i am HORRIBLE, in a sense, with my money. i love spending money, but i dont make much. :exnbp:

ive been in debt since i was 18. i still carry a $400 balance from way back. but i guess the good part is, i havent paid more than a couple bucks in interests charges. since ive been doing the ole "0% APR for XX months for balance transfers." i still have till july to pay that $400 off.

but i just got in the mail a card with 0% APR on everything till 02-05. :tempted:

- and of course i have a lil lump in my savings account that i usually dip into come my annual insurance bill