***DONALD J TRUMP HAS OFFICIALLY BEEN IMPEACHED***
Comments
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2017
Did you ever think you would be agreeing with Bill Kristol? Lol crazy worldHalifax2TheMax said:0 -
I am definitely not rich, but do choose to live debt free. Of course there are exceptions that put people in a position where they must borrow money, but you seem to completely gloss over the majority of people that just over indulge and overspend on things that they cannot actually afford. How may people buy things like TVs and random non-necessities on credit? How many take out the largest loan they can when buying cars or even houses that they can barely afford to make payments on? I used to believe the credit card hype until I diligently made the effort to pay them off and cut them up. Since then (and online banking has made it so much easier), I save up for stuff and have an emergency fund that I held off buying “fun stuff” to build so that I can pay out of pocket if my child ever needed a dental procedure or something. It was hard work paying those things off, but now that I have, life is way less complicated financially. My argument is against people living beyond their means in general. I specifically contribute to a “vehicle fund” every month because I know I will eventually have car issues. There is always the chance that a medical procedure could put me in debt, but if that happened, at least I wouldn’t be having to worry about paying off a big TV or car at the same time. I think that the issue is that people in general live with a “gotta have it now” mentality and get into debt problems due to buying things on credit that aren’t necessary for survival. I do make more now than I used to, but I was right at lower middle class wages when I payed off every bit of my debt. It took missing out on some “fun” things like concerts here and there, but was totally worth it not to be giving my paycheck to credit card companies now. Again, I know that there are life events that may put someone in debt, but even then priority should be in getting out of it, not racking up more to the point that your whole paycheck goes towards those payments. There are tons of stories out there of people essentially in poverty due to low paying jobs that are still completely debt free. I truly think that people that pay for things like concert tickets with credit cards are irresponsible and not considering some of the things that you mentioned, such as the probability of car trouble in the future.njnancy said:
I am assuming that you make a good salary, have no dependents, have a wealthy family, have been lucky enough not to have a disability effect your life or you live in a van and subsist off of self grown vegetables.PJPOWER said:
Omg, get off the “slave” wording. All I am saying is that they are owned to an extent (in reference to senators and people in debt). Yes, it is your choice to be in or not be in debt. The narrow mindedness around here...oftenreading said:
No, and no. There is a massive element of choice in each that is conspicuously lacking with slavery. Kanye notwithstanding.PJPOWER said:
Your reading comprehension sucks. They are both owned to an extent.Halifax2TheMax said:
I disagree. The slave analogy doesn’t apply to either.PJPOWER said:
Maybe not “slaves” in the literal, but they are definitely owned to different extents. Same is true for people with credit card debtsHalifax2TheMax said:
C’mon, you believe that? The US Senate is 100 members of a slave class? When do you move out of the US? And why do you bother voting, particularly for female candidates if they are all slaves?my2hands said:
You really want to try and defend the US senate?Halifax2TheMax said:
Thats the second poor analogy you've made today.my2hands said:
The only time they do the right thing is if their owners give them a green light... they only do things that benefit them politicallyHalifax2TheMax said:
Yea, sure. It’s a rare opportunity to “do the right thing.”my2hands said:
Integrity of the senate will be on trial? lol Since when has the US senate had integrity? The vast majority of them are bought & sold faster than the prostitutes on the PtapeHalifax2TheMax said:And isn’t the senate judiciary committee currently repub held and majority? The senate has been lied to. Repeatedly. The integrity of the senate will be on trial. Might not be all that difficult to find 20 angry repub senators.
https://www.cnn.com/2018/12/04/politics/roger-stone-fifth-amendment/index.html
Bought & sold like slaves. Yes mastah
Where the fuck is George Carlin when i need him lol
Almost entirely all of them are nothing more than bought & sold SLAVES... just like the rest of the vast majority of the political class
But since some of you cannot get past the wording, here is another definition of “slave” that may fit politicians:“a person who is excessively dependent upon or controlled by something."the poorest people of the world are slaves to the banks"synonyms: devotee, worshiper, adherent;More fan, lover, aficionado;informalfanatic, freak, nut, addict"a fashion slave" -via a fucking simple google search of the word, lol
Credit card debt is not a choice in the way that you are so loosely throwing around. If one does not have any disposable income and a child needs dental treatment, do I let my child suffer or do I put it on credit? If my car needs to be fixed, do I say no and let it explode leaving me with no car and no ability to get a new car, or do I put it on a credit card? Credit cards are the only way that a lot of people in this country are able to manage daily 'bumps' in otherwise comfortable people's lives.
