Debt Free In '23 Challenge.

[crstrode]

Credit cards suck. I don't understand why people use them, at all

A while back, I went to go buy a new truck (without the wife's permission!) but found out I have no credit score. We buy everything cash. Even our vehicles (except I didn't want my wife involved this time, and new trucks are expensive) and our house is long since paid off.
I don't have credit because I have no activity, and it was suggested to me to get a credit card to build a FICO score. Well, my wife bought the truck for me, and I got a credit card, put about $1,800 on the card for mods on the truck, and I use my slush account to throw $200 a month at the balance.
What a stupid idea. Now I see why I hate credit cards. $200/month barely moved the needle on the balance. I'm going to need to just pay it off.

I chose $200/month to get my FICO score established. Regular payments over time is what bumps the score up. But dang, the balance seems to hover. I don't know how people carry 5 and 6 digit balances, the interest rate really cuts into it.

My last credit card was paid off in 1996, I swore I'd never get another one. I double pinky swear I won't do it a 3rd time. People keep saying they come up on a positive with their credit cards. Paying before the bill is due, transferring balances, getting cash back. Yeah, whatever, sounds like the people that go to casinos, you know the house always wins, right? Ain't nothing free

I bought a brand new Ford pickup recently. Paid cash because living within my means (actually below) has been standard procedure my entire life. I paid cash for my house 8 years ago as well. It is simple - anyone can do it with patience and self-discipline. Those two qualities are often lacking in many modern day folks - and all retards.

Oh, and by the way, I use credit cards very frequently since I get paid to do it, and am never charged a fee on a zero balance..

 

[Joe13]

Use my Citi card for all expenses and pay it off monthly. The net result is Citi pays me at the end of the year, a fine four figure bonus. And I never pay a cent of interest, annual fees or administration costs.

Credit cards suck. I don't understand why people use them, at all

Credit Card Debt sucks. If used like @nammac said, it's quite lucrative and honestly I find it very convenient to pay a lump sum and have all of my bills on auto pay (plus most of them are $10 cheaper to do so).


I have CC debt. I didn't for a very long time after getting out from under it the first time and it gave us very good credit scores.

However, life happens and a medical problem meant we went from carrying no balance to the lions share of our income missing. It was rack up debt or loose the house. I'm not sorry we are working our way back out of debt. I know we will get there and back to the wife's allowance on her card and mine on mine.

Until then it's chug away and save everywhere we can.

 

[crstrode]

Credit Card Debt sucks. If used like @nammac said, it's quite lucrative and honestly I find it very convenient to pay a lump sum and have all of my bills on auto pay (plus most of them are $10 cheaper to do so).


I have CC debt. I didn't for a very long time after getting out from under it the first time and it gave us very good credit scores.

However, life happens and a medical problem meant we went from carrying no balance to the lions share of our income missing. It was rack up debt or loose the house. I'm not sorry we are working our way back out of debt. I know we will get there and back to the wife's allowance on her card and mine on mine.

Until then it's chug away and save everywhere we can.

Having credit card debt does suck.

Having having credit card debt and no savings sucks worse.

It sucks even worse if you have credit card debt, no savings, and no brains.

 

[arakboss]

I have to run my latest plan by the wife but I think I can become debt free on July 4th. That would give additional meaning to freedom day for me.

If I stick with current plan to become debt free on July 18th, I can participate in some limited early holiday shopping (before July 1st). If she goes for my latest plan to become debt free by July 4th, I will have to sit out this shopping event. But come July 18th I will be ready to buy, buy and buy.

 

[1775usmc]

Get out of debt to go back into debt….

 

[arakboss]

Get out of debt to go back into debt….

No more credit card purchases for me.

 

[arakboss]

Looks like July 4th will be my debt free date. That means no online holiday shopping and I am skipping my July 4th long weekend trip to cabin. I am still taking the time off from work though. Maybe I will get a range trip or two in and test out some of my 20rnd groups.

I had these in my cart but I will let somebody else buy them. Free shipping on $100 plus purchases.

7mm Rem Mag Primed Brass Annealed-250 Pack - CDVS

Shop Combat Disabled Veterans' Surplus for 7mm Rem Mag Primed Brass Annealed-250 Pack - CDVS .

cdvs.us

7mm Rem Mag 154gr Black Tip Pull Down Bullets, 250ct

Shop Combat Disabled Veterans' Surplus for 7mm Rem Mag 154gr Black Tip BT with cannelure pull down bullets – 250ct - CDVS .

cdvs.us

 

[arakboss]

Paycheck arrived early.

