How broke are you?
 

Instead of hijacking a thread lets make our own...
How far up to your ass are you in debt are you?
How close are you to filing for Bankruptcy.
How many of you borrow from Mom and Dad because you are sorry as hell and have to drive that car that sounds like a pissed off bumble bee?



Let's get it on you broke dick bastards...

It's on :thumb:


I will start the thread

0 Mortgage debt
0 Consumer debt
0 Car payments

Bills I owe
Directv
Insurance
Taxes
Utilities
Food
and Cell Phone (thanks luv)

I rob banks for a living

Thats being Debt free :thumb: I like it

Im livestreams trigger man.

gotta eat cereal w/a fork to save milk
(can't remember who said that)
sec

do you want to know what i do?

excellent tip :thumb:

(writing that one down now)

Can I hide out at your place for a few days ? just till the heat is off me

Can't even afford to pay attention most days....

Nope, that does not matter.....

I wanna know how long you are gonna have to work to pay it off

That really is none of your business.

Come on down, we will make hot wings and drink lots of beer and watch bball :thumb:

Cmon dawg.... LMAO

my, so much has changed/improved since our foreclosure.
in 18 months:
Paid off 3 cards
Paid off my car
sold my bike (guy is picking it up today!)

Goal of paying off 2 more small cards by year-end.
Wifes car paid off in 12 months.(possibly sooner)

...gettin' there!

Other than my house payment I have none. I've been looking into the legalities of buying a home with cash because the market is so low and either short selling my current home or letting them foreclose on it.

my only recurring debt is my mortgage payment.

well i work on wall street. at pierce and pierce.

have you heard of it?

Remember that jackrabbit starts in a getaway car not only reduces your gas mileage, but it also reduces the usable lifetime of your tires.

So how much money do you guys make a year?? Post your W2's!

Let's get it on you broke dick bastards...

Don't let them forclose, if you do they determine how much you owe when they sell it, if you short sell you do.

Translation...

I still have ~70K left on the house and ~20K on the car. Those are my only debts. I hope to be free and clear by age 40 and retired by 55.

RainMan's house is usually available during the day. Try not to make a mess or scare the cat.

LMAO

Hell Ya, I really would do this but the accountant has all my shit right now.... maybe take a raincheck until tax season is over?

Well, it can be done......

Faster if you sell that car and buy one you can afford to buy cash...

Mom gave me the house I grew up in. It is paid for.
Im so god dam lucky. After the bottom fell out of the housing market. Well I would be living in a rusty van down by the river. I hope new housing market changes soon

I/we feel like a mountain of burden has been lifted from our shoulders. Feel like we can breathe a little, and can see the light at the end of the tunnel.

2008-Nov 2010 was a BITCH for us. holy crap....

Although I agree that would make sense financially, when I bought it I planned on driving it till the wheels fall off. It should be the only car I buy for a LONG time.

I've never used a credit card in my life either. I know it would help me build up credit, I don't care. I hate owing money to CC companies.

(Home built and paid for (built in 2002, Paid off 2009)

2002 Explorer 37k miles
2005 Suzuki 25k miles
1994 Mazda B2300 195k mikes

Keep that mindset and you will have few problems financially barring health issues

I'm RICH, BITCH!

A little secret... I have never bought health insurance my adult life, I just always took my chances. Until I got my job last year and now I get it through them. Not something I would recommend at all but it ended up saving me a ton of money over the years...

What bank do you keep your money in ?

Wasn't there another thread very similar to this recently?

I own 3 banks.

Yay, YOU!!

Don't cut corners on health coverage, one heart attack can put you behind the eight ball for life....

Even if you can only afford to get a policy with a 5,000 dollar deductible

This thread is reeruned.

Credit cards are amazing. I don't have to carry any cash, I pay 100% of the balance off every 2 weeks (it's never much unless I make some sort of a substantial purchase) and I get bonus cash at the end of the year. Simple amazing.

well if you don't want the answer, don's ask me...


Thats the problem with the broke dicks here, everybody thinks I speak one way and live another... If I say it, take it to the bank, I don't lie.

Like I said, I wouldn't recommend it, but that's how I went through my 20's.

