Juilian the dolphin

[black50]

we had about 15k in credit card debit 3 years ago, and being a single income family im proud to say i have cut our debit in half in 3 years and should be debt free in the next 2 years. Except the car and house.. There have been quite a few nights that we have eaten pb&j sandwiches for dinner, but the payoff will be well worth it..

[TheTRiM]

grats man looks like u had a blast, watch out for the thunder stealers, surely theres at least a dozen ballers on here who have done 2 debt free trips around the world already this year and have another planned for next week.

[Big A]

I still wear 4-5 pairs of socks that are 6 years old.

lol The first thing I did after landing the new job and getting settled into the new place, was buying a bunch of new underwear and socks. My mom has always been one to save ziplock bags, so I got a super huge box, and started tossing them after one (or two) use. On the big stuff I can still be fairly frivolous, but at least now my bottom line is taken into consideration. For me it's been a work in progress, I can see now how my spending when I was younger has hurt my future.

F the banks/credit companies.

I 100% agree. Though I take full resonsibilty for my actions, giving an 18 year old with no previous history access to 30k in credit is pure evil.

[347Mike]

I still have two cards and use one of them for auto bill pay. I will pay it off twice a month and still keep a great credit score and not pay any interest. Plus they cut me a check at the end of the year. LOL I am not against having and using them for day to day stuff instead of carrying cash, just not going to buy anything I cant pay off in two weeks.

Whaaaa?? I didn't know you can do that? I have my debit card added for a few and even my direct routing number but I didn't know you can use a 'credit' card? I am going to have to look into that.. That is a gold mind for AA points!

[kingjason]

I still have two cards and use one of them for auto bill pay. I will pay it off twice a month and still keep a great credit score and not pay any interest. Plus they cut me a check at the end of the year. LOL I am not against having and using them for day to day stuff instead of carrying cash, just not going to buy anything I cant pay off in two weeks.

[ceyko]

I have no idea why I have suddenly decided that I hate anything credit related but I did.

I still use credit, but mainly AMEX for business expenses and then my USAA credit card. I ditched most of the others, to a hit on my credit score. (funny, they fuck you and then fuck you again after you say "fuck you" to them.)

Why?

Cause they changed the fucking rules w/o notifying me and any debt on them was hard to pay down, if I had to pay minimum payments. Paid them all off and closed them.

I'm guessing that's why most of us are getting away from doing things on too much credit. Can't rely on them to play by the rules.

I just did a Mexico trip, all paid for as well. I did like the other poster though, 20% cash, 80% credit card and paid it off. Too bad we got a little carried away on a few things so it ate into savings a little more then expected.

F the banks/credit companies.

[347Mike]

I've always been the type to spend it if I have it, and alot was spent on other people. It took me some life experience to realize that that most other people aren't worth it.

I still wear 4-5 pairs of socks that are 6 years old.

[Big A]

I am exactly like that quote... I am a cheap ass and I love it.

I've always been the type to spend it if I have it, and alot was spent on other people. It took me some life experience to realize that that most other people aren't worth it.

[347Mike]

Like Al P recently said, and I am paraphrasing, "the more money that I amass, the less likely I'm inclined to part with it."

Kinda makes me understand the stories of the rich guys that are misers.

I am exactly like that quote... I am a cheap ass and I love it.

[Big A]

Same here!! I worked enough OT last year and the year before to finish paying off everything, including my wifes new car. Made my final payment last week on a CC and put a little money in the bank. I have no idea why I have suddenly decided that I hate anything credit related but I did. I really do not owe much on my house either and may attack that one next. I did all this while putting the wife thru school also. She graduates in a year and itg is going to be fantastic. Still wont be a ballers, but we are very happy and no slave to the man..................

Oh yeah we are both 39, must be something about the 40's. LOL

Like Al P recently said, and I am paraphrasing, "the more money that I amass, the less likely I'm inclined to part with it."

Kinda makes me understand the stories of the rich guys that are misers.

[Big A]

Yeah, well I would be telling those people they probably shouldn't be taking a vacation.

