To all you snobs on here who look down on people in credit card debt...

[Merlyn3D]

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: Hammer

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: tfinch2
I am 20 yrs old with 3 credit cards. I have a full-time job during the summer and 25 hr. work weeks during the school year. I goto school full-time (atleast 15 hrs a semester) and pay for all of school myself with grants/scholarships/minimal loans. I pay all my bills (car, insurance, cell phone, food, gas, books, entertainment, etc etc). I have $XXXX in my checking account and pay off all 3 cards at the end of the month (except for my 0% interest stuff )

It can be done easily, you are just a douche.

well aren't you fvcking special? you want a cookie?

Just out of curiousity, how much does rent amount to over there in texas? Have you tried paying the prices here in california? And how much do you make in your job?

I can't believe how many people here are so fvcking naive they think that it's so easy to pay off your credit cards every month, so they think people that can't are stupid.

Are you chained to a rock in California?

EXACTLY.

and stop buying all that crap listed in your heatware and maybe you wouldn't be in debt

The last thing I bought was over 8 months ago dumb@ss. My whole point here is to try and get people to stop being so d@mn naive and think they're all high and mighty. Fact is, they probably aren't in the same situation, and will never be, but it's still not right to look down on people or think they're morons when they do what they have to to make do.

So not being in debt makes me naive?

No...making rash generalizations about those who are and then looking down on them without realizing their circumstances would make you naive.

 

[Merlyn3D]

Originally posted by: Insomniak

Originally posted by: Merlyn3D

Originally posted by: Insomniak

Originally posted by: Nik

Originally posted by: icejunkie
You, sir, are an idiot. I'm sure you NEED to run your credit card sometimes.

Asshole.

I'd love to see you go to school full time, work full time, still pass all of your classes, and somehow pay for college and all of your bills all on your own without the use of a credit card or sucking off of rich parents or friends. Sometimes it's all you can do just to make the bills, let alone clothes on your back, a roof over your head, and food on the table.

Douche.

OP and this post are complete bullsh*t.


There is no need for credit card debt in schooling. Student loans and scholarships will pay for tuition (I don't see how you'd put that on a Visa anyway), and many times books as well. Get a part time job when not in class to cover bills, rent, groceries, etc.

For the past 3 years of my college career I've been working two jobs and still making a 3.3 cumulative GPA. It's fully possible to do. Bottom line: If you want to get through school without debt you will find a way. There are so many options out there, it's almost funny to see someone say you can't get a good education if you have a decent amount fo intelligence. It's WORK ETHIC, ORGANIZATION, and DEDICATION that most people are missing.

You're the moron here. Financial aid, esp with rising prices here in california, doesn't give enough sometimes. If you read the posts, you'd know that I do have a part time job, but sometimes it isn't enough to make ends meet. Forget the fact that depending on your major, you have to spend a lot more time doing school work with some than with others.

THEN GET THE HELL OUT OF CALIFORNIA.

God I can't stand people who would rather WHINE about their circumstances rather than DO something about it.

You don't want to have financial trouble? You say California is the cause? Then attend school somewhere else. Too much trouble? Well then I guess you just don't want that education that badly do you?

If you want it that badly, you will find a way - if you don't, then you simply don't care enough. Actions speak louder than words.

In-state tuition vs out of state tuiton.....nuff said.

 

[Insomniak]

Originally posted by: Merlyn3D

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: Hammer

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: tfinch2
I am 20 yrs old with 3 credit cards. I have a full-time job during the summer and 25 hr. work weeks during the school year. I goto school full-time (atleast 15 hrs a semester) and pay for all of school myself with grants/scholarships/minimal loans. I pay all my bills (car, insurance, cell phone, food, gas, books, entertainment, etc etc). I have $XXXX in my checking account and pay off all 3 cards at the end of the month (except for my 0% interest stuff )

It can be done easily, you are just a douche.

well aren't you fvcking special? you want a cookie?

Just out of curiousity, how much does rent amount to over there in texas? Have you tried paying the prices here in california? And how much do you make in your job?

I can't believe how many people here are so fvcking naive they think that it's so easy to pay off your credit cards every month, so they think people that can't are stupid.

Are you chained to a rock in California?

EXACTLY.

and stop buying all that crap listed in your heatware and maybe you wouldn't be in debt

The last thing I bought was over 8 months ago dumb@ss. My whole point here is to try and get people to stop being so d@mn naive and think they're all high and mighty. Fact is, they probably aren't in the same situation, and will never be, but it's still not right to look down on people or think they're morons when they do what they have to to make do.

So not being in debt makes me naive?

No...making rash generalizations about those who are and then looking down on them without realizing their circumstances would make you naive.

You know why people here are not in the same circumstances? Most of them were at jobs instead of posting on message boards during college.

 

[mercanucaribe]

Student Loans?

 

[xospec1alk]

Originally posted by: Merlyn3D

No...making rash generalizations about those who are and then looking down on them without realizing their circumstances would make you naive.

whatever circumstances you are in, you WILL be able to stay out of debt. got an apartment? find a roommate, cut the costs, don't eat out, dont buy frivolous things, be a hermit basically...

 

[fbrdphreak]

Originally posted by: Merlyn3D

Originally posted by: Nik

Originally posted by: icejunkie
You, sir, are an idiot. I'm sure you NEED to run your credit card sometimes.

Asshole.

I'd love to see you go to school full time, work full time, still pass all of your classes, and somehow pay for college and all of your bills all on your own without the use of a credit card or sucking off of rich parents or friends. Sometimes it's all you can do just to make the bills, let alone clothes on your back, a roof over your head, and food on the table.

Douche.

THANK YOU.....you just described my college experience....I work, go to school full time, and try to pass all my classes (electrical engineering major). I'm good with money....when I actually have it.

:thumbsup: to Nik & Merlyn. CPE & EE full-time, 20 hours/week job, needy gf, and Editor; CC's are there for a reason

 

[xospec1alk]

Originally posted by: Insomniak

You know why people here are not in the same circumstances? Most of them were at jobs instead of posting on message boards during college.

well, he could be at his job and neffing..

 

[tfinch2]

Originally posted by: Merlyn3D

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: Hammer

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: tfinch2
I am 20 yrs old with 3 credit cards. I have a full-time job during the summer and 25 hr. work weeks during the school year. I goto school full-time (atleast 15 hrs a semester) and pay for all of school myself with grants/scholarships/minimal loans. I pay all my bills (car, insurance, cell phone, food, gas, books, entertainment, etc etc). I have $XXXX in my checking account and pay off all 3 cards at the end of the month (except for my 0% interest stuff )

It can be done easily, you are just a douche.

well aren't you fvcking special? you want a cookie?

Just out of curiousity, how much does rent amount to over there in texas? Have you tried paying the prices here in california? And how much do you make in your job?

I can't believe how many people here are so fvcking naive they think that it's so easy to pay off your credit cards every month, so they think people that can't are stupid.

Are you chained to a rock in California?

EXACTLY.

and stop buying all that crap listed in your heatware and maybe you wouldn't be in debt

The last thing I bought was over 8 months ago dumb@ss. My whole point here is to try and get people to stop being so d@mn naive and think they're all high and mighty. Fact is, they probably aren't in the same situation, and will never be, but it's still not right to look down on people or think they're morons when they do what they have to to make do.

So not being in debt makes me naive?

No...making rash generalizations about those who are and then looking down on them without realizing their circumstances would make you naive.

Who's making generalizations here? I never said I have the mentality of being superior to people who are in debt. Like you said, and I respect the fact that, people "do what they do to make do", but don't come here whining and looking for sympathy. There are tons of people who do the same thing you do so what makes you so unique?

 

[akubi]

Originally posted by: Insomniak
You know why people here are not in the same circumstances? Most of them were at jobs instead of posting on message boards during college.

owned

 

[Insomniak]

Originally posted by: Merlyn3D

Originally posted by: Insomniak

Originally posted by: Merlyn3D

Originally posted by: Insomniak

Originally posted by: Nik

Originally posted by: icejunkie
You, sir, are an idiot. I'm sure you NEED to run your credit card sometimes.

Asshole.

I'd love to see you go to school full time, work full time, still pass all of your classes, and somehow pay for college and all of your bills all on your own without the use of a credit card or sucking off of rich parents or friends. Sometimes it's all you can do just to make the bills, let alone clothes on your back, a roof over your head, and food on the table.

Douche.

OP and this post are complete bullsh*t.


There is no need for credit card debt in schooling. Student loans and scholarships will pay for tuition (I don't see how you'd put that on a Visa anyway), and many times books as well. Get a part time job when not in class to cover bills, rent, groceries, etc.

For the past 3 years of my college career I've been working two jobs and still making a 3.3 cumulative GPA. It's fully possible to do. Bottom line: If you want to get through school without debt you will find a way. There are so many options out there, it's almost funny to see someone say you can't get a good education if you have a decent amount fo intelligence. It's WORK ETHIC, ORGANIZATION, and DEDICATION that most people are missing.

