Woohoo. That's half my balance, so I feel good about it. But I'm also uneasy - I just spent $3500. Yet, I have to look at it as if I already spent it . . . because I did. Hate paying interest.

How much credit card debt are you in?

not as much as you...

thats pretty good - i wouldn't mind paying off $3500. because i'm in school, currently on an unpaid co op, my balance is around 6 grand - it used to be around $7200. I used to have a gold card but the interest was higher.

pretty close to where you were at before paying this. but it's not a credit card, it's a credit margin.

i have never had a credit card because i don't trust myself to be responsible with it.

my only debt is my student loan and that's really low interest [just the rate of inflation i think]

i have never had a credit card because i don't trust myself to be responsible with it.

my only debt is my student loan and that's really low interest [just the rate of inflation i think]

i was the same for a long time, but i knew i was close to buying a condo and i had to build up my credit and my credit history. of course, i ended up moving to LA instead of buying. Argh. Plus, as a freelancer, I put everything on my AMEX because it itemises everything at the end of the year, and that really helps out in taxes.

about $1500

you guys are insane, mine is equivalent to probably $400 US, pay yr bills!

you guys are insane, mine is equivalent to probably $400 US, pay yr bills!

not so hardcore, youngin'. ;)

you've changed aeroplane. you used to be different, shy, at the back of the class. an individual. now you're a big spender with your credit cards and all your boyfriends and your Los Angeles. i dont even know you anymore.

you've changed aeroplane. you used to be different, shy, at the back of the class. an individual. now you're a big spender with your credit cards and all your boyfriends and your Los Angeles. i dont even know you anymore.

:( i just have a dark side, that's all. Los Angeles always brings the dark side out of anyone.

this thread made me feel guilty so I paid $200 on my card just now

:rofl:

i paid of my sprint bill and cancelled my contract yesterday! FREEDOM AT LAST!!

no ... the dark is there, like an item on the shelf. people want it. they need it as a fix in their veins - and then, they are back on their way to wherever. no slowing down, and no stopping.

the biggest city couldnt hold all the ugliness in the world.

http://ccat.sas.upenn.edu/~haroldfs/popcult/handouts/metaphor/godzilla/godzilla.jpg

no ... the dark is there, like an item on the shelf. people want it. they need it as a fix in their veins - and then, they are back on their way to wherever. no slowing down, and no stopping.

the biggest city couldnt hold all the ugliness in the world.

http://ccat.sas.upenn.edu/~haroldfs/popcult/handouts/metaphor/godzilla/godzilla.jpg

uh, so what're you saying? :confused:

im just screwing around.

I binned my credit card because I never used it. It's all about debit cards :)

Can't spend what you haven't got (and all that..)

not so hardcore, youngin'. ;)

srsly.

i hate debt, when it stares me in the face, it feels like failure. Whenever i buy records etc, im quick to pay it off.

srsly.

i hate debt, when it stares me in the face, it feels like failure. Whenever i buy records etc, im quick to pay it off.

that's a good practice to have. hopefully you can keep that up when life hands more and more expenses to you. but if you can keep in the habit, you'll have a great credit score. i have a pretty high one myself, but if you make good payments, it makes no difference. plus, it helps to have some balance on your cards because when if you have a zero balance, some creditors and loan officers see your credit limit as potential debt which could hurt them. so it's kind of a catch-22.

you seem like an experienced debt fiend, Aeroplane

im just screwing around.

wait, your avatar, IT FLIPPED!!

you seem like an experienced debt fiend, Aeroplane

i actually don't have a lot at all and manage pretty well. i use to be a title examiner for real estate and had to deal with escrow a lot, so yeah, had to learn all this stuff.

what is it to examine titles?

what is it to examine titles?
i do it all the time on this very board

you are the most hardcore person i know, and two nights ago i got punched by a 35 year punk called "salty" - so i know. forget titles.

it flipped, rotated, turned upside down. its like flying the American flag at night.

what is it to examine titles?

when someone is interested in buying a property, they need someone to search its history, its title meaning who has owned it in the past (deeds), what mortgages are on it, etc etc. you'd be surprised how many mortgages may stay on a property and its release (meaning it's been paid off) not having been recorded. so as a title examiner, i would examine the history after the searchers have finished, and make sure all outstanding debts against the property are taken care of at the closing table for the new owner. ie. all property taxes paid, no outstanding mortgages, the chain of title (deed past on to deed - making sure all past owners relinquished their rights to property) is secure, all that grand stuff. then we would insure it, so if something comes up later (like someone claiming that in the past, they had inherited and didn't sign off on a deed), we would pay any possible incurrences.

