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If I had really thought back then about the long-term consequences of buying stuff like records, magazines, books, cars, going to movies and concerts and living in apartments, I don't think that I would have done it all, and I'd be better for it, today.

(kind of long...)

This paragraph really struck a chord with me...

It made me realize that I do not regret the things that I bought with my credit card that has put me in my situation today.

And, yes, there were things that I bought with them like records, magazines, books, and going to movies and concerts.

I don't think I'd be the same person today if I hadn't bought those things. Some of the things that I bought helped change me into a better person. Going to a movie with a friend whom I don't see that often, and then out to eat - sure it would have been better if I could have paid for it with cash, but that's not how I thought back then. Instead I got to hear a friend tell me about how her life was going at the time.

I see my past as lessons learned. I would never have learned how to budget, snowball, or manage my money if I hadn't gotten credit cards when I was in college. Sure, it would have been nice if my parents had taught me some financial responsibility when I was growing up, but if the price I have to pay for a financial education is $8000, then I'm ok with that. I consider it an investment in my future. I know that the children I plan to have in the future won't make the same mistakes with money that I did because I will have raised them with knowledge that my parents lacked.

So, I am a better person for _having_ credit card debt?!
I guess in a way, yes. Hard as that seems to me when I'm giving my money away to faceless corporations each month! ;)

thanks for letting me ramble...
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