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Old 02-21-2013, 06:26 AM   #32
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Join Date: Jan 2003
Location: Staten Island, NY
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There's a difference between frugal and cheap. Frugal searches out the best deal on a high quality item, frugal reuses things that still have a life in them, frugal saves instead of squandering, frugal buys store brand when the quality is the same as name brand ( as in canned veg, etc)
Cheap buys low quality, cut rate products that end up getting replaced more often. Cheap saves a few pennies now only to have to spend double or triple that later to make up for it (as in going the cheap way with car repairs, home repairs, clothing purchases, etc)
I learned those differences the hard way.

I've also learned that college students living on campus should not have credit cards- those debit/visa cards are perfect for controlling your kid's spending habits.
And I've learned that you need some type of credit to get credit. So if you ever want a mortgage, pay off your student loans on a timely schedule, and have a credit card that you use wisely and pay off regularly to show some type of credit pattern to the banks.
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