How life works

Ok,


These are two really quick posts

The reality is you don't need credit cards to live......Don't post comments saying you can't because you can....or you can't afford life without credit cards...Because the reason you can't afford anything is the credit cards....and if you even post that you don't make enough so you can't buy anything cool, that’s why you have a credit card...I will slap you.........If you can't afford it don't buy it....GEESH!! is that a hard concept to figure out????? man on man!!

did you know if you save 1000 a month for ten years you'll have $100,000 in savings? that would be nice on a house huh? oh but you want it now. So lets go out and get a 30 year mortgage for 600 bucks a month.....Did you know if you replace that mortgage and put that amount into a mutual fund you'll have more then a million in 30 years? So what sounds better? a paid off house or a million dollars?

The basic fact is if your living expense are no more then 40& of your income you will have money to save and spend...and its a lot cheaper to use cash then credit..

-S