I guess I am missing the point of paying for a vacation in cash? A Bahamas trip is what, $1,500 - $2,000 for 4-5 nights? I am not trying to be a douche I am just missing the point. I also don't get who would use a credit card to fund a trip or a vacation. As for the credit card specifically, I would still put it on a credit card. That is $2,000 or whatever the amount is in airline points I wouldn't have had before and it would be paid off before interest even hits...

I guess I am in the minority compared to the rest of America. I look at being responsible and not having debt just something that should be automatic and not require a pat on the back for something you should already be doing. It is like a bad kid coming home from school and saying LOOK I Didn't get in trouble today, what do I get as a surprise? Money is one thing that annoys me when I hear people talk about their problems.

Anyways, goodjob on being responsible and enjoying the Bahamas! That is sincere by the way.

I personally wasn't brought up to understand interest rates and investment rates, so fault my parents. As an adult I now understand that using $5k out of my low-yeild fund will benefit me over putting it on an 18% credit card, and pat it off over several months. If your talking about putting it on a card and paying it off without any interest, that's the same as cash.

If you were brought up to avoid debt, then consider yourself blessed. It's a no-brainer to those that get it. I personally don't/didn't crunch numbers, and it got me into an unsavory spot. Just like TDD posted above, I had to learn the err of my ways, and sacrifice to get back back above water. I don't, nor do I think that he needs a "pat on the back," but is a source of pride in our own lives that we would like to share.

I hate the fact that I have to buy a house and start the cycle all over again.

[kingjason]

Yep, I'm old, 44. Many people here know that my wife and I lived on beans rice last year to pay off everything but the two houses. It wasn't easy only working to pay down debt for ten months but worth it now.

Same here!! I worked enough OT last year and the year before to finish paying off everything, including my wifes new car. Made my final payment last week on a CC and put a little money in the bank. I have no idea why I have suddenly decided that I hate anything credit related but I did. I really do not owe much on my house either and may attack that one next. I did all this while putting the wife thru school also. She graduates in a year and its is going to be fantastic. Still wont be a ballers, but we are very happy and no slave to the man..................

Oh yeah we are both 39, must be something about the 40's. LOL

[347Mike]

Alot of the country is steeped in debt, so much so that a vacation is paid for in the months following. I'm nowhere near there yet, as I still have to acquire and pay for a house, but I can take a vacation without a credit card. When I finally had no debt other than my car payment, it actually felt good. My goal is to pay half for my first house, and pay it off in 5 years.

To my credit I have 10- years on TDD, and have a single income, but his lifestyle is one to emmulate. Well, other than getting banged by a dolphin on vacation.

In before Sean88GT.

Yeah, well I would be telling those people they probably shouldn't be taking a vacation.

I guess I am missing the point of paying for a vacation in cash? A Bahamas trip is what, $1,500 - $2,000 for 4-5 nights? I am not trying to be a douche I am just missing the point. I also don't get who would use a credit card to fund a trip or a vacation. As for the credit card specifically, I would still put it on a credit card. That is $2,000 or whatever the amount is in airline points I wouldn't have had before and it would be paid off before interest even hits...

I guess I am in the minority compared to the rest of America. I look at being responsible and not having debt just something that should be automatic and not require a pat on the back for something you should already be doing. It is like a bad kid coming home from school and saying LOOK I Didn't get in trouble today, what do I get as a surprise? Money is one thing that annoys me when I hear people talk about their problems.

Anyways, goodjob on being responsible and enjoying the Bahamas! That is sincere by the way.

[TexasDevilDog]

Yep, I'm old, 44. Many people here know that my wife and I lived on beans rice last year to pay off everything but the two houses. It wasn't easy only working to pay down debt for ten months but worth it now.

[Big A]

No.. I just didn't know a debt free trip to the Bahamas was something worth calling out.. I sort of mentioned that too in my same post. That is all.

Alot of the country is steeped in debt, so much so that a vacation is paid for in the months following. I'm nowhere near there yet, as I still have to acquire and pay for a house, but I can take a vacation without a credit card. When I finally had no debt other than my car payment, it actually felt good. My goal is to pay half for my first house, and pay it off in 5 years.

To my credit I have 10- years on TDD, and have a single income, but his lifestyle is one to emmulate. Well, other than getting banged by a dolphin on vacation.

In before Sean88GT.