Absolute Me (in credit terms)

I just read this blogger discussing about credit card. The blogger's wife commented that when she used to buy things, she didnt buy them with money but emotions. Each time before you swipe the card, you're probably thinking that "It's ok that i can't pay today, I can find a way to pay for it later."

BUT

The Present You doesn’t really know the Future You.

"I’ve thought often about how the Future Me always seems to be vastly different than the Present Me — and different than I would have predicted. Yet I used to make dumb decisions in the present as if my future self would somehow develop the superpowers to save me. Instead, Future Me simply ended up cursing my past choices."

I realized that i'm behaving this way everytime before i go on a holiday - drawing the money out from my savings and spending the commission that i have not yet received. Thinking that in the future i will have more extra cash to pay for this. And omg, all these positive thinking happens in a flash and fun-filled excitement when paying for the airticket/hotel online. Although I do have extra cash to spend now than a 1 year back, but the amount is not as much as i had pictured then. So friends, let's try not use ur emotions to make my emotions buy things.

Assess my own accounts, the only part of the Financial Freedom i have achieved now is that i have no debt or liability which i am cautious not to incur any (by not having a car). The more critical part is that i have no Assets and assets takes capital to build which i am at least 2 - 4 years financially lagged behind most of my peers and probably will not have a dual income supplement in the future.

CONCLUSION:

When the Present You is picturing a future you, please try to picture me as an actual Past You (2-4 years ago) cause that's the Present Me. And those already married, please kindly divide by 2 to get the Absolute Me. Thanks~!