I know this might just reflect financial culture differences across countries, but let’s give it a try
Edit: as a clarification, I meant credit card compared to debit, not to cash
I know this might just reflect financial culture differences across countries, but let’s give it a try
Edit: as a clarification, I meant credit card compared to debit, not to cash
Having a high credit score doesn’t mean you know how it works. For example, on time payments is part of the calculation. If you have no credit, you can get new credit and start at 100% when you start paying. If you have bad credit for missed payments, those don’t magically go away when you start paying, you have to wait for them to age out. They stick around for 7 years and drag you down.
Prices are lower, great if you have cash… which is what I said. If you’re paying a bunch of money in interest, it negates the benefit.
You “lost interest” when you realized you have no idea what you’re talking about… Most of this isn’t Ramsey stuff, it’s just finance stuff. If your ideas can’t hold up to any scrutiny, are they good ideas?
I lost interest when I realized I don’t care if you’re fucking up, and I don’t care if you think I’m wrong either. I don’t want to argue with you. Waste of my time. Like I said earlier, have a good one.
Maybe neither of us is fucking up, we’re each just doing what is best for our unique situations. Have a good one.