I give up, I will no longer try to ERASE DEBT only MANAGE DEBT

Discussion in 'General Discussion' started by fbj, May 27, 2019.

  1. fbj
    Offline

    fbj Gold Member

    Joined:
    Jul 10, 2014
    Messages:
    11,703
    Thanks Received:
    373
    Trophy Points:
    165
    Ratings:
    +3,210
    Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

    So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.
     
  2. S.J.
    Offline

    S.J. Platinum Member

    Joined:
    Nov 28, 2012
    Messages:
    36,201
    Thanks Received:
    7,208
    Trophy Points:
    1,140
    Location:
    So. Cal.
    Ratings:
    +34,041
    Is there a point to all of this?
     
    • Funny and Agree!! Funny and Agree!! x 1
  3. fbj
    Offline

    fbj Gold Member

    Joined:
    Jul 10, 2014
    Messages:
    11,703
    Thanks Received:
    373
    Trophy Points:
    165
    Ratings:
    +3,210
    Yes Mongo. I will no longer stress myself out thinking of the number 0 when it comes to credit card balance or 100% available credit. For now on I will focus on managing 30 to 35% credit card use and maintaining 70 to 75 % available credit
     
  4. BULLDOG
    Offline

    BULLDOG Diamond Member

    Joined:
    Jun 3, 2014
    Messages:
    54,348
    Thanks Received:
    6,322
    Trophy Points:
    1,830
    Ratings:
    +36,131
    Great. Now I can rest easy. You have no idea how many nights I stayed up worrying about your debt.
     
    • Funny and Agree!! Funny and Agree!! x 3
    • Funny Funny x 1
  5. Silver Blooded
    Offline

    Silver Blooded Senior Member

    Joined:
    May 19, 2019
    Messages:
    335
    Thanks Received:
    55
    Trophy Points:
    45
    Location:
    Nevada
    Ratings:
    +342
    Nice job setting the bar low for yourself, OP. :clap:
     
    • Agree Agree x 1
    • Funny and Agree!! Funny and Agree!! x 1
  6. fbj
    Offline

    fbj Gold Member

    Joined:
    Jul 10, 2014
    Messages:
    11,703
    Thanks Received:
    373
    Trophy Points:
    165
    Ratings:
    +3,210
    You also stay up late thinking about DICK
     
    • Funny Funny x 1
  7. fbj
    Offline

    fbj Gold Member

    Joined:
    Jul 10, 2014
    Messages:
    11,703
    Thanks Received:
    373
    Trophy Points:
    165
    Ratings:
    +3,210
    The small accomplishments count too
     
  8. Silver Blooded
    Offline

    Silver Blooded Senior Member

    Joined:
    May 19, 2019
    Messages:
    335
    Thanks Received:
    55
    Trophy Points:
    45
    Location:
    Nevada
    Ratings:
    +342
    Yea, man. But it's the big ones that matter. Don't cut yourself short. Overcome the hardships in your life; don't succumb to them.
     
  9. fncceo
    Offline

    fncceo Gold Member

    Joined:
    Nov 29, 2016
    Messages:
    16,605
    Thanks Received:
    2,425
    Trophy Points:
    290
    Ratings:
    +22,563
    Good plan!

    [​IMG]
     
    • Funny and Agree!! Funny and Agree!! x 2
    • Funny Funny x 1
  10. BULLDOG
    Offline

    BULLDOG Diamond Member

    Joined:
    Jun 3, 2014
    Messages:
    54,348
    Thanks Received:
    6,322
    Trophy Points:
    1,830
    Ratings:
    +36,131
    No, not really, but If that;s what you want to think about, it doesn't bother me.
     

Share This Page