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Forum » I’m debt free misc!
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Thread: I’m debt free misc!

post 1684698883 06-15-2023, 07:41 PM
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#1
  1. eatliftskate
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I’m debt free misc!

I was about $4,200 in credit card debt and I paid it all off within the last month. Last payment was today.

I could’ve paid it off at any time in the last couple years with the money I have in the stock market. But I didn’t use that because I’m retarded and would rather have debt than see my stock account shrink. I cringe thinking about how much I spent on interest payments in the last couple years.

So I paid it all off in the last month putting money from every other paycheck or so. And I still have ~5k in the bank. With a $6k check coming in a couple weeks.

Feels good brahs, reps till I’m out!
6’0
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post 1684699033 06-15-2023, 07:43 PM
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#2
  1. LargePeter
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LMAO at degenerates finishing each month with outstanding credit card balances
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post 1684699133 06-15-2023, 07:45 PM
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Congratulations, I hope this inspires some of the degenerates here to learn from you. You absolutely deserve the good feels for this.
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I do not neg other posters. If I would deem your post a poor one, you have already punished yourself by writing it.
post 1684699153 06-15-2023, 07:45 PM
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  1. BrooksKoepka
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Lmao i have $30k in cc debt. $4200 is nothing.
post 1684699473 06-15-2023, 07:51 PM
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  1. eatliftskate
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Originally Posted By BrooksKoepka⏩
Lmao i have $30k in cc debt. $4200 is nothing.
I made probably about $8k in payments in 2023. Because I was using the card the whole time and paying it off halfway then building it back up.

And geeeez brah, that’s a lot. What’s your plan?
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post 1684699523 06-15-2023, 07:51 PM
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Congrats bro
post 1684699603 06-15-2023, 07:53 PM
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#7
  1. BrooksKoepka
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Originally Posted By eatliftskate⏩
I made probably about $8k in payments in 2023. Because I was using the card the whole time and paying it off halfway then building it back up.

And geeeez brah, that’s a lot. What’s your plan?
I see. No plan really. I have a sports betting addiction and hope to make it back with smart bets or winning the lottery.
post 1684699683 06-15-2023, 07:55 PM
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  1. absprintco
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Congrats brah!
post 1684699763 06-15-2023, 07:56 PM
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#9
  1. LargePeter
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Originally Posted By BrooksKoepka⏩
Lmao i have $30k in cc debt. $4200 is nothing.
I got around $22k on mine right now, but it's paid off fully before 21st off every month as per Amex charge card rules

LMFAO at spending what you can't afford
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post 1684699933 06-15-2023, 08:00 PM
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  1. eatliftskate
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Originally Posted By Chrysippus⏩
Congratulations, I hope this inspires some of the degenerates here to learn from you. You absolutely deserve the good feels for this.
Thanks brah, definitely feels good.
6’0
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post 1684700103 06-15-2023, 08:03 PM
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  1. gmenfan40
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It took you a year to pay off a debt of $4,200? Remind me to NEVER take financial advice from you ever. (Super Ded fkn Srs)
post 1684700143 06-15-2023, 08:04 PM
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#12
  1. BrooksKoepka
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Originally Posted By LargePeter⏩
I got around $22k on mine right now, but it's paid off fully before 21st off every month as per Amex charge card rules

LMFAO at spending what you can't afford
Yeah good for u for having a healthy mind. My mind is literally poisoned. I have an addiction.
post 1684700223 06-15-2023, 08:05 PM
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#13
  1. JayDigital
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gjdm! paying off lingering debt like that is the first step to start building towards a bright future. repped.
post 1684700343 06-15-2023, 08:08 PM
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#14
  1. 8pieces
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I don’t get it. You make $6k a month and only have $5k in the bank and took a year to pay off $4200 in debt? Something isn’t adding up. How much is your expense? You invest the entire remaining amount? Hooker addiction?
post 1684700373 06-15-2023, 08:09 PM
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Post deleted by user
post 1684700393 06-15-2023, 08:09 PM
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Good job you beautiful piece of ass.
post 1684700433 06-15-2023, 08:10 PM
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Hookers and Pepsi tonight?
post 1684700453 06-15-2023, 08:11 PM
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post 1684700503 06-15-2023, 08:11 PM
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lol 4k?

i build bout 350 a month on interest alone
post 1684700633 06-15-2023, 08:13 PM
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post 1684700653 06-15-2023, 08:13 PM
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Originally Posted By rollerball⏩
Are you being serious? Over how many cards and what is the average APR?

