Ugh, Credit
I need to get a credit card. But I don't want to get a credit card.

I need to buy a mattress, and I tried to finance one today. But my credit application was denied -- even though I know I have a very good credit score. I can still finance the mattress, thanks to the store's "no credit check" plan, but still ... I thought I was in the clear.

I haven't been told why I was denied yet, but some independent research tells me some bureaus will deny a credit app because the person doesn't have enough credit. Other than my Dell account and the student loans I'm repaying, I have no other open accounts in my credit report. Apparently, they want you to have at least three at a time.

Which is where credit cards -- the one thing I don't want right now -- could come in. I just have to be very careful with it.

Sometimes I think this whole being a grown up thing is horribly overrated.