10k was petty cash at that point

 

John, the cisco investing drug lord

jk jk

 

yeh.. sure

 

so when you buy something online, what do you do? send an envelope full of dimes and nickels?

 

Debit card.

 

then he has credit.

 

My question though to you is, Is it really that difficult to save that kind of money up?

Think about it a bit. do you need the latest toy, car, high dollar clothes etc. to make it through life right now? No definitley not and if you cut down to what you need and just a little extra and also cut out eating on the run and cook more at home you may just be surprised what you can save in a short period of time.

I have always done this to get what I want and it seems to work for me. Granted you aren't on the cutting edge of hip all the time but who really cares in the long run if it means you can enjoy it more later on in life when it really matters?

 

i'm still trying to figure out what you mean by living credit free? are you suggesting you have no credit history or that you never use credit cards?

 

i dont make $10k a year.. so yeh.

i go to school and work part time at a shitty job. only thing i blow my money on is booze and cigarettes. i cook myself dinner 4, 5 nights a week. i never buy new clothes, cds, video games, dvds or anything.

 

A debit card is not a line of credit. The debit card only works if I have cash in my account and once that is gone the card is junk. I thought this was common knowledge.

I have only ever taken one loan from an institution which was for $15k for some schooling and was paid off 6 months after I finished the school. One credit card with a $400 limit when I was 23 or so but I burnt that one quick.

So after not being on the credit books for a little over 10 years it pretty much puts me back to the start as far as credit is concerned.