i do it all the time on this very board

titles or titties?

when someone is interested in buying a property, they need someone to search its history, its title meaning who has owned it in the past (deeds), what mortgages are on it, etc etc. you'd be surprised how many mortgages may stay on a property and its release (meaning it's been paid off) not having been recorded. so as a title examiner, i would examine the history after the searchers have finished, and make sure all outstanding debts against the property are taken care of at the closing table for the new owner. ie. all property taxes paid, no outstanding mortgages, the chain of title (deed past on to deed - making sure all past owners relinquished their rights to property) is secure, all that grand stuff. then we would insure it, so if something comes up later (like someone claiming that in the past, they had inherited and didn't sign off on a deed), we would pay any possible incurrences.

thats very comprehensive, thanks

you're welcome

a lot.

i loaned someone i thought i knew money off my credit card and i got fucked. so not only do i have the bills from another, but $35oo on the other one.

i'm hoping my student loans are much more than what i need so i can take the extra and pay some of my bills off.

oh, that sucks. have you thought of taking them to small claims?

Zero.

Wait, we technically have $2,600 on it from when we bought our new TV a few weeks back - but the bill won't be here until next week sometime.

it's more than small claims. $5ooo is the court above smalls claims.

that doubly sucks. what recourse do you have?

Aeroplane, do you like my avatar?

:erm:

dont lie

believe me, i'm not.

can you delete this thread so I stop worrying about my credit card balance

Brady, $1500 (well, now $1300) is nothing to worry about. Believe me.

About $250 on my credit card which I'll pay off next week. Other then that, no debt.

i jsut paid $234 on my visa bill.

that sucks when you make $200-300/week.

oh well.

none pretty much.

i guess i have to get ahold of this cop who's trying to put a case together about him.

hold on, one of the local papers did an article about him. when you read this though, keep in mind that i knew nothing about him when this happened.

this is the article about him:

http://www.clevescene.com/Issues/2006-05-31/news/feature.html

these are additional letters sent in about the article. this article's name was 'stripped off' so look for anything referring to that.

http://www.clevescene.com/search/results.php?eventSearch=1&locationSearch=1&searchType=archives&keywords=stripped+off&x=0&y=0

Woohoo. That's half my balance, so I feel good about it. But I'm also uneasy - I just spent $3500. Yet, I have to look at it as if I already spent it . . . because I did. Hate paying interest.

How much credit card debt are you in?

FUCK YOU I'M DRUNK.

<font color=33FFFF> one of my mates has 5 different cards and has pretty much maxed all of them out, yet still gets mail offers to get other ones. there should really be a limit for some people

I've got 2, each are about halfway point with the balance. I don't use them anymore, would rather just pay them off and forget about them. One of them, a Virgin card, expired and they sent me a new one but I sent it back and said don't give it to me because I'll just end up using it when I shouldn't. plus they constantly send me letters asking if I want a balance increase, I just read the first line and throw them out before I'm tempted</font>

since no one has come close to naming a balance in my range, i'm going to plead the :erm:

probably around 1000

none pretty much.

i guess i have to get ahold of this cop who's trying to put a case together about him.

hold on, one of the local papers did an article about him. when you read this though, keep in mind that i knew nothing about him when this happened.

this is the article about him:

http://www.clevescene.com/Issues/2006-05-31/news/feature.html

these are additional letters sent in about the article. this article's name was 'stripped off' so look for anything referring to that.

http://www.clevescene.com/search/results.php?eventSearch=1&locationSearch=1&searchType=archives&keywords=stripped+off&x=0&y=0


so did you meet him off myspace or in a stripclub?

<font color=33FFFF> one of my mates has 5 different cards and has pretty much maxed all of them out, yet still gets mail offers to get other ones. there should really be a limit for some people

I've got 2, each are about halfway point with the balance. I don't use them anymore, would rather just pay them off and forget about them. One of them, a Virgin card, expired and they sent me a new one but I sent it back and said don't give it to me because I'll just end up using it when I shouldn't. plus they constantly send me letters asking if I want a balance increase, I just read the first line and throw them out before I'm tempted</font>
i think that the more balance you hold, the more credit card offers you get...

they just want to make more money off the people who are scrambling.... they make no money off people like splooge.