If being srs you need to take some steps now to get out from under that chit, compounded interest is no joke. You don't want to be treading water for years imo.
About 8 cards on like 20% apr. I net about 7k/month so it’s not like I can’t pay some of the debt off and save a little at the same time. My poisoned mind just won’t let me with my sports betting addiction.
post 1684700773 06-15-2023, 08:15 PM
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#22
  1. eatliftskate
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Originally Posted By gmenfan40⏩
It took you a year to pay off a debt of $4,200? Remind me to NEVER take financial advice from you ever. (Super Ded fkn Srs)
“Was about ~$4,200 in credit card debt and paid it all off within the last month.”

It’s literally the FIRST sentence of the post. Lmao. Remind me never to take reading comprehension advice from you ever, brah.
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post 1684700803 06-15-2023, 08:15 PM
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post 1684700913 06-15-2023, 08:17 PM
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Originally Posted By rollerball⏩
20% aye caramba. Can you try to roll that up into a one or two new cards/loans at a lower apr? That mindset of pay off just some of the debt will lead to just years of being under the yoke and paying so much more than necessary.

I'm kinda apalled at the sheer lack of financial discipline of some of you miscers. One of the biggest stressors in life is being in constant debt.
Well yeah i probably could and should but my poisoned mind won’t let me ded fkn srs. Sometimes i wish i had no hobbies and acted rationally.
post 1684701003 06-15-2023, 08:19 PM
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#25
  1. eatliftskate
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Originally Posted By 8pieces⏩
I don’t get it. You make $6k a month and only have $5k in the bank and took a year to pay off $4200 in debt? Something isn’t adding up. How much is your expense? You invest the entire remaining amount? Hooker addiction?
Why do you fukers keep saying a year, I literally said “within a month” in the first sentence, lol. I was making payments all year but just got aggressive and paid off $4,200 in the last month.

And I just started making good money a few months ago, lol. Was making $18/hr before that.
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post 1684701033 06-15-2023, 08:19 PM
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post 1684701063 06-15-2023, 08:20 PM
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Originally Posted By eatliftskate⏩
Why do you fukers keep saying a year, I literally said “within a month” in the first sentence, lol. I was making payments all year but just got aggressive and paid off $4,200 in the last month.

And I just started making good money a few months ago, lol. Was making $18/hr before that.
So what was the original debt amount?

Also this is why retard

“I could’ve paid it off at any time in the last couple years with the money”
post 1684701083 06-15-2023, 08:21 PM
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Originally Posted By BrooksKoepka⏩
I see. No plan really. I have a sports betting addiction and hope to make it back with smart bets or winning the lottery.
You are really retarded.
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post 1684701143 06-15-2023, 08:22 PM
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post 1684701193 06-15-2023, 08:22 PM
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Originally Posted By eatliftskate⏩
I was about $4,200 in credit card debt and I paid it all off within the last month. Last payment was today.

I could’ve paid it off at any time in the last couple years with the money I have in the stock market. But I didn’t use that because I’m retarded and would rather have debt than see my stock account shrink. I cringe thinking about how much I spent on interest payments in the last couple years.

So I paid it all off in the last month putting money from every other paycheck or so. And I still have ~5k in the bank. With a $6k check coming in a couple weeks.

Feels good brahs, reps till I’m out!
Originally Posted By eatliftskate⏩
“Was about ~$4,200 in credit card debt and paid it all off within the last month.”

It’s literally the FIRST sentence of the post. Lmao. Remind me never to take reading comprehension advice from you ever, brah.
Originally Posted By eatliftskate⏩
Why do you fukers keep saying a year, I literally said “within a month” in the first sentence, lol. I was making payments all year but just got aggressive and paid off $4,200 in the last month.

And I just started making good money a few months ago, lol. Was making $18/hr before that.
Are you really this retarded? (Ded fkn Srs)
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