I paid off my last credit card today | |
Anonymous Coward User ID: 80025602 United States 02/11/2021 11:31 PM Report Abusive Post Report Copyright Violation | |
1guynAz
User ID: 78987609 United States 02/11/2021 11:32 PM Report Abusive Post Report Copyright Violation | Stay out of debt if you can. Only car and house should be bought on time. That's from a Christian perspective from a book on maintaining your finances. I'm happy for you! . . . Last Edited by 1guynAz on 02/11/2021 11:33 PM Living has taught me one thing; nothing is certain...except salvation through Jesus Christ! |
Kamchatka
Culturally outdated by choice User ID: 69103879 United States 02/11/2021 11:35 PM Report Abusive Post Report Copyright Violation | I've personally struggled with debt since losing my job in 2013. I was hired 11 months later in the current role that I'm in, but it took me a very long time, obviously, to get out of debt. Quoting: Big Daddy D Time to double down on the mortgage now. If you don't have an emergency fund, start one. If you have one, make it bigger/save more. Don't live beyond your means but try and live on 60% of your take home pay & bank the rest if possible. You never know when the car will need maintenance, refrigerator will go out, or God forbid, you lose your job. I work a second job as well and a lot of it is cash which we use at the grocery store, gasoline, etc. so 1) our purchases aren't tracked (no loyalty cards/accounts) and 2) the money never goes into the bank to be tracked/taxed either. I also buy tools and other items of necessity with the cash as well. Congratulations!! Getting out of debt was one of the most freeing things in my life and I'm sure it's that way for you too. Weight of the world off your shoulders. Blessings upon you! More deplorable all the time. |
hsimg
User ID: 75605896 United States 02/11/2021 11:36 PM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 79810565 United States 02/11/2021 11:42 PM Report Abusive Post Report Copyright Violation | I've personally struggled with debt since losing my job in 2013. I was hired 11 months later in the current role that I'm in, but it took me a very long time, obviously, to get out of debt. Quoting: Big Daddy D Time to double down on the mortgage now. If you don't have an emergency fund, start one. If you have one, make it bigger/save more. Don't live beyond your means but try and live on 60% of your take home pay & bank the rest if possible. You never know when the car will need maintenance, refrigerator will go out, or God forbid, you lose your job. I work a second job as well and a lot of it is cash which we use at the grocery store, gasoline, etc. so 1) our purchases aren't tracked (no loyalty cards/accounts) and 2) the money never goes into the bank to be tracked/taxed either. I also buy tools and other items of necessity with the cash as well. |
Anonymous Coward User ID: 80034371 United States 02/11/2021 11:45 PM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 55785319 United States 02/12/2021 12:03 AM Report Abusive Post Report Copyright Violation | |
JDeSanta
User ID: 79240247 United States 02/12/2021 12:03 AM Report Abusive Post Report Copyright Violation | |
SmoothSailing
User ID: 35509688 United States 02/12/2021 12:05 AM Report Abusive Post Report Copyright Violation | Congratulations! "A nation can survive its fools, and even the ambitious. But it cannot survive treason from within. An enemy at the gates is less formidable, for he is known and carries his banner openly. But the traitor moves amongst those within the gate freely, his sly whispers rustling through all the alleys, heard in the very halls of government itself. For the traitor appears not a traitor; he speaks in accents familiar to his victims, and he wears their face and their arguments, he appeals to the baseness that lies deep in the hearts of all men. He rots the soul of a nation, he works secretly and unknown in the night to undermine the pillars of the city, he infects the body politic so that it can no longer resist. A murderer is less to fear." Marcus Tullius Cicero |
Jmoore