Hey speaking of which, Sppunk, how many (on average) credit card applications do you get sent in the mail per month?

playing off bills always makes me feel good.
we have >1k in credit card debt, and it's fairly recent, i'llhave that paid off next month i think. we try to keep the credit cards at 0.

it's student loans and car payments that hurt.

what are your student loan payments, ammy?

dan's and mine total of about 200/mo FOR THE REST OF OUR LIVES


(minejust went into repayment so i'm still bitter)

yeah, mine are about $200 as well... i owe about $18,000... but it could be a lot worse seeing as they wouldn't even give me a student loan for the first 2 years...

yeah, i know it oculd be worse, i know people who have more than 50k out, so i shouldn't complain, but ARRG!!!! 15 years of payment!!!!
although i plan on paying as much over the min payments as i can each time, so that'll help.. :(

dan's and mine total of about 200/mo FOR THE REST OF OUR LIVES


(minejust went into repayment so i'm still bitter)

is this from student loans or something?

read the conversation i was having with kim.. ;)

yes.

yeah dude, that will for sure help. I wish i had some extra bucks to do that though. Or a combine income so that i could do that... but oh well. Maybe at the end of the year i will pull my savings bonds or something and throw them on.

200 a month lol!!! are yall poor on this board or something?

whenever you can just pay an extra 10 or 20 bucks over the min. not much, but hey.. over time..

200 a month lol!!! are yall poor on this board or something?


generally the answer to this question is yes.
in my case it's more that i'm bitter.
not that i'm rich.. that would be sppunk ;)

whenever you can just pay an extra 10 or 20 bucks over the min. not much, but hey.. over time..
yeah, you are totally right. I should figure out how to add the loans to my online banking billers and do that.

the canadian government is stupid though... they issue 2 loans - one from the province and one from the federal government. it sure gets confusing

im not poot but I'm stingy

$200 can translate into a lot of money when you are single, living alone, and have other bills.

if i was living with my parents, i would be putting a lot more money into student loans

speaking of student loans, i know there are a few U.S. folks that work or have worked for the fed. govt. have you heard about the student loan repayment plan thing? know any details? i have a meeting about it soon and i can't find real specifics online.

i think the government should forgive a portion of the loan.

im not poot but I'm stingy
hey now, no one was calling you poot!

wait i think you would have more money living alone then with a gf/bf wife husband and or with kids. Now 200 a month is pretty low even with say an 8 dollar an hour job!

poot!


:rofl:

poot poot

wait i think you would have more money living alone then with a gf/bf wife husband and or with kids. Now 200 a month is pretty low even with say an 8 dollar an hour job!

let's think about that.
have you worked at $8/hour? 8x40=320, after taxes that's about $270ish. 4x270=1080. pay $200 in student loans, you have $880. imagine you pay $100 on credit cards, you have $780. imagine you pay $500 in rent, you have $280. electricity and phone, maybe ~$80, you have $200. for transportation, $100 for the month is not a high estimate, right? then you have $100 for groceries and other expenses. I don't know about you, but i think working at $8 is almost unlivable, and definitely makes a $200 student loan payment suck.

http://www.interpcan.ca/bc-section/provocation/images/0505-Pooter-Pooter.jpg

this thing's called a pooter, you use it to pick up insects :)

not to mention, if i had a bf or a roommate paying half the rent and bills, i think it would be less.

http://www.interpcan.ca/bc-section/provocation/images/0505-Pooter_pooter.jpg

this thing's called a pooter, you use it to pick up insects :)
are you talking about your avatar?

wait i think you would have more money living alone then with a gf/bf wife husband and or with kids. Now 200 a month is pretty low even with say an 8 dollar an hour job!
You are an absolute idiot if you believe this.

Edit: Liz beat me to the punch.

sppunk pls answer my question

i just got a raise to $8.12/hour

wooo.

it is almost impossible to work a 40 hour week at starbucks. maximum i can get at my own store is 29-34.

i work at 4 different stores as a result to get 40.

Sorry i was thinking you all live with your mom!! then it would be easy, but i guess your out on your own with your crappy jobs ehh?? I guess 200 is nothing since i make 6 figs a year!
yes 6 figs!!!!!!!!!!

