A
Yeah, well, you learned then, right?
B
Yeah, you learn the, you know, the hard way, you hate paying all that interest and I've never been one to itemize on my income, tax and never had enough to itemize and so it's just a big chunk of money and you realize that you're not buying anything on sale you're paying, so much more for that item, because you've got finance charge and the cost of having that card every year which is what, forty dollars sometimes just to have the card.
A
Yeah.
B
That's, a lot of money that you went to buy this item.
A
Uh-huh.
B
And then you never feel like you've got anything to p, to put into savings or anything, you're always just paying bills, paying bills, you know, you don't feel that you have any extra to save. And I hate, I hate living paycheck to paycheck. I like to have a little there, you know, that I can, save so I can feel that, you know, if something comes up I've got the money to pay for it,.