6/52 – Clear Credit Cards

I waited longer than some people I know to get a credit card. In fact, I didn’t get my first until the beginning of last year, when I was twenty-four. I didn’t exactly do it through a conventional route, either. I opened a second bank account in order to get a secured card through that bank (which is a national chain, versus my usual state credit union that I use as my primary account and that I’ve banked with since I was seventeen).

That card has a limit of $300. Since it’s secured, I can raise it pretty much at will – up to $1,000 – but I haven’t felt the need to do so. My other card, I got just four months ago and it also has a $300 limit. This past Christmas, I nearly maxed both of those cards out, for the first time. It made me nervous, having them both full, so the first thing I did with my tax return was pay both of them off again.

The other money went straight to my SO, to make up for my portion of the bills, since I’ve been so slammed with school that I’m down to working just 20 hours a week.

I expected to feel relieved once the cards were paid off, and I do. I also feel somewhat accomplished, even though one of the cards has a regular bill paid with it every month and will get hit another $50 within the next couple of weeks.

I did not expect to feel so much temptation.

For instance, I badly want to purchase a new desk. A “big girl desk” that will replace the one that I’ve had for six years. The age of my current desk isn’t really my problem (even though it’s showing in some chipped and peeling paint). My problem is that the desk is simply too small to accommodate all of the stuff that has come with nursing school. At present, the binders I use on a daily basis live on the ottoman, along with my two clipboards, drug guide, backpack, and various office supplies.

My desk is at capacity with just my computer monitor, a lamp, and two letter trays on it.

It’s more of a writing desk that I have forced to be a computer desk, really.

The desk I have my eye on is currently on sale for $289 at Staples. It’s an L-shaped desk which is an instant upgrade, but it also has a hutch built in with ample storage for all of my office supplies, my school books, and even my SO’s desk clutter – bills, keys, ect.

I didn’t expect to want to put something on the credit card that would max it out right away and I’m struggling with the urge to get the desk now. The dilemma of it being on sale versus the fact that I just paid off the card is making me go in circles, trying to decide the smart course of action. Really, I know what that is . . . keep what I’ve got and don’t use what’s meant to be an emergency card on what is clearly not an emergency situation.

Adulting is hard, sometimes. Trying to balance wants and needs.

The desk is a want, clearly. Having the card available for emergencies is a need, clearly.

In eight more months, I will graduate and I will hopefully get a job that will pay me almost double what I make now. And then I will be able to afford to get a new desk, if I still want/need a new desk. Patience. It’s a virtue, apparently.

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