I think one financial problem that has plagued many people is losing their wallets. Some people put a lot of stuff in their wallets and when they lose it they have to replace multiple credit cards, Costco, Safeway, other membership cards or identifications, etc.. It’s a big hassle (╯°□°）╯︵ ┻━┻ But when I look at the pile of cards I have myself I realize that I don’t even use most of them on a daily, or even weekly bases. In order to simplify my life I have decided to always leave my wallet at home when I go out 🙂
I only bring what I need with me. That means on Mondays to Fridays I bring my driver’s license, a credit card, and a few banknotes with me to work. These items hardly take up any space and is very inconspicuous in my pocket. When I go shopping on the weekends, I might only bring some cash for example. Most places I go to buy food don’t even accept credit cards so there’s not much incentive to take my cards with me （＾ｖ＾） The point is to plan ahead and bring only what I need for that trip.
Leaving what I don’t need at home greatly reduces the risk of losing them, and also decreases the risk of identity theft. Not to mention, it deters impulse shopping, which not only saves money, but can also help me make those tough lifestyle decisions. Oh look, buffalo wings for only $8.99. But I didn’t bring enough money today. Never mind, I’ll just go with the milk and eggs as planned >^_^<
My friend got his wallet stolen at a gym before. Somebody broke into his locker. It’s no surprise that public changing rooms aren’t the safest place for personal belongings. If only he left his wallet at home. Even leaving the wallet in the car, and only bring his gym membership into the building would have been safer. At least there are security cameras in the parking lot and he has insurance if someone breaks into his car. We all know the saying don’t put all your eggs in one basket. Investors shouldn’t put all their money into one stock. So by extension I think neither should we put our personal identity and all our spending money into one foldable case, and then expose it to the outside world every day. I may have 99 other problems, but losing my wallet ain’t one 😀