I'm at a 758 right now. Credit makes no sense on how often it changes.
I paid off a personal loan and my shit dropped 10 points.
People, take care of your business! Life comes at you fast!
- Thread starter woodchuck
- Start date
I'm at a 758 right now. Credit makes no sense on how often it changes.
I paid off a personal loan and my shit dropped 10 points.
I hear what her mouth say but what her mouth do?I was talking to a co-worker last week, and she was telling me about her struggles. First of all, her oldest hates his dad, but his dad won't let him leave, because Florida law allows him to get child support. So, she's getting killed with that. Then she told me about having all of these subscriptions like HBO+, Amazon Prime, Netflix, etc. I told her she need to get rid of them, but she doesn't want to let them go. She works 2 jobs, and she just got a new car with payments of $987+/mo for 60 months. This is fucking insane!!! I gave her a, and she asked me how much my note was, and I told her I didn't have one. My shit's paid off. Then she asked me how what was paying before the payoff, and I told her $427/mo for 24 months, and she hit me with a
I was talking to a co-worker last week, and she was telling me about her struggles. First of all, her oldest hates his dad, but his dad won't let him leave, because Florida law allows him to get child support. So, she's getting killed with that. Then she told me about having all of these subscriptions like HBO+, Amazon Prime, Netflix, etc. I told her she need to get rid of them, but she doesn't want to let them go. She works 2 jobs, and she just got a new car with payments of $987+/mo for 60 months. This is fucking insane!!! I gave her a
thats what Im sayin these democrats dont give a fuck only because they STOPPED the stimulus which wouldve helped people like her,
They got the presidency, house and senate and they are more worried about ukraine...
republikkklans are no better they throw our money at england and isreal...
we need a govt that works for US not for other countries...!!
Hey why dont you tell her to at LEAST get a firestick bruh.. sure it has a learning
curve but the money she will save will be worth it...
She pays $1000 monthly for a car that isn’t a Rolls Royce? Her note is twice her credit score?
I would wish her the best. I’ll definitely put my credit on lock just by hanging around her.
I would wish her the best. I’ll definitely put my credit on lock just by hanging around her.
I was wrong. I just checked mine on AMEX & Capitol One. It's 768 now. This is bullshit.
I got a spreadsheet I created that keeps track of all my bills, credit cards, and paychecks.
I always know where I am financially.
I have found people don't like to face their spending habits because it makes them feel bad.
I had to face this reality and said fuck it.
I'm a weed smoker, so you know that's a bill. I'm spending over 4k a year on that alone. I own it because it's my vice.
However, when we were struggling, I cut that shit out.
Sometimes life just comes at you fast with no time to prepare. Unfortunately our safety net in America is shit.
I hate to sound like his coworker, but that credit shit ain’t real.
When I was younger, I invested in a shared secured loan and credit card for a substantial amount. And just like that I had “gewd crehdit”.
My Capitol One has me at 756. I don't have an AMEX, but my wife does though.
I'm at 15% utilization on my credit. I got 12k left of credit to pay. That'll be greatly reduced by the end of the year.
safety net? When you see white men on every corner with a sign asking for help, you know something is afoot.
Bad credit is like being black. They both have real-life consequences no matter what we think.
Unfortunately cars aren't as cheap as they used to be.
Paying off a 40k loan with no interest in 4 years is $833 a month. Now imagine the cost with factoring in financing and credit score.
I think they’re doing 8 year loans now.
This is an AMERICAN story where she's in her 40's and hasn't learned one fucking thing yet and it might be too late for her like it is for many other AMERICANS who don't separate want and a need.....she wants cable,she wants that car and that high ass payment and clearly she didn't want that job or she wouldn't of called in so much.
does she have a youtube channel? cause everyone an their mommas have one.....
does she have a youtube channel? cause everyone an their mommas have one.....
Yes you're right, they can do 8 or r 10 depending on your car, but...
The woman that this thread's about has a 5 year loan paying $987 a month. For 60 months. That's 60k over the life of the loan.
In other words, the 40k or so that the car that she bought costs without interest is $667 a month to pay off 40k over 60 months.
So in short, she's paying an extra $300 a month in finance charges because of her credit. So to her credit is
It’s why cash is king.Of course you did, because you fronted the money first!
When I was a kid, I would just collect 3 month CDs like it was pussy. I remember planning for my retirement plan at 18 — contributing the maximum every single year.
Do you think she’s going to pay that money for the entirety of the loan? She’s not going to last 13 months. That car will be repossessed and I’m going to presume Uncle Chuck is going to help her out with the down payment for a new vehicle.Yes you're right, they can do 8 or r 10 depending on your car, but...
The woman that this thread's about has a 5 year loan paying $987 a month. For 60 months. That's 60k over the life of the loan.
In other words, the 40k or so that the car that she bought costs without interest is $667 a month to pay off 40k over 60 months.
So in short, she's paying an extra $300 a month in finance charges because of her credit. So to her credit is
Common sense isn't very common with a lot of folks today. Some people just don't know how to manage their money (and their lives). Good decision making is the key to living well. Life is about the decisions you make. Some people are just pretty good at making bad decisions. We have to be wise when making decisions in 2022.
You could be fucking a bitch down on her luck for Netflix and 8 piece nuggets from Chik-Fil-A (12 count is outta the question) and you're on BGOL whining about the chick's life.
Perception and perspective is everything. @woodchuck made this thread to promote people to do better.
And also to help educate those around us to do better, but there's always a negative nigga in the bunch that just doesn't fucking get it.
I've got an idea
Have you ever the luxury of given financial advice from people that are usually in financial binds?
It’s the most weirdest thing you can experience. But I’m a humble guy and I heed their warning. Last thing I want is to hear I told you so from a person like that.
Do you know how many homeless women we are going to see in the next 20-30 years.
Ain’t that shit sad?Hell naw she's not paying it off!
Some folks really forget what this country was built on and how it operates.Fools out there getting 10 year car loans now
I was talking to a co-worker last week, and she was telling me about her struggles. First of all, her oldest hates his dad, but his dad won't let him leave, because Florida law allows him to get child support. So, she's getting killed with that. Then she told me about having all of these subscriptions like HBO+, Amazon Prime, Netflix, etc. I told her she need to get rid of them, but she doesn't want to let them go. She works 2 jobs, and she just got a new car with payments of $987+/mo for 60 months. This is fucking insane!!! I gave her a
Bro, I’ve said this before and I’ll say it again. Nobody throwing no lifelines. Ain’t nobody coming to save YOU. Save yourself. If you keep doing dumb shit and won’t grow the fuck up, lay in the bed you made for yourself or take a dirt nap. Forever. She good from what I see. Ain’t no priority on getting better. You ain’t doing it for me, do it for YOU or live a miserable existence. Im done.
Yes you're right, they can do 8 or r 10 depending on your car, but...
The woman that this thread's about has a 5 year loan paying $987 a month. For 60 months. That's 60k over the life of the loan.
In other words, the 40k or so that the car that she bought costs without interest is $667 a month to pay off 40k over 60 months.
So in short, she's paying an extra $300 a month in finance charges because of her credit. So to her credit is
10-year car loans?
