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[–] • 1 pt

I am very careful with finances. I don't understand how it gets that bad for some people. However, I have had a TON of coworkers that live so above their means they are making $90k+/yr and are paycheck to paycheck.

You should not be allowed to graduate highschool without going through 3 years of personal finance and other "life" classes like cooking, basic home/car maintenance, etc..

[–] • 1 pt

I've worked with those same kind of people, they spend 105% of what they make.

[–] • 1 pt

Credit is great when used wisely. Back in 2003 I had a $50K limit card. I don't know why, all of my other cards were ~$10K limits. Anyway, it was in the days of ZIRP and NINJA loans. I got a credit offer in the mail from this card offering 0% interest 18 months for up to half of my available balance. I think it cost 1% for processing IIRC. I took out $20K to buy some land abutting land I was developing and that purchase alone enabled me to create $1.2M in additional houselots with no additional infrastructure. I paid the $20K back a couple of months early. I always have to smile when I reminisce that bit of creative financing.

Since then, I always pay my card off each month.

[–] • 1 pt

Insane. I understand people live paycheck to paycheck but even so cards should be used for emergency purchases. Furnace or car repairs, okay I can understand that, but this isn't 10k. These people are using these cards to fund lifestyles they can't afford. Fucked up...

[–] • 1 pt

Gotta have that latest shiny iPwn...

[–] • 1 pt

I want the one with the bigger GBs

[–] • 1 pt

I have 2 credit cards, a large loc and owe zero. I pay it off every month if I use it for the points. People need to be more disciplined. It's not easy but it can be done. Everyone has to have everything, bars, restaurants, new clothes, new cars, bikes, boats, travel, sporting events, concerts in order to look cool and fit in.

[–] • 1 pt

Unfortunately in this fucked up world having things, more often than not, means having debt.