected expense need wreck me, and I never have to worry about paying the tally at the grocery store checkout. I still worry about money, but I realize that i have nowhere near the stress of someone living actual paycheck to paycheck, and constantly overdrawn or late on bills. (Which is why I supplement the income of my single mother cleaning lady. I saw her stress and it was stressing me out.) What makes poor people feel poor is NO CREDIT.
Well done, sir, well done.
I have always made a fairly modest income, except for the two years of illegal activity that sent me to prison. During those two years, I paid all my debts and my credit score went way up. Which means, ever since, I have had high enough limits on my cards that no unexpected expense need wreck me, and I never have to worry about paying the tally at the grocery store checkout. I still worry about money, but I realize that i have nowhere near the stress of someone living actual paycheck to paycheck, and constantly overdrawn or late on bills. (Which is why I supplement the income of my single mother cleaning lady. I saw her stress and it was stressing me out.) What makes poor people feel poor is NO CREDIT.