Credit Crack down

Today I went into the bank to deposit some money. I normally go in because there is this cute guy that works there that always helps me when I lose my debit card. Ok and maybe because bank lollipops are the best. Today however I got Sandy. (I have changed her name for the sake of this post and her privacy.) When I went up to handle my business she looks at me and says "have you ever thought about..." pause for two seconds. If anyone ever starts a question out like that get ready to be irritated or about to beat someone. Anyway, she said "have you ever thought about building your credit." I told her no, that I was just trying to be a big girl on my own first. She proceeds to tell me that at 25 I should really have credit right now and be getting a credit card, and that I am behind. Ok Sandy Imma need you to back up for a minute. Something I cant stand is getting what I called "adult shamed." Like people letting me know I am behind in life.

Lately I have been drowning figuratively. I just started a new job and I feel like if it weren't for my imaginary water wings I would be dead by now. So, I politely told Sandy that I was most definetly not responsible enough for a credit card right now and thanked her for her time. This is sad but true. I dont think I ever will be ready for one. I dont trust myself. Kate Spade would call my name and it would be game over. I just recently started remembering to get my oil change and auto-draft my kindle account.

Today however, even though it bursted my little bubble, was a wake up call. I might be focusing on my job, and really trying to move out of my parents house, and ya know find a husband before all my eggs are dead but, I really need to think about these big girl things. Especially since I had no concept of credit. Like the fact you have to earn it. I just thought you started out with perfect credit and if you screwed up you then you got bad credit. I wont be getting a credit card but, maybe I can start off treading water. Instead of paying my dad who then pays all my bills, I can start putting things in my name. Go ahead and judge me for that. Big girl world is a rough one but, fun. If you are like me and a little behind first off, go google credit. Make sure you know what it means and how to get it. Second, start thinking of little ways you can put your toes in the water. We cant wear our waterwings forever.

Lesson of the day: dont go to the bank on a Monday.

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#credit #bank