Poll of the Day > You have to come out your pocket for $2000 right now, could you?

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Dikitain
12/08/18 9:17:45 AM
#51:


InhumaneRaider posted...
Kyuubi4269 posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol

$2000 isn't a high limit.

I mean, I have 5 credit cards, 2 with 1500 and 3 with 400-600 respectively. I've never been able to get a card with more than 1500 for now. That's why it was shocking to me.

I have one card (well technically 2, but the second is a Macy's card so it doesn't really count) and the limit is $5000. They have been begging me to up the limit to $10K for a while now, and I keep telling them no because I have no reason for it. I use that card for pretty much everything and I never owe more then $750 on it at a time.
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nokillingmoths
12/08/18 9:21:59 AM
#52:


InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol


My cc has a 4k limit. Could have had more...

But yes, without a credit card i could pay out 2000.
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OneTimeBen
12/08/18 9:49:25 AM
#53:


nokillingmoths posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol


My cc has a 4k limit. Could have had more...

But yes, without a credit card i could pay out 2000.

Well good luck with that cc. I guess. Maybe a good safety net but how about that interest?
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Kyuubi4269
12/08/18 10:01:22 AM
#54:


Dikitain posted...
They have been begging me to up the limit to $10K for a while now, and I keep telling them no because I have no reason for it.

It improves your credit score, you can use more without it effecting your credit score, and with a low apr card, it's cheaper than a small personal loan.
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Dikitain
12/08/18 10:08:39 AM
#55:


Kyuubi4269 posted...
Dikitain posted...
They have been begging me to up the limit to $10K for a while now, and I keep telling them no because I have no reason for it.

It improves your credit score, you can use more without it effecting your credit score, and with a low apr card, it's cheaper than a small personal loan.

My score is already good enough to get a loan for pretty much anything, and I already own a house have enough in savings for my next car (even though mine probably won't need replacement for a very long time) so it doesn't really mean much to me.

Hell, if I can help it I don't plan on getting a loan again for the rest of my life.
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rogerskg1979
12/08/18 10:08:52 AM
#56:


SonnerAnarchy posted...
Something breaks, you need it fixed immediately, but it costs $2000. Would you be able to afford that expense right at this moment?


I am literally going through this right now today as I type this message. I went in this morning for a routine oil change, and they said I need several other repairs too. The total cost is going to be $1,700. I can afford it because I keep a decent emergency fund account with about $20k-$25k at all times.
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Fierce_Deity_08
12/08/18 11:06:35 AM
#57:


Not even close. I think I have a total of $12 right now.
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Lokarin
12/08/18 11:50:13 AM
#58:


I can shoot the goo out ma pocket, gimme money
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party_animal07
12/08/18 11:56:41 AM
#59:


OneTimeBen posted...
There is a study that found the percentage of people that could afford even a $1000 emergency and its very low. Like below 20%

That's what I thought about before coming into this topic.

It made me realize how blessed I am.
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wwinterj25
12/08/18 11:59:15 AM
#60:


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OneTimeBen
12/08/18 1:11:16 PM
#61:


party_animal07 posted...
OneTimeBen posted...
There is a study that found the percentage of people that could afford even a $1000 emergency and its very low. Like below 20%

That's what I thought about before coming into this topic.

It made me realize how blessed I am.

Well good for you, little party animal
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rogerskg1979
12/08/18 1:23:31 PM
#62:


party_animal07 posted...
OneTimeBen posted...
There is a study that found the percentage of people that could afford even a $1000 emergency and its very low. Like below 20%

That's what I thought about before coming into this topic.

It made me realize how blessed I am.


I wouldn't necessarily say you are blessed, just smarter at managing your finances. A lot of those people with no savings are not actually poor people at all. A lot of them actually make very good money, but they spend it all and don't save anything. They're idiots who don't know how to manage their finances.
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LinkPizza
12/08/18 1:26:34 PM
#63:


rogerskg1979 posted...
party_animal07 posted...
OneTimeBen posted...
There is a study that found the percentage of people that could afford even a $1000 emergency and its very low. Like below 20%

That's what I thought about before coming into this topic.

It made me realize how blessed I am.


