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Joined 11 months ago
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Cake day: August 2nd, 2023

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  • This shit happens in the parking garage I use too and it amazes me. I drive a small sedan and I refuse to park in those spots bc I’m terrified some idiot will sideswipe me (I have actually seen this happen to other vehicles). I can only imagine it’s some sort of flex bc people have to avoid their oversized tiny-penismobile.




  • Yeah, but that only matters for months. We could instead just use weeks since there are 52 weeks per year, so a quarter would be 13 weeks instead of 3 months. It would be easier to determine how many weeks there are in a span of a couple months because it’s not variable, or any number of months because they’re just multiples of 4. I know a lot of people would be turned off by the system because the number 13 comes up so often and people are superstitious but it really would make things easier imo.







  • Credit cards are definitely better than debit cards if you can manage your spending well. The biggest reason for me is that credit cards offer better fraud protection. Say your debit card gets stolen, they can clean out your entire bank account and suddenly you have no money. It will take time for the bank to reverse these charges, meanwhile you have no way to buy necessities. With credit it’s not your money and the credit card companies are insured and deal with this stuff daily. You also still have money in your bank account for necessities.

    You absolutely have to be careful with credit though, especially if you aren’t good at budgeting. It’s not free money and will charge interest if not paid off each month, but if you can use it responsibly you can take advantage of the perks, like cash back, points and whatever else they offer.

    What I personally do is only use credit cards, I have certain ones that offer the best perks for certain purchases and pay them off in full every month at minimum. You can set them up to be very similar to a debit card and monitor your spending so you don’t build up too much debt. It boils down to whether or not you can trust yourself to be vigilant in sticking to a budget.


  • While I agree with you on the second point, I don’t believe debit cards are better than credit cards for several reasons. The main one is that credit cards offer better fraud protection. Say your debit card gets stolen, they can clean out your entire bank account and suddenly you have no money. It will take time for the bank to reverse these charges, meanwhile you have no way to buy necessities. With credit it’s not your money and the credit card companies are insured and deal with this stuff daily. You also still have money in your bank account.

    You absolutely have to be careful with credit though, especially if you aren’t good at budgeting. It’s not free money, but if you can use it responsibly you can take advantage of the credit card perks, like cash back.