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Forum » So any of you guys into debt? If so, what is it and how much?
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Thread: So any of you guys into debt? If so, what is it and how much?

post 1479546421 01-18-2017, 03:30 AM
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I owe 18k total everything with student loans.... it sucks but could be worse.
post 1479547231 01-18-2017, 03:51 AM
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Have a chitload of debt.

About $2m in investment property mortgages (5 properties)
$1m in personal home mortgage
I run a Tesla limo business, so about 300k in business loans.
And about $250k in margin loan.

Loving life though 😀 srs
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post 1479547881 01-18-2017, 04:05 AM
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Mortgage.

Rennovating my house so a lot of stuff will go on the credit card but I usually pay off 1-1.5k a month so it doesn't hang around for long.

I know those debt feels though, I had 6.5k of credit card debt when I was earning 18k a year. Took me a long time to pay that chit off. Luckily my business venture has now come to fruition and I was able to expedite the process while also saving for a mortgage.
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post 1479548741 01-18-2017, 04:23 AM
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600k of housing debt and about 30k in student debt.

housing debt is for appreciating assets and student debt was an investment in education - which didn't work out.

Reasons for debt are:
- lowest interest rates for 5000 years; money is incredibly cheap
- leveraging and taking controlled risk to invest in assets is the only way for your average punter to get out of the rat race. Any average Joe could do better overall than Warren Buffett investment if they leverage into the right asset.

I am a firm believer in going into debt to get ahead

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post 1479550311 01-18-2017, 04:57 AM
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Shocking amounts of bad choices ITT. Pretty typical though I guess.

I have zero debt and haven't had any for quite some time. Looking for investment properties currently
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post 1479551601 01-18-2017, 05:19 AM
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Originally Posted By Mike1991⏩
Have about $5 mill in mortgages.. building dat real estate empire tho

0 personal debt
By empire you mean 1 nice house in cuckada?

Hope the bubble pops on you *******. I own in Canada too but fuk it, it would be funny to see how badly overleveraged *******s get screwed.
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post 1479551861 01-18-2017, 05:23 AM
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Had a 460 euro college loan because i needed a laptop payed it off with 35 euro a month because i can.
No debt besides that because my dad hates banks and loans, so he was always first come to me before you ever talk to a bank.


Oh **** i have a mortgage ok i still owe 133.000 to the bank
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post 1479609291 01-18-2017, 02:02 PM
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Originally Posted By WhAtNoWbChSs⏩
By empire you mean 1 nice house in cuckada?

Hope the bubble pops on you *******. I own in Canada too but fuk it, it would be funny to see how badly overleveraged *******s get screwed.
5 houses in Canada, several condos in Florida. You mad I can easily support all of my debt servicing and still bring in a few thousand a month in profit?
RON PAUL 2012
post 1479609801 01-18-2017, 02:05 PM
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Originally Posted By wave_length⏩
Is it really necessary to build credit?
Not but you have to borrow somehow to build a credit history and cards are by far the easiest way to do so.. They're also the safest way to buy things. Home/Car/Personal/Student loans etc all build credit history.
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post 1479610111 01-18-2017, 02:07 PM
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Credit Card is 600 in right now

Not horrible, but not good either. I'll have it cleared quick
post 1479610291 01-18-2017, 02:08 PM
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260k left on house
I think like 18k left on wife's car
7k CC (all no interest) will be paid off before interest accrued

Neither of us have student loans
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post 1479610341 01-18-2017, 02:08 PM
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140k on house

$1200 on CC

das it mane
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post 1479610391 01-18-2017, 02:09 PM
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About 26kish. Only bring home 28ish a year. Not gonna make it anytime soon.
post 1479610641 01-18-2017, 02:10 PM
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$3k Left on Student Loans
Nothing long term on Credit Cards
Just use them now for monthly bills and pay off before the end of the cycle

Feels good mang

Im hovering near an 800 credit score.
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post 1479611341 01-18-2017, 02:14 PM
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Yeah i'd just rather not think of this..just staying afloat until I can finance my second degree and hopefully get better compensation and not be so much in debt. The majority is student loans. I also have a used car and a bit of CC debt I'll pay off in the next month (CC debt).
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post 1479612401 01-18-2017, 02:19 PM
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3K. More once I go back to school.
post 1479612431 01-18-2017, 02:20 PM
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Lol at the poverty debt values the yanks and canuks are spewing.

Mine is 480k offset by about 46k in cash savings.

But the house is rented so I'm on that positively geared time.

Probably going to have to pay tax this fy though. Cot damn.
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post 1479612931 01-18-2017, 02:22 PM
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Originally Posted By Mike1991⏩
5 houses in Canada, several condos in Florida. You mad I can easily support all of my debt servicing and still bring in a few thousand a month in profit?
Good for you man, takes big balls to make it in real estate. I'm more of a pussay dipping my toe in a little bit at a time. Looking for our second rental house right now.

For the question in the OP

0 CC
0 Vehicle
0 Student loan
~$50k personal mortgage
~$325k on rental mortgage
post 1479613261 01-18-2017, 02:24 PM
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If only they explained to us how student loans work before/during college.

Not counting my student loans,
17k from my car
0 from credit card
i would take her temperature with my beef thermometer.
ya rly

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post 1479614171 01-18-2017, 02:28 PM
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14k school loans

Thought getting a PhD was a good idea. It probably wasn't but here I am so whatever

In fairness I will effectively wipe out all debt by the end of my first full year working (graduated in August, was up to 29k at one point, worked the last two years while in school 30 hours a week and dropped it to around 22k, dropped it 8k since October).
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post 1479614471 01-18-2017, 02:31 PM
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About 35k right now. What's left on my house. Other than that none
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post 1479614611 01-18-2017, 02:32 PM
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post 1479618371 01-18-2017, 02:54 PM
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Around 50k in student loans
post 1479659521 01-18-2017, 08:24 PM
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Originally Posted By Mike1991⏩
Have about $5 mill in mortgages.. building dat real estate empire tho

0 personal debt
How did you get allowance for 5M? SRS.
How to lose fat for Noobs: http://forum.obnoxiousbrutes.com/showthread.php?t=129247741
post 1479659851 01-18-2017, 08:27 PM
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Originally Posted By keels141⏩
I am a firm believer in going into debt to get ahead
But aren't you worried about the great risk at all?
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post 1479660171 01-18-2017, 08:30 PM
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Originally Posted By JoshSP1985⏩
Not but you have to borrow somehow to build a credit history and cards are by far the easiest way to do so.. They're also the safest way to buy things. Home/Car/Personal/Student loans etc all build credit history.
But wouldn't it be more logical to have zero credit history?
How to lose fat for Noobs: http://forum.obnoxiousbrutes.com/showthread.php?t=129247741
post 1479661481 01-18-2017, 08:41 PM
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Originally Posted By SKBeast⏩
Debt terrifies me
Pay off credit card at the end of every month crew
State University education with no loans crew
so much this
post 1479663031 01-18-2017, 08:52 PM
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6 figures from mortgage. No student or car debt. Will continue to work on the home loan for a while before getting a new vehicle and adding to the debt load
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post 1479663961 01-18-2017, 08:58 PM
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post 1479665501 01-18-2017, 09:12 PM
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Originally Posted By Power_Strike92⏩
school loans, lawyer fees, over spending.

I just try to focus on being as successful as possible and reaching a point where I can pay it all off. Trying to develop better spending habits too.
same brah

my debt sucks. 4k in credit card, 3k in student loans for something I no longer pursue when I decided to switch to something else. Not a lot of debt at all but it's very unnecessary and a lot of money considering it's all going down the drain. Actually the fact that I'm 19 it actually is a ton of money. Lol
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