I am in BIG trouble now. Like a major self control trouble. You see, my sister before was (and well still is) a shopaholic and quite a big spender. When she started working she shop like mad. Like seriously over the top mad. She buy what she felt like buying and all are with just a swipe of the card. I used to envy her. Yes, she would splurge on me also sometimes (quite GENEROUSLY) and I think that's when I started becoming a shopaholic myself.

But, as we all know, the use of credit card is excessively dangerous as you are actually spending more than your budget allows you and it comes with extra interest rate that u don't have to pay if you are using cash or your debit card. And that's when I noticed over the last few years my sister never shop like she used to during her early years working anymore. And also she stopped buying stuffs for me too. =( Turns out, her credit card outstanding amount is so big that her monthly net incomes becomes negative for every month. I wouldn't state the amount here but it was huge!

Thanks for her workaholic-ness issue, she managed to paid all the debts eventually and next year Insyaallah she would be free! Hahah.. HOWEVER, no matter how people said you learn from your older sibling's mistakes, the younger ones tends to follow also. It's in the blood, I guess.

From the moment I realize how credit card can ruin your life, I vowed to myself I would never EVER in a million years applied for a credit card when I started working. The first 3 months I was successful. I shop using only cash and sometimes debit card. It was nice but I still can't afford to buy everything I want on the list.

Until one day, a courier arrived and there's my name on it. Inside, it was a credit card! I was like, whatttt I never applied for this thing! Turns out I did. Accidentally NOT ON PURPOSE while I was applying for a joint loan for mom. I thought it was just another form when I filled in the credit card form. Didn't notice the form's name. Duhhh..

My mom asked me to straight away go to the bank and cancel the card. But I was busy and couldn't find the time to go and get rid of the card. Days goes by. Weeks goes by. A month until I got the card. I never have the desire to even use it.

Until one Friday. One very good Friday. Me and my sister were in a book shop. And we saw this: