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.

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quote:

Originally posted by ziptnf I probably wake up QWOPing.

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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Quarantine Classics Brunello di Montalcino (In Transit) Edition [Progressive Classics] (August 2020)
Quarantine Classics - Puligny-Montrachet Edition [Progressive Classics] (April 2020)
What Is Progressive Anyways? [Progressive House Classics] (November 2019)

My mortgage on this fucking condo is debt enough Also: car.

I'll pay off my bills thanks

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Whooooooo Hawwwww Whoooooo Hawwwww. - Busta Rhymes 3:16

www.soundcloud.com/le-freak

Le Freak - Funk for Cows (pure fat bitch haus..click and free wet naps.)

I'm just saying

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Quarantine Classics Brunello di Montalcino (In Transit) Edition [Progressive Classics] (August 2020)
Quarantine Classics - Puligny-Montrachet Edition [Progressive Classics] (April 2020)
What Is Progressive Anyways? [Progressive House Classics] (November 2019)

Also, cash in the bank and/or investments is better than relying on credit for "huge unexpected expenses". I just feel "safer" knowing I have shit saved.

Everyone should have enough savings for up to 6 months without any income. Sadly most people have shit =/

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Quarantine Classics Brunello di Montalcino (In Transit) Edition [Progressive Classics] (August 2020)
Quarantine Classics - Puligny-Montrachet Edition [Progressive Classics] (April 2020)
What Is Progressive Anyways? [Progressive House Classics] (November 2019)

i agree.

but let's say you get a house and the roof caves in. That kind of scratch is more than i tend to keep in a savings account. I'm not talking little 2 grand unexpected expenses here

Savings account = ew.

___________________
Whooooooo Hawwwww Whoooooo Hawwwww. - Busta Rhymes 3:16

www.soundcloud.com/le-freak

Le Freak - Funk for Cows (pure fat bitch haus..click and free wet naps.)

Then I hope you had house insurance

Savings accounts are awesome when you have V.I.P. accounts

___________________
Quarantine Classics Brunello di Montalcino (In Transit) Edition [Progressive Classics] (August 2020)
Quarantine Classics - Puligny-Montrachet Edition [Progressive Classics] (April 2020)
What Is Progressive Anyways? [Progressive House Classics] (November 2019)

I wasn't talking about that either. Lol, 2 grand.

quote:

Originally posted by Schadenfreude i agree. but let's say you get a house and the roof caves in. That kind of scratch is more than i tend to keep in a savings account. I'm not talking little 2 grand unexpected expenses here Savings account = ew.

Chances are that would be covered by insurance...

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quote:

Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

quote:

Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

quote:

Originally posted by Lews Then I hope you had house insurance Savings accounts are awesome when you have V.I.P. accounts

I keep big sums of money in GICs. My saving account is reserved for what I call my "thoughtless saving". I signed up for a high interest tax free account, and have it linked to my chequing so that every time I use my debit card a couple bucks gets transferred into my savings. Only thing about that account is I can only deposit, ummmmm I think 5 grand of my own money every year? I think it's 5. At any rate, I love it.