What if I need to borrow money to buy or fix a car to get to a job?
“What if I need to borrow money to buy or fix a car to get to a job?”
You’re irresponsible and shouldn’t have a CC.
A CC isn’t for the purpose of borrowing, it’s a convienence card.
If you can afford it go ahead. If you can't afford to pay for it don't buy money. Is that hard to understand?
I don’t think most folks up to their eyeballs in credit card debt got there by purchasing the basics like a car to get to work.
“What if I need to borrow money to buy or fix a car to get to a job?”
Many of us have been there at one time or another in our lives. Here’s a serious answer:
Before you get a credit card, read all of the fine print. Don’t accept credit from a company that is going to raise the rates or levy huge penalties for late payments.
Once you have done that, figure out how much you are going to have to borrow on the card and if you are going to be able to pay it back. If the answer is no, try one or more of these:
1. Find another way to get to work.
2. Get help from family or friends, telling them the truth about the likelihood that they will get paid back in a timely fashion.
3. Find a different job, closer to home.
Then: Sit down and track every dollar you spend. Cable tv? Fast food? Ipod? Computer? Entertainment? Concerts? Magazines? Newspapers? Dump everything you don’t absolutely need for survival until you are living within your means.
Finally, once you are living within your means, get out there and increase your means! It’s a long process with ups and downs.
In any case, borrowing money when you won’t be able to pay it back will only make things worse.
That would eb classified as a "rainy day," the kind of time we used to be taught to save for.
Of course, now we are taught to "have it all," NOW, so the concept of "saving" is hopelessly quaint and old-fashioned.
just a moment there, moonie - we can't have a practical consideration get in the way of pious, self-righteous indignation, now can we?
Here on Free Republic, we smugly assume that people CHOSE to be taken advantage of by predatory lenders and that people's own foolishness and habits of sloth cause the emergencies that may require the use of a (gasp!) credit card.
As you know, moonie, most of us here on Free Republic pay cash for everything (including homes and cars), have portfolios bursting at the seams and several years worth of income sitting in savings. People who don't are stupid, wicked "welfare cheats" and Jesus doesn't love them like he loves us.
I only hope Jesus can forgive your wicked, evil thinking. I will pray for you.