6 figs??!!!

http://img288.imageshack.us/img288/5389/strang17ef.jpg
http://img319.imageshack.us/img319/8569/fruitdriedfigswhitecalimyrna6o.jpg
http://www.cdc.gov/nccdphp/dnpa/5aday/images/fig_mission.jpg

woah.

dam thats 7!! but im not up to that yet!! you make 7 figs christ!

look closer, and you will see that it is only 6 figs trying to disguise itself to look like 7 figs.

but yeah, i'll admit it. i make 7 figs.

look closer, and you will see that it is only 6 figs trying to disguise itself to look like 7 figs.

but yeah, i'll admit it. i make 7 figs.
how can someone who makes 6 figs not see that?

i just got a raise to $8.12/hour

wooo.

it is almost impossible to work a 40 hour week at starbucks. maximum i can get at my own store is 29-34.

i work at 4 different stores as a result to get 40.


I'll be getting another raise in a couple months, but i won't be up as high as you. Are you a shift supervisor or just a barista? I'm getting promoted to shift supervisor really soon (I start the first workshop/training class on Saturday and we go from there)... Hopefully, I can get more hours once more people start leaving (so far 2 are leaving by August and 2 more are leaving within 6 months).

ugh. i want more hours! and none of this 4-hour shift bullshit.

i owe $900

I'll be getting another raise in a couple months, but i won't be up as high as you. Are you a shift supervisor or just a barista? I'm getting promoted to shift supervisor really soon (I start the first workshop/training class on Saturday and we go from there)... Hopefully, I can get more hours once more people start leaving (so far 2 are leaving by August and 2 more are leaving within 6 months).

ugh. i want more hours! and none of this 4-hour shift bullshit.

i am just barista. for 2.4 years. i cannot committ 25 hours of my life there to be a shift...it'd be like admitting that's what i do.

anyways. i love my job. all my of my best friends are my co-workers. going to work is like the highlight of my day, hanging out and getting paid to see my friends.

the customers are kinda secondary. mmm. we have the highest snapshots in the district. and the best sales. and everything else. know why? because we don't care about the bottom line and love hanging out with our friends and customer-friends.

sigh.

I paid $2000 on my VISA a week or so ago, bringing my balance down to $1000.

congrats!

i am just barista. for 2.4 years. i cannot committ 25 hours of my life there to be a shift...it'd be like admitting that's what i do.

anyways. i love my job. all my of my best friends are my co-workers. going to work is like the highlight of my day, hanging out and getting paid to see my friends.

the customers are kinda secondary. mmm. we have the highest snapshots in the district. and the best sales. and everything else. know why? because we don't care about the bottom line and love hanging out with our friends and customer-friends.

sigh.


Yeah. We're not a super-high volume store. Our DM (who was brought in from OUTSIDE the company to be a DM, so she doesn't get a LOT of stuff that an internally-promoted DM would) doesn't seem to understand that and gives us retardedly high goals for the banana beverages and shit. but we do really well on stuff like that, UPH wise and percentages and crap.

We get great snapshots. I was there twice when we got a 5 star, 100%. Woohoo. then this lady came in and broke my fucking streak and gave us a 4 star, some bullshit 80% because she LOOKED for shit to report. every store in the district that she went to did crappy- none of them got higher than about an 80%.

I love working there. great benefits, decent pay, decent work, but I love all my coworkers.

I've been there for almost a year and the biggest reason I'm pushing for the shift supervisor position is more money and more hours. I still go to school, so it's not like sbux is 'What I do.'

oh, and in response to the original post, i don't have any credit card debt. i don't have any credit cards, actually. i have student loans, and that's it.

but in student loans, i'll owe around.... *thinks* $6000 or so when I get out. which is quite reasonable, actually.

College= Waste of time and money! no college=6 figs!

oh, and in response to the original post, i don't have any credit card debt. i don't have any credit cards, actually. i have student loans, and that's it.

but in student loans, i'll owe around.... *thinks* $6000 or so when I get out. which is quite reasonable, actually.
dude, that's nothing! wtg

Actually my couch was bought on monthly installments of $56. Since there's no interest on the amount, it's nothing big - I could pay it off next paycheck if I wanted, but I'm saving for big vacations this year, so I won't.