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Excerpts from the diary of a young adult:

23.06.07
It’s weekend! It’s a time for freedom; it’s the time to rejoice. But it’s almost the end of the month. I can manage a couple of drinks, but I also want that Auburn Hill shirt to adorn my back in the pub. Perhaps the bright blue shade can work wonders for making way to the babe whom I found exchanging glances the last time I had been there. But my plastic can only allow another $300. Ah ok, shall not let the chance go by; I can pay back the extra amount next month.

28.06.07.
$80 left. I thought my phone bills could wait till next month. Hell, I don’t want to lose it now; please God, I don’t want to lose contact with Susanne this early. She’s supposed to confirm the first date. I shall pay the over limit charges anyway, next month.

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And the next month never arrived. What arrived were the bills that got heftier each passing month and our young buck had to depend on hamburgers till every penny was returned. (more…)

Whenever you ask for credit from a bank or a credit card company, your information is sent to a credit bureau, in order to verify if you can apply for credit. The stored information is called Credit Report: it’s the history of your past credits, debts, payments and bankruptcy. Credit Report is important, since it is used to determine if you’re a reliable payer and how much credit you can be given. This record is regularly updated and determines the annual percentage rate. (more…)