I would rather not foreclose. I'm not behind on my payments or anything, but I may be losing my job because of layoffs and I have enough in savings to buy a home and would still have money left over. I don't know if I decided to short sell my current home if they could come after my next home or what I had in the bank.

I run Unions for a living ... i'm cakn patna!!

If you do that every 2 weeks then thats great.... scan a bill and prove it... I will give you a thumbs up... Most people who "Claim" they do this really don't

Why don't you put all that saved up money to work? If you're smart about it, you will come out on top even after having to pay your mortgage with whatever interest it is you're paying.

Haven't been in debt for 5 years.

Most people know when they are broke. Some people are broke and they don't even know it.

If you short sell they will come after you for the balance.... They could garnish your wages if you don't file BK if you file BK you won't get another house...

It's best to do the honest thing and pay any debt you owe... The housing market will turn around eventually, be patient

The problem with you is that you fail to realize that 99% of the members here don't give a **** about you or your financial situation.

I don't give a **** what you think or believe. I know what I do and how I do it. I'm sure as **** not scanning any bills, LOL. If a dumbass like you thinks that credit cards are evil, it's because you don't know how to use them or how they work.

Booya! :thumb:

You are broke.... Move along to the kiddie pool

get off my thread and take the 99% with you then..

I don't even know what you mean by broke. Do I have debt, yes? Is it credit card debt? No. Do I have savings? Yes. Do I live paycheck to paycheck? No.

Just because I make payments every month, doesn't mean I'm broke, but I can understand how a simpleton like you might not understand that.

Do me a debt to income ratio then, if you added up every bill you have, how much of a % of your NET pay does this equate to?

Can i borrow some money ?

i've been using credit cards for extras like rewards points since 1994 and haven't once paid $.01 of interest.

sorta, they bitch and say I hijacked it, so to prevent this from happening, I made my own...

It's different every month, depending on how much I spend using my credit card. But I make enough to pay all my bills and still have enough left over to put in savings. Eventually those savings will be invested. I'm 25, so hopefully I still have some time.

You got a HELLUVA lot of time, the choices you make NOW will determine if you are rich or poor in 20 yrs.....


Now tell me "I know" like my daughter does LMAO

You don't gotta lie..... ;)

I thought you were trust funded? Where did I hear this?

It's what I do, and have been doing it for just about as long... a while back the CC company went to a date range for the monthly due date, so once every year or so I end up paying $25 because one month it's due on the 28th and the next month it's the 23rd or some BS (of course, it's mostly my fault since I get the bill on the 1st and don't get around to paying it for 3-4 weeks). :banghead:

Besides that, I've paid it off every single month for about 15-16 years, and use the rewards to help pay for Christmas every year.

Bearcat, what I have analyzed by reading you is that you are a very responsible person ...

Try Perkstreet, they pay you 2% back on every purchase...

QFT.
I think R8ers is a couple of tacos shy of a combination plate.

What happened to that pic you just put in the OP, R8ers?

I hope that everyone here heeds and shares the invaluable financial advice given by a Fed Ex driver.

It's priceless.

I was afraid one of the Meth heads here might rob me

OK, I actually laughed out loud at that one.

The housing market may, but I don't know if the job market will. I'd also considered buying a home in cash and renting out my home until there's enough equity in it where I can break even on selling it.

You all should listen to a Runaway Child exploiter instead..

Got any new prospects today Dane? Maybe some 16 yr old needs a little pole dancing tips from the expert...

Scumbag

pot/kettle???

LMAO

I know your pathetic world, the only way that people succeed is either drugs or porn, which just goes to show how ****ing stupid and pathetic you truly are.

Go **** yourself, Fat Fingers.

No Your Mom/ Wife

That must be a nice neighborhood you live in.

No wonder you own your house outright. What did it cost? $25 grand?

Cmon Pedophile, tell us stories of how you lure kids into your dark world.

Yeah, you're real classy, you fat ****ing reerun.

Pedophile?

I'll tell you what you ****ing asslicking scumbag, no around here, including the mods like your stupid ass.

You've just crossed the line, Mother****er.

How bout Pedophile Scumbag Mother Humping Sister Humping piece of worthless scumbag shit...

Hey fat fingers, finish your sentences .... scumbag pedophile