Reducing Expenses - Tips

I havent used credit on so many years that I dont have a score anymore.

The off grid property i just paid off was financed personally by my son's inlaws and my credit was that they know me.

I have applied at a few places, the feed store where I spend alot on my animals, AAA sent me an invitation to apply since im a member and a few others but no luck.
I get turned down for lack of credit score but they will give me a secured card with a limit of $200 if I deposit $40 first.

I dont even know what id use it for, $200 wouldnt pay for anything haha.

When i was 18 years old I had credit cards coming in the mail every day and never had to apply for one.

Now that I actually have money and dont need them I can't get them.

Its so wierd and ive given up for now. Don't really need it, just wanted to build my credit back up.

 

credit has its uses but only if used correctly many I dare say most don't use it correctly I have a credit card have since I was 18 but have never paid credit card interest I have it just for points and benefits/protections I pay it off monthly and dont buy stuff if I dont have the cash for it

may dont do this and end up paying 20%+ interest. Houses / property is another good use for credit vs renting but I dont want to borrow to to go into debt to have an IP where I could get a bad tenant -- been there dont that not again. So I jsut dump all my spare cash into ETF's atm

I might get a margin loan for leverage at some point but I don't need it. I have super which is growing nicely and salary sacrifice extra into that which is saving some tax.

 

Debt Equals Slavery - I Choose To Live Free, Not Fancy!

I Realise That Statement Is Above Some People's Level Of Comprehension, So I Will Just Leave It At That.

Anyway, I'm Just Off To Pick Up Some Yellow. Wish Me Luck While You Slave Away In The WorkForce

 

I work with many wage slaves.

Stressed about paying their bills and feeding their kids while they give half their income away to a government that hates them.

Refusal to comply with the IRS has saved me untold amounts of money over the last 20 years, not to mention the stress and anger I would have felt.
I can take 30% of my paychecks, dump it in gold and never look back.

Taxes were by far my biggest unneeded expense you could say.

 

it is also impossible if you are a on a wage / salary as well as the ATO get its cut before we see any of it.

 

Well its not illegal in the US. I wouldnt condone breaking the law and I sure wouldnt want to go to prison and room with Big Bubba haha.