Credit is Debt.

When I reflect on the word credit, I understand why using the symbolic plastic card does not immediately flash the message ‘Warning … warning.  Danger!’  to travel on my thought stream and register caution within the brain.  The word evokes an uplifting and harmless connotation. 

“1.)  Belief or confidence in the truth of something.  2.) The reputation of sound character or quality.  3.) A source of honor or distinction.”  *  Why shouldn't I be proud to say:  I have great credit.  But, continuing through the listing, far down, mixed with all of the optimism is 9a: “An arrangement for deferred payment of a loan or purchase.”* 

Credit is Debt.  This knowledge brings to light a negative register of words:  an obligation, a liability, and an offense … something I owe.  Lack.  Debt takes away the choices that I have.  Debt limits the possibility of each day and I have come to a decision:  2012 is my year to not spend more than I make and further, to save.   Taking the necessary action offers boundless potential.  I promise to share at the end of the year the result.

*The American Heritage Dictionary of the English Language.  Fourth Edition