General Chit-Chat Thread: A New Beginning

[Comrade Khan]

its better for us this way now lol

 

[Comrade Khan]

only buy what we can afford today

 

[Toilet]

that's not a bad thing at all

 

[Toilet]

Plus, if you save up for something and buy it I feel like you appreciate it more than if you just buy it on credit and slowly pay it off.

 

[Toilet]

A lot of my phones and shit that I use these cards on. I end up selling the device before I even have it paid off.

 

[Chris]

I have no issue with 0 interest deals, I take every one I can but I avoid any interest I can

 

[Chris]

Just leaves me more money I can have in my savings generating my own interest if I don't have to pay in full and don't get charged extra interest for it

 

[Toilet]

My best buy and apple card are both like that.

 

[Toilet]

purchased everything for my PC with 0% interest.

 

[Chris]

I have a spreadsheet where I track all my account balances and transactions, it's rudimentary still rn but gives me all the info I need until I make it more efficient one day. So it's a lot easier to know how much more I can afford a month .

 

[Chris]

I pay my credit cards weekly, just helps me budget easier mentally if I do. Charged a major balance over the holidays tho so I had to set up my own payment plan for that to follow lol but it's also 0 interest for the first year bc it's a new account

 

[Chris]

I'm just trying to make sure I max my cash back on the two cards I have now since I barely got used to having one

 

[Toilet]

See, I used to pay my cards like just as soon as i got money

 

[Chris]

They upgraded my best buy card to some visa thing that had way better rewards but when I looked into it, it was only redeemable in best buy rewards still lol and I never buy from them unless I have a specific usually expensive electronic

 

[Toilet]

but i had someone tell me it helps your credit score if you dont make a bunch of payments and just make one when it's due