Living within your means

[puddlemonkey]

LMAO! now answer the question about the divisum.

lol, I did, I don't know. She's at work now. I can call her tomorrow which I plan on doing anyway, or if I forget I'll be seeing her later this week. I my mom.

 

[hanselthecaretaker]

Credit card companies are a scam, and so is college, unless you're one of the exceptional. They often work hand in hand too, giving credit cards out to students whom they know need "money", so when the students finally graduate they have both massive student loans and credit card debt; unless they were fortunate enough to find a good part or even full time job during classes to help keep it down.
If credit card companies weren't crooked, they'd be more accurate as far as how much they'll let you borrow based on your income. Obviously they're letting people borrow too much if so many end up getting in over their heads, add-on interest rates, etc. Granted it's up to the person not to spend that much in the first place but in some cases many people don't have that luxury at a given stage in life.
I worked night shift almost full time during a year of school, part time otherwise and still have $20,000 student loans, $6,000 left of car payments, and an equal amount of CC debt. It's manageable but I still am a ways from having a career that I find both financially and personally satisfying. I never cared about the money as much as doing something I enjoyed getting up in the am for. Ironically the importance of money was preached to me all the while I was growing up too.

 

[GoldenDelicious]

ive never had cc debt or car loan (im a cash guy. if i dont have the cash, i dont get it ) but im about to get both, i think..

 

[calveless wonder]

debt is a good thing if you can leverage it properly. if you can borrow money, and make more investing it then it's a no brainer. or if you run a business, get paid on commission, etc. its sometimes a good way to float yourself temporarily

 

[heatherrae]

I don't have any cc debt. I do have a car payment, student loans, and a house pmt, though.

The student loan one is the one that HURTS.

 

[heatherrae]

Credit card companies are a scam, and so is college, unless you're one of the exceptional. They often work hand in hand too, giving credit cards out to students whom they know need "money", so when the students finally graduate they have both massive student loans and credit card debt; unless they were fortunate enough to find a good part or even full time job during classes to help keep it down.
If credit card companies weren't crooked, they'd be more accurate as far as how much they'll let you borrow based on your income. Obviously they're letting people borrow too much if so many end up getting in over their heads, add-on interest rates, etc. Granted it's up to the person not to spend that much in the first place but in some cases many people don't have that luxury at a given stage in life.
I worked night shift almost full time during a year of school, part time otherwise and still have $20,000 student loans, $6,000 left of car payments, and an equal amount of CC debt. It's manageable but I still am a ways from having a career that I find both financially and personally satisfying. I never cared about the money as much as doing something I enjoyed getting up in the am for. Ironically the importance of money was preached to me all the while I was growing up too.

hallelujah!!!

I was preached to that education is the answer to everything. I had full tuition scholarships and worked PT, but in 7 years racked up tons of student loans because I had to have money to live on, for books, etc.

I may have been better off if my dad would have taught me how to be a business person first. Alas, though, he doesn't know either. He has always been an employee and did well working at Ford, but that is sacrificing your body for money.

I see these people on TV shows flipping houses and making 6 figures in 6 weeks. I nearly want to throw up. I should have learned to do that instead...lol.

 

[jh1]

I have zero CC..

I paid my last lease up front.

This lease I am paying payments on though, divorce is expensive.

 

[CrazyRussian]

Uh...how is college a scam? The point of graduating and being up to your asshole in debt is that you will find a better, higher paying job that will allow you to pay off your debt and make more money in the future.

 

[hanselthecaretaker]

hallelujah!!!

I was preached to that education is the answer to everything. I had full tuition scholarships and worked PT, but in 7 years racked up tons of student loans because I had to have money to live on, for books, etc.

I may have been better off if my dad would have taught me how to be a business person first. Alas, though, he doesn't know either. He has always been an employee and did well working at Ford, but that is sacrificing your body for money.

I see these people on TV shows flipping houses and making 6 figures in 6 weeks. I nearly want to throw up. I should have learned to do that instead...lol.

Yup, having money certainly makes life easier lol. I wish I started up youtube or google. Wish wish wish, time to start doing.

 

[KillahBee]

I do it pretty well. Don't make much, don't need much. My "bullshit expenses" are controlled very well (i.e. drinking, eating out all the time, small little stuff like a daily soda, etc.). I have a few expenses that I can't necessarily afford (i.e. motorcycle) but they all directly correlate to my healthy happiness. So no worries here.