The Daily Programmer

Credit. For some it can be the life line they need. For others it just another luxury that is consumed, processed, and inevitably cast aside. Why do some many of us get duped into credit. I will tell you why. Its easy. Everyone likes things that are easy and give you instant pleasure. Think about. Here is what you think to be free money. You go out and spend it on things you and want and maybe need. At first its easy to control. But the credit card companies know one think. Your human. And you make mistakes. After that the debt keeps piling up and the minimum payment is a joke. It barely scratches the surface of your, "real" debt. So the cycle keeps perpetuating you deeper and deeper into a place where your hands are tied. I made the mistake years ago. I got one credit card with a small limit on it. And I said to myself, "alright use this card only when you need it." For emergencies. When those emergencies turned into car insurance, other bills, a...

Let me introduce myself. My name is Walter Prorok . I am a college graduate from the University of Pittsburgh with a B.A. in Media Communications. After a year and nine months of graduating I have not seen any substantial results from going to college. Sure I'm a "more well-rounded person," but come on who are we kidding ? Life demands experience not a list of books a person has read. In this time of post-graduation I have seen my lifestyle struggle more and more each day. Before I went back to college I dated the hottest girl in the world. This was the girl of my dreams. We should have married, but at the age of 24 with little money, no future, and just starting back to college. I was in no place to marry anyone. So I thought. Looking back on that experience I now know that it would have worked out. I don't have a time a machine or the girl of dreams anymore. I will spare you the details of my relationship. What I can tell you is this. This one piece of ...