Slave is a nasty term and to so cutely use it to denigrate people who have no choice but to use credit in order to live is kind of despicable.
Happy that you can pay off your credit card debt in full each month, or purchase everything with cash. It must be nice to be that lucky (and don't tell me it's all about how much hard work you've done. That doesn't make a bit of difference if one thing goes sidewise in life). It also makes one think they are better than others.
I'd rather be in debt than look down my nose at people. And I take exception to things that are meant to make the majority of the people in the US look like irresponsible idiots.
Post edited by PJPOWER on0 -
2019
Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choicePJPOWER said:
I am definitely not rich, but do choose to live debt free. Of course there are exceptions that put people in a position where they must borrow money, but you seem to completely gloss over the majority of people that just over indulge and overspend on things that they cannot actually afford. How may people buy things like TVs and random non-necessities on credit? How many take out the largest loan they can when buying cars or even houses that they can barely afford to make payments on? I used to believe the credit card hype until I diligently made the effort to pay them off and cut them up. Since then (and online banking has made it so much easier), I save up for stuff and have an emergency fund that I held off buying “fun stuff” to build so that I can pay out of pocket if my child ever needed a dental procedure or something. It was hard work paying those things off, but now that I have, life is way less complicated financially. My argument is against people living beyond their means in general. I specifically contribute to a “vehicle fund” every month because I know I will eventually have car issues. There is always the chance that a medical procedure could put me in debt, but if that happened, at least I wouldn’t be having to worry about paying off a big TV or car at the same time. I think that the issue is that people in general live with a “gotta have it now” mentality and get into debt problems due to buying things on credit that aren’t necessary for survival. I do make more now than I used to, but I was right at lower middle class wages when I payed off every bit of my debt. It took missing out on some “fun” things like concerts here and there, but was totally worth it not to be giving my paycheck to credit card companies now. Again, I know that there are life events that may put someone in debt, but even then priority should be in getting out of it, not racking up more to the point that your whole paycheck goes towards those payments. There are tons of stories out there of people essentially in poverty due to low paying jobs that are still completely debt free. I truly think that people that pay for things like concert tickets with credit cards are irresponsible and not considering some of the things that you mentioned, such as the probability of car trouble in the future.njnancy said:
I am assuming that you make a good salary, have no dependents, have a wealthy family, have been lucky enough not to have a disability effect your life or you live in a van and subsist off of self grown vegetables.PJPOWER said:
Omg, get off the “slave” wording. All I am saying is that they are owned to an extent (in reference to senators and people in debt). Yes, it is your choice to be in or not be in debt. The narrow mindedness around here...oftenreading said:
No, and no. There is a massive element of choice in each that is conspicuously lacking with slavery. Kanye notwithstanding.PJPOWER said:
Your reading comprehension sucks. They are both owned to an extent.Halifax2TheMax said:
I disagree. The slave analogy doesn’t apply to either.PJPOWER said:
Maybe not “slaves” in the literal, but they are definitely owned to different extents. Same is true for people with credit card debtsHalifax2TheMax said:
C’mon, you believe that? The US Senate is 100 members of a slave class? When do you move out of the US? And why do you bother voting, particularly for female candidates if they are all slaves?my2hands said:
You really want to try and defend the US senate?Halifax2TheMax said:
Thats the second poor analogy you've made today.my2hands said:
The only time they do the right thing is if their owners give them a green light... they only do things that benefit them politicallyHalifax2TheMax said:
Yea, sure. It’s a rare opportunity to “do the right thing.”my2hands said:
Integrity of the senate will be on trial? lol Since when has the US senate had integrity? The vast majority of them are bought & sold faster than the prostitutes on the PtapeHalifax2TheMax said:And isn’t the senate judiciary committee currently repub held and majority? The senate has been lied to. Repeatedly. The integrity of the senate will be on trial. Might not be all that difficult to find 20 angry repub senators.