I wouldn't necessarily say you are blessed, just smarter at managing your finances. A lot of those people with no savings are not actually poor people at all. A lot of them actually make very good money, but they spend it all and don't save anything. They're idiots who don't know how to manage their finances.

There are also a lot of people that live paycheck to paycheck. Not poor, but just dont really have enough to save. Sometimes, they can throw something in, sometimes, they dont have enough...
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Magus 10
12/08/18 1:47:38 PM
#64:


Zangulus posted...
InhumaneRaider posted...
Kyuubi4269 posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol

$2000 isn't a high limit.

I mean, I have 5 credit cards, 2 with 1500 and 3 with 400-600 respectively. I've never been able to get a card with more than 1500 for now. That's why it was shocking to me.


I have over $13k in credit. It's not that hard, just don't suck with your credit.

Edit: I suck with my credit right now.


Apparently my credit limit is more unusual than I thought... My card with the lowest limit is more than $13k.
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LinkPizza
12/08/18 2:36:58 PM
#65:


Magus 10 posted...
Zangulus posted...
InhumaneRaider posted...
Kyuubi4269 posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol

$2000 isn't a high limit.

I mean, I have 5 credit cards, 2 with 1500 and 3 with 400-600 respectively. I've never been able to get a card with more than 1500 for now. That's why it was shocking to me.


I have over $13k in credit. It's not that hard, just don't suck with your credit.

Edit: I suck with my credit right now.


Apparently my credit limit is more unusual than I thought... My card with the lowest limit is more than $13k.

Tbh, I dont think I would want a card with that much. I might buy something I shouldn't... Especially if thats my lowest credit card limit...
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Magus 10
12/08/18 2:44:41 PM
#66:


LinkPizza posted...
Magus 10 posted...
Zangulus posted...
InhumaneRaider posted...
Kyuubi4269 posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol

$2000 isn't a high limit.

I mean, I have 5 credit cards, 2 with 1500 and 3 with 400-600 respectively. I've never been able to get a card with more than 1500 for now. That's why it was shocking to me.


I have over $13k in credit. It's not that hard, just don't suck with your credit.

Edit: I suck with my credit right now.


Apparently my credit limit is more unusual than I thought... My card with the lowest limit is more than $13k.

Tbh, I dont think I would want a card with that much. I might buy something I shouldn't... Especially if thats my lowest credit card limit...


For me, the credit limit on my cards doesn't affect my purchasing habits. I pay them all off every month anyway.
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Mead
12/08/18 2:45:59 PM
#67:


Lokarin posted...
I can shoot the goo out ma pocket, gimme money


Finally somewhen else read what I did
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LinkPizza
12/08/18 4:17:06 PM
#68:


Magus 10 posted...
LinkPizza posted...
Magus 10 posted...
Zangulus posted...
InhumaneRaider posted...
Kyuubi4269 posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol

$2000 isn't a high limit.

I mean, I have 5 credit cards, 2 with 1500 and 3 with 400-600 respectively. I've never been able to get a card with more than 1500 for now. That's why it was shocking to me.


I have over $13k in credit. It's not that hard, just don't suck with your credit.

Edit: I suck with my credit right now.


Apparently my credit limit is more unusual than I thought... My card with the lowest limit is more than $13k.

Tbh, I dont think I would want a card with that much. I might buy something I shouldn't... Especially if thats my lowest credit card limit...


For me, the credit limit on my cards doesn't affect my purchasing habits. I pay them all off every month anyway.

Mine doesnt at the limit I have. But with that amount, it might. Then again, with that amount, I feel like I would only have that if I made more money. Which in turn means that I probably could afford it...
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Magus 10
12/08/18 6:14:50 PM
#69:


LinkPizza posted...
Magus 10 posted...
LinkPizza posted...
Magus 10 posted...
Apparently my credit limit is more unusual than I thought... My card with the lowest limit is more than $13k.

Tbh, I dont think I would want a card with that much. I might buy something I shouldn't... Especially if thats my lowest credit card limit...


For me, the credit limit on my cards doesn't affect my purchasing habits. I pay them all off every month anyway.