User ID: 79781387 United States 02/12/2021 12:13 AM Report Abusive Post Report Copyright Violation | I've personally struggled with debt since losing my job in 2013. I was hired 11 months later in the current role that I'm in, but it took me a very long time, obviously, to get out of debt. Quoting: Big Daddy D Time to double down on the mortgage now. If you don't have an emergency fund, start one. If you have one, make it bigger/save more. Don't live beyond your means but try and live on 60% of your take home pay & bank the rest if possible. You never know when the car will need maintenance, refrigerator will go out, or God forbid, you lose your job. I work a second job as well and a lot of it is cash which we use at the grocery store, gasoline, etc. so 1) our purchases aren't tracked (no loyalty cards/accounts) and 2) the money never goes into the bank to be tracked/taxed either. I also buy tools and other items of necessity with the cash as well. Only debt my family has is the mortgage. We owe around 80k to the bank for this house and we have about 20,000 in savings. So we are good if one of us gets laid off. I finally convinced my wife to sell this overpriced piece of shit house in the city so that we can move a little further out on a half acre of land. We then plan on having a company build the exterior of a house for us while we finish all the work on the inside. I am hoping by doing this we can eliminate all of our debt including the mortgage. Sure we probably won't have the house finished but I think it makes much better sense to live in a partially unfinished home and pay each month to finish the house versus going into debt and losing the house when the economy goes belly up. Or at least that is my plan. I hope I can complete it before the Demoshits roll out the great reset. |
Leagsaidh
User ID: 79843106 United States 02/12/2021 12:13 AM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 77999583 Netherlands 02/12/2021 12:21 AM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 78994908 United States 02/12/2021 12:23 AM Report Abusive Post Report Copyright Violation | Congrats....I almost commited suicide due to financial issues. I still owe over 55K and after paying loans, rent etc monthly I only take home about $150... Quoting: Anonymous Coward 77684485 Yup $150 monthly Is all the cash I have left over monthly...Been like that for about 3 years. I wake up thinking about cash issues and go to sleep thinking of it. My life is hell. I only dream that someday I’ll be like you op and at least get my credit cards payed off. This is not a joke...Many out here in the real world cry themselves to sleep at night. Have you lookes into filing bankruptcy? |
President Penny Peppers
User ID: 73657754 United States 02/12/2021 12:44 AM Report Abusive Post Report Copyright Violation | Congrats....I almost commited suicide due to financial issues. I still owe over 55K and after paying loans, rent etc monthly I only take home about $150... Quoting: Anonymous Coward 77684485 Yup $150 monthly Is all the cash I have left over monthly...Been like that for about 3 years. I wake up thinking about cash issues and go to sleep thinking of it. My life is hell. I only dream that someday I’ll be like you op and at least get my credit cards payed off. This is not a joke...Many out here in the real world cry themselves to sleep at night. There's never a dull moment here on planet earth, unless GLP ceased to exist... Oh, and Biden can't dress himself.... |
President Penny Peppers
User ID: 73657754 United States 02/12/2021 12:46 AM Report Abusive Post Report Copyright Violation | |
Soundman
User ID: 40546062 United States 02/12/2021 12:46 AM Report Abusive Post Report Copyright Violation | I'm just kidding, great plan but then Ole Joe may forgive $50K in student loans and you like I did it the hard way... Soundman |
Tone Loc
User ID: 79180288 United States 02/12/2021 12:51 AM Report Abusive Post Report Copyright Violation | Im no financial expert but I read after u pay one off put that money toward the next debt and keep doing that. After u pay afew off the money will snowball and compound in erasing your debt. Or file bankruptcy. Rich people do it all the time. Or Park the car outside and tell them to come take it. Save that money and keep driving it till they repo it . Then buy a used car. Quit buying stuff . Shop at goodwill. Go to free food giveaways. Get a side hustle. |
