Good if you have other forms of income or biz, but still I buy what is necessary and things i can afford. I can buy any totl things thou but i dont since i dont need it.

Im drooling to buy a 15ha island..maybe i should consider it as a necessary investment. lol

Re CC: I use credit card for convenience and pay everything online thru bank. Im not sure kung may kinikita sakin ang credit card, kahit annual fee waived lage.