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.
 
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mmm....shiney! said:
Anthropologists argue that credit is the oldest form of money.
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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.
 
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JohnnyBravo300 said:
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.
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That's not a strategy that this forum would be comfortable in promoting.

>smiles at the ATO's web crawler<
 
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.
 
:p

letmeout.gif
 
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