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My mom's credit was trashed after her divorce but she cleaned it up with some careful planning. There's hope!
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My mom's not allowed to have credit cards because she buys things with no control. So yea she has for the longest time had the worst credit of anyone I've ever known.
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Come on Andy, how can any man have a decent bachelor pad without good décor? It's pretty much mandatory. |
I don't end up using my credit card all that much; since I have lots of money to utilize I can usually pay on the dot, but if i'm presented with something especially expensive, then I may use the credit card on that. Debit cards are usually more suitable for me.
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I got a few chapters into the first book and soon realized it's never going to get better, since no matter how many shreds of hope the author puts in your face it just keeps getting worse. I promptly closed the book and burned it along with all my other good literature pieces like the devout religious man I am, and since I didn't finish it I can't be certain, but I have a feeling everyone dies. The end. |
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Those books are actually not that terrible from what I remember. They're not like ASOIAF where it's just realistic enough that you feel like you're in a real world, and I can't remember anyone dying (or at least none of the children? it's been a long time), so it can't be that bad.
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i don't have a credit card :o i probably should get one soon but im scared cause im worried i 'll forget to make payments lol.
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You can set it on autopay, that's what I do.
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I really don't see the point in having a credit card that I'm not reserving exclusively for emergencies. What's the point in a system of borrowing money and then paying it back with interest when you could spend money you'd already have in the same time frame just as well?
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The only reason I'd see myself needing a credit card is to buy things off of the internet, but one reason isn't enough in my opinion, and I'd also probably want to avoid annual fees just for owning one as well.
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When it comes to credit cards, since I don't have one I don't have to worry about getting charged to a line of credit when It comes to purchases. One card I have is a debit card. So when I make purchases with it, the money gets drawn from my checking account.
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Originally I had my credit card to just raise my credit, and it autopaid every month from my debit account, but it was very convenient when I was supposed to get 2k to move and my job didn't give it to me until a month after I started working but I needed to put down 1500 on an apartment before I got there. :) That counts as an emergency though!
Never giving up this card even though it's in a super inconvenient bank because the credit limit is so high that I know I don't have to worry about ever having a major emergency and needing a few thousand like an illness/injury or something that causes me to lose my job or car issues or rental issues. Nice to have that little cushion just in case. Most cards for people of my age are much lower credit limits though so the cushion is much smaller :( |
What kind of apartment in Chicago has a $1,500 down payment? The city isn't really reputatious for it's class. o_O
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It cost me $3600 for my apartment in San Francisco, but that's one city known only for its unreasonable prices.
Chicago is not cheap either though. My aunt lives there and originally had to live with three coworkers before she was given funds by her company to buy a place for herself and her daughter to live. |
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If you pay it back quickly, you don't have to worry about interest. Just use it for small things. A pack of gum, a soda, etc. and then pay it off. Then that goes to your credit report, and you build credit. I think a lot of people misconceive the whole credit card thing. Yeah, a lot of people use it for big purchases that they can't afford, but those are also the people who are misusing it and will struggle paying it off. Quote:
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I've graduated now, so I moved back to LA in June. All my stress has been lifted. :P |
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I was making about $11/hour at my last job, and when I moved out, my rent was about $625, and including utilities it was about $700 depending on the month and I was scarping the barrel on that. But I also had car payments I had to take care of as well, which was about $500 a month. |
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My final semester, when I wrote my thesis, I cut back my hours and had enough saved up to afford to do so. I spent more time working on my thesis, but less at work. I was able to go see some city sights and enjoy it a bit more, but overall didn't get a great experience living there like many would. |
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My friend is in San Francisco for $2000/month right now. I was jealous that her starting income was so much higher than mine (I know I know I am terrible blurgh) but when you include living expenses it's basically the same because rent is so different. Of course, I'm not including the mental toll of living so far from the ocean... |
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