Reward people who use the system

[Anonymous 12]

I disagree. Having credit means you have never been bankrupt. It means you pay your bills on time. It means you are not in too much debt. It shows responsibility. It shows good financial planning.

It means you cant afford your stuff on your own and need help

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

That is exactly how it works. You could not afford those things on your own so you went into debt and borrowed money.

[Anonymous 12]

I disagree. Having credit means you have never been bankrupt. It means you pay your bills on time. It means you are not in too much debt. It shows responsibility. It shows good financial planning.

It means you cant afford your stuff on your own and need help

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

YOU don't pay anything, your husband does. YOU use his money from him working, why do you see that as an accomplishment?

[RedBottoms]

It means you cant afford your stuff on your own and need help

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

YOU don't pay anything, your husband does. YOU use his money from him working, why do you see that as an accomplishment?

Because I handle all budgeting. I make sure we don't over spend and live within our means. I have never forgotten to pay a bill and got late fees and a bad mark on our credit.

You do realize in the eyes of the law-its OUR money right? Legally married couples share funds and debts. If we got divorced tomorrow-the Judge would consider the money to be both of ours and then decide how to split it up. I came into the marriage with money-my Grandmother gave me the washer and dryer-does that mean its MINE and not DH's? No. Its Ours.

[Deleted User 172]

It means you cant afford your stuff on your own and need help

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

YOU don't pay anything, your husband does. YOU use his money from him working, why do you see that as an accomplishment?

In defense of Red (2nd time today, lol) some people choose to be SAHM and live off the single income. It's a completely foreign concept to me and seems a little outdated based on my own life but it works for some people.
When the family makes a choice like that the whole family participates. She's sacrificing her career and future so that her husband doesn't have to take off early to pick up one of the kids or go to doctors appointments, etc.

[Anonymous 12]

Agreed, being on welfare is not because of good decisions.

Not when he was on a crapton of welfare.

I think op kid is being held responsible for his bad choices.

Being on welfare is not because of good decisions.

[Anonymous 0]

What if you -could- afford your stuff on your own but chose a loan anyhow?

It means you cant afford your stuff on your own and need help

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

That is exactly how it works. You could not afford those things on your own so you went into debt and borrowed money.

[RedBottoms]

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

YOU don't pay anything, your husband does. YOU use his money from him working, why do you see that as an accomplishment?

In defense of Red (2nd time today, lol) some people choose to be SAHM and live off the single income. It's a completely foreign concept to me and seems a little outdated based on my own life but it works for some people.
When the family makes a choice like that the whole family participates. She's sacrificing her career and future so that her husband doesn't have to take off early to pick up one of the kids or go to doctors appointments, etc.

this. DH wanted to get top promotions and bonuses and the only reason he can do that is because he NEVER has taken a sick day in years. I think since we had the twins 11 years ago that man has maybe taken 3 or 4 sick days. In 11 years!!! Once when I was vomiting and so he had to care for the kids and once when I had to go help my friend in labor and he told his boss about that one ahead of time that it would be coming up and his boss was okay with it. And pretty much that is it. There might be one other in there.

That makes him look like an A++++ employee. Its why he always gets good raises and bonuses. Because he never has to take off to pick up a sick kid.

[Anonymous 0]

That would be stupid in my opinion. Going into debt is not smart IMO

What if you -could- afford your stuff on your own but chose a loan anyhow?

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

That is exactly how it works. You could not afford those things on your own so you went into debt and borrowed money.

[RedBottoms]

That would be stupid in my opinion. Going into debt is not smart IMO

What if you -could- afford your stuff on your own but chose a loan anyhow?

That is exactly how it works. You could not afford those things on your own so you went into debt and borrowed money.

You can get good credit without going into debt. I had fairly good credit at 23 just because at like 20 I took out a credit card and put stuff on it and then paid it off in full every month. No debt. No interest and yet I had a fairly good credit score to start my independent life with when I graduated college.

[Anonymous 0]

Borrowing isn't always done because a person doesn't have cash or because he can't afford something. Sometimes it's done because the borrower is earning cash back on the amount borrowed. As long as the borrower pays their full bill each month and no interest, this is actually a very wise thing to do.

It means you cant afford your stuff on your own and need help

that is not how it works at all. I never pay interest on anything but my mortgage and my car which is going to be paid of years early. We paid off our last brand new car years early. I put everything on my credit card each month and then pay the bill off in full when it comes so that we establish good credit on paying on time in full and we get rewards points like when we literally bought out Disney World tickets with points-but I never pay a penny in interest.

That is exactly how it works. You could not afford those things on your own so you went into debt and borrowed money.