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re: I managed to save $30k
Posted on 1/25/19 at 1:58 pm to Desert King
Posted on 1/25/19 at 1:58 pm to Desert King
0
Posted on 1/25/19 at 1:58 pm to Desert King
quote:
I managed to save $30k
In an emergency fund over 2 years when I was making only $45k out of college
No you didn't. You didn't save 1/3 of your gross pay with no help.
Posted on 1/25/19 at 1:58 pm to Desert King
You must be white.
Damn crackers always projecting their cracker privilege on us.
Damn crackers always projecting their cracker privilege on us.
Posted on 1/25/19 at 1:58 pm to Desert King
No you didnt. Not in this decade anyway. Maybe in the 50s.
This post was edited on 1/25/19 at 1:59 pm
Posted on 1/25/19 at 1:59 pm to Desert King
You likely got $10k in EITC to supplement your income but you probably made too much for WIC (varies by state). Your child's healthcare was also likely free. Did you have to pay for the birth or was that taken care of by someone else too?
Posted on 1/25/19 at 1:59 pm to Desert King
quote:
I managed to save $30k in an emergency fund over 2 years when I was making only $45k out of college, married and had 1 child. And that was with my wife staying home.
All by switching to GEICO.
Posted on 1/25/19 at 2:00 pm to boogiewoogie1978
quote:Nobody with one kid and a household income of 45k is paying much in the way of income tax. That’s not exclusive to the OP.
So you didn't pay any taxes?
Posted on 1/25/19 at 2:02 pm to Desert King
"If I can do it, anyone can!"
So what are you saying, you're just an average guy with average intelligence and no real extraordinary ability?
Otherwise, it really doesn't make sense to hold average to below average people to an above-average standard.
So what are you saying, you're just an average guy with average intelligence and no real extraordinary ability?
Otherwise, it really doesn't make sense to hold average to below average people to an above-average standard.
Posted on 1/25/19 at 2:02 pm to Crimson Wraith
1) Always buy on credit to rack up points. I’ve had a shite ton of reward travel.
2) Always pay off the entire balance
3) high credit limit so utilization rate is low.
Credit cards are a rewards gold mine if you get the right cards and make sure you’re never letting the balance carryover and collect interest.
2) Always pay off the entire balance
3) high credit limit so utilization rate is low.
Credit cards are a rewards gold mine if you get the right cards and make sure you’re never letting the balance carryover and collect interest.
This post was edited on 1/25/19 at 2:05 pm
Posted on 1/25/19 at 2:04 pm to Desert King
Unless you were living with your parents, I don't believe anything you posted.
Posted on 1/25/19 at 2:04 pm to Desert King
What year was this and how much was your rent lol
Posted on 1/25/19 at 2:05 pm to Crimson Wraith
quote:frick that. I use my credit card for everything. But I treat it as a debit card and only spend what I can immediately pay off. I love the rewards I get.
never buy on credit
Posted on 1/25/19 at 2:05 pm to WildTchoupitoulas
I'm laughing at all you broke d!cks in this thread who live paycheck to paycheck. Keep making excuses for why you can't ever save anything, while clicking away on your $1000 phones. It's toooooo hard.
Posted on 1/25/19 at 2:07 pm to Desert King
explain your budget in detail.
This post was edited on 1/25/19 at 2:07 pm
Posted on 1/25/19 at 2:07 pm to RogerTempleton
quote:
1) Always buy on credit to rack up points. I’ve had a shite ton of reward travel.
2) Always pay off the entire balance
3) high credit limit so utilization rate is low.
Credit cards are a rewards gold mine if you do it right.
I've been doing this for years myself. My balance is paid at the end of every cycle. Groceries, gas, etc.
I was talking about buying on credit and having to pay interest. I don't pay interest.
Posted on 1/25/19 at 2:07 pm to Desert King
quote:
I managed to save $30kIn an emergency fund over 2 years when I was making only $45k
None of this happened.
Posted on 1/25/19 at 2:10 pm to LewDawg
quote:
quote:
never buy on credit
frick that. I use my credit card for everything. But I treat it as a debit card and only spend what I can immediately pay off. I love the rewards I get.
I was talking about buying on credit and having to pay interest. I do the bonus point stuff and pay it off every month like you do.
Posted on 1/25/19 at 2:10 pm to Desert King
quote:
I'm laughing at all you broke d!cks in this thread who live paycheck to paycheck. Keep making excuses for why you can't ever save anything, while clicking away on your $1000 phones. It's toooooo hard.
How many tricks did your wife turn in that 2 year period?
Posted on 1/25/19 at 2:11 pm to Desert King
quote:
Keep making excuses for why you can't ever save anything
Okay, I guess you are of average intelligence, and if you can do it, literally anyone can.
Posted on 1/25/19 at 2:12 pm to Desert King
quote:
In an emergency fund over 2 years when I was making only $45k out of college, married and had 1 child. And that was with my wife staying home.
bullshite that you lived on less than 30k a year with a wife and child. Maybe 3 decades ago. Not recently.
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