[nabs-l] Question for you all

[Arielle Silverman]

And it's not just a blindness thing either. My boyfriend's sister is
sighted and she has maxed out several credit cards, which is worse
than overdrawing a checking account. Budgeting becomes doubly
important if you use a credit card since credit card debt incurs extra
charges and messes up your credit rating. When I was shopping around
for my first credit card, my dad told me I should just not care what
the interest rate is since I should just plan on paying my bills in
full each month and never incurring any interest charges.
Arielle

On 10/13/12, Desiree Oudinot <turtlepower17 at gmail.com> wrote:
> Hi,
> I don't know how much money you have that's not connected to your
> card, but one suggestion I have is to keep some cash on you so that
> you won't be completely without money if your mom goes through with
> taking your card. Also, make sure that you have your card number
> written down in a safe place, such as on a note taker or in Braille on
> paper, so that if you need to make an online purchase, you can without
> her permission. The suggestions that others have given about checking
> your account balance regularly are good as well. If you can, change
> your password for your online account, and think about maybe opening
> up an account that she doesn't have to co-sign for. Once you're an
> adult, I don't think it's ever acceptable for someone else to have
> even a little control over your money. You might make mistakes, or
> make foolish purchases, but that's all part of living and learning.
> Just yesterday,I was ordering some stuff from a website. My internet
> decided to take that oppurtunity to temporarily lose signal, so the
> order ended up going through twice. By the time I realized what had
> happened, it was too late. The company said they couldn't cancel
> orders that have already been processed. So I'm going to get a lecture
> from my parents for ordering too much stuff, not to mention the fact
> I'll be getting two of the same thing, which mind you wasn't cheap
> either, but I just have to suck it up and deal. That's just one
> mistake I can think of that I've made with regards to money.
> Thankfully, I haven't ever overdrawn my account, but I do know it
> happens to everyone at least once, and it's not the end of the world.
> It's not even like you get bad credit from that.
> I know I probably shouldn't be advocating sneaking around, but
> sometimes, when parents are extremely rigid and refuse to give up even
> a little control, you have to push back. It may be disrespectful, but
> at the end of the day, you're an adult. Being docile and bending to
> your parents' every wish never gets you anywhere. As someone who has
> done that more than I really care to admit, I can only give you the
> advice I wish I had heeded myself.
>
> On 10/13/12, Koby Cox <kobycox at gmail.com> wrote:
>> Hello all,
>> This past week my mom went on-line and looked at my bank account and saw
>> that I was overdrawen. A doctors office takes out $110 every month to
>> cover a procedure that I had done the amount that they take out Is what
>> I'm responseible for paying because insurance didn't cover the rest of
>> it. I'm fine with that however, My mom said that she was going to take
>> my bank card away from me until next month and then we'll see If I get
>> It back. She also informed me that I can't spend more than $100 unless I
>> talk to her first. She said that If I don't like her rules then I can
>> pack my stuff and get out. What do you all think about all of this?
>> Right back soon,
>> Koby.
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