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Started By
Message
Posted on 4/13/14 at 9:55 am to yellowfin
quote:
I wouldn't be able to sleep at night
I sleep like a baby AND dream about all the cool shite I have.
This post was edited on 4/13/14 at 9:56 am
Posted on 4/13/14 at 9:56 am to FloridaMike
quote:
Dave Ramsey is an idiot
Meh, he's just pushing the envelope system, which had been around for quite some time before he started pushing it.
People are really frickin dumb with their money. Just spend shite without a single thought of saving or getting out of debt. The envelope system just helps you allocate money properly and consistently.
Posted on 4/13/14 at 9:58 am to 911Moto
I have plenty of cool shite I can afford
Posted on 4/13/14 at 9:58 am to RollTideATL
Right now I pay cash for pretty much everything. I have a credit card but don't use it. I'll start using it and paying it off every month after I get my mom cut out of my finances
Posted on 4/13/14 at 10:04 am to Paul Allen
Again, proving you know
quote:
Zero.
Posted on 4/13/14 at 10:06 am to ShubutaMS
I average about $2500 a month. I put everything possible on them to get rewards.
You are missing out on alot if you don't us a card. Of course this is with the understanding that you can't act like a dumbass and spend more than you make and end up paying interest for years and years.
You are missing out on alot if you don't us a card. Of course this is with the understanding that you can't act like a dumbass and spend more than you make and end up paying interest for years and years.
Posted on 4/13/14 at 10:08 am to ShubutaMS
Zero. Credit it pointless when you have money
Posted on 4/13/14 at 10:09 am to DownshiftAndFloorIt
I pay cash for everything. Too many years of being a single mom and refusing to charge everything. I finally consented to letting my husband put me on his cards when the mortgage company said I literally had no credit. But I still never use them.
Posted on 4/13/14 at 10:17 am to madamsquirrel
Will have zero CC debt in about 12 days.
And my CC doesn't have rewards, so once it's paid off, I'll either close this one and open up one that does offer rewards, or I may just keep the old one for emergencies only. Haven't decided yet
And my CC doesn't have rewards, so once it's paid off, I'll either close this one and open up one that does offer rewards, or I may just keep the old one for emergencies only. Haven't decided yet
Posted on 4/13/14 at 10:18 am to madamsquirrel
Oh this thread again.
The credit card game is a hobby of mine. I love it.
The credit card game is a hobby of mine. I love it.
Posted on 4/13/14 at 10:20 am to Paul Allen
quote:
Zero. I know better than that.
lol...
Posted on 4/13/14 at 10:33 am to TXGunslinger10
quote:
And my CC doesn't have rewards, so once it's paid off, I'll either close this one and open up one that does offer rewards, or I may just keep the old one for emergencies only. Haven't decided yet
Do not close your CC if it has no annual fee. Just apply for another card with rewards. Put the one you don't use in a safe or sock draw, but don't close it.
Posted on 4/13/14 at 10:58 am to LT
quote:
I wonder how these companies make money off the rewards
People not paying on time, or the whole balance.
Posted on 4/13/14 at 10:59 am to TheIndulger
quote:
People not paying on time, or the whole balance.
And the merchant swipe fee
Posted on 4/13/14 at 11:05 am to Teddy Ruxpin
quote:
The credit card game is a hobby of mine. I love it.
this. i open at least 3 cards a year for the $400-$600 intro rewards.
hell in college i was opening cards to get free pizzas
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