April 21, 2014 |
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Way to go, Ernest! We are doing the same. I wonder if the whole credit rating game will fall apart if enough of us dump the habit.
It is too bad that Merrill or Marion, probably the same person, cannot actually put facts on here.
Ditched all my credit cards and paid most of them off. Will get rid of my Capital One debt by year's end. And then I'll be completely, utterly debt-free... bliss
Spending less on liquor, more on ammo.
How did we get from personal debt to Obama? Can we keep this thing on the topic please.
My debt has reduced . . . thank you, Dave Ramsey!!
With Merril bullsh*iting about stuff he doesn't care to understand I think he would make a good reporter or politician. He's even too lazy to type his own speeches on here, does that not scream politician?
Merrill-- the housing "crisis" was simply a bubble caused by a variety of factors, the chief of which was an absolute lack of standards for home buyers. The solution all along was to require a down payment of 10-20% and to screen buyers to make sure they were a good risk.
My debt increased over the past year because I purchased a different car and now have a car loan I didn't have last year. But I hope it lasts me well past my last car payment and that the money for the car payment can be set aside for future auto-related expenses.
Our financial advisor told us to get rid of credit debt about a year ago. We will be debt free (except for the house we are going to buy) within a year.
We've managed to pay off a car, buy another(which we'll pay off soon), pay off $20,000 in credit card debt(have none now), and save over four months worth of expenses in a saving account. 0% inflation has been alright, lots of bargains on things we have bought. Two summer vacations. Still on track to pay the mortgage off on our house in less than nine years. Credit cards have been increasing our limits for the last year and offering rebate incentives. We could go out and charge $90,000 today with no collateral if we wanted. We haven't received any windfalls of money either. Lest you think us overpaid I only earn half as much as the wife makes teaching in high school. No lie.
I have no personal debt. I am responsible for myself!
I do not depend on the govt to bail me out, send me food stamps, pay my health care, my mortgage or rent, or any other hand out!
"JasonM (Anonymous) says… Liars."
Who is lying about what? I'm certainly not lying. I carry no debt right now. I certainly could if I wanted, but I choose to spend within my means and invest right now. This doesn't mean I recycle my toilet paper like Richard - I live comfortably, just intelligently.
Hey Merrill, I am on your side. But, you need to get your facts straight. When Carter took office in 1976, the interest rate went to around 20%. Home loans were on average around 12%. By the time Carter left office, a huge recession had started. People could not pay the huge interest and the savings and loan problem started. Carter did a great job at not adding to the national debt. Since 1980, all of the presidents have added huge amounts to the national debt. Obama has put on 1 1/2 trillion in 9 months. Please respond and maybe you should not just cut and paste. Or, maybe a cut and paste from a legit and real website, not one that is onesided.
Radio news last week revealed citizens are unloading debt during this economic crisis that which was created by the NEW RINO party that first entered the scene in 1980 which brought on Reaganomics/Wreckanomics that which has cost the nation 15-20 million USA jobs.
This is the problem
WATCH FRONTLINE TUESDAY NIGHT OCTOBER 20 2009
what are you talking about? omaba is gonna solve all our problems and will pay off all our credit cards! hallelula!
except for the hole obama is digging forall of us
we cut back on all the extra spending
Why should care about debt? I can file bankrupty and still in my house. Restructure my debt!!! Lots of cars for sale from finance lots. Or, let someone else worry about it.
OOPS! When will our personal debt include our per capita share of monetized promises and obligations made by the United States Federal Government, issued by the US Treasury and partially purchased by the Federal Reserve, the private banking cartel which is not Federal and has no Reserves? Who really believes the trillion$ and trillion$ of debt issued in our name will not soon be called on to be paid by US? Per capita total debt has greatly increased recently and this appears to be a continuing trend for the foreseeable future.
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