Notices
The Basement Non-Honda/Acura discussion. Content should be tasteful and "primetime" safe.

just checked my credit score again :hs:

Thread Tools
 
Old Dec 21, 2006 | 10:30 AM
  #61  
Nightshade's Avatar
Nightshade
un-Touch'd krew
 
Joined: May 2001
Posts: 51,774
Likes: 1
From: My own level of hell
Default

Originally Posted by k3ifers
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.
Graduate
Get a job
save up
Get married
Have kids
Die
leave something behind

Didn't realize you were still in school
__________________
"I'll keep my money, guns and freedom. You can keep the "Change."
Reply
Old Dec 21, 2006 | 10:31 AM
  #62  
k3ifers's Avatar
k3ifers
k three ifers
 
Joined: Jun 2002
Posts: 42,568
Likes: 4
From: Buffalo, NY
Default

Originally Posted by Nightshade
Graduate
Get a job
save up
Get married
Have kids
Die
leave something behind

Didn't realize you were still in school
yeh, thats the goal. im cutting back my drinking and smoking habits after this weekend :hs: hopefully that will bump up my savings
Reply
Old Dec 21, 2006 | 10:44 AM
  #63  
reno96teg's Avatar
reno96teg
Moderator
 
Joined: Dec 2000
Posts: 21,573
Likes: 0
Default

Originally Posted by Nightshade
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 know what a debit card is. you realize that some can act as a credit card as well, don't you?

point is, you're not living "credit free" if you own a house and have a bank account. you can pull a line of credit any time you want. a bum sleeping on the sidewalk is living credit free.
Reply
Old Dec 21, 2006 | 10:45 AM
  #64  
dubcac's Avatar
dubcac
I
 
Joined: Jan 2001
Posts: 56,525
Likes: 0
From: Westside til I die
Default

Debt free might be more appropriate.
__________________
2015 Ford Mustang GT Fastback - Ingot Silver - 6M - Performance Package - Gibson Catback, JLT CAI, FR 47lb injectors, BAMA E85 tune, Eibach Sportline, BMR wheel hop kit, UPR oil separator, Steeda shifter bushing/bracket
Team B.O.B.® - Ballaz on a Budget
Reply
Old Dec 21, 2006 | 10:45 AM
  #65  
RB's Avatar
RB
snitches get stitches
 
Joined: May 2002
Posts: 49,696
Likes: 1
From: Portland, OR
Default

Originally Posted by reno96teg
i know what a debit card is. you realize that some can act as a credit card as well, don't you?

point is, you're not living "credit free" if you own a house and have a bank account. you can pull a line of credit any time you want. a bum sleeping on the sidewalk is living credit free.
Well, if the house is free and clear, then that would have nothing to do with it.
Reply
Old Dec 21, 2006 | 10:48 AM
  #66  
reno96teg's Avatar
reno96teg
Moderator
 
Joined: Dec 2000
Posts: 21,573
Likes: 0
Default

Originally Posted by RB
Well, if the house is free and clear, then that would have nothing to do with it.
well, i mean, if the house is paid off and the deed is under your name, then you have the ability to get a loan for $value_of_house at any time, right?
Reply
Old Dec 21, 2006 | 10:49 AM
  #67  
Nightshade's Avatar
Nightshade
un-Touch'd krew
 
Joined: May 2001
Posts: 51,774
Likes: 1
From: My own level of hell
Default

Originally Posted by reno96teg
well, i mean, if the house is paid off and the deed is under your name, then you have the ability to get a loan for $value_of_house at any time, right?
How does this matter unless I take advantage of it?
__________________
"I'll keep my money, guns and freedom. You can keep the "Change."
Reply
Old Dec 21, 2006 | 10:50 AM
  #68  
reno96teg's Avatar
reno96teg
Moderator
 
Joined: Dec 2000
Posts: 21,573
Likes: 0
Default

Originally Posted by Nightshade
How does this matter unless I take advantage of it?
it's credit!!
Reply
Old Dec 21, 2006 | 10:51 AM
  #69  
dubcac's Avatar
dubcac
I
 
Joined: Jan 2001
Posts: 56,525
Likes: 0
From: Westside til I die
Default

But he's not using it, and hasn't applied for it...so it's not credit.
__________________
2015 Ford Mustang GT Fastback - Ingot Silver - 6M - Performance Package - Gibson Catback, JLT CAI, FR 47lb injectors, BAMA E85 tune, Eibach Sportline, BMR wheel hop kit, UPR oil separator, Steeda shifter bushing/bracket
Team B.O.B.® - Ballaz on a Budget
Reply
Old Dec 21, 2006 | 10:52 AM
  #70  
Nightshade's Avatar
Nightshade
un-Touch'd krew
 
Joined: May 2001
Posts: 51,774
Likes: 1
From: My own level of hell
Default

Originally Posted by reno96teg
it's credit!!
Your logic is flawed. That would be like saying that I have an application for a CC and even though it is not filled out and returned it, it is credit.
__________________
"I'll keep my money, guns and freedom. You can keep the "Change."
Reply



All times are GMT -8. The time now is 08:34 PM.