Mine doesnt at the limit I have. But with that amount, it might. Then again, with that amount, I feel like I would only have that if I made more money. Which in turn means that I probably could afford it...


I don't get anywhere near my credit limit with what I spend each month, but I also don't put anything on my card that I don't already have the cash to pay off immediately.
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LinkPizza
12/08/18 6:16:52 PM
#70:


Magus 10 posted...
LinkPizza posted...
Magus 10 posted...
LinkPizza posted...
Magus 10 posted...
Apparently my credit limit is more unusual than I thought... My card with the lowest limit is more than $13k.

Tbh, I dont think I would want a card with that much. I might buy something I shouldn't... Especially if thats my lowest credit card limit...


For me, the credit limit on my cards doesn't affect my purchasing habits. I pay them all off every month anyway.

Mine doesnt at the limit I have. But with that amount, it might. Then again, with that amount, I feel like I would only have that if I made more money. Which in turn means that I probably could afford it...


I don't get anywhere near my credit limit with what I spend each month, but I also don't put anything on my card that I don't already have the cash to pay off immediately.

Thats what I usually do. Like when I had to get a fridge and stove. It was around tax return time. So, I use it to get them. Then paid it off...
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zebatov
12/08/18 6:18:27 PM
#71:


Bugmeat posted...
I don't have the cash for it. But I do have more than enough available credit to take care of what I don't have on hand.

Kyuubi4269 posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol

$2000 isn't a high limit.

It really isn't. I only have one card and it's limit is $4500. I could get higher if I felt I needed it. But that's more than enough for me.

I had one at $11,500. They usually give $1000/year if you're paying the bill on time or in good standing.
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JixHedgehog
12/08/18 6:44:12 PM
#72:


Yeah, if it were a necessity

Slowly put money aside each paycheck to pay myself back
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nokillingmoths
12/09/18 6:23:41 AM
#73:


OneTimeBen posted...
nokillingmoths posted...
InhumaneRaider posted...
'Hol up, one credit card? Who the fuck do ya'll got credit cards with lol


My cc has a 4k limit. Could have had more...

But yes, without a credit card i could pay out 2000.

Well good luck with that cc. I guess. Maybe a good safety net but how about that interest?


@OneTimeBen i pay it off in full every month.
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party_animal07
12/09/18 6:32:24 AM
#74:


LinkPizza posted...
rogerskg1979 posted...
party_animal07 posted...
OneTimeBen posted...
There is a study that found the percentage of people that could afford even a $1000 emergency and its very low. Like below 20%

That's what I thought about before coming into this topic.

It made me realize how blessed I am.


I wouldn't necessarily say you are blessed, just smarter at managing your finances. A lot of those people with no savings are not actually poor people at all. A lot of them actually make very good money, but they spend it all and don't save anything. They're idiots who don't know how to manage their finances.

There are also a lot of people that live paycheck to paycheck. Not poor, but just dont really have enough to save. Sometimes, they can throw something in, sometimes, they dont have enough...

Thats. what I was thinking of when I said blessed. Some people aren't at a point in life where they can afford to save. Sometimes it's ineptitude, other times it's just circumstance.
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SmokeMassTree
12/09/18 8:13:07 AM
#75:


In cash


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jkdarlow
12/09/18 8:30:48 AM
#76:


Yeah.
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GasMonkey
12/09/18 9:09:59 AM
#77:


just did. its called a house payment and bills
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xjayguyx
12/09/18 9:44:44 AM
#78:


Yes I have over 2k in the bank.. I'm not 16-18 years old..
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LinkPizza
12/09/18 2:06:21 PM
#79:


xjayguyx posted...
Yes I have over 2k in the bank.. I'm not 16-18 years old..

I dont see how those two things are connected...
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Kyuubi4269
12/09/18 2:11:34 PM
#80:


LinkPizza posted...
xjayguyx posted...
Yes I have over 2k in the bank.. I'm not 16-18 years old..

I dont see how those two things are connected...

2k means $38.50 a week for one year. That should be easy.
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Doctor Foxx posted...
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WarGreymon77
12/09/18 3:19:51 PM
#81:


Man if I had $2000, I could've bought a new computer 2 years ago!
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