Alabama thread!

sup fellas.

 

Sup Brian

 

Good morning Brian.

 

Third Wednesday of the month, paying bills.

 

Got my first truck payment this week.

 

Sup erbody

 

Fuck this day

That sucks

Sup Stevie

 

Sup Philip? You get that doo hickey ordered?

 

Nah, it's backed ordered for 4 weeks.

 

Sooooo you ordered it and won’t ship out for 4 weeks?

 

I need to call the company. I had never heard of them, but are listed on the UK's site as the US distributor.

 

Yep, went from no payment to payment but gotta pay to play lol.

 

I don't want another one. The Tacoma was the first time I've ever had a payment..........sucks

 

I paid cash for my Tacoma. I had saved up a ton when i was in college. Mom helped me out a little. I was lucky and had basically a full ride so i didn't have any debt. Financed my Corolla to work on my car credit. I put down a large amount on the Tundra so i could make payments small. I could have paid cash for it, but id rather spend someone else's money and keep my money in my pocket and keep my credit increasing. My mom taught me alot on how to mange money. Something school never taught me lol.

 

Once I had everything paid off , my credit started dropping when I thought it would stay up. I was taught if you can’t pay cash for it to save up to stay outta debt. But nowadays it’s impossible to do that.

 

It's a fucking scam. The banking industry needs people to stay in debt.

 

If you dont know how to manage your money and know how interest works then yes, it is a scam for those ppl. Hower there are ways to work it in you advantage. For instance. On our last cruise i got a $500 credit for opening a credit account with the cruise line and then put all my onboard purchases on it. It didn't effect my credit since i had already had a hard inquiry withing the same time since i bought my truck and inquiry don't stack if you do them all at the same time. So they gave me a free $500 and i just paid off the card when we were done and most likly will close out the account lol. Really You need to have reserve amounts of cash to make credit work otherwise you get into their trap on never bening able to catch up on payments. Im sure @baldridge knows all too well how this works since hes a banker lol.

 

So you’re saying if we need a loan to contact @baldridge ?

 

But look at insurance policies. Your credit score should have nothing to do with that cost. You pay for insurance and then have it. You don't pay....you don't have it. Your credit score shouldn't matter with stuff like that. The banks didn't come up with "credit" to help people. It's a money maker for them...........and now businesses that have no reason to be involved are.

Most of our taxes go towards paying interest on loans that OUR government took out, the money isn't going back into the country.

 

My health insurance monthly payment is based on my income. I didn't go to the doctor 1 time last year either.... That makes no sense to me.