Anonymous Coward User ID: 77181591 United States 02/12/2021 12:54 AM Report Abusive Post Report Copyright Violation | I've personally struggled with debt since losing my job in 2013. I was hired 11 months later in the current role that I'm in, but it took me a very long time, obviously, to get out of debt. Quoting: Big Daddy D Time to double down on the mortgage now. If you don't have an emergency fund, start one. If you have one, make it bigger/save more. Don't live beyond your means but try and live on 60% of your take home pay & bank the rest if possible. You never know when the car will need maintenance, refrigerator will go out, or God forbid, you lose your job. I work a second job as well and a lot of it is cash which we use at the grocery store, gasoline, etc. so 1) our purchases aren't tracked (no loyalty cards/accounts) and 2) the money never goes into the bank to be tracked/taxed either. I also buy tools and other items of necessity with the cash as well. Good job and excellent advice. We finally paid off our cards about two years ago and now pay them off monthly. Plus finally paid off the house. All the cars are old but paid for. It's nice being debt free. |
Helios Maximus
User ID: 74772411 United States 02/12/2021 12:57 AM Report Abusive Post Report Copyright Violation | I wrote a check yesterday. The will of the people is the only legitimate foundation of any government, and to protect its free expression should be our first object. ~ Thomas Jefferson, Inaugural Address, 1801 It is not only vain, but wicked, in a legislator to frame laws in opposition to the laws of nature, and to arm them with the terrors of death. This is truly creating crimes in order to punish them. ~ Thomas Jefferson, 1779 |
Anonymous Coward User ID: 79664030 United States 02/12/2021 01:04 AM Report Abusive Post Report Copyright Violation | I don't have credit cards. Never did. I struggled with never having money til I decided to save everything I fucking could for a year. Here I am a year later. 20k in the bank. $6700 tax return coming. And $4200 covid check coming. I will be in a very good position soon if they don't crash the dollar which is what I suspect they are going to do. |
Anonymous Coward User ID: 77457727 United States 02/12/2021 01:11 AM Report Abusive Post Report Copyright Violation | |
J Girl
User ID: 71700611 United States 02/12/2021 01:17 AM Report Abusive Post Report Copyright Violation | |
Tone Loc
User ID: 79180288 United States 02/12/2021 01:18 AM Report Abusive Post Report Copyright Violation | I've personally struggled with debt since losing my job in 2013. I was hired 11 months later in the current role that I'm in, but it took me a very long time, obviously, to get out of debt. Quoting: Big Daddy D Time to double down on the mortgage now. If you don't have an emergency fund, start one. If you have one, make it bigger/save more. Don't live beyond your means but try and live on 60% of your take home pay & bank the rest if possible. You never know when the car will need maintenance, refrigerator will go out, or God forbid, you lose your job. I work a second job as well and a lot of it is cash which we use at the grocery store, gasoline, etc. so 1) our purchases aren't tracked (no loyalty cards/accounts) and 2) the money never goes into the bank to be tracked/taxed either. I also buy tools and other items of necessity with the cash as well. Only debt my family has is the mortgage. We owe around 80k to the bank for this house and we have about 20,000 in savings. So we are good if one of us gets laid off. I finally convinced my wife to sell this overpriced piece of shit house in the city so that we can move a little further out on a half acre of land. We then plan on having a company build the exterior of a house for us while we finish all the work on the inside. I am hoping by doing this we can eliminate all of our debt including the mortgage. Sure we probably won't have the house finished but I think it makes much better sense to live in a partially unfinished home and pay each month to finish the house versus going into debt and losing the house when the economy goes belly up. Or at least that is my plan. I hope I can complete it before the Demoshits roll out the great reset. Started our house when I was teenager. Was 20ft by 20ft. Now its over 2000 sq ft. Built it out of used lumber . I pulled alot of nails out of 2 by 4s as a teen. Pulled out of dumpster at residential job sites. Got a few pallets of glass from a hospital job. Gonna use the rest on a green house this year. Even had a out house till we saved enough for septic. Im 35 now and its just about finished. Got granite off a remodel of a court house. Have a brick and granite kitchen sink with the drawers made of old barn boards. Its easy to live in a place while fixing it up. The living room was just sheetrock for years lol. The outside I took brown tin and ran it sideways instead of up and