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Old 07-23-2013, 02:45 AM   #27051
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Yeah I use my debit just for the convenience or tracking certain spending habits to manage money easier. I always get cash though if I'm going to extra stuff or go to independent restaurants/Businesses just to save them those extra transaction charges the. I put the change in a jar to turn back into paper money when it gets filled.


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Old 07-23-2013, 02:47 AM   #27052
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Quote:
Originally Posted by Cinderocka1989

I don't have a credit card either.
Maybe it's just the people I'm use to hanging around to then and family
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Old 07-23-2013, 03:03 AM   #27053
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Maybe it's just the people I'm use to hanging around to then and family
I was taught growing up to live within my means. Debt isn't something I take lightly, I had a hard time even borrowing money for school. And I feel very strongly about education as well.
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Old 07-23-2013, 03:03 AM   #27054
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Cold beer, Arkansas soft stone, a handful of knives. Good evening.
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Old 07-23-2013, 03:04 AM   #27055
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Longbarrel- have a work credit card, and one personal card. Really need them for hotel, rental cars, etc. (If you live on the road, you know you gotta have).

But each is fully paid up each month. Have not paid credit card interest (or car, or house, or anything) in about 7 years.

Amazing how much more of the folding green stuff you have at the end of the month when you are not paying interest to someone else. Really.
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Old 07-23-2013, 03:08 AM   #27056
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Originally Posted by LongBarrelTac View Post
Am I the only one who doesn't use or own a credit card? People weird out hearing that but I only spend what I own lol.
Got one a couple of months ago, trying to rebuild credit after the divorce. I only use it for gas and when we go out to eat after church every other Sunday. These are normal budget items and the money is set aside to pay it off every month so no interest. I do use my debit card a lot just because it is easier than stopping at an atm or writing a check.
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Old 07-23-2013, 03:13 AM   #27057
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Quote:
Originally Posted by Cinderocka1989 View Post
I was taught growing up to live within my means. Debt isn't something I take lightly, I had a hard time even borrowing money for school. And I feel very strongly about education as well.
I had the same hard time about borrowing money for school so I didn't, I got a job instead and blew what may have been the opportunity of a lifetime.

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Old 07-23-2013, 03:23 AM   #27058
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[quote=F4U;1312327]
Quote:
Originally Posted by Cinderocka1989 View Post
I was taught growing up to live within my means. Debt isn't something I take lightly, I had a hard time even borrowing money for school. And I feel very strongly about education as well.[/QUOTE

I had the same hard time about borrowing money for school so I didn't, I got a job instead and blew what may have been the opportunity of a lifetime.
I'm very glad I did end up borrowing what I did and just focusing on school, not trying to do both, there is no way I could have had a job and done as well in school as I'm doing. And I felt like school would open up a lot more opportunities than job experience alone.
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Old 07-23-2013, 03:42 AM   #27059
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[quote=Cinderocka1989;1312331]
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Originally Posted by F4U View Post

I'm very glad I did end up borrowing what I did and just focusing on school, not trying to do both, there is no way I could have had a job and done as well in school as I'm doing. And I felt like school would open up a lot more opportunities than job experience alone.
You did the right thing, you also are working on a more marketable skill than I would have had.

Short version is in 1989 I was very close to getting my private pilots license. I needed 1 more solo cross country and a little more night work, when I was laid off from my job and almost at the same time my instructor got transferred out of state. I started looking into the large flight schools and was ready to start when I panicked at the thought of being $35-$40 thousand in debt with no job, and backed out.

My second biggest regret in my life.
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Old 07-23-2013, 03:45 AM   #27060
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Trust me. I've been stressing about finding work for awhile now. Hopefully I find something before I leave school if not soon after.
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That which does not kill me had better run pretty damn fast.

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