https://www.cnn.com/2018/12/04/politics/roger-stone-fifth-amendment/index.html
Bought & sold like slaves. Yes mastah
Where the fuck is George Carlin when i need him lol
Almost entirely all of them are nothing more than bought & sold SLAVES... just like the rest of the vast majority of the political class
But since some of you cannot get past the wording, here is another definition of “slave” that may fit politicians:“a person who is excessively dependent upon or controlled by something."the poorest people of the world are slaves to the banks"synonyms: devotee, worshiper, adherent;More fan, lover, aficionado;informalfanatic, freak, nut, addict"a fashion slave" -via a fucking simple google search of the word, lol
Credit card debt is not a choice in the way that you are so loosely throwing around. If one does not have any disposable income and a child needs dental treatment, do I let my child suffer or do I put it on credit? If my car needs to be fixed, do I say no and let it explode leaving me with no car and no ability to get a new car, or do I put it on a credit card? Credit cards are the only way that a lot of people in this country are able to manage daily 'bumps' in otherwise comfortable people's lives.
Slave is a nasty term and to so cutely use it to denigrate people who have no choice but to use credit in order to live is kind of despicable.
Happy that you can pay off your credit card debt in full each month, or purchase everything with cash. It must be nice to be that lucky (and don't tell me it's all about how much hard work you've done. That doesn't make a bit of difference if one thing goes sidewise in life). It also makes one think they are better than others.
I'd rather be in debt than look down my nose at people. And I take exception to things that are meant to make the majority of the people in the US look like irresponsible idiots.
eh tu, @PJPower?www.myspace.com0 -
i get what you are saying but I think there is a balance between the two. why not indulge a bit and have fun even if it costs a bit more than you expect? who cares if you have a little debt if you are living life? life is about people and moments (at least to me) so missing out on those people and moments because i don't want a balance on a credit card doesn't make sense for how i want to live my life. unless you are living way beyond your means then i don't see a huge issue with some debt.PJPOWER said:
I am definitely not rich, but do choose to live debt free. Of course there are exceptions that put people in a position where they must borrow money, but you seem to completely gloss over the majority of people that just over indulge and overspend on things that they cannot actually afford. How may people buy things like TVs and random non-necessities on credit? How many take out the largest loan they can when buying cars or even houses that they can barely afford to make payments on? I used to believe the credit card hype until I diligently made the effort to pay them off and cut them up. Since then (and online banking has made it so much easier), I save up for stuff and have an emergency fund that I held off buying “fun stuff” to build so that I can pay out of pocket if my child ever needed a dental procedure or something. It was hard work paying those things off, but now that I have, life is way less complicated financially. My argument is against people living beyond their means in general. I specifically contribute to a “vehicle fund” every month because I know I will eventually have car issues. There is always the chance that a medical procedure could put me in debt, but if that happened, at least I wouldn’t be having to worry about paying off a big TV or car at the same time. I think that the issue is that people in general live with a “gotta have it now” mentality and get into debt problems due to buying things on credit that aren’t necessary for survival. I do make more now than I used to, but I was right at lower middle class wages when I payed off every bit of my debt. It took missing out on some “fun” things like concerts here and there, but was totally worth it not to be giving my paycheck to credit card companies now. Again, I know that there are life events that may put someone in debt, but even then priority should be in getting out of it, not racking up more to the point that your whole paycheck goes towards those payments. There are tons of stories out there of people essentially in poverty due to low paying jobs that are still completely debt free. I truly think that people that pay for things like concert tickets with credit cards are irresponsible and not considering some of the things that you mentioned, such as the probability of car trouble in the future.njnancy said:
I am assuming that you make a good salary, have no dependents, have a wealthy family, have been lucky enough not to have a disability effect your life or you live in a van and subsist off of self grown vegetables.PJPOWER said:
Omg, get off the “slave” wording. All I am saying is that they are owned to an extent (in reference to senators and people in debt). Yes, it is your choice to be in or not be in debt. The narrow mindedness around here...oftenreading said:
No, and no. There is a massive element of choice in each that is conspicuously lacking with slavery. Kanye notwithstanding.PJPOWER said:
Your reading comprehension sucks. They are both owned to an extent.Halifax2TheMax said:
I disagree. The slave analogy doesn’t apply to either.PJPOWER said:
Maybe not “slaves” in the literal, but they are definitely owned to different extents. Same is true for people with credit card debtsHalifax2TheMax said:
C’mon, you believe that? The US Senate is 100 members of a slave class? When do you move out of the US? And why do you bother voting, particularly for female candidates if they are all slaves?my2hands said:
You really want to try and defend the US senate?Halifax2TheMax said:
Thats the second poor analogy you've made today.my2hands said:
The only time they do the right thing is if their owners give them a green light... they only do things that benefit them politicallyHalifax2TheMax said:
Yea, sure. It’s a rare opportunity to “do the right thing.”my2hands said:
Integrity of the senate will be on trial? lol Since when has the US senate had integrity? The vast majority of them are bought & sold faster than the prostitutes on the PtapeHalifax2TheMax said:And isn’t the senate judiciary committee currently repub held and majority? The senate has been lied to. Repeatedly. The integrity of the senate will be on trial. Might not be all that difficult to find 20 angry repub senators.
