Saturday, March 7, 2009

How To Use Your Credit Card : An Exuberant Shopper's Guide

Just saw my credit card bill and almost had a heart attack... All the muhavras learnt in the Hindi Period of that small primary school danced before my eyes- 'Jaisi Karni Waisi Bharni', 'Paanv Utne Hi Failaane Chahiye, Jitni Lambi Chaadar Ho' et al. Have shopped like crazy the last month and the tax saving investment plans have already drained all my savings (whatever little I was able to save the whole year) so I am wondering How am gonna pay this HUGE Credit Card Bill?

Here is a 'How To' guide from an expert to turn your Credit Card Bill into a 'Big, Fat, How 'am gonna pay this Credit Card Bill'.

Book all the travel tickets online, using your Credit Card and just chill, you don't have to worry till next month. Going to travel, don't forget to buy a good Laptop Bag first, and yep, don't forget to use your Credit Card.


Laptop Bag (The Bag actually looks better than the image)


A friend is coming down from US to India, so order following DVDs from amazon and get them shipped to her address and save yourself the shipping charges, Jai Ho Credit Card Ki!



Visiting Chennai? Don't forget to check out The Landmark Store at Spensor's Plaza, they have some real cool books. Buy The Art Of Madagascar 2 & Will Eisner's Last Day In Vietnam, a rare graphic Novel. Swipe the trusted credit card again.


Sale in Crosswords, Sergio Aragones' Fanboy is available and is on sale. An unmissable opportunity. Credit Card just pops outta wallet and winks at you. Your library gets one more title to die for.


Ring Ring...
"Sir, I am calling from Landmark, you've ordered The Visual Story Second Edition, that book has come..."
Ohh how can I miss this one.
Rush to Landmark.


Just checking out the Graphic Novel Section...I am not gonna buy anything as I have already bought enough for this month. Wh...What's That Book....Is tha.....t....Will Eisner's Comics And Sequential Art...Have been looking for this book for years...

Wellllll...I can stretch my budget a bit...(but what was my budget? ehhh...leave it..just buy it!)

Credit Card again plays the friend in need...


No more shopping for this month but a little window shopping won't do any harm..right?

Enter Sports Planet, just to check out some shoes...Anyway most of the time I don't get shoes in my size...esp. in the designs I am looking for...

Converse Jack Pursell Vintage on display.Cool shoes, no harm in trying out, anyway I am not gonna buy anything.

"Ohh woww...they look cool, are comfy and are available in my size, besides they are on SALE!!"

"Paying by cash or card sir?"

"...Credit Card..."

19 comments:

Bhai with Chai said...

oh fishh.. inna spend kiya??
and all that book talk is makin me go green!
I had to buy a couple of books.. but stopped myself coz I still haven't read the ten odd books I purchased earlier!

and look at youu...!!
.."as u shop.. so shall u pay! "

:D :D

Trinaa said...

ALOK! fir books liya? mujhe bhej!! faaaaaaast!

яノςんム said...

rofl!!

yes yes i know the plastic money ets u spend more than u intend to :D
i am a bhukt bhogi myslef :D

Sneha said...

huum debit and credit dono hee card baad mai bank balance dikha kar rulatey hai.:)
muhavery sahi yaad aaey per baad mai, koi nai agli baar dhyan rekhna.;)
have a nice day.:)

swati said...

i thought we gals are considered to be a shopping bug..bt thanks fr proving it wrong :)
tc

Harshita said...

haha... maa da ladlaa vigad gaya...

I am against credit cards... ;)

Rafiq Raja said...

Hehehehe..... Atleast I found a person who shares my griefs on a Credit Card Bills....

Hehehehe..... We are both on the Same Boat... YOu Know :)

Wonderful buys though :)

Shruti said...

Lol! U splurge king! Uncontrollable shopping.. But hey, u ended up with a lot of good stuff! :-)

Guess u'll give the card a long break :-P

chirpy-paaro said...

hahhah...and then men say that gals shop... :))))
I never use credit card just for this reason that I cant trace when I have crossed my budget...

Toonfactory said...

@ Bhai - Haha...Ab humara bhi plan hai ki hum khareedi huyi books pehle padh kar khatm karenge tab kuchh nayi books khareedenge...

@ Trinaa- Yahaan Credit Card bill ne kamar todi huyi hai..aur tu hamdardi dikhane ki bajaye demands maar rahi hai...very bad!

@ Richa - Plastic is really hazardous...no matter whether its plastic bags or plastic money...

@ Sneha - Tumhari baat par ek aur muhavra yaad aa gaya- Aachhe Din Paachhe Gaye, Guru So Kiya Na Het, Ab Pachhtaaye Hot Kaa Jab Chidiya Chug Gayi Khet.

@ Swati- Hehe...wish I was as glad while I broke that myth.

@ Harshita - Oye maine aisi waisi dostana harkatein nahin ki...Galat Song on the apt moment though..lol

@ Rafiq - Lol...U were there when I swiped my card in Chennai.

@ Shruti - Yep! most of the things I bought are real cool...My Card's expiring next month anyways...so break to hoga hi..

@ Paaro - Normally I don't go overboard...magar vacation ke mood mein ho jata hai, ab kya karein...controll nahin hota!

Rafiq Raja said...

Tf: I was there when you swiped.. but you would have seen that I didn't swipe along to match you :)

The fact is that I am no good money manager, but I keep track of all expenditures on my credit card with an Excel sheet... and don't cross a self-set budget anytime, which is what I could pay or afford at the max with next month sal :)....

But, anyways, I haven't tested myself in the shopping spreee while travelling, as you did. May be I could have been tempted too :)

The only good thing I ever did was to ensure that I converted my Physical Credit Card Statements to Email ones.... atleast that saves me from some prying eyes at home, which could snowball into a bigger problem :).. Heheheheee

Toonfactory said...

Hahahaha...Rafiq even I get my credit card bills on email, cant afford to get it delivered at home...Well I normally keep a tab on my spending by keep on adding the amounts I spent on a draft in my cell phone...was travelling...feeling a lil laidback...didn't do it and landed up in this mess...BTW m very bad with excel...

santasizing...Fantasizing said...

hahahahahaha....u should be in the movie"confessions o a shopoholic".....sahi hai beta...beating all d girls here hands down:)

Mama - Mia said...

awesome post!

M has the same laptop bag! i can vouch that its totally worth it! :)

and very cool shopping! itti acche cheezein! tum kis kis ko na bolte! :p

cheers!

abha

Vidooshak said...

i totally identify with this one. didn't even bother entering those sinful stores this time when i traveled. just using the rest room in a Fry's or Borders can cost upwards of $50 :)

By the way, hunted for your Lion King and even attempted a torrent download, but no luck. Those Disney crooks create an artificial scarcity so you'll next get LK Platinum only 7 years later...

Gives your card some time to breathe, eh?

Carpe Diem said...

didnt you write a similar post earlier as well??? Dont tell me that you have nothin new 2 write... do a book review

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