Poll: Financial Debt
- Thread starter Epifols
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I write down everything to the smallest detail, and calculate everything. Hell, if I'm going to buy a laptop, I simply make sure I have enough to buy it and then some in cash to avoid any extra cost without having to dip in the bank.
Last thing I want to do is to pay something simple with a Credit Card, get a 4% jack-up on price, and be forced to dip into the bank only to get another 3% tag in there, and work full time only to then drown under a 30% extra rate just because I couldn't pay the bill on time by a single day.
Last thing I want to do is to pay something simple with a Credit Card, get a 4% jack-up on price, and be forced to dip into the bank only to get another 3% tag in there, and work full time only to then drown under a 30% extra rate just because I couldn't pay the bill on time by a single day.
I don't have a credit card at the moment, I've got a fair amount saved at the moment. Upcoming car insurance and tuition fees will take a big chunk out of that.
There are certain things it's not really reasonable to expect to have paid in full in a single month. Household appliances, laptops, etc.jdun said:
Nothing right now. A few days ago, I thought I was going to be literally £1 in debt and nearly started crying >_< I don't have a credit card, so no debt so far.
I'm not in debt as such.. but I do owe student loans. It'll be like £20,000 when I finish, something like that?
It would be nice to be able to go on without getting a credit card ever.. but it's unlikely.
It would be nice to be able to go on without getting a credit card ever.. but it's unlikely.
I've got debt. Fair bit of debt. Don't have a rich mommy and daddy and they don't bail me out, so I'm left to it myself. I haven't loaned money for a couple of years now, these debts are being paid off from some time ago. Though my debt isn't credit cards it's loans.Epifols said:
I owe the student loans people £2500, they can pry it from my cold dead...metaphorical bank account hands.
Im about $3000 in debt just from paying for school for 2 years. Thats just all the stuff my financial aid wouldn't cover.
No creditcard = no debt = no financial crisis. I like it that way. I'm ?5600 in the plus as a matter of fact. I love my parents for paying my education.
Ignoring student loans I've been okay credit card wise. Most I've had was just under £2K, but I paid it off by basically not spending any money going out ect for a couple of months.
I've have recently however been made redundant when the company I worked for went into liquidation, and they owe me the best part of £1000 in wages which I may never see. So that sucks, I have no job, I have rent, bills ect to pay so I may soon be back in debt.
Dammit, 4 months into my iphone contract.
EDIT
I just felt something was incorrect with that info i just posted, so I went back to check my bank records, I was only £1k in debt! and that didn't last long because I got a long awaited deposit back
I've have recently however been made redundant when the company I worked for went into liquidation, and they owe me the best part of £1000 in wages which I may never see. So that sucks, I have no job, I have rent, bills ect to pay so I may soon be back in debt.
Dammit, 4 months into my iphone contract.
EDIT
I just felt something was incorrect with that info i just posted, so I went back to check my bank records, I was only £1k in debt! and that didn't last long because I got a long awaited deposit back
I don't have rich parents, but I'm not in debt. My dad set up a prepaid college fund before I was even born and I worked hard to get a scholarship while also saving up money. I have a credit card, but I only use it to float money and pay for things online.
Well as a college student, regardless of if I have a credit card or not, I have to have at least 20000 USD in debt per year.
