|
NaturalWonder83
|
 |
« on: December 22, 2012, 02:18:16 PM » |
|
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt
looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off
im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save
any advice??
|
w
|
|
|
|
G_Thang
|
|
« Reply #1 on: December 22, 2012, 02:21:02 PM » |
|
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt
i looked into western sky money loans-the commercial with the native american girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off
im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save
any advice??
prosper.com, if your credit score is above 660 or so. lenders covered a girlfriend of mine for 7,000 @ 8.95 for 36 mths. she paid it off in about 22 mths. |
I got Brass!
|
|
|
|
freespirit
|
|
« Reply #2 on: December 22, 2012, 02:21:19 PM » |
|
|
balonie
|
|
|
|
Johnny Falcon
|
|
« Reply #3 on: December 22, 2012, 02:21:44 PM » |
|
few questions
1 do you even lift?
2 have you considerd washing clothes in the bathtub, it could save your water bill plus you can sell you washer and dryer . if you wash your own clothese you can pump your arms thus you dont have to by that andropump NO blaster powedr
|
A-FREE-CAN
|
|
|
|
Johnny Falcon
|
|
« Reply #4 on: December 22, 2012, 02:22:56 PM » |
|
get lean with ramen noodles, canned green beans spend 5 dollar max on food a day
|
A-FREE-CAN
|
|
|
|
hrspwr1
|
|
« Reply #5 on: December 22, 2012, 02:23:10 PM » |
|
1st rule of how to save money - quit spending.
|
|
|
|
|
|
G_Thang
|
|
« Reply #6 on: December 22, 2012, 02:23:38 PM » |
|
don't pay attention to the dumbasses, go to prosper.com and see if you fit the profile. get a damn pier loan and make the payments on time.
|
I got Brass!
|
|
|
|
Johnny Falcon
|
|
« Reply #7 on: December 22, 2012, 02:25:50 PM » |
|
1st rule of how to save money - quit spending.
are you still plumbing? why dont you give him a cut of your pay i think hes willing to have some part time help if you need it |
A-FREE-CAN
|
|
|
|
mass243
|
|
« Reply #8 on: December 22, 2012, 02:26:03 PM » |
|
few questions
1 do you even lift?
2 have you considerd washing clothes in the bathtub, it could save your water bill plus you can sell you washer and dryer . if you wash your own clothese you can pump your arms thus you dont have to by that andropump NO blaster powedr
hahaha solid piece of advice  |
P
|
|
|
|
NaturalWonder83
|
|
« Reply #9 on: December 22, 2012, 02:26:14 PM » |
|
don't pay attention to the dumbasses, go to prosper.com and see if you fit the profile. get a damn pier loan and make the payments on time.
thank you i will look into it |
w
|
|
|
|
WOOO
|
|
« Reply #10 on: December 22, 2012, 02:29:45 PM » |
|
earn more income
|
,
|
|
|
|
tbombz
|
|
« Reply #11 on: December 22, 2012, 02:30:44 PM » |
|
I believe there are debt consolidation services that can give you the one monthly payment option without the need for taking out a loan. also, these credit card companies (banks) will almost always let you off the hook for considerably less than you owe if you are willing to play hardball and maybe take a couple hits to the credit score in the process. bullshit. people aren't forced into debt. they choose it. |
V
|
|
|
|
NaturalWonder83
|
|
« Reply #12 on: December 22, 2012, 02:31:37 PM » |
|
bullshit. people aren't forced into debt. they choose it.
agreed |
w
|
|
|
|
NaturalWonder83
|
|
« Reply #13 on: December 22, 2012, 02:33:17 PM » |
|
if any members would want to loan me the money-like 3000 dollars that would be cool
if the shoe was on other foot if i had the money and u asked me i would give u the money
|
w
|
|
|
|
G_Thang
|
|
« Reply #14 on: December 22, 2012, 02:33:45 PM » |
|
I believe there are debt consolidation services that can give you the one monthly payment option without the need for taking out a loan.
also, these credit card companies (banks) will almost always let you off the hook for considerably less than you owe if you are willing to play hardball and maybe take a couple hits to the credit score in the process.
bullshit. people aren't forced into debt. they choose it.
man, don't read this shit! do the pier loan. if you are a home owner, you will get AA rate, which runs under 7%. debt consolidation service  and no, they won't. BofA all but fucked up my line of credit for grad school. Go suck a dick, tbombz! |
I got Brass!
|
|
|
|
freespirit
|
|
« Reply #15 on: December 22, 2012, 02:34:39 PM » |
|
bullshit. people aren't forced into debt. they choose it.
You're just another brainwashed dumbfuck, monkyboy.  |
balonie
|
|
|
|
bradistani
|
|
« Reply #16 on: December 22, 2012, 02:38:15 PM » |
|
our grandparents had the right idea.. if you can't afford it, don't fucking buy it. seems simple enough to me  |
|
|
|
|
|
NaturalWonder83
|
|
« Reply #17 on: December 22, 2012, 02:39:48 PM » |
|
our grandparents had the right idea.. if you can't afford it, don't fucking buy it. seems simple enough to me agreed i know that now |
w
|
|
|
|
Kwon_2
|
|
« Reply #18 on: December 22, 2012, 02:44:09 PM » |
|
Bad credit-rating NaturalWonder?
Then down to Tier 6 for you according to Bay!
|
GO OUT FATBOY!
|
|
|
|
NaturalWonder83
|
|
« Reply #19 on: December 22, 2012, 02:44:57 PM » |
|
Bad credit-rating NaturalWonder?
Then down to Tier 6 for you according to Bay!
my credit is good-very good |
w
|
|
|
|
Grape Ape
|
|
« Reply #20 on: December 22, 2012, 02:45:01 PM » |
|
Call the credit card company and negotiate. See if you can suspend the interest.
Then, go spartan in terms of spending until it's gone. It will be a small blip on your radar.
|
|
|
|
|
|
NaturalWonder83
|
|
« Reply #21 on: December 22, 2012, 02:45:34 PM » |
|
Call the credit card company and negotiate. See if you can suspend the interest.
Then, go spartan in terms of spending until it's gone. It will be a small blip on your radar.
ive done that |
w
|
|
|
|
lovemonkey
|
|
« Reply #22 on: December 22, 2012, 02:46:58 PM » |
|
In before BayGBM posts a link to an old thread.
|
from incomplete data
|
|
|
|
funk51
|
|
« Reply #23 on: December 22, 2012, 02:47:12 PM » |
|
sell a kidney you have two for crying out loud |
|
|
|
|
|
freespirit
|
|
« Reply #24 on: December 22, 2012, 02:51:20 PM » |
|
|
balonie
|
|
|
|