You're the moron here. Financial aid, esp with rising prices here in california, doesn't give enough sometimes. If you read the posts, you'd know that I do have a part time job, but sometimes it isn't enough to make ends meet. Forget the fact that depending on your major, you have to spend a lot more time doing school work with some than with others.

THEN GET THE HELL OUT OF CALIFORNIA.

God I can't stand people who would rather WHINE about their circumstances rather than DO something about it.

You don't want to have financial trouble? You say California is the cause? Then attend school somewhere else. Too much trouble? Well then I guess you just don't want that education that badly do you?

If you want it that badly, you will find a way - if you don't, then you simply don't care enough. Actions speak louder than words.

In-state tuition vs out of state tuiton.....nuff said.

1) Financial aid often takes this into account.
2) Academic loans can be gotten for X amounts, if you need more, borrow more - again, student loans are MUCH friendlier than credit card loans.
3) Again, scholarships. Yeah, I know, writing those essays is so herrrrrrrd!!!1

You're not listening neffy...*move* - I assume you are 18 or older and no longer a minor? Take a year off, shift your residence to some place less expensive, get an apartment and a job, then start looking at school.

 

[Insomniak]

Originally posted by: fbrdphreak

Originally posted by: Merlyn3D
needy gf

How is that a required expense?

 

[Insomniak]

Originally posted by: xospec1alk

Originally posted by: Insomniak

You know why people here are not in the same circumstances? Most of them were at jobs instead of posting on message boards during college.

well, he could be at his job and neffing..

Touche.

 

[BChico]

Obviously none of you, who act like maintaining a balance on your credit card is a crime, have ever experienced real financial hardship. If I?m wrong correct me. Credit cards are dangerous if you get in the habit of keeping balances, but sometimes you just don?t have the money. One suggestion I can make is that you always want to take the lowest interest rate you can get. So instead of keeping the balance on the credit card, get a student load and pay it off. I use SallieMae, you can get deferred payments till you graduate, and pretty reasonable interests rates. If you need some more info shoot me a PM, believe me, I?ve been where you are now.

 

[bernse]

Originally posted by: Nik

Originally posted by: icejunkie
You, sir, are an idiot. I'm sure you NEED to run your credit card sometimes.

Asshole.

I'd love to see you go to school full time, work full time, still pass all of your classes, and somehow pay for college and all of your bills all on your own without the use of a credit card or sucking off of rich parents or friends. Sometimes it's all you can do just to make the bills, let alone clothes on your back, a roof over your head, and food on the table.

Douche.

Why not? My wife did. 5 years of engineering at University. She had foresight and worked her ass off to get good marks so she could try for a scholarship and then while she was in school worked all her spare time. Didn't get a dime from her folks or anyone else and scrimped and saved everything she could. Paid for rent, watched her money on her food (smart shopper) and didn't go to the bar and piss her money away. Graduated debt free. Not *everyone* can do it, but more can than do. I have no sympathy for people that are in university/college, eat out or buy expensive food, go drink on the weekends and then complain about how the have no money. Boo fvcking hoo.

 

[Insomniak]

It's a rather simple equation really: Living within your means.

 

[xospec1alk]

Originally posted by: BChico
Obviously none of you, who act like maintaining a balance on your credit card is a crime, have ever experienced real financial hardship. If I?m wrong correct me. Credit cards are dangerous if you get in the habit of keeping balances, but sometimes you just don?t have the money. One suggestion I can make is that you always want to take the lowest interest rate you can get. So instead of keeping the balance on the credit card, get a student load and pay it off. I use SallieMae, you can get deferred payments till you graduate, and pretty reasonable interests rates. If you need some more info shoot me a PM, believe me, I?ve been where you are now.

the way i see it, if i absolutely need to carry over a balance, i will, but i will do everything in my power not to carry that balance over to another month. work more hours, get another job, stop spending, sell some of my junk, whatever i need to do so that 500 dollars one month doesn't grow to 5000 after 6 months

 

[Anubis]

Originally posted by: Insomniak

Originally posted by: Merlyn3D

Originally posted by: Insomniak

Originally posted by: Merlyn3D

Originally posted by: Insomniak

Originally posted by: Nik

Originally posted by: icejunkie
You, sir, are an idiot. I'm sure you NEED to run your credit card sometimes.

Asshole.

I'd love to see you go to school full time, work full time, still pass all of your classes, and somehow pay for college and all of your bills all on your own without the use of a credit card or sucking off of rich parents or friends. Sometimes it's all you can do just to make the bills, let alone clothes on your back, a roof over your head, and food on the table.

