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-- Another get those letters off your chest thread
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quote:

Originally posted by jennypie Dear Resident Families, Please stop bringing us delicious Christmas treats, I have no willpower and am going to turn into a holiday chubalub. Much appreciated, Miss Pie

Dear Jenny,

In all truth, a little extra weight will probably serve you well.

Best regards,

Moral Hazard

quote:

Originally posted by Moral Hazard Dear Jenny, In all truth, a little extra weight will probably serve you well. Best regards, Moral Hazard

Dear Hazard,

Your screen name starts with an M.

All the best,

Spam

PS: I don't like your hair.

Dear Mom,

I am sorry for stealing 500 bucks the other day. I did not spend them on drugs.

Dear Sofia,

Although I like you, you are too crazy and expect too much. I am a dude in college, I haven't established my bank account yet. Stop making me ask my parents for greens.

Dear TA

WTF does COR mean?

quote:

Originally posted by Moral Hazard Dear Jenny, In all truth, a little extra weight will probably serve you well. Best regards, Moral Hazard

Dear Craig,

Spoken like a true married man.


Regards,

Pie

Dear Christmas,

The credit card bill better be worth it you stupid fag.

Sincerely yours,

Consumer that feels like he has a gun to his head.

I made it a strict point not to use my credit card for holiday shopping. Woo!

I have 7 different parties to hit up in the next 3 days, and showing up empty handed, while cost effective is just a dick move. I'll pay the bill as soon as i get it, but i still feel slightly raped.

I just generally don't use my credit card for anything like that. I reserve use of it for online shopping (ok, actually so maybe I did use it for Xmas this year), trips, school purchases, or really large purchases.

quote:

Originally posted by jennypie I just generally don't use my credit card for anything like that. I reserve use of it for online shopping (ok, actually so maybe I did use it for Xmas this year), trips, school purchases, or really large purchases.

Everything goes on my credit card... and I mean everything; gas, phone/cable/internet bill, groceries, utility bills, hell I even used credit to buy a coffee and danish last week. I'm a firm believer in using other people's money to defer spending my own for an extra month.

Lol. I guess I just enjoy the tangible feeling of spending cash.

quote:

Originally posted by jennypie Lol. I guess I just enjoy the tangible feeling of spending cash.

I'll give ya something tangible you can enjoy feelin'

quote:

Originally posted by Moral Hazard Everything goes on my credit card... and I mean everything; gas, phone/cable/internet bill, groceries, utility bills, hell I even used credit to buy a coffee and danish last week. I'm a firm believer in using other people's money to defer spending my own for an extra month.

Damn right.

Btw: this year it's finally catching up with me =/

Dear Banora,

Looking at your pics makes me want to listen to Barry White!

Yours,
Boris

quote:

Originally posted by Moral Hazard I'll give ya something tangible you can enjoy feelin'

Dear Lortab and Clindamycin,

Apart, I'm sure you're harmless, I'm sure. Together, you are seriously fucking up my world. Now stop making everything wiggly and wavy, I have to go get mah hurr did.

Yours,

Banora

quote:

Originally posted by boris_the_bear Dear Banora, Looking at your pics makes me want to listen to Barry White! Yours, Boris

Eh?!

quote:

Originally posted by Banora Dear Lortab and Clindamycin, Apart, I'm sure you're harmless, I'm sure. Together, you are seriously fucking up my world. Now stop making everything wiggly and wavy, I have to go get mah hurr did. Yours, Banora

I was just about to ask why you're taking those...but then remembered that your wisodom teeth are coming in. That bad, huh?

Its really not so bad except for times when I get horrible white hot pain shooting along my jaw. My top ones are fine and going to come in normally, the bottom ones, however, are stuck under the bone where the lower jaw meets the upper jaw; they can't move because they are growing up instead of at an angle.

On top of that, turns out a dentist who worked on a tooth five years ago is full of fail and didn't get all of an infection out, so its abscessed in my jaw, and the pressure from the wisdom tooth is pushing on that abscess, which is not making for good times.

quote:

Originally posted by Moral Hazard Everything goes on my credit card... and I mean everything; gas, phone/cable/internet bill, groceries, utility bills, hell I even used credit to buy a coffee and danish last week. I'm a firm believer in using other people's money to defer spending my own for an extra month.

same.

i pay it off every month too (no minimum payment crap), and it is a great way to keep my credit awesome. Having credit and never using it, is not good for you when you need a loan.

Only irresponsible dummies pay interest.

I use my credit, just not for stuff like that. I have excellent credit and have had, and paid off a few loans already.

quote:

Originally posted by Banora Its really not so bad except for times when I get horrible white hot pain shooting along my jaw. My top ones are fine and going to come in normally, the bottom ones, however, are stuck under the bone where the lower jaw meets the upper jaw; they can't move because they are growing up instead of at an angle. On top of that, turns out a dentist who worked on a tooth five years ago is full of fail and didn't get all of an infection out, so its abscessed in my jaw, and the pressure from the wisdom tooth is pushing on that abscess, which is not making for good times.

Wow that sucks dude. And you'd better get that taken care of ASAP after NYE. With that abscessed infection, you're just looking for trouble. You don't want that shit going systemic and getting septic shock. Trust. I hope you have an appointment set up?

I wasn't pointing fingers, only making an observation.

I have way more credit than i need now because of doing this, so it will come in handy the day that an unexpected huge expense comes up and I have no choice in the matter.

Doing this has also erased a few blemishes i made when i was younger. I want to buy a house soon, this is the best way to negotiate a good mortgage. We did the check for fun, my gf's credit is good, but not as good, and i would get a mortgage in my name at a much better rate than she.

Both our salaries at our day jobs are almost identical.

quote:

Originally posted by jennypie Wow that sucks dude. And you'd better get that taken care of ASAP after NYE. With that abscessed infection, you're just looking for trouble. You don't want that shit going systemic and getting septic shock. Trust. I hope you have an appointment set up?

Yeah, I do, I'm going in on the 7th. Until then he gave me plenty of meds to pass the time. Wheee. Except I can't do anything but lay here and watch the ceiling move.

I'm really anal about debt/credit. Never done anything stupid. My first loan was the only one I needed collateral for (which I had covered) and I paid that one off already. I had two more loans after that, and I was approved without collateral or a cosigner.

I don't ever spend beyond my means and always make payments on time, etc.

quote:

Originally posted by Schadenfreude same. i pay it off every month too (no minimum payment crap), and it is a great way to keep my credit awesome. Having credit and never using it, is not good for you when you need a loan. Only irresponsible dummies pay interest.

It's actually better for your credit to not pay it off every month. Pay off somewhere between 2-4 times the minimum payment. It's good to have some debt.

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