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Old 04-10-2014, 09:56 AM   #41
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I'm debt-free.
Since every man, woman, and child in the US currently has ~$53,000 in debt because of the national debt, technically you aren't.


Just having a little fun.
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Old 04-10-2014, 10:00 AM   #42
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Originally Posted by dustman_stx View Post
Since every man, woman, and child in the US currently has ~$53,000 in debt because of the national debt, technically you aren't.


Just having a little fun.
And that bothers me this much! 0

I won't be around to suffer the consequences of Washington's stupidity much longer!
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Old 04-10-2014, 10:10 AM   #43
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Sounds like we need a Dave Ramsey intervention on this topic! LOL ,)
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Old 04-10-2014, 10:18 AM   #44
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It's been a long time since we financed anything, decided to finance a portion of our 8289 just to have something recent in our credit history. I wanted to go 36 mo but most wanted 4%+ for such a short period. Went for 60 months at 2.25%, payments less than $200 with a 2% penalty if paid off earlier than 36 mo. At month 37 the account will be paid off, no penalty.
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Old 04-10-2014, 10:39 AM   #45
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Sounds like we need a Dave Ramsey intervention on this topic! LOL ,)
Dave has some good ideas, but he loses me when he basically pushes the ideology of "have nothing today so you can have $10,000,000 at retirement age". What!?!? My kids get to live like paupers and miss out on so many fun things in life so that I can have a wad of cash when I'm old and my kids are grown????? And I have no guarantee I'll even make it that long??? No thanks. I'd rather not be a miserable penny pincher for my best 30 years so I can live in luxury at a later date that might not even come. If I can retire with enough to be "lower middle class comfortable" I'll call it good.
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Old 04-10-2014, 11:21 AM   #46
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Hi all, enjoying the banter. Its funny... how far these conversations get far afield. We should not be offering unsolicited advice to others regarding what they do with their money. You can't live someone else's life. Paying cash or paying off a loan in 3 years... or paying for something over a 15 years is no one's business. I see young families with all these payments and shudder, but we come from a different era and different values. Personally and just my opinion, you don't need a high price RV to have fun with the family. If you do, maybe it is more about appearances. If you don't agree with me, I understand, but don't stone the messenger.
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Old 04-10-2014, 06:15 PM   #47
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We should not be offering unsolicited advice to others regarding what they do with their money. You can't live someone else's life.
When you come right down to it, much of our advice ends up regarding what people should do with their money. If you've been on this forum awhile, then you know that we tell people their TV isn't up to snuff, they need a bigger one - Money. We tell them they should (or shouldn't) get a diesel in that new TV - Money. We tell people they should get a WDH - Money. We tell people they should get an electric brake controller - Money. We tell people they should put fans in their fridges - Money. We tell them they should buy Rhino sewer hoses vs the Walmart brand - Money. We suggest digital thermostats, either programmable or not - Money. We tell them they should (or shouldn't) get a tankless water heater - Money. We suggest they should (or shouldn't) use their furnace vs a space heater - Money. We tell them they should buy PUGs - Money. Almost all of our advice, when you get down to the nitty-gritty, ends up involving money.

You can take the advice or not, it's up to you. And if you don't like the advice, you can always remember the old adage:

Much advice is free and it's worth the cost!
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Old 04-10-2014, 06:28 PM   #48
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Regardless, it is nice to be completely debt free with only monthly utility, insurance, etc. bills to handle. Took 35 yrs to get there and we enjoy it. Our system is we pay cash for whatever we buy.
LOL, all my life my Dad was the same way OC. A few years ago he (finally) wanted to get a cell phone. He was denied an account because he had no credit history!

He's a preacher and I thought he was gonna lose his religion over that!

Owns his home outright, three vehicles, all paid for with cash on the barrel head, owns investment properties all paid for in cash when he purchased them, and he couldn't get a cell phone account in his name??????

I still laugh when I think about his outrage....poor dear, we put his phone on our business account.

He won't even get a debit card. "no way! I'm not buying with plastic money"
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Old 04-10-2014, 06:39 PM   #49
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...He won't even get a debit card. "no way! I'm not buying with plastic money"
Oh, we have debit cards, I've never used mine, and 2 plastic cards that get zero'd out the 20th of every month.

For years, we told everyone we had good credit, everyone had it. Not now, cash for everything except monthly bills.
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Old 04-10-2014, 06:57 PM   #50
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Our dad could not get Dish Network due to no credit history - always paid cash for everything including cars and house and no bank account either - stashed in a jar (old school) - hard to imagine.....
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