Douche.

OP and this post are complete bullsh*t.


There is no need for credit card debt in schooling. Student loans and scholarships will pay for tuition (I don't see how you'd put that on a Visa anyway), and many times books as well. Get a part time job when not in class to cover bills, rent, groceries, etc.

For the past 3 years of my college career I've been working two jobs and still making a 3.3 cumulative GPA. It's fully possible to do. Bottom line: If you want to get through school without debt you will find a way. There are so many options out there, it's almost funny to see someone say you can't get a good education if you have a decent amount fo intelligence. It's WORK ETHIC, ORGANIZATION, and DEDICATION that most people are missing.

You're the moron here. Financial aid, esp with rising prices here in california, doesn't give enough sometimes. If you read the posts, you'd know that I do have a part time job, but sometimes it isn't enough to make ends meet. Forget the fact that depending on your major, you have to spend a lot more time doing school work with some than with others.

THEN GET THE HELL OUT OF CALIFORNIA.

God I can't stand people who would rather WHINE about their circumstances rather than DO something about it.

You don't want to have financial trouble? You say California is the cause? Then attend school somewhere else. Too much trouble? Well then I guess you just don't want that education that badly do you?

If you want it that badly, you will find a way - if you don't, then you simply don't care enough. Actions speak louder than words.

In-state tuition vs out of state tuiton.....nuff said.

1) Financial aid often takes this into account.
2) Academic loans can be gotten for X amounts, if you need more, borrow more - again, student loans are MUCH friendlier than credit card loans.
3) Again, scholarships. Yeah, I know, writing those essays is so herrrrrrrd!!!1

You're not listening neffy...*move* - I assume you are 18 or older and no longer a minor? Take a year off, shift your residence to some place less expensive, get an apartment and a job, then start looking at school.

1) fin aid doesnt always giove you what you need, im fact it game me absoutly nothing for 4 yeras of college, my tuition was 34K my freshmen year and 38K my senior year, all i got was the damn stafford loan BS that everyone gets
2) true
3) is you are a white american you are pretty much fvcked here also unless you have steller grades comming out of HS or do an assload of community service, but if that was the case he wouldent have posted this

working during school sucks, especially if you major in a science, you literiually dont even have time to eat, because you are always running from class to work and from work to lab and ......

i really dont know why most of ATOT is so assanine about things like this, apperently most of you have never not had money, and thats cool and all but you really shouldent be an ass twards those that dont

 

[ISAslot]

Originally posted by: Merlyn3D

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: Hammer

Originally posted by: tfinch2

Originally posted by: Merlyn3D

Originally posted by: tfinch2
I am 20 yrs old with 3 credit cards. I have a full-time job during the summer and 25 hr. work weeks during the school year. I goto school full-time (atleast 15 hrs a semester) and pay for all of school myself with grants/scholarships/minimal loans. I pay all my bills (car, insurance, cell phone, food, gas, books, entertainment, etc etc). I have $XXXX in my checking account and pay off all 3 cards at the end of the month (except for my 0% interest stuff )

It can be done easily, you are just a douche.

well aren't you fvcking special? you want a cookie?

Just out of curiousity, how much does rent amount to over there in texas? Have you tried paying the prices here in california? And how much do you make in your job?

I can't believe how many people here are so fvcking naive they think that it's so easy to pay off your credit cards every month, so they think people that can't are stupid.

Are you chained to a rock in California?

EXACTLY.

and stop buying all that crap listed in your heatware and maybe you wouldn't be in debt

The last thing I bought was over 8 months ago dumb@ss. My whole point here is to try and get people to stop being so d@mn naive and think they're all high and mighty. Fact is, they probably aren't in the same situation, and will never be, but it's still not right to look down on people or think they're morons when they do what they have to to make do.

So not being in debt makes me naive?

No...making rash generalizations about those who are and then looking down on them without realizing their circumstances would make you naive.

Naive? Maybe they just prefer to look down on others with credit card debt. I know I do.

