How do people afford this stuff??

The economy is based on transactions not debt.

 

No, it’s based on debt

 

People who dont understand the big picture think so, but really, its not.

 

I've had my credit card a year now and I've never spent more than 30% of my credit line, and have paid my statement in full every month. It's not hard. Not a penny in interest.

Edit: and I'm about to redeem my cash back and buy more taco stuff lol

 

I've yet to do any major mods over 500 as in stock form the truck does everything I need and even a lil more.

I pull in 4k after tax a month have 2 kids and 2 new cars btw, and I also dont understand how people pay for this shit other then getting in debt.

 

WOW. And you LIVE in CA????

Amazing! Major props.

 

Absolutely.

Have you heard of a "charge card"? This term is often a synonym for credit card but its not, the difference is revolving credit. A charge card must be paid in full every month and has no revolving credit therefore they often have no limit. The most popular charge card is American Express and Discover. They both offer a line of credit cards with revolving debt but their premium cards such as the Platinum card is a charge card. Must be paid in full every month...Amex was founded in 1850 so...

EDIT: charge cards generally have an annual fee. Amex Green is $95 but there are benefits received from it and its way cheaper than Credit Card interest.

 

People that are sheep tend to not understand how money and economics work

 

ME

 

I'm not making the connection. What do sheep and education have to do with each other?


We learn basic economics when we are 10 and mowing peoples lawns in the summer. I mow your lawn, you pay be $10, I buy a candybar at 7-11 for $2. We just completed two transactions with no debt. My lawnmower wheel breaks and cost $10, I borrow $2 from my parents and buy a new wheel, complete your lawn for $10 repay my $2 and buy a candybar for $2. We just completed 5 more transactions. OR, the wheel breaks and I borrow your lawn mower to mow your lawn for $10 and purchase a new wheel and a candy bar. We just made 1 exchange and 2 transactions.

Anyways, can easily google, economics, micro-macro etc. Anyways, not sure how sheep plays into this.

 

lol honestly that's nothing.

My sister and I have to go half on a house.

 

Makes sense

 

Gernaded the front diff half way. Most expensive tow bill I ever had. But it was a blast doing it .I will return n finish it it's the only one left on my bucket list. And it is one of the more beautiful trails I have been on at dusk or dawn.

Get preaproved in at 0 lending fee 360k loan 0 closing but I'm the few disabled vets. Now just trying to find a house I n the va aprove.

 

I get it. Been driving my ‘04 since it rolled off the lot and don’t have any supermods. Also been saving cash for a couple years to buy a new one with about a 2/3rds down payment.

If the answer to HOW is credit card debt or insane financing, I’ll drive my old beater any day!

 

Im hoping the overland/expo fad ends so I can justify another used Toyota 4x4.

 

10 more years

 

I build on a budget and start with the important stuff. Going off road, you need sliders, then armor. Don’t fall for lifts, wheels an tires. Get the sh%t that protects your sheet metal. Then save up for the next step. Yea its expensive, but you get what you pay for. IMO

 

Budgeting is key. While I'm lucky on the border with 2 countries to shop for parts in, I have also not had vehicle payments in almost a decade. I may have already done a lot to my Tacoma, but I had also been saving since last summer when I first started casually browsing for new vehicles.

The one thing I hadn't accounted for was @mesojdm!!!! Buying his stuff has put me over what I was expecting and planning, but it's worth every penny!

 

Yea. I have an air miles credit card so its .....buy stuff , go for a trip, buy more stuff, go for another trip. See a pattern here...

 

Public school system has failed us once again