You needed a new computer, but were less than equipped to shell out cash for it on-the-spot. So, naturally, you signed yourself up for one of the big-box electronics stores' credit cards and were enjoying being able to dutifully pay for that big sum in little payments. In fact, as soon as you paid your balance off, you might even have been tempted to make a less-necessary purchase (like a sweet HDTV) just because of the ease of payments. And now, you find that your TV is all yours and you really, really, really want an XBox 360...
When you're forced to charge a big purchase, like when your trusty laptop finally bites the dust, you'll get into a groove making payments for the necessity. For as long as you're paying off that balance, that chunk of change becomes part of your monthly expenses.
When your stuff is all paid off, it can feel like you've got a bit of extra cash all of a sudden. And we don't need to tell you that it will be tempting to charge something else you've had your eye on.
On the other hand, some people are happy to see a zero balance after months of paying bills and won't get into the never-ending charge cycle.
So which side are you on, Unplggd? Do you keep going back to get your hands on the next big thing? Or do you only grab for what you need and buy luxuries only when you can drop the cash on them?