what you guys do with it?
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what you guys do with it?
no1lowr
+1y
my debt is normal debt, thats the only reason i was considering it, plus the 10k came from a favor i did for a realtor, anyway, i got a bug in my ass but i think you guys are right. building something would be sweet just because its like a freebie build but man i hate payin bills.
no1lowr
+1y
Originally posted by laidout94toy
YOU SOLD THE 4RUNNER!!!!!!!!!!!!!!!
no
YOU SOLD THE 4RUNNER!!!!!!!!!!!!!!!
no
FluffyFreak
+1y
pay off the bills man!
dssur
+1y
pay off debt. Revolving debt is like a tax on the finacially stupid.
Credit is a catch 22, people who want credit cant get it and people who have good credit dont need it. Here are all the lies people use to justify it:
1) He who dies with the most debt wins: No, he who dies with the most debt gets put in a lawn and leaf bag and tossed out with the trash by his family because they cant afford a funeral. I'd like to know how dying is winning anyway.
2) I keep a credit card for emergencies: If you saved up 100 dollars a month for a couple years you would have an emergency fund without 21% interest.
3) You need good credit to get loans: No, you dont. You need good credit to get low interest rates, and if you SAVED to buy a car or house and live within your means, you can circumvent the entire borrowing process. But too many people buy new cars instead of four year old ones, and build houses expecting their income to increase over time.
4) You need to have a good credit score: Not true. You only really need a good credit score to be able to get MORE credit anyway, and how often are you buying houses? See the above.
You know what the credit card companies call people who pay off their balances? Deadbeats. Look it up. They want you to pay 21% interest for the rest of your life, its the ultimate magic trick, they have made money from thin air.
Sorry for the rant.
Credit is a catch 22, people who want credit cant get it and people who have good credit dont need it. Here are all the lies people use to justify it:
1) He who dies with the most debt wins: No, he who dies with the most debt gets put in a lawn and leaf bag and tossed out with the trash by his family because they cant afford a funeral. I'd like to know how dying is winning anyway.
2) I keep a credit card for emergencies: If you saved up 100 dollars a month for a couple years you would have an emergency fund without 21% interest.
3) You need good credit to get loans: No, you dont. You need good credit to get low interest rates, and if you SAVED to buy a car or house and live within your means, you can circumvent the entire borrowing process. But too many people buy new cars instead of four year old ones, and build houses expecting their income to increase over time.
4) You need to have a good credit score: Not true. You only really need a good credit score to be able to get MORE credit anyway, and how often are you buying houses? See the above.
You know what the credit card companies call people who pay off their balances? Deadbeats. Look it up. They want you to pay 21% interest for the rest of your life, its the ultimate magic trick, they have made money from thin air.
Sorry for the rant.
clenzer72
+1y
If you don't like paying your bills i'll be more than happy to let you pay mine!
Pay off the cards man. then save whatever you were paying every month. You'll have more money in the long run, and more money in your pocket every month.
I payed off 15k in credit card debt about a year ago. it was tuff, but it's much better not having that big dollar amount over your head. Just look at all the money your paying in stupid interest everymonth.
Pay off the cards man. then save whatever you were paying every month. You'll have more money in the long run, and more money in your pocket every month.
I payed off 15k in credit card debt about a year ago. it was tuff, but it's much better not having that big dollar amount over your head. Just look at all the money your paying in stupid interest everymonth.
bill brasky
+1y
Originally posted by Russ-D
pay off debt. Revolving debt is like a tax on the finacially stupid.
Credit is a catch 22, people who want credit cant get it and people who have good credit dont need it. Here are all the lies people use to justify it:
1) He who dies with the most debt wins: No, he who dies with the most debt gets put in a lawn and leaf bag and tossed out with the trash by his family because they cant afford a funeral. I'd like to know how dying is winning anyway.
2) I keep a credit card for emergencies: If you saved up 100 dollars a month for a couple years you would have an emergency fund without 21% interest.
3) You need good credit to get loans: No, you dont. You need good credit to get low interest rates, and if you SAVED to buy a car or house and live within your means, you can circumvent the entire borrowing process. But too many people buy new cars instead of four year old ones, and build houses expecting their income to increase over time.
4) You need to have a good credit score: Not true. You only really need a good credit score to be able to get MORE credit anyway, and how often are you buying houses? See the above.
You know what the credit card companies call people who pay off their balances? Deadbeats. Look it up. They want you to pay 21% interest for the rest of your life, its the ultimate magic trick, they have made money from thin air.
Sorry for the rant.
Sounds like someone has been listening to Dave Ramsey. Good for you!
Now, I would say hand the 10 grand to that really cool Nebraska guy you talked to at FFF.
But as a friend I will say pay off the debt and put the rest in the bank...or mutual funds.
pay off debt. Revolving debt is like a tax on the finacially stupid.
Credit is a catch 22, people who want credit cant get it and people who have good credit dont need it. Here are all the lies people use to justify it:
1) He who dies with the most debt wins: No, he who dies with the most debt gets put in a lawn and leaf bag and tossed out with the trash by his family because they cant afford a funeral. I'd like to know how dying is winning anyway.
2) I keep a credit card for emergencies: If you saved up 100 dollars a month for a couple years you would have an emergency fund without 21% interest.
3) You need good credit to get loans: No, you dont. You need good credit to get low interest rates, and if you SAVED to buy a car or house and live within your means, you can circumvent the entire borrowing process. But too many people buy new cars instead of four year old ones, and build houses expecting their income to increase over time.
4) You need to have a good credit score: Not true. You only really need a good credit score to be able to get MORE credit anyway, and how often are you buying houses? See the above.
You know what the credit card companies call people who pay off their balances? Deadbeats. Look it up. They want you to pay 21% interest for the rest of your life, its the ultimate magic trick, they have made money from thin air.
Sorry for the rant.
Sounds like someone has been listening to Dave Ramsey. Good for you!
Now, I would say hand the 10 grand to that really cool Nebraska guy you talked to at FFF.
But as a friend I will say pay off the debt and put the rest in the bank...or mutual funds.
no1lowr
+1y
the rest, lol, this would about eat up my debt minus a few grand but hey, thought i would ask the pros. i knew the answer but its hard when its just cold chillin ready to be used for something sweet.
DooredFord
+1y
Pay off the credit cards. I've got loans out to have my truck where it is nowhere near done and it SUCKS! I wish I had 10,000 to pay off bills which all point to the truck.
dssur
+1y
Originally posted by Bill Brasky
Sounds like someone has been listening to Dave Ramsey.
Never heard of him. But I looked him up on wikipedia and agree with a lot of what he says, especially with budgeting. I run three budgets in my house, just like a business would, with different functional areas.
Sounds like someone has been listening to Dave Ramsey.
Never heard of him. But I looked him up on wikipedia and agree with a lot of what he says, especially with budgeting. I run three budgets in my house, just like a business would, with different functional areas.
simple-pleasurez
+1y
you should do two chicks at the same time