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Joined 1 year ago
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Cake day: July 19th, 2023

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  • The smart way I implied using credit is literally only taking the bills you currently pay, pay credit instead and then paying them off with debit a few days later.

    If a bill or layoff would financially ruin you on credit like this, it would ruin you even faster without credit.

    If you get a decent credit card and that’s literally all you do, your credit score will go up and you can get free airline miles to use on hotels+airplanes. Or get a different card and get some% cash back instead.

    You literally get more for the same money.

    Not doing that is bad with money.



  • How am I wrong?

    If you pay off your balance before the end of the month, you get to invest other people’s money into your life for free.

    I even get free flights and hotels just for paying my bills with a credit card then paying off the card like 3 days later.

    As long as you don’t let charges sit for a month+ without paying them off you don’t pay anything extra.

    If you have an opportunity to make money but you need to spend money to get started, you have that option as well.

    example: I just got an extremly remote, but well paying job. I bought a portable solar panel+battery, a portable freezer, and starlink internet. Couldn’t afford it cash, but because I can afford the investment on credit, I can comfortably take a job that doubled my monthly earnings I otherwise wouldn’t have taken