I'm still sporting my same Samsung Galaxy phone from 2019. Most people can't say their phone is 5 years old. Spending money on new phones is a HUGE waste (unless it's broken, obviously).
Bank rate survey finds: 56% of Americans cannot cover a $1000 emergency
- Thread starter IA Shelby
- Start date
According to my BOA website, my FICO score is being hurt by me not carrying any debt ??
.
.
Available credit and payment history is what they’re looking at.
You don’t need to carry it over a month and accrue interest.
Sent from my iPhone using the svtperformance.com mobile app
Luckily for you guys, im doubling your money. Quick, send me $100, ill double it.
Be willing double your 1k as well. Just an FYI, I have spotty internet service so might take a while to respond back
Be willing double your 1k as well. Just an FYI, I have spotty internet service so might take a while to respond back
But sir this is a once in a lifetime opportunity you have to jump on it!!
I make about double what I did 5-6 years ago, but it seems like everyone else does too.
Still live in the same house which we will have paid off in about 14 months (tripling up on payments for the last two years). Still driving my paid for 2016 vehicle.
I piss away a little bit of money modding cars, don't really go to the bar since COVID (that used to be $200+ a week), stopped Starbucks and buying lunch at work, don't really go anywhere, finally bought a new $600 laptop after having the same one since 2017 (and traded that one in for $300).
Been putting 10% in my 401k for the last ten years but still don't feel like I have nearly enough. Have a pretty decent amount in savings etc.
Still live in the same house which we will have paid off in about 14 months (tripling up on payments for the last two years). Still driving my paid for 2016 vehicle.
I piss away a little bit of money modding cars, don't really go to the bar since COVID (that used to be $200+ a week), stopped Starbucks and buying lunch at work, don't really go anywhere, finally bought a new $600 laptop after having the same one since 2017 (and traded that one in for $300).
Been putting 10% in my 401k for the last ten years but still don't feel like I have nearly enough. Have a pretty decent amount in savings etc.
I piss a grand a month away easy. But I don't know how I'd survive if I was young in this economy or single person with a kid...crazy.
No comment.
Starbucks
It's never been cheap...but...
A long time ago (2008?) a coffee was $2.90 and a cookie or danish was $1.90
I could have went to 7-11 for a 89 cent coffee and a $1 pack of hostess donuts back then
Anyway... I went there the last time this year and it was $5.50 and $3.50
Nine bucks....plus tax. I got a $25 gift card for taking some survey at work.
I realized in about 15 years I'll be telling one of my kids how much it cost in the old days, by then a coffee will be twelve dollars and a cookie will be seven!
Im with ya, still rockin my Galaxy S7 from 2016 lol.
I’m doing okay. But all my money is in my checking.. I don’t invest worth a shit… but honestly I doubt I’ll make it past 50
Which is part is why they don't have anything in savings. Pretty much their entire paycheck goes to necessities and "things" they can't really afford but "must have".
Yes MOST people manage their finances just as you describe. There are however others who get themselves into massive debt with loans and credit cards.
I know someone who bought a $700,000 home and now has a mortgage that eats up nearly 70% of his income!
Talk about house poor. Why people buy shit they can't actually afford is beyond me. Just because the bank will loan you that money doesn't mean you should take it.
Exactly this and is what bends most people over in the long run. When my wife got out of the Navy and was a full time student/part time worker the bank told her to buy something better as they had approved her for $55k back in 2007. She was a freakin part time Gymnastics coach using her GI Bill for ****s sake.
ive been good about saving, have not been aggressive enough about investing to avoid losing value to inflation.
started using ynab a little bit to get a better handle on necessary vs discretionary spending and good lord too much spent at restaurants
started using ynab a little bit to get a better handle on necessary vs discretionary spending and good lord too much spent at restaurants
I thought the same thing but here my ass is.
Genuinely surprised and now I’m playing catchup financially.
I have a friend that spends a ton of his money on interest, late fees, utility reconnect fees, license flags, unbelievably high insurance, cell phone upgrade buyouts, ect. With that said, I think it stresses me out more than him....
This thread made me check my phone. It’s an iphone 7 from 2014.
No wonder it’s a piece of shit.
Edit: iphone 7 came out in 2016. I have no idea when my phone is from.
No wonder it’s a piece of shit.
Edit: iphone 7 came out in 2016. I have no idea when my phone is from.
Users who are viewing this thread