https://www.cnn.com/2018/12/04/politics/roger-stone-fifth-amendment/index.html
Bought & sold like slaves. Yes mastah
Where the fuck is George Carlin when i need him lol
Almost entirely all of them are nothing more than bought & sold SLAVES... just like the rest of the vast majority of the political class
But since some of you cannot get past the wording, here is another definition of “slave” that may fit politicians:“a person who is excessively dependent upon or controlled by something."the poorest people of the world are slaves to the banks"synonyms: devotee, worshiper, adherent;More fan, lover, aficionado;informalfanatic, freak, nut, addict"a fashion slave" -via a fucking simple google search of the word, lol
Credit card debt is not a choice in the way that you are so loosely throwing around. If one does not have any disposable income and a child needs dental treatment, do I let my child suffer or do I put it on credit? If my car needs to be fixed, do I say no and let it explode leaving me with no car and no ability to get a new car, or do I put it on a credit card? Credit cards are the only way that a lot of people in this country are able to manage daily 'bumps' in otherwise comfortable people's lives.
Slave is a nasty term and to so cutely use it to denigrate people who have no choice but to use credit in order to live is kind of despicable.
Happy that you can pay off your credit card debt in full each month, or purchase everything with cash. It must be nice to be that lucky (and don't tell me it's all about how much hard work you've done. That doesn't make a bit of difference if one thing goes sidewise in life). It also makes one think they are better than others.
I'd rather be in debt than look down my nose at people. And I take exception to things that are meant to make the majority of the people in the US look like irresponsible idiots.0 -
Nice Dave Ramsey quote, and I agree.The Juggler said:
Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choicePJPOWER said:
I am definitely not rich, but do choose to live debt free. Of course there are exceptions that put people in a position where they must borrow money, but you seem to completely gloss over the majority of people that just over indulge and overspend on things that they cannot actually afford. How may people buy things like TVs and random non-necessities on credit? How many take out the largest loan they can when buying cars or even houses that they can barely afford to make payments on? I used to believe the credit card hype until I diligently made the effort to pay them off and cut them up. Since then (and online banking has made it so much easier), I save up for stuff and have an emergency fund that I held off buying “fun stuff” to build so that I can pay out of pocket if my child ever needed a dental procedure or something. It was hard work paying those things off, but now that I have, life is way less complicated financially. My argument is against people living beyond their means in general. I specifically contribute to a “vehicle fund” every month because I know I will eventually have car issues. There is always the chance that a medical procedure could put me in debt, but if that happened, at least I wouldn’t be having to worry about paying off a big TV or car at the same time. I think that the issue is that people in general live with a “gotta have it now” mentality and get into debt problems due to buying things on credit that aren’t necessary for survival. I do make more now than I used to, but I was right at lower middle class wages when I payed off every bit of my debt. It took missing out on some “fun” things like concerts here and there, but was totally worth it not to be giving my paycheck to credit card companies now. Again, I know that there are life events that may put someone in debt, but even then priority should be in getting out of it, not racking up more to the point that your whole paycheck goes towards those payments. There are tons of stories out there of people essentially in poverty due to low paying jobs that are still completely debt free. I truly think that people that pay for things like concert tickets with credit cards are irresponsible and not considering some of the things that you mentioned, such as the probability of car trouble in the future.njnancy said:
I am assuming that you make a good salary, have no dependents, have a wealthy family, have been lucky enough not to have a disability effect your life or you live in a van and subsist off of self grown vegetables.PJPOWER said:oftenreading said:
No, and no. There is a massive element of choice in each that is conspicuously lacking with slavery. Kanye notwithstanding.PJPOWER said:
Your reading comprehension sucks. They are both owned to an extent.Halifax2TheMax said:
I disagree. The slave analogy doesn’t apply to either.PJPOWER said:
Maybe not “slaves” in the literal, but they are definitely owned to different extents. Same is true for people with credit card debtsHalifax2TheMax said:
C’mon, you believe that? The US Senate is 100 members of a slave class? When do you move out of the US? And why do you bother voting, particularly for female candidates if they are all slaves?my2hands said:
You really want to try and defend the US senate?Halifax2TheMax said:
Thats the second poor analogy you've made today.my2hands said:
The only time they do the right thing is if their owners give them a green light... they only do things that benefit them politicallyHalifax2TheMax said:
Yea, sure. It’s a rare opportunity to “do the right thing.”my2hands said:
Integrity of the senate will be on trial? lol Since when has the US senate had integrity? The vast majority of them are bought & sold faster than the prostitutes on the PtapeHalifax2TheMax said:And isn’t the senate judiciary committee currently repub held and majority? The senate has been lied to. Repeatedly. The integrity of the senate will be on trial. Might not be all that difficult to find 20 angry repub senators.
https://www.cnn.com/2018/12/04/politics/roger-stone-fifth-amendment/index.html
Bought & sold like slaves. Yes mastah
Where the fuck is George Carlin when i need him lol
Almost entirely all of them are nothing more than bought & sold SLAVES... just like the rest of the vast majority of the political class
nut, addict "a fashion slave" -via a fucking simple google search of the word, lol
Credit card debt is not a choice in the way that you are so loosely throwing around. If one does not have any disposable income and a child needs dental treatment, do I let my child suffer or do I put it on credit? If my car needs to be fixed, do I say no and let it explode leaving me with no car and no ability to get a new car, or do I put it on a credit card? Credit cards are the only way that a lot of people in this country are able to manage daily 'bumps' in otherwise comfortable people's lives.
Slave is a nasty term and to so cutely use it to denigrate people who have no choice but to use credit in order to live is kind of despicable.
Happy that you can pay off your credit card debt in full each month, or purchase everything with cash. It must be nice to be that lucky (and don't tell me it's all about how much hard work you've done. That doesn't make a bit of difference if one thing goes sidewise in life). It also makes one think they are better than others.
I'd rather be in debt than look down my nose at people. And I take exception to things that are meant to make the majority of the people in the US look like irresponsible idiots.
eh tu, @PJPower?
In other words, don’t buy frivolous shit if you cannot
afford it. An $8000 used car payed for with cash will most likely get you around just as well as a $40,000 car with $600 monthly payments.
If you can afford to save up for a $40,000 BMW, and that is truly what your heart desires, then go right ahead and buy it. In the end you will be out the same amount of money (a little less if you saved for it due to lack of interest), but it should sting a bit when making a purchase like that. You don’t get that “sting” when you swipe a credit card. Personally, I would rather buy the $8000 car and put the $600 a month into investments, but everyone has their priorities I suppose.0 -
2019
ha...yeah, I am a fan of Dave's. I don't agree with everything he says (like aiming to have a zero credit score, for example) but, overall, it should be everyone's goal to live debt free--or as close to it as possible.PJPOWER said:
Nice Dave Ramsey quote, and I agree.The Juggler said:
Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choicePJPOWER said:
I am definitely not rich, but do choose to live debt free. Of course there are exceptions that put people in a position where they must borrow money, but you seem to completely gloss over the majority of people that just over indulge and overspend on things that they cannot actually afford. How may people buy things like TVs and random non-necessities on credit? How many take out the largest loan they can when buying cars or even houses that they can barely afford to make payments on? I used to believe the credit card hype until I diligently made the effort to pay them off and cut them up. Since then (and online banking has made it so much easier), I save up for stuff and have an emergency fund that I held off buying “fun stuff” to build so that I can pay out of pocket if my child ever needed a dental procedure or something. It was hard work paying those things off, but now that I have, life is way less complicated financially. My argument is against people