 

[arakboss]

Paycheck arrived early.

View attachment 2121250

Can anybody tell me how these buy now pay later programs work.




Just kidding.

 

[CountryGent]

Paycheck arrived early.

View attachment 2121250

'gratz! Welcome to a big part of financial freedom.

 

[arakboss]

I am getting close to my 3 month Monthsary of being debt free. I am not feeling the joy many might expect from being debt free. I think the real yoke hanging on my neck was not the debt but the impulse to spend money. That has proven to be a tougher nut to crack.

My wife was complaining the other week because I don't want to go many places that don't revolve around getting great deals. She feels like there is not much point in working if she can't go places. (I am not stopping her from going places).
I suggested that working provides the food you eat, a roof over your head, the nice car you drive, etc, etc, etc. She wasn't impressed with that wisdom.

Back to my spending dilemma. I need to find activities that don't revolve around spending money on non-essential items.

I just spent $500 on this setup minus the stripped lower which I stripped at the meet up with seller. He included about a hundred rounds of ammo in a small ammo box as well. It was a great deal in my mind but probably non-essential, lol.

AR-15 Smith & Wesson M&P Sport II with extras!!

Hey everybody, I'll be leaving for bootcamp in the next two months so unfortunately I have to sell one of the best firearm purchases I've ever made. It comes with: - Burris RT-6 tactical kit (scope with fastfire 3 red dot above) - Magpul hand guard, adjustable acs carbine stock, grip, rear...

www.northwestfirearms.com

The main money suck, the past year or so, has been reloading components. Primers, powder, projos, brass and equipment.

Somehow I need to make my mind enjoy investing money more than spending it. Once I can do that, I will be on a shorter path to working less and maybe even have a desire to go places, with the wife.

Edit: The solution to the above may also be applied to other aspects of my life. Like preferring vegetables to junk food, exercising over not exercising, going places (that are free) vs staying home, etc, etc.

If I have to rely on some type of will power or resistance, the efforts will ultimately fail to be sustainable.

 

[arakboss]

I am getting close to my 3 month Monthsary of being debt free. I am not feeling the joy many might expect from being debt free. I think the real yoke hanging on my neck was not the debt but the impulse to spend money. That has proven to be a tougher nut to crack.

My wife was complaining the other week because I don't want to go many places that don't revolve around getting great deals. She feels like there is not much point in working if she can't go places. (I am not stopping her from going places).
I suggested that working provides the food you eat, a roof over your head, the nice car you drive, etc, etc, etc. She wasn't impressed with that wisdom.

Back to my spending dilemma. I need to find activities that don't revolve around spending money on non-essential items.

I just spent $500 on this setup minus the stripped lower which I stripped at the meet up with seller. He included about a hundred rounds of ammo in a small ammo box as well. It was a great deal in my mind but probably non-essential, lol.

AR-15 Smith & Wesson M&P Sport II with extras!!

Hey everybody, I'll be leaving for bootcamp in the next two months so unfortunately I have to sell one of the best firearm purchases I've ever made. It comes with: - Burris RT-6 tactical kit (scope with fastfire 3 red dot above) - Magpul hand guard, adjustable acs carbine stock, grip, rear...

www.northwestfirearms.com

The main money suck, the past year or so, has been reloading components. Primers, powder, projos, brass and equipment.

Somehow I need to make my mind enjoy investing money more than spending it. Once I can do that, I will be on a shorter path to working less and maybe even have a desire to go places, with the wife.

Edit: The solution to the above may also be applied to other aspects of my life. Like preferring vegetables to junk food, exercising over not exercising, going places (that are free) vs staying home, etc, etc.

If I have to rely on some type of will power or resistance, the efforts will ultimately fail to be sustainable.

One man's thoughts on training yourself to like something you don't.

View: https://youtu.be/yM0tQabjYYg?feature=shared

 

[arakboss]

One man's thoughts on training yourself to like something you don't.

View: https://youtu.be/yM0tQabjYYg?feature=shared

And another's thoughts. I see habit stacking has come up again.

How to Train Yourself to Like Something You Don't Enjoy - John M Jennings

We’ve all been there: contemplating doing something that we think would be good for us but not liking the particular activity. A great example is running. I love to run (but I’m not supposed to anymore which makes me sad). I’ve talked to all sorts of people who’d like to run but don’t enjoy it. […]

johnmjennings.com

 

[orygun]

I am getting close to my 3 month Monthsary of being debt free. I am not feeling the joy many might expect from being debt free. I think the real yoke hanging on my neck was not the debt but the impulse to spend money. That has proven to be a tougher nut to crack.

