leaving any balance on a credit card is actually insane they rake you over the coals w interest

doesn't your credit card have the option to pay your s*** automatically from your bank account at the end of each month

i still carry a debit card around with me but the account never has more than like 2k in it

never kno when imma need a lil bit of cash like that yk

Whenever I think about my debt I want to kill myself so I just don't

This reminds me that I need to put a deposit down for a credit card with my next paycheck so I can buy some Timbs and a Tommy Hilfiger puffer jacket.

*sits on a d****

I’m trying to get the highest score in debt so no

Hey

FUCC DEBT!

If you have enough money to pay off your debt in bulk then it would be much smarter to use that money to invest and make you more money rather than just dumping it to clear debt

Say you’re 80k in debt due to student loans. Your interest rate is probably less than 5% on those. You saved up 80k and you want to just pay off your loans? Someone should slap you.

Pay the minimum on your loans, invest that 80k properly, and you’ll come out ahead every year.

Dave Ramsey

I made enough this weekend to pay off one of my credit cards
13 more to go

Good advice in theory. The reality is many people lack the discipline/financial knowledge to do this successfully. If you have the money to clear your debt (especially if it’s a relatively low amount line $2K) and overspending/budgeting has been a longtime problem for you then I’d say paying off what you owe is by the far the best option to stop the cycle. Start investing once you’re out of debt imo

Yea I agree in paying off cards at the end of each month. Anything with high interest you don’t want to have sitting there for a while

But I see people freak out about student loans and s*** like that when they just need to change their perspective and gain more financial literacy.

If you're a living, breathing human on Earth..then you will always be in debt in some way, shape or form

10 to 15 ticks on a 2grand debt is actually substantial lol

If you can afford just fine thay it isnt going to hugely impact your life then why would you not pay it off

It also makes you look bad financially (if its egregious enough) for trying to buy certain things and hurts your credit score

Yeah this is definitely practical and feasible for the average person

Op said he 2k in debt and bro starts going off like op got a business loan

ONLY USE CREDIT CARDS FOR GAS

ONLY USE CREDIT CARDS FOR GAS

ONLY USE CREDIT CARDS FOR GAS

ONLY USE CREDIT CARDS FOR GAS

ONLY USE CREDIT CARDS FOR GAS

Only debt I got is my house

That doesn’t make much sense, maybe you got adhd or sumn… or are just dumb 🤷🏾‍♂️

Credits card should already be accounted for in expenses, learn how to budget gang

Deep!