living beyond their means in general. I specifically contribute to a “vehicle fund” every month because I know I will eventually have car issues. There is always the chance that a medical procedure could put me in debt, but if that happened, at least I wouldn’t be having to worry about paying off a big TV or car at the same time. I think that the issue is that people in general live with a “gotta have it now” mentality and get into debt problems due to buying things on credit that aren’t necessary for survival. I do make more now than I used to, but I was right at lower middle class wages when I payed off every bit of my debt. It took missing out on some “fun” things like concerts here and there, but was totally worth it not to be giving my paycheck to credit card companies now. Again, I know that there are life events that may put someone in debt, but even then priority should be in getting out of it, not racking up more to the point that your whole paycheck goes towards those payments. There are tons of stories out there of people essentially in poverty due to low paying jobs that are still completely debt free. I truly think that people that pay for things like concert tickets with credit cards are irresponsible and not considering some of the things that you mentioned, such as the probability of car trouble in the future.njnancy said:
I am assuming that you make a good salary, have no dependents, have a wealthy family, have been lucky enough not to have a disability effect your life or you live in a van and subsist off of self grown vegetables.PJPOWER said:oftenreading said:
No, and no. There is a massive element of choice in each that is conspicuously lacking with slavery. Kanye notwithstanding.PJPOWER said:
Your reading comprehension sucks. They are both owned to an extent.Halifax2TheMax said:
I disagree. The slave analogy doesn’t apply to either.PJPOWER said:
Maybe not “slaves” in the literal, but they are definitely owned to different extents. Same is true for people with credit card debtsHalifax2TheMax said:
C’mon, you believe that? The US Senate is 100 members of a slave class? When do you move out of the US? And why do you bother voting, particularly for female candidates if they are all slaves?my2hands said:
You really want to try and defend the US senate?Halifax2TheMax said:
Thats the second poor analogy you've made today.my2hands said:
The only time they do the right thing is if their owners give them a green light... they only do things that benefit them politicallyHalifax2TheMax said:
Yea, sure. It’s a rare opportunity to “do the right thing.”my2hands said:
Integrity of the senate will be on trial? lol Since when has the US senate had integrity? The vast majority of them are bought & sold faster than the prostitutes on the PtapeHalifax2TheMax said:And isn’t the senate judiciary committee currently repub held and majority? The senate has been lied to. Repeatedly. The integrity of the senate will be on trial. Might not be all that difficult to find 20 angry repub senators.
https://www.cnn.com/2018/12/04/politics/roger-stone-fifth-amendment/index.html
Bought & sold like slaves. Yes mastah
Where the fuck is George Carlin when i need him lol
Almost entirely all of them are nothing more than bought & sold SLAVES... just like the rest of the vast majority of the political class
nut, addict "a fashion slave" -via a fucking simple google search of the word, lol
Credit card debt is not a choice in the way that you are so loosely throwing around. If one does not have any disposable income and a child needs dental treatment, do I let my child suffer or do I put it on credit? If my car needs to be fixed, do I say no and let it explode leaving me with no car and no ability to get a new car, or do I put it on a credit card? Credit cards are the only way that a lot of people in this country are able to manage daily 'bumps' in otherwise comfortable people's lives.
Slave is a nasty term and to so cutely use it to denigrate people who have no choice but to use credit in order to live is kind of despicable.
Happy that you can pay off your credit card debt in full each month, or purchase everything with cash. It must be nice to be that lucky (and don't tell me it's all about how much hard work you've done. That doesn't make a bit of difference if one thing goes sidewise in life). It also makes one think they are better than others.
I'd rather be in debt than look down my nose at people. And I take exception to things that are meant to make the majority of the people in the US look like irresponsible idiots.
eh tu, @PJPower?
In other words, don’t buy frivolous shit if you cannot
afford it. An $8000 used car payed for with cash will most likely get you around just as well as a $40,000 car with $600 monthly payments.
