i was ass raped yesterday.............

[HAYEZ]

You are maxed $20K in debt and you are trying to buy a mercedes?

Bro, your financial choices are super shitty. I don't mean that with malice.

Get rid of the boat, go buy a car you can afford and stay out of debt.

True freedom comes from staying out of debt you can't manage, not maxing your credit to buy toys. They are just things.


Getting screwed in the butthole doesn't feel good, but you did this to yourself amigo.

i have the cash to pay the cards off...id rather have a savings of 20k instead of no money only to save a few hundred a month in payments!

 

[HAYEZ]

I have a friend thats 65-70k in the hole. Newer cars, boat, nice house, etc. I tell him he's a retard all the time. Its gonna catch up with him some day, and you can bet when it does as his friend I'll be there to point and laugh at him.

lol...thats what friends are for to kick you when your down! lol

 

[dabuffguy]

i have the cash to pay the cards off...id rather have a savings of 20k instead of no money only to save a few hundred a month in payments!

well, it obviously has bitten you in the ass. Good luck with it though bro.


I'm not trying to sound like a douche. I'm a pretty frugle spender, aside from my car. But even then, I paid cash for it (100K) and would never put myself in a financial bind for a toy. That is impractical and irresponsible IMO.

 

[puddlemonkey]

I'm a pretty frugle spender

AKA cheap

 

[Mr. dB]

i have the cash to pay the cards off...id rather have a savings of 20k instead of no money only to save a few hundred a month in payments!

Insane. There's no way the $20K in cash is earning as much interest as the $20K in debt is running up.

 

[dabuffguy]

AKA cheap

Hiya Buddy!


lol, No, not at all.

Cheap and frugle are not the same at all. I'm just not a shop-o-holic and blows money on senseless bullshit. (not talking about you hayez). I don't buy dinky crap that I don't need, which most people do buy senseless garbage all the time. I save my money, have a solid savings account that I continue to build on. I prepare my own meals, which is more healthy and cost effective. I buy nice clothes, but not $200 for a pair of jeans/pants like some. etc etc.

 

[HAYEZ]

well, it obviously has bitten you in the ass. Good luck with it though bro.


I'm not trying to sound like a douche. I'm a pretty frugle spender, aside from my car. But even then, I paid cash for it (100K) and would never put myself in a financial bind for a toy. That is impractical and irresponsible IMO.

the boat was for pussy on the weekend..got to love the sandbars,.lol..yes irresponsible.....

car i do outside sales so when i am with customers i am always meeting them and taking them to diff locations...so i need a somewhat nice car to do so...my last car was a 328 bmw but interior started getting worn so had to sell it...cannot look poor in front of a client...they dont take you serious if you look like shit..

 

[dabuffguy]

Insane. There's no way the $20K in cash is earning as much interest as the $20K in debt is running up.

exactly. If you have the money, pay for it up front. Don't want to drain your bank account? Don't buy a boat.

Paying interest against money you actually have? That is a big no-no. a total bonehead way to think about it, paying more money over a longer period of time vs paying less total money in one sweep. Your basically throwing $$XXX a month into the trash can.

 

[puddlemonkey]

they dont take you serious if you look like shit..

You'd better hit the gym

 

[HAYEZ]

Insane. There's no way the $20K in cash is earning as much interest as the $20K in debt is running up.

its not gaining any interest...my job is in sales..i only am paid commission..i sometimes go without a paycheck for months at a time...that is the reason i need a decent saving for cushion