We all make mistakes and sometimes we face the consequences of doing the wrong thing sometimes, but if you could go back to being 18 again, what would you do different.. or better yet, what would you avoid doing WRONG to screw up your life? What did you do in the past that makes you want to kick yourself for it today?
Personally, I wish I didn't fool around so much while I was in college. After getting kicked out I learned what the REAL world was about. And after running up 20 credit cards and ruining my credit, I started to understand the consequences when I became a bit more responsible.
On the college thing, I had a free ride PLUS plenty of spending money. I had a new car, a nice apartment, and a pretty girlfriend. I took it all for granted and put the majority of my focus on "looking" rich, the parties, and the fun of being an "adult". During this time I lived like a "high roller" buying everything I ever wanted/needed on credit. To make a long story short, when my whole world started crashing down, I decided to start a business and had I not screwed up my credit, I would have been able to do it. So as it stands right now, I like my life and I have been able to accomplish many things.. but I feel like I wasted the first 15 years of my adulthood knowing I could be so much further in life than I am right now.
One thing about credit is that once you get bit by the bug and you get addicted to it, you will ALWAYS find something to buy. I even had credit cards for stores that I didn't shop at. But somehow I found a way to find something I wanted to buy from there. There was this uppity type of department store that specialized in clothing and furniture yet they had a a small electronics department that sold stuff for twice the price. I didn't mind over paying for a new TV and VCR because it was on credit.. and it would only cost me $12 a month! Why not? But all of that stuff would add up for a while.. and being that my spending money was only $150 a month, paying all of my bills could eat that up in one day. So I kept the money and thought I would figure out a different way to get the money.
This was a terrible time in my life (even though I didnt know it then) becuase I was better at making excuses for broken promises and making apologies than I was at handling my business. I have friends that I borrowed money from and never paid back, I took advantage of those who trusted me to be responsible and to do the right thing...
Gee whiz.. I am starting to sound like I am at an AA meeting! LOL
Personally, I wish I didn't fool around so much while I was in college. After getting kicked out I learned what the REAL world was about. And after running up 20 credit cards and ruining my credit, I started to understand the consequences when I became a bit more responsible.
On the college thing, I had a free ride PLUS plenty of spending money. I had a new car, a nice apartment, and a pretty girlfriend. I took it all for granted and put the majority of my focus on "looking" rich, the parties, and the fun of being an "adult". During this time I lived like a "high roller" buying everything I ever wanted/needed on credit. To make a long story short, when my whole world started crashing down, I decided to start a business and had I not screwed up my credit, I would have been able to do it. So as it stands right now, I like my life and I have been able to accomplish many things.. but I feel like I wasted the first 15 years of my adulthood knowing I could be so much further in life than I am right now.
One thing about credit is that once you get bit by the bug and you get addicted to it, you will ALWAYS find something to buy. I even had credit cards for stores that I didn't shop at. But somehow I found a way to find something I wanted to buy from there. There was this uppity type of department store that specialized in clothing and furniture yet they had a a small electronics department that sold stuff for twice the price. I didn't mind over paying for a new TV and VCR because it was on credit.. and it would only cost me $12 a month! Why not? But all of that stuff would add up for a while.. and being that my spending money was only $150 a month, paying all of my bills could eat that up in one day. So I kept the money and thought I would figure out a different way to get the money.
This was a terrible time in my life (even though I didnt know it then) becuase I was better at making excuses for broken promises and making apologies than I was at handling my business. I have friends that I borrowed money from and never paid back, I took advantage of those who trusted me to be responsible and to do the right thing...
Gee whiz.. I am starting to sound like I am at an AA meeting! LOL
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