JFL finally paid off my gym membership

[junebug]

my old credit card got canceled due to some fraud stuff a while ago, I let the fee stagnate for like a month before adding my new card jjfffll

junebug sucks ass at managing money

 

[Starlet]

why would you put a gym membership on a credit card in the first place holy

 

[submissivechud]

why would you put a gym membership on a credit card in the first place holy

why would you use a credit card in the first place

pathetic

 

[Starlet]

why would you use a credit card in the first place

pathetic

yes most people are not credit card people

 

[submissivechud]

yes most people are not credit card people

too much brainpower
either way you lose the same amount of money,
one of them just takes more work

 

[Starlet]

too much brainpower
either way you lose the same amount of money,
one of them just takes more work

requires a lot of discipline yeah, you have to be smart with it, people treat it like free money when it’s not. Credit cards you lose more cause of interest. The only smart way is to use it a little with a low max and don’t get too high to the cap and pay it off every month before the interest hits and that way you build good credit too and can get points

 

[junebug]

why would you put a gym membership on a credit card in the first place holy

idk because it was the first option and I'm a lazy chud who doesn't do anything

yes most people are not credit card people

I only use it for gas, online orders, and gym, anything else I just make sure I have enough cash or don't buy it

requires a lot of discipline yeah, you have to be smart with it, people treat it like free money when it’s not. Credit cards you lose more cause of interest. The only smart way is to use it a little with a low max and don’t get too high to the cap and pay it off every month before the interest hits and that way you build good credit too and can get points

yeah I try to stay well below my bank balance, when I first got it at like 15 I overdrafted maybe once and then realized I wasn't built for ts

always try to keep credit card bill 200 dollars less than checking account balance or more

but I put a bunch of stuff in savings anyway

 

[Tear]

Dude it’s literally free right now. Youre wasting money like $20 but still

 

[rand anon]

why would you put a gym membership on a credit card in the first place holy

Y not?

 

[rand anon]

why would you use a credit card in the first place

pathetic

Dave Ramsay maxxing

 

[Starlet]

Y not?

it’s the kind of thing that you should budget into your monthly expenses and pay with money you already have, not put on credit

 

[Tear]

it’s the kind of thing that you should budget into your monthly expenses and pay with money you already have, not put on credit

A good rule of thumb is never spend money you don’t have. Credit cards just require a little more brainpower but they also can have some perks like 2% back.

 

[Tear]

it’s the kind of thing that you should budget into your monthly expenses and pay with money you already have, not put on credit

Then again I don’t even use a credit card. I use a debit card

 

[rand anon]

it’s the kind of thing that you should budget into your monthly expenses and pay with money you already have, not put on credit

Idk, as long as ur responsible with it and all, I don’t see why u shouldn’t literally charge everything on it

For the people who don’t hve the discipline, yeah sure. But I still think the debit card solution is temporary for them

 

[Starlet]

Idk, as long as ur responsible with it and all, I don’t see why u shouldn’t literally charge everything on it

For the people who don’t hve the discipline, yeah sure. But I still think the debit card solution is temporary for them

charging everything on it is literally crazy

 

[rand anon]

charging everything on it is literally crazy

Y? If u hve the money to fully pay it off, y not? As long as something doesn’t hve credit card processing fees, I use it

 

[Tear]

Y? If u hve the money to fully pay it off, y not? As long as something doesn’t hve credit card processing fees, I use it

also your money cant be stolen as easily. Debit card you can get drained

 

[rand anon]

also your money cant be stolen as easily. Debit card you can get drained

Yeah exactly

Tryna fight fraud charges on a debit card is nightmare fuel jfl