 

[HardcoreRobot]

MORON

have fun with your exponentially increasing debt. im sure in 5 years you will fondly remember those nights of going out as you try to figure out how to make your payments

 

[Insomniak]

Originally posted by: Anubis

1) fin aid doesnt always giove you what you need, im fact it game me absoutly nothing for 4 yeras of college, my tuition was 34K my freshmen year and 38K my senior year, all i got was the damn stafford loan BS that everyone gets
2) true
3) is you are a white american you are pretty much fvcked here also unless you have steller grades comming out of HS or do an assload of community service, but if that was the case he wouldent have posted this

working during school sucks, especially if you major in a science, you literiually dont even have time to eat, because you are always running from class to work and from work to lab and ......

i really dont know why most of ATOT is so assanine about things like this, apperently most of you have never not had money, and thats cool and all but you really shouldent be an ass twards those that dont

Originally posted by: Insomniak
If you want it that badly, you will find a way - if you don't, then you simply don't care enough. Actions speak louder than words.

 

[91TTZ]

Originally posted by: Merlyn3D
F U!!!!!!!!

I'm in college, a fun and financially unstable environment, and I can't help that sometimes I need to run my d@mn credit card up to survive. I don't have trust funds to mooch off of, nor did I have a big savings going into college.

You suck at money management. If you don't have the money to spend, don't spend it.

 

[91TTZ]

Originally posted by: Merlyn3D

EDIT: supposed you couldn't work for a week, so you had no money for that week, you still need to eat, don't you? You still need to put gas in the car to drive to school don't you? How the heck do you supposed someone can do that if they have NO CASH?

More realistically, it goes like this:

"Suppose you couldn't work for a week, so you had no money for that week, you still need to eat at nice restaurants, don't you? You still need to put gas in the car you just bought to drive to school don't you? You have to treat yourself to nice clothes, don't you? I need to keep up with the Joneses like everyone else, and just because I don't have money doesn't mean I should stop spending it"

 

[Insomniak]

I'd love to keep neffing with all my nijjas here in ATOT, but I have to go to work.


Y'know....credit cards to pay off and whatnot.


See you round 10PM EST ATOT. <3

 

[NickelTitanium]

Credit cards are made by the DEVIL.

 

[2cpuminimum]

Originally posted by: Insomniak

Originally posted by: Nik

Originally posted by: icejunkie
You, sir, are an idiot. I'm sure you NEED to run your credit card sometimes.

Asshole.

I'd love to see you go to school full time, work full time, still pass all of your classes, and somehow pay for college and all of your bills all on your own without the use of a credit card or sucking off of rich parents or friends. Sometimes it's all you can do just to make the bills, let alone clothes on your back, a roof over your head, and food on the table.

Douche.

There is no need for credit card debt in schooling. Student loans and scholarships will pay for tuition (I don't see how you'd put that on a Visa anyway), and many times books as well. Get a part time job when not in class to cover bills, rent, groceries, etc.

My wife's father wouldn't cosign her loans, because he's an abusive, child molesting a$$ho. Furthermore, her rich father claimed her on her taxes but didn't giver her any financial assistance, effectively stealing a few thousand dollars a year from her in tax refunds since it meant she couldn't claim herself. We were therefore left with no choice but to put her tuition on my credit cards.

Because her father has so much money (which he kept to himself and didn't share at all with his wife or kids) she was ineligible for any of the work study jobs that students normally get to help pay for things, and to get experience in their field. If she had been able to take a work study job in a lab for her five years of college, it would have been much easier to get a job in her field after graduating. Instead she had to work elsewhere, at jobs that didn't add as much to her resume.

Now if you figure rent=$215+$100 utilities, if you ate nothing at all and used no gas you would accumulate $315 in debt every month after graduation until you get a job. But suppose you drive to job interviews (car insurance and gas), have a phone, have internet access, and buy groceries, that would cost another $400/month for two people, bringing us to $715/month in new debt. Then suppose you get an infection and have to go to the doctor, and your pipes freeze and you have to call a plumber. Your brake calipers start leaking and you need to get them fixed. You have to buy new shoes. It adds up quickly, and there really isn't any way to avoid it unless you're lucky enough to have parents that either cosign your loans, or are poor enough that you qualify for workstudy, or lucky enough to land a job right away. And don't say internet access is a luxury when most job applications are online now. So for an average period of six months before finding a job after graduation, that brings us to a minimum of $4,290 in credit card debt plus incidental expenses. In this region at least, there is an excess of highly educated people looking for jobs, and a limited number of available jobs. You would be very lucky indeed to find a job in a mere six months. As far as moving elsewhere to find a job, moving is expensive and would provide no guarantee of employment.

Of course once you get lucky and land a full time job, it will only take as long to pay off these debts as it took to accrue them. After that you get introduced to the wonderful world of disposable income, where you can finally replace the broken floorboards in your trailer and buy roach poison. The only way anyone manages to get by without credit cards is through outside help, or extreme luck in finding jobs.