1. Don’t keep track of your money. At all. After all, paying over-limit and insufficient fund fees are a great way to accumulate more debt.
2. Use credit cards for everything. But make sure to not pay them off in full each month. You want to float some of that money for a rainy day, or something. After all, it’s like *your* money since the credit card lets you have it, right?
3. Don’t save. Saving is like the anti-debt. Don’t save anything, for any reason.
4. Shop for fun, and make sure to let your impulsive side show. Buying on impulse is a great way to keep that debt running high.
5. Interest rates? Cash back? Who cares! I want a credit card that is pretty and matches my purse*. Oh, and can I put a picture of my cat/dog/kid on it? Even better….
6. Buy the most house the bank will let you. Because if the bank will give you the money, it has to be okay.
7. Do not shop around. Just buy it wherever, would it really save you any money to check prices? In fact, I saw a commercial where it was just a waste of time to check prices and commercials never lie. Do not confuse this with “do not shop”. Shopping is good. Shop early, late, and often.
8. Credit card full? Get another. Or move the balance somewhere else and charge it up again.
9. Or – wait! Put it all into a home equity loan! Then charge it up again. Awesome.
10. Don’t care. That’s the biggest one. Just… don’t … care. Don’t let debt keep you up at night. Don’t worry – be happy.
*Those who know me well will know this list is not my actual advice because I never carry a purse. In fact, I do not even own a purse.