It used to be around 3 or 4 when I had a good paying job, but now... ****ing 5. I'd go 6 if I could break my own scale... :|
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It used to be around 3 or 4 when I had a good paying job, but now... ****ing 5. I'd go 6 if I could break my own scale... :|
umm... 5 of course. What else could it be? Its the reason I have no money right now.yentlequibleCould be 1 if you're well off and just love the fact that you're improving your credit.
[QUOTE="yentlequible"]umm... 5 of course. What else could it be? Its the reason I have no money right now.JustPlainLucasCould be 1 if you're well off and just love the fact that you're improving your credit.
So you mean its possible for a sane human being to enjoypaying their bills? :o Its necessary, thats the best I can say for it.
Yeah. I mean, if you make a lot more than you spend, and you actually get a thrill out of knowing you're improving your credit, you may get giddy when you check the mail and see the water, power, credit, car and phone bills all at once.So you mean its possible for a sane human being to enjoypaying their bills? :o Its necessary, thats the best I can say for it.
argetlam00
You make a very good point.2, I guess. It's just something you do; I'm not sure why I'd be angry about it. I prefer it to the alternative, which is having my services cut off. :P
GabuEx
0, as I am without bills. :DSeraphimGoddessHonestly.. get a cell phone. Get a car. Get a credit card. Now that you're working, get some bills to pay and establish your credit now. Just make sure you don't use them to the point where you won't be able to pay them off.
[QUOTE="yentlequible"]umm... 5 of course. What else could it be? Its the reason I have no money right now.JustPlainLucasCould be 1 if you're well off and just love the fact that you're improving your credit. For me, I always feel a weird sense of satisfaction from paying my bills; of course, my income is greater than my expenses, so that probably helps quite a bit.
[QUOTE="JustPlainLucas"] Honestly.. get a cell phone. Get a car. Get a credit card. Now that you're working, get some bills to pay and establish your credit now. Just make sure you don't use them to the point where you won't be able to pay them off.SeraphimGoddessDon't need a cellphone, I'm too afraid to drive, and I don't trust credit cards. :D Then get a debit card.
[QUOTE="JustPlainLucas"] Honestly.. get a cell phone. Get a car. Get a credit card. Now that you're working, get some bills to pay and establish your credit now. Just make sure you don't use them to the point where you won't be able to pay them off.SeraphimGoddessDon't need a cellphone, I'm too afraid to drive, and I don't trust credit cards. :D
What's not to trust about credit cards?
If you get your wallet stolen and there's gobs of cash in it, it's gone; if you get your wallet stolen and there's a credit card in it, you have zero liability for any purchases made with it.
[QUOTE="Xeros606"] What don't you trust about credit cards? The worst thing that could happen with one is getting yourself in huge debt with a credit card company. Then you're just ****ed.SeraphimGoddessI don't like the idea of interest. There isn't any interest unless you (for some reason) can't pay off your monthly bill. Then the interest becomes like 20%+ and compounds every month that you don't pay it off.
Any money or valuable belongings I don't plan on using right away are tucked away into a hidden pocket I usually sow into my clothes. And I'm constantly wary of what people near me are up to. So that has a small chance of affecting me.What's not to trust about credit cards?
If you get your wallet stolen and there's gobs of cash in it, it's gone; if you get your wallet stolen and there's a credit card in it, you have zero liability for any purchases made with it.
GabuEx
I don't like the idea of interest. There isn't any interest unless you (for some reason) can't pay off your monthly bill. Then the interest becomes like 20%+ and compounds every month that you don't pay it off. And it only takes an unexpected loss of a job to possibly screw me over.[QUOTE="SeraphimGoddess"][QUOTE="Xeros606"] What don't you trust about credit cards? The worst thing that could happen with one is getting yourself in huge debt with a credit card company. Then you're just ****ed.Xeros606
[QUOTE="GabuEx"]Any money or valuable belongings I don't plan on using right away are tucked away into a hidden pocket I usually sow into my clothes. And I'm constantly wary of what people near me are up to. So that has a small chance of affecting me.What's not to trust about credit cards?
If you get your wallet stolen and there's gobs of cash in it, it's gone; if you get your wallet stolen and there's a credit card in it, you have zero liability for any purchases made with it.
SeraphimGoddess
Credit cards also let you build good credit, which in turn will help you buy things for which one will likely need a loan, such as a car or a house.
And they're more convenient, too; you don't have to constantly be replenishing the amount of money you have on hand.
Really, they seem to have tons of upsides and not really any downsides at all, unless one treats them as though they're free money.
[QUOTE="Xeros606"]There isn't any interest unless you (for some reason) can't pay off your monthly bill. Then the interest becomes like 20%+ and compounds every month that you don't pay it off. And it only takes an unexpected loss of a job to possibly screw me over. That's why you should keep a bit of cash saved up for emergencies like that and why you shouldn't rely on them for every single transaction. Look into one to start building credit, which you will really need to get a loan for a car, house, etc.[QUOTE="SeraphimGoddess"] I don't like the idea of interest.SeraphimGoddess
I'm a person with poor impulse controls, so to my mind when I'd see something I want, it would be free money. :PCredit cards also let you build good credit, which in turn will help you buy things for which one will likely need a loan, such as a car or a house.
And they're more convenient, too; you don't have to constantly be replenishing the amount of money you have on hand.
Really, they seem to have tons of upsides and not really any downsides at all, unless one treats them as though they're free money.
GabuEx
[QUOTE="GabuEx"]I'm a person with poor impulse controls, so to my mind when I'd see something I want, it would be free money. :PCredit cards also let you build good credit, which in turn will help you buy things for which one will likely need a loan, such as a car or a house.
And they're more convenient, too; you don't have to constantly be replenishing the amount of money you have on hand.
Really, they seem to have tons of upsides and not really any downsides at all, unless one treats them as though they're free money.
SeraphimGoddess
Well, then it seems to me that it's yourself whom you don't trust, not credit cards.
Well, myself with credit cards, yeah. >.>Well, then it seems to me that it's yourself whom you don't trust, not credit cards.
GabuEx
the only bill i pay is my phone and i helped my parents pay bills a couple of times, but when i get my own place after college i know i'm going to rage alot
1, no problem paying it..Ronstera
i was starting to think i was standing alone in OT againProbably 0 or 1. Not that bad, never felt angry while paying a bill.
Snipes_2
I hate it...I voted a 5. I know it's necessary, but it doesn't make my measly checking account feel any better when I drop the money for rent, utilities, soon my college loan payments...fun fun fun!
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