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  • $ (was: Re: Storms and rain)

    From JOE MACKEY@1:123/140 to DARYL STOUT on Tue Nov 13 06:20:26 2018
    Daryl wrote --

    I personally have a debit card. If I can't purchase it right then,
    and have money for the rest of my bills, I don't do it.

    I'm the same way, though I do have a credit card (with a $200 cap) I
    use once in a while to keep it active and pay off at the end of the month.
    I got into financial trouble years ago when I was "between jobs" for
    several months and lived on credit cards. But not for any extras. I
    used it for rent, groceries (no dining out), utilities, etc. Maxed out several.
    Once I was working steady again I paid those off, using a credit
    recovery service. They paid the bills and I made monthly installments to
    them, which was deducted directly from the bank. It was a couple of
    years before I was debt free and still am. :)
    Financially things started turning around after this.
    I am fortunate I have few expenses and able to save most of my pay
    cheques. I try to live on about $40 a month for "extras".
    I don't want to go back to the days fearing each phone call was from collector dunning me. (The only fear now is my captain wanting me to
    work that day. <g>)
    Joe
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  • From Daryl Stout@1:19/33 to JOE MACKEY on Wed Nov 14 11:45:00 2018
    Joe,

    I'm the same way, though I do have a credit card (with a $200 cap) I
    use once in a while to keep it active and pay off at the end of the month.

    I don't get enough to have a credit card. My brother was "a user" off
    of my Mom's...and he was livid because I cancelled it. Yet, he couldn't understand that using a credit card just delays paying for the purchase.
    You or someone else has to pay for it. I guess he thought the money tree
    was evergreen, and would never be cut down. He's 21 months younger than
    I am (I'll be 60 in a year and a half), but he doesn't have brain damage
    to do the math...I think he's just lazy and irresponsible...sad, but
    true.

    I got into financial trouble years ago when I was "between jobs" for
    several months and lived on credit cards. But not for any extras. I JM>used it for rent, groceries (no dining out), utilities, etc. Maxed out JM>several.

    I had a Discover Card and a bank Visa Card, and ran up a large amount
    of bills...some for medical, but some for travel, car repairs, etc. I
    ended up going into Chapter 13 Bankruptcy nearly 10 years ago. I was
    discharged from it a few years back, but I know I can't have a credit
    card. When I get calls from folks offering me one, I tell them "You're
    wasting your time...I'm in Bankruptcy". They usually hang up after that, because on a credit report, a bankruptcy (to me) is an instant red flag.

    I don't want to go back to the days fearing each phone call was from
    collector dunning me. (The only fear now is my captain wanting me to JM>work that day. <g>)

    I've used up all my sick days, so I'm calling in "dead". <G>

    Daryl

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