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did a debt collector type this?

blessed to have never been in debt

pay it off bro

nah im the one getting collected on

got 2k debt right now 😪

that's soft tbh

yeah honestly i know it's not much but im always stuck in the psychological trap of not paying the debt off in full even if i have the money and watching the interest charge like :-(

Dont let them steal your money

idiot

just pay the debt in full?

true

Are you dumb or stupid

they're like 10-15 dollar charges so im usually not sweating in, but its only cause I only recently started to really get my money up so I should probably just pay it off soon yeah

yes. you are losing money by not doing so. do everything you can to never carry any debt unless it is a true emergency and you have no choice

or for big s*** like a mortgage i guess

you're right, thank you. i'm not gonna pay it off in full yet but im definitely gonna knock it out in like 3 huge payments this month

i put everything on my credit cards and pay them off in full every month. it's genuinely free money that way. effectively a 1-5% discount on everything depending on ur rewards

i am fleecing these scumbag CC companies and with joy

thank you ima start doing this now that im almost debt free

8AM in Charlotte plays in the distance

I love my credit cards. I spend about $150 per year and always have the newest iPhone by opening a new card with 0% APR, buying the phone with the card, making the minimum payments, selling the old phone, paying off the balance with the proceeds, and then repeating the process.

I do this with point cards and fly for free

Wait I’m unemployed I’m boutta fly to South America for a week

This is how it should be done. Your debit cards should be locked up and not even carried with you regularly. Credit cards just have way more protection.

@op is an idiot.

u love me nerd

notes taken