If you can afford to save up for a $40,000 BMW, and that is truly what your heart desires, then go right ahead and buy it. In the end you will be out the same amount of money (a little less if you saved for it due to lack of interest), but it should sting a bit when making a purchase like that. You don’t get that “sting” when you swipe a credit card. Personally, I would rather buy the $8000 car and put the $600 a month into investments, but everyone has their priorities I suppose.www.myspace.com0 -
Agreed, getting introduced to his philosophy has made our lives better in so many ways. It is amazing what you can accomplish in the end by suffering a bit to get out of debt. We are definitely more wary of spending hard earned cash on frivolous things and much more financially stable now. We probably would have gone through two times as many cars now if we still thought loans were the only way. Now we have a “car fund” that we direct deposit into every month for when we will need one in the future. It is crazy to think that we have saved probably $60,000 now just by not doing “the American thing” and taking out loans for a “better” car just because we could “afford” to make the loan payments.The Juggler said:
ha...yeah, I am a fan of Dave's. I don't agree with everything he says (like aiming to have a zero credit score, for example) but, overall, it should be everyone's goal to live debt free--or as close to it as possible.PJPOWER said:
Nice Dave Ramsey quote, and I agree.The Juggler said:
Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choicePJPOWER said:
I am definitely not rich, but do choose to live debt free. Of course there are exceptions that put people in a position where they must borrow money, but you seem to completely gloss over the majority of people that just over indulge and overspend on things that they cannot actually afford. How may people buy things like TVs and random non-necessities on credit? How many take out the largest loan they can when buying cars or even houses that they can barely afford to make payments on? I used to believe the credit card hype until I diligently made the effort to pay them off and cut them up. Since then (and online banking has made it so much easier), I save up for stuff and have an emergency fund that I held off buying “fun stuff” to build so that I can pay out of pocket if my child ever needed a dental procedure or something. It was hard work paying those things off, but now that I have, life is way less complicated financially. My argument is against people living beyond their means in general. I specifically contribute to a “vehicle fund” every month because I know I will eventually have car issues. There is always the chance that a medical procedure could put me in debt, but if that happened, at least I wouldn’t be having to worry about paying off a big TV or car at the same time. I think that the issue is that people in general live with a “gotta have it now” mentality and get into debt problems due to buying things on credit that aren’t necessary for survival. I do make more now than I used to, but I was right at lower middle class wages when I payed off every bit of my debt. It took missing out on some “fun” things like concerts here and there, but was totally worth it not to be giving my paycheck to credit card companies now. Again, I know that there are life events that may put someone in debt, but even then priority should be in getting out of it, not racking up more to the point that your whole paycheck goes towards those payments. There are tons of stories out there of people essentially in poverty due to low paying jobs that are still completely debt free. I truly think that people that pay for things like concert tickets with credit cards are irresponsible and not considering some of the things that you mentioned, such as the probability of car trouble in the future.njnancy said:
I am assuming that you make a good salary, have no dependents, have a wealthy family, have been lucky enough not to have a disability effect your life or you live in a van and subsist off of self grown vegetables.PJPOWER said:oftenreading said:
No, and no. There is a massive element of choice in each that is conspicuously lacking with slavery. Kanye notwithstanding.PJPOWER said:
Your reading comprehension sucks. They are both owned to an extent.Halifax2TheMax said:
I disagree. The slave analogy doesn’t apply to either.PJPOWER said:
Maybe not “slaves” in the literal, but they are definitely owned to different extents. Same is true for people with credit card debtsHalifax2TheMax said:
C’mon, you believe that? The US Senate is 100 members of a slave class? When do you move out of the US? And why do you bother voting, particularly for female candidates if they are all slaves?my2hands said:
You really want to try and defend the US senate?Halifax2TheMax said:
Thats the second poor analogy you've made today.my2hands said:
The only time they do the right thing is if their owners give them a green light... they only do things that benefit them politicallyHalifax2TheMax said:
Yea, sure. It’s a rare opportunity to “do the right thing.”my2hands said:
Integrity of the senate will be on trial? lol Since when has the US senate had integrity? The vast majority of them are bought & sold faster than the prostitutes on the PtapeHalifax2TheMax said:And isn’t the senate judiciary committee currently repub held and majority? The senate has been lied to. Repeatedly. The integrity of the senate will be on trial. Might not be all that difficult to find 20 angry repub senators.
https://www.cnn.com/2018/12/04/politics/roger-stone-fifth-amendment/index.html
Bought & sold like slaves. Yes mastah
Where the fuck is George Carlin when i need him lol
Almost entirely all of them are nothing more than bought & sold SLAVES... just like the rest of the vast majority of the political class
nut, addict "a fashion slave" -via a fucking simple google search of the word, lol
Credit card debt is not a choice in the way that you are so loosely throwing around. If one does not have any disposable income and a child needs dental treatment, do I let my child suffer or do I put it on credit? If my car needs to be fixed, do I say no a
eh tu, @PJPower?