My wife was complaining the other week because I don't want to go many places that don't revolve around getting great deals. She feels like there is not much point in working if she can't go places. (I am not stopping her from going places).
I suggested that working provides the food you eat, a roof over your head, the nice car you drive, etc, etc, etc. She wasn't impressed with that wisdom.

Back to my spending dilemma. I need to find activities that don't revolve around spending money on non-essential items.

I just spent $500 on this setup minus the stripped lower which I stripped at the meet up with seller. He included about a hundred rounds of ammo in a small ammo box as well. It was a great deal in my mind but probably non-essential, lol.

AR-15 Smith & Wesson M&P Sport II with extras!!

Hey everybody, I'll be leaving for bootcamp in the next two months so unfortunately I have to sell one of the best firearm purchases I've ever made. It comes with: - Burris RT-6 tactical kit (scope with fastfire 3 red dot above) - Magpul hand guard, adjustable acs carbine stock, grip, rear...

www.northwestfirearms.com

The main money suck, the past year or so, has been reloading components. Primers, powder, projos, brass and equipment.

Somehow I need to make my mind enjoy investing money more than spending it. Once I can do that, I will be on a shorter path to working less and maybe even have a desire to go places, with the wife.

Edit: The solution to the above may also be applied to other aspects of my life. Like preferring vegetables to junk food, exercising over not exercising, going places (that are free) vs staying home, etc, etc.

If I have to rely on some type of will power or resistance, the efforts will ultimately fail to be sustainable.

I thought you were going a year without buying any firearms, or am I mistaken?

 

[arakboss]

I thought you were going a year without buying any firearms, or am I mistaken?

That is true, which is why I bought everything but the stripped lower.

 

[Stomper]

I thought you were going a year without buying any firearms, or am I mistaken?

That is true, which is why I bought everything but the stripped lower.

 

[nwslopoke]

I am getting close to my 3 month Monthsary of being debt free. I am not feeling the joy many might expect from being debt free. I think the real yoke hanging on my neck was not the debt but the impulse to spend money. That has proven to be a tougher nut to crack.

My wife was complaining the other week because I don't want to go many places that don't revolve around getting great deals. She feels like there is not much point in working if she can't go places. (I am not stopping her from going places).
I suggested that working provides the food you eat, a roof over your head, the nice car you drive, etc, etc, etc. She wasn't impressed with that wisdom.

Back to my spending dilemma. I need to find activities that don't revolve around spending money on non-essential items.

I just spent $500 on this setup minus the stripped lower which I stripped at the meet up with seller. He included about a hundred rounds of ammo in a small ammo box as well. It was a great deal in my mind but probably non-essential, lol.

AR-15 Smith & Wesson M&P Sport II with extras!!

Hey everybody, I'll be leaving for bootcamp in the next two months so unfortunately I have to sell one of the best firearm purchases I've ever made. It comes with: - Burris RT-6 tactical kit (scope with fastfire 3 red dot above) - Magpul hand guard, adjustable acs carbine stock, grip, rear...

www.northwestfirearms.com

The main money suck, the past year or so, has been reloading components. Primers, powder, projos, brass and equipment.

Somehow I need to make my mind enjoy investing money more than spending it. Once I can do that, I will be on a shorter path to working less and maybe even have a desire to go places, with the wife.

Edit: The solution to the above may also be applied to other aspects of my life. Like preferring vegetables to junk food, exercising over not exercising, going places (that are free) vs staying home, etc, etc.

If I have to rely on some type of will power or resistance, the efforts will ultimately fail to be sustainable.

Minimalist are less fun to be around than someone spontaneous, even if it's every now and then. Just saying.

edited

 

[arakboss]

Minimalist are less fun to be around than someone spontaneous, even if it's every now and then. Just saying.

edited

I invited her to tag along on my trip to pick up 6.5CM AR10 barrel this weekend. You can't get much more spontaneous than that?

 

[nwslopoke]

I invited her to tag along on my trip to pick up 6.5CM AR10 barrel this weekend. You can't get much more spontaneous than that?

I hate to make this a love chat, but have you ever thought to spend the cost of that barrel and take her somewhere sexy like Bend for a night? That alone will probably get you 2 AR10 barrels.

 

[arakboss]

I hate to make this a love chat, but have you ever thought to spend the cost of that barrel and take her somewhere sexy like Bend for a night? That alone will probably get you 2 AR10 barrels.

Guns aren't the most important things in life and now romance advice. Where am I, has this site been hacked?

Kidding, I appreciate your advice.