I need to add Paid Twice to my RSS reader… The concept of snowflaking is obviously profound and strong. However, keep in mind that negative snowflaking occurs as well. If the though “Oh, it’s just $5 a month in interest!” ever crosses your mind, you’re running into negative snow flaking. “Just one more cookie!” follows the same process for weight gain. I know if I use the “oh, it’s only another X calories!” argument, I wind up gaining more weight, if I use the “uhh, it’s another X Calories! bad!” argument, I either maintain or lose.

Building wealth is hinged completely on doing lots of small things to accumulate wealth. Losing wealth is hinged on simply letting the small things by, or letting them stack up against you (I.E. high interest credit cards).

What really sucks is the fact that they can charge *you* 20% APY, but you’d be hard pressed to find a 5% APY savings account.