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WINNING = ME |
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But I can understand where you are coming from. I wouldn't care either if it wasn't coming out of my pocket when I'm in that situation. Hell if someone told me after putting an engine I made about 1200 bucks on buying and installing that if I would knock off 50bucks if they didn't use a cardi would do it every time. I would gladly pay whatever perks they would be getting off that transaction because they are hitting the point of sale for at least 3x that. And like I said nothing against you lew, just bitter lol. But reading that has probably helped make up my mind to just charge the 3% add for using the card to every transaction. So actually thanks, this thread just saved me money Posted via Mobile Device |
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How does one get credit?
I pay cash for anything that isn't a monthly bill. I walk out of work with cash every shift though so it's convenient for me.
Idk if I'd ever carry around cash if I only made money off of paychecks. |
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Yes he sure does bud. He sure does! |
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Why do you need credit? You have a paid off house and can live off <$30k easy. Retire early and screw credit. You can always open a HELOC if you needed cash in an emergency.
http://mrmoneymustache.com PM me if you have any other questions. |
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My base is just under $200k with some bonus potential.
My debt consists of wives daily driver which is 18 months from payoff, but at 0% why pay early? I also owe about $200K on my house that has a 30 year mortgage at 3%, and has about $100K of equity. Credit rating is around 800, I use my Chase to buy everything and reap the rewards at the end of the year in cash back, but I guarantee the wife and I spend money we wouldn't otherwise if cash based. I pay it off in full; every month without fail. My question to the CP gurus is what to do next, pay off the 0% car just to get it over with, start paying off the mortgage, or start heavy investing in IRA's, mutual funds, etc... My 401K is low six figures, have about $60K in stocks, and $75K in my online checking/money-market account. I'm mid 30's, so I obviously need to get my retirement rolling, but I am at a total loss what to do next due to my low cost of money borrowed. Start heavy debt elimination, or heavy investing? The money in the bank is just losing value, although inflation is non-existent and the feds are taking steps to avoid deflation I hear. |
My credit score is available through my CC company. I score 849 out of 850. What the hell? Did I put a stamp upside down on an envelope? How do you have a perfect score minus one point? I can look at my history and everything is perfect.
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