In other words, don’t buy frivolous shit if you cannot
afford it. An $8000 used car payed for with cash will most likely get you around just as well as a $40,000 car with $600 monthly payments.
If you can afford to save up for a $40,000 BMW, and that is truly what your heart desires, then go right ahead and buy it. In the end you will be out the same amount of money (a little less if you saved for it due to lack of interest), but it should sting a bit when making a purchase like that. You don’t get that “sting” when you swipe a credit card. Personally, I would rather buy the $8000 car and put the $600 a month into investments, but everyone has their priorities I suppose.
These days we give so much more to charity and are able to do so much more (vacations, etc) than we ever could while making credit card and car payments.
If you are a Dave Ramsey fan, then I am a fan of you
Post edited by PJPOWER on0 -
2019Nice. You sound like some the listeners he has on his show. You should go on there and do the debt free scream. hahawww.myspace.com0
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Ha, there are some way more hardcore than us, lol. I never went out and got a an extra pizza delivery job or literally lived off beans and rice for a while like some.The Juggler said:Nice. You sound like some the listeners he has on his show. You should go on there and do the debt free scream. haha0 -
2017What's wrong with beans & rice?
Yummy0 -
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Comey coming across as honest, straight forward and professional and speaking highly of Bill Barr. Desperate last gasps of repubs trying to change the focus back to Hillary’s emails.09/15/1998 & 09/16/1998, Mansfield, MA; 08/29/00 08/30/00, Mansfield, MA; 07/02/03, 07/03/03, Mansfield, MA; 09/28/04, 09/29/04, Boston, MA; 09/22/05, Halifax, NS; 05/24/06, 05/25/06, Boston, MA; 07/22/06, 07/23/06, Gorge, WA; 06/27/2008, Hartford; 06/28/08, 06/30/08, Mansfield; 08/18/2009, O2, London, UK; 10/30/09, 10/31/09, Philadelphia, PA; 05/15/10, Hartford, CT; 05/17/10, Boston, MA; 05/20/10, 05/21/10, NY, NY; 06/22/10, Dublin, IRE; 06/23/10, Northern Ireland; 09/03/11, 09/04/11, Alpine Valley, WI; 09/11/11, 09/12/11, Toronto, Ont; 09/14/11, Ottawa, Ont; 09/15/11, Hamilton, Ont; 07/02/2012, Prague, Czech Republic; 07/04/2012 & 07/05/2012, Berlin, Germany; 07/07/2012, Stockholm, Sweden; 09/30/2012, Missoula, MT; 07/16/2013, London, Ont; 07/19/2013, Chicago, IL; 10/15/2013 & 10/16/2013, Worcester, MA; 10/21/2013 & 10/22/2013, Philadelphia, PA; 10/25/2013, Hartford, CT; 11/29/2013, Portland, OR; 11/30/2013, Spokane, WA; 12/04/2013, Vancouver, BC; 12/06/2013, Seattle, WA; 10/03/2014, St. Louis. MO; 10/22/2014, Denver, CO; 10/26/2015, New York, NY; 04/23/2016, New Orleans, LA; 04/28/2016 & 04/29/2016, Philadelphia, PA; 05/01/2016 & 05/02/2016, New York, NY; 05/08/2016, Ottawa, Ont.; 05/10/2016 & 05/12/2016, Toronto, Ont.; 08/05/2016 & 08/07/2016, Boston, MA; 08/20/2016 & 08/22/2016, Chicago, IL; 07/01/2018, Prague, Czech Republic; 07/03/2018, Krakow, Poland; 07/05/2018, Berlin, Germany; 09/02/2018 & 09/04/2018, Boston, MA; 09/08/2022, Toronto, Ont; 09/11/2022, New York, NY; 09/14/2022, Camden, NJ; 09/02/2023, St. Paul, MN; 05/04/2024 & 05/06/2024, Vancouver, BC; 05/10/2024, Portland, OR; 05/03/2025, New Orleans, LA;
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I want one.Go Beavers said:0 -
2017Make it 20
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Does he mean the President of France?Halifax2TheMax said:0 -
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