jujubiee4
DIS Veteran
- Joined
- Jan 5, 2013
Maybe. Interest rates have been low for years which makes using credits cards easy and even beneficial at times. Some people carry credit card debt, but still have large 401k's and savings. I think you have to look at person overall financial health. The statistics don't really look at that. I never automatically assume because a person has a large credit card balance that they are not well off financially. I'd rather pay off a disney cruise in 6 months with the interest free offer then pull money out of my savings.
Most of the people I meet on DCL cruises seem to be college educated and have careers that would support a disney cruise. True a lot of people in this country live paycheck to paycheck, but there's just as many that don't, and there's a lot of people in this country making a lot of money. I'm astounded at the amount of money being spent onboard. I went to a DVC lecture on our last cruise and couldn't believe the number of people that were making appointments to buy DVC. I don't think Disney will ever have a problem filling their ships.
I don't like paying ONE penny more than i have to....but that's just me. Any extra
money could be making interest elsewhere. We will continue to cruise long as we
can "comfortably" afford it. And right now Disney is making it tight
*side note. We just got our taxes done and i overheard the couple next to me
get upset at the amount of refund they were getting. They thought they were
getting much more and Booked a trip to Paris in June. They were hoping to pay
it off with their refund.
One of my best friends is a debt counselor and she tells me all the time..People
do a lot of assuming when it comes to money.
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