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Message
re: .
Posted on 12/21/18 at 2:42 pm to Ace Midnight
Posted on 12/21/18 at 2:42 pm to Ace Midnight
If you have to do Dave Ramsey then you are a fool who can’t do basic budgeting or exercise impulse control.
1
Posted on 12/21/18 at 2:42 pm to Mingo Was His NameO
quote:of $350 is roughly 0.014%. Can't wait to save roughly 0.014% of my lifetime purchases via my credit cards and the time value of money
5 cents.
quote:Which I currently do. That and the added layer of security between a damn gas pump and my bank account is why I have a credit card.
You'd also get the rewards on the card and probably have more free cash flow.
But definitely not time fricking value of money
How's your winter break going?
This post was edited on 12/21/18 at 2:46 pm
Posted on 12/21/18 at 2:44 pm to Yellerhammer5
quote:
Personal checks only for me
I wait until the cashier has given me my total before I start filling it out too.
Posted on 12/21/18 at 2:44 pm to Lacour
Credit cards give you free money for using their cards
No idea why you wouldnt use cards for everything
No idea why you wouldnt use cards for everything
Posted on 12/21/18 at 2:45 pm to Lacour
quote:Or if you're like someone I know, you've had some recent tough breaks and need some breathing room in the budget to support the family.
If you have to do Dave Ramsey then you are a fool who can’t do basic budgeting or exercise impulse control.
Posted on 12/21/18 at 2:45 pm to Harry Caray
quote:
of $350 is roughly 0.014%. Can't wait to save roughly 0.014% of my lifetime purchases via my credit cards and the time value of money
If you free all of that cash flow up on a couple thousand dollars a month and invest it you're talking several 10s of thousands of dollars by retirement, but frick it.
quote:
How's your winter break going?
Just left the office, won't be back until the third, I'll provide an update if you want me to.
Posted on 12/21/18 at 2:46 pm to Lacour
I pay cash or use my debit card for everything because I have the means to do so. If that makes me trashy and uneducated, so be it. 
Posted on 12/21/18 at 2:47 pm to Mingo Was His NameO
quote:We get it, you make too much money to have to ever worry about your finances.
If you free all of that cash flow up on a couple thousand dollars a month and invest it you're talking several 10s of thousands of dollars by retirement, but frick it.
Posted on 12/21/18 at 2:47 pm to Lacour
OP your post is stupid. You should consider having your mom abort you.
Posted on 12/21/18 at 2:48 pm to Harry Caray
quote:
We get it, you make too much money to have to ever worry about your finances
First, it doesn't matter how much money you make, if you aren't an idiot you care about your finances. Second, just about everyone spends a couple of thousand dollars a month after gas, groceries, bills, etc.
Posted on 12/21/18 at 2:50 pm to Harry Caray
quote:
You really think the time value of money is why people use credit cards? How much you expecting the value of a dollar to fluctuate between statements?
If you're paying it off as you go, paying with a credit card unequivocally saves you money and has added protections. You can laugh at the rates, but paying $5k cash today instead of $5k in a month with a credit card costs you about $8 in interest over that month.
Posted on 12/21/18 at 2:50 pm to Lacour
quote:
Lacour
I’m sorry you’re too poor and trashy to actually pay for your shite when you get it.
Posted on 12/21/18 at 2:51 pm to Harry Caray
quote:
Or if you're like someone I know, you've had some recent tough breaks and need some breathing room in the budget to support the family.
Nah. If I've learned anything from the OT, it's that bad decisions should be a death sentence.
Posted on 12/21/18 at 2:51 pm to Bryno1960
quote:
I pay cash or use my debit card for everything because I have the means to do so
So do I, and I get a free vacation every year from using my credit card
Posted on 12/21/18 at 2:52 pm to Darth_Vader
quote:
I’m sorry you’re too poor and trashy to actually pay for your shite when you get it.
I'm sorry you're too stupid to understand that's a less advantageous strategy.
Posted on 12/21/18 at 2:53 pm to Bryno1960
quote:
I pay cash or use my debit card for everything because I have the means to do so. If that makes me trashy and uneducated, so be it.
Doesn’t make you trashy but you’re missing out on cashback/rewards/miles that adds up. Also, if your credit card is compromised you don’t have anything to worry about. Same can’t be said about your debit card.
Posted on 12/21/18 at 2:53 pm to Lacour
Can you be more specific? I just had to go pick up 2 gift cards, I used my debt card because I didn't want to use my cash on this particular purchase. Am I trashy?
Posted on 12/21/18 at 2:53 pm to Mingo Was His NameO
quote:Misunderstood what you meant there, you meant save on a couple thousand of monthly purchases, not save a couple thousand, my bad.
Second, just about everyone spends a couple of thousand dollars a month after gas, groceries, bills, etc.
Ok, so 0.014% on $2,000 of monthly purchases comes out to about $0.29, rounding up. So yearly we're saving....
about $3.50
Posted on 12/21/18 at 2:53 pm to Lacour
quote:
Uneducated
Most people don’t understand what a credit card can do for you. I have over $1k of annual fees. What’s Dave Ramsey say about that?
Posted on 12/21/18 at 2:53 pm to Darth_Vader
quote:
I’m sorry you’re too poor and trashy to actually pay for your shite when you get it.
Another uneducated dumbass living in the stone ages.
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