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Oryx August 19th, 2014 2:22 PM

My mom's credit was trashed after her divorce but she cleaned it up with some careful planning. There's hope!

Sonata August 19th, 2014 2:30 PM

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.

Shining Raichu August 19th, 2014 6:51 PM

Quote:

Originally Posted by CarcharOdin (Post 8407178)
Oh, god, I don't even want to think about my credit.

I pay a good amount on time every month, but I'm still about several thousand in debt.

You should have thought of that before you just had to have that heart shaped water bed with the disco lights attached.

Alexander Nicholi August 19th, 2014 7:24 PM

Quote:

Originally Posted by Katholic Nun (Post 8407623)
You should have thought of that before you just had to have that heart shaped water bed with the disco lights attached.

http://i.imgur.com/nhhvqf9.gif

Come on Andy, how can any man have a decent bachelor pad without good décor? It's pretty much mandatory.

Pendraflare August 19th, 2014 7:38 PM

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.

Sir Codin August 19th, 2014 7:39 PM

Quote:

Originally Posted by Katholic Nun (Post 8407623)
You should have thought of that before you just had to have that heart shaped water bed with the disco lights attached.

I should've thought about that before I decided I wanted my car to break down. Cuz that's how it all got started and it went downhill from there.

Alexander Nicholi August 19th, 2014 7:46 PM

Quote:

Originally Posted by CarcharOdin (Post 8407672)
I should've thought about that before I decided I wanted my car to break down. Cuz that's how it all got started and it went downhill from there.

Ladies and germs, I present to you a condensed version of Lemony Snicket's A Series of Unfortunate Events: paraphrased by CarcharOdin.

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.

Sir Codin August 19th, 2014 7:53 PM

Quote:

Originally Posted by Alex (Post 8407676)
Ladies and germs, I present to you a condensed version of Lemony Snicket's A Series of Unfortunate Events: paraphrased by CarcharOdin.

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.

If I end up getting a bad credit score and am unable to put a down payment for a house, then you bet your ass that's how things will end: Everyone dies.

Oryx August 19th, 2014 8:24 PM

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.

Alexander Nicholi August 19th, 2014 8:24 PM

Quote:

Originally Posted by CarcharOdin (Post 8407681)
If I end up getting a bad credit score and am unable to put a down payment for a house, then you bet your ass that's how things will end: Everyone dies.

I see your ass and raise you one sweet eyes.

Taemin August 19th, 2014 10:10 PM

Quote:

Originally Posted by O'aka XXIII (Post 8407339)
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.

An old family friend of mine has the worst credit I've ever seen.. like, I dunno how bad some other people have gotten, but this woman was so in dept that she really need to just foreclose on her entire house, and most of the stuff in it, and she'd just keep getting more credit cards and making min. payments / no payments at all. >_>; And she'd still buy things for herself, and gifts for other people, and etc. It was insane. Because her situation I only allow myself one credit card, and I use for things that are we really need. .w.

Kotone August 19th, 2014 10:39 PM

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.

Oryx August 20th, 2014 3:47 AM

You can set it on autopay, that's what I do.

Alexander Nicholi August 20th, 2014 4:10 AM

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?

Tsutarja August 20th, 2014 4:47 AM

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.

Judge Mandolore Shepard August 20th, 2014 5:38 AM

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.

Nathan August 20th, 2014 5:47 AM

Quote:

Originally Posted by Judge Mandolore Shepard (Post 8408006)
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.

That's the kind of card I like. You spend what you actually have.

Oryx August 20th, 2014 6:52 AM

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 :(

Alexander Nicholi August 20th, 2014 10:20 AM

What kind of apartment in Chicago has a $1,500 down payment? The city isn't really reputatious for it's class. o_O

Klippy August 20th, 2014 11:00 AM

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.

Nick August 20th, 2014 11:03 AM

Quote:

Originally Posted by Alex (Post 8407950)
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?

To build credit when you need to borrow money and pay it back.

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:

Originally Posted by Klippy (Post 8408246)
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.

What job do you have?!?

Klippy August 20th, 2014 11:07 AM

Quote:

Originally Posted by Mr. Downstairs (Post 8408251)
What job do you have?!?

I worked for FedEx up there. I made about $13/hr, but my rent per month was $1600, not including utilities. The good part was that our place was huge compared to what others have and our rent was on the lower end for a two bedroom "in-law" unit. I have friends that pay $3000 a MONTH for their place and theirs is much smaller than ours. Rent sucks in SF and many of the landlords screw people price-wise because living in San Francisco is in such high demand that people will pay anything.

I've graduated now, so I moved back to LA in June. All my stress has been lifted. :P

Nick August 20th, 2014 11:09 AM

Quote:

Originally Posted by Klippy (Post 8408258)
I worked for FedEx up there. I made about $13/hr, but my rent per month was $1600, not including utilities. The good part was that our place was huge compared to what others have and our rent was on the lower end for a two bedroom "in-law" unit. I have friends that pay $3000 a MONTH for their place and theirs is much smaller than ours. Rent sucks in SF and many of the landlords screw people price-wise because living in San Francisco is in such high demand that people will pay anything.

I've graduated now, so I moved back to LA in June. All my stress has been lifted. :P

How did you manage to pay that off???

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.

Klippy August 20th, 2014 11:17 AM

Quote:

Originally Posted by Mr. Downstairs (Post 8408260)
How did you manage to pay that off???

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.

By sheer willpower and determination! I spent every day working and going to school. I did a lot of evening classes (spent a lot of time sleeping in those), then worked and did homework on lunches. I didn't have any personal time beyond what I used to rest and eat, at least for the first year and a half. I never had spending money except for groceries, as the rest went to rent.

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.

Oryx August 20th, 2014 11:39 AM

Quote:

Originally Posted by Alex (Post 8408211)
What kind of apartment in Chicago has a $1,500 down payment? The city isn't really reputatious for it's class. o_O

It was because I moved in at the end of the month, so I had to pay a full month's rent plus the prorated end of the month. Cities are expensive no matter where you are - even in the suburbs it's 975 for a small one-bedroom as opposed to 550 for the bigger place my boyfriend has in Indiana. e: Also idk if this was clear but about 1000 of that meant I didn't pay rent the next month so the deposit itself wasn't bad, I just needed a lot of money up front which I was then able to pay off within the month haha.

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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