Charge!!

Remember this episode of the Flintstones when Wilma and Betty yelled "Chaaarrrggee...it" (personally can't hear the it at the end), right before shopping.

Well, I got a Credit Card (background to follow) and I now can yell the same cheer!.... but this is a financial blog and I'm on a mission, so guess what I'm doing, being sensible!

So here is the background. I was married for 8 to 10 years... I worked the first 2-3 years and earned a great living earning 100K.  I then became a housewife, mother and stayed on as a housewife... during my tenure, I somehow just lost all my credit cards (I only had 2) and then just had all the cars and everything in my husband's name. I wasn't raised to be that way, but I honestly wasn't thinking and my husband was good to me in the sense that I got whatever I wanted and even managed the money for the household. I never thought I would be divorced and didn't even think about my lack of credit history or work history when it was time to get on my own feet.  4 years after my divorce  and I finally am able to have my own credit card.

But I will not be yelling "CHAAARRRGE... it" anywhere.  I have a super low balance and my intentions are to charge it monthly and pay it back in full monthly on or before the due date.  I have had it 2 months now and that is what I am doing.  I am charging things like my groceries and gas (things I normally use my debit card for) and take the money I have set aside for groceries and gas and just pay the bill.  My goal is to build credit history, increase my balance and get one more open line of credit.

I paid off my car loan so I would like to have 2 lines of credit by the end of the year (actually by the summer...more on my financial goals later).

So be mindful of those credit card charges folks! Don't get crazy like the wonderful ladies of the Flintstones.