down. Looks like siding to me. Trimmed it in white around the corners and windows. Im a bricklayer by trade. But in my county a brick house is the highest tax. Tin was the cheapest. Put all the brick on the inside. Didnt raise the taxes. Heck we had just paper on the outside of house for years b4 siding it. Its pretty nice now and almost complete. And very original house. Problem is we keep adding to it. Got the garage to finish. And ill add more to the kitchen and make my kids rooms bigger. Also my dad almost beat the tax assessor up when he was being nosy while my sister was home alone in a towel out the shower. He was on a phone call in his office and my dad jerked the cord out the wall and pushed his desk and pinned him to the wall.luckily cousin is the town cop and said u don't have right to trespass u call him and make an appointment if u need to go on his land ever again. Also he never put an end date to our building permit so my dad is determined to never pay for a permit again been building over 20 years lol. The tax guy just asks my dad to inform him if we add on. Also the we got out of paying the well guy. A piece of equipment broke and tried to charge us. Also they didnt backfill all they dug. We didn't pay. They put lien on the house . Went to court and we won that one. I mean we paid but got out of half of the bill since guy was trying to act stupid . Its like a uber driver charging u if there engine breaks. |
Anonymous Coward User ID: 34171108 United States 02/12/2021 01:24 AM Report Abusive Post Report Copyright Violation | |
Lance Roseman From BC
User ID: 77547432 Canada 02/12/2021 01:34 AM Report Abusive Post Report Copyright Violation | Yes, and OP didn't take the Bankruptcy route, he stood with honour and made amends for past purchases long since forgotten. Unlike the silky tongued beasts here who say 'rack it up and go Chapter 7'...they may have gotten away with it, more then likely, demons do. But OP went through the rigours of actually owning his misdeeds, and stood before them and then, conquered them. That feeling is something these bankruptcy dolts will never get. The satisfaction of owning yourself. If you are not busy weaving your own magick, you are trapped in anothers spell. “It’s time you realized that you have something in you more powerful and miraculous than the things that affect you and make you dance like a puppet.” – Marcus Aurelius |
Anonymous Coward User ID: 77299565 United States 02/12/2021 01:38 AM Report Abusive Post Report Copyright Violation | |
Violetag
User ID: 79488186 Netherlands 02/12/2021 01:43 AM Report Abusive Post Report Copyright Violation | I've personally struggled with debt since losing my job in 2013. I was hired 11 months later in the current role that I'm in, but it took me a very long time, obviously, to get out of debt. Quoting: Big Daddy D Time to double down on the mortgage now. If you don't have an emergency fund, start one. If you have one, make it bigger/save more. Don't live beyond your means but try and live on 60% of your take home pay & bank the rest if possible. You never know when the car will need maintenance, refrigerator will go out, or God forbid, you lose your job. I work a second job as well and a lot of it is cash which we use at the grocery store, gasoline, etc. so 1) our purchases aren't tracked (no loyalty cards/accounts) and 2) the money never goes into the bank to be tracked/taxed either. I also buy tools and other items of necessity with the cash as well. Well done sir. My parents taught me to never go into debt for anything but a house. people paying 10-20% interest on consumables / cars etc are really just giving away their money to the bank. If you really need a car buy one within your means drive a piece of crap for a couple of years until you can afford a nice one. Your bottom line will be so much better without Debt. Kryten |
Fluffy Pancakes
User ID: 35993025 United States 02/12/2021 01:49 AM Report Abusive Post Report Copyright Violation | Awesome!!!! I have short of 300 in debt left. Shoon..... Things are bad enough, there is no need to make anything up. ~Fluffy "Never interrupt an enemy in the process of destroying himself." Quercitin and zinc...Get it. Take it. Visit howbad.info...If you took the shot, for sure. |
@MoonPie
User ID: 28698215 United States 02/12/2021 01:51 AM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 77806767 United States 02/12/2021 01:53 AM Report Abusive Post Report Copyright Violation | |