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tuyop posted:Basically, you guys are saying that I can't possibly afford my life as it is, but my friends, coworkers, parents, pretty much everyone, seem way less alarmed when I tell them the numbers. Please don't ever finance anything ever again. You are a sucker and should not trust yourself with credit of any sort. 48 month financed laptop? Financed 30k car with 0 down? Expensive smart phone on a contract for almost $100/month when you're in debt? These are all absolutely terrible financial decisions. If you're lucky you can get someone to co-sign a loan and use that money to pay off your >15% credit card debt. cowofwar fucked around with this message at 20:31 on Jul 30, 2011 |
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Jul 30, 2011 20:26
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I've been poor most of my life. You are also poor at this point. When poor people want to go on vacation they spend $100 and go camping. They don't spend $10,000 on credit to fly to another continent. You are seriously living outside of your means. A trick i used was to think how much time i would have to work to buy something. So was a $30 item worth four hours of my time? Generally no. cowofwar fucked around with this message at 14:24 on Jul 31, 2011 |
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Jul 31, 2011 14:21
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If you want to go surfing why don't you take a bus to the coast and just camp and surf? It would cost like nothing for a week.Psycho Crusher posted:You guys seem way vigilant about car loans. Do you all pay cash for your cars? Rich people have the luxury of walking in to a store and buying something they like at face value with zero negotiation. Although that's actually just a made-for-tv stereotype as it's normally poor people that do this. cowofwar fucked around with this message at 04:08 on Aug 20, 2011 |
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Aug 20, 2011 04:03
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