.jpeg)
にほんブログ村
Hello. I’m Yasui, the president of a one-person company specializing in inspections of high-pressure gas equipment.
The repair of four stainless steel buckets with holes is finally complete, and today my friend delivered them to the user. Tomorrow, I plan to return to manufacturing our in-house equipment.
Due to consecutive days of welding, my argon gas supply is running low. I’ve used up a 7㎥ cylinder, yet my welding skills haven’t improved at all (^^;) Welding is truly difficult… Conducting weld inspections and confirming there are no cracks has made me realize just how incredible that is.
Organizing the Things Around You
Lately, I’ve been sorting through unnecessary things that have accumulated without me realizing it. One such item is credit cards.
Have you ever applied for a store credit card because it was free and you used to shop there often, but then ended up not using it? While a card might have seemed beneficial at first, if you no longer use it, it becomes nothing more than a risk for fraud rather than a financial advantage.
For my business, the annual fees on my company credit cards have increased, so I need to switch to a more cost-effective option.
Some credit cards charge annual fees but offer benefits, making them seem like a good deal. For example, certain cards (like dCard GOLD) offer perks if you spend a significant amount. However, even if you receive a ¥10,000 coupon for spending over ¥1 million, that money ultimately comes from the fees you’ve already paid. In some cases, you might even find yourself making unnecessary purchases just to meet the spending requirement.
If you strictly use credit cards only for essential purchases—like groceries or household necessities—and always pay in full, they can be beneficial. However, if you use installment or revolving payments with interest, it can quickly become a financial burden.
Using a credit card can also lead to excessive spending. Unlike cash, where you physically see your money depleting, card payments are just numbers on a screen, making it easier to overspend.
Of course, the benefit of accumulating points is appealing. Many cards waive the annual fee if you use them once a year, but you might be unknowingly paying fees for cards you rarely use.
Before credit companies take advantage of you, it’s a good idea to sort through your cards and lighten your financial load. With inflation rising faster than wages, it’s crucial to both find ways to increase income and manage expenses wisely.
This also applies to unused subscriptions. For example, I once had a Yahoo! Premium subscription that I forgot about. Even a small monthly fee of ¥600 adds up over time!
Many services are easy to sign up for but designed to be forgotten when it comes to cancellation. Be mindful not to get caught up in unnecessary spending.
Quote of the Day
"If you have too many credit cards or forgotten subscription services, cancel them immediately!"
See you next time!
Lastly, please click below to support my blog!
[Links to blog ranking sites]
