Learning to be financial responsible

I helped my lil bro sign up for his first credit card today. I hope he will have a better start than I did. My credit is good, but I only became more responsible in the past few years. At least, my bro doesn't have to worry about a student loan or rent. Although my tuition was fully covered by scholarships/grants, I took out loans so that I could afford the dorm. After my first year at college, I couldn't return home. Let's just say that I get along much better with my family when I'm out of the house.

I don't recall the credit limit or %APR for my first credit card. The current offer at our credit union seemed reasonable. I didn't shop around for him since I had already done my homework for myself. The minimum $1,000 credit line at 12.9% APR for a student reward card seems like a good deal, especially since the %APR can be as low as 5.9% after building good credit. However, a college student with a part-time job could fall into trouble since $1,000 is a big chunk of change at that point in one's life.

As the eldest, I didn't have any big bro or sis to look after me. I have learned things on the way and have been lucky so far, if luck has anything to do with it. Sometimes I wish someone had taken me around to visit the different colleges so that I could make the best decision. Sometimes I wish someone had given me some guidance on my education and career path. Regardless, I've turned out ok (so far, I think). I've paid for my own way since college, so I can't stand spoiled kids, needless to say. A colleague mentioned that his highschool daughter is going on a scuba diving trip in Fiji soon. What?!?! I never went anywhere when I was in highschool, not that I am bitter or anything. Sure, I should be happy for others, but gimme a break. I'm not jealous per se, but talk about being spoiled. I need to have my own job and support myself. I don't think I can ever give up working, even if/when I have kids (but that would be up for negotiation when the time comes).

Well, I digress. I love being the big sis, who can bully her lil brothers- oops, I mean "teach them the way". I'm sure they think I'm overbearing, but I love (note the "L" word) them and would do anything for them. I hope I can help them whenever they need it, no matter what.