Flywin Lannister
Superstar
Congrats!honestly a lot can change in a year. I'm BYKE!!
I was looking at my January statements from last year
CC #1 $ -7222
CC #2 $ -5085
CC #3 $ -2855
CC #4 $ +15.15
Savings account: 0.03
Checking account:1700
A nikka was in the fukking HOLE and literally BLEEDING money to interest charges (CC #1 took $600 in interest alone through 7 months before I transferred the balance.I'm scared to add up the total interest across all three cards, don't need anymore negativity in my life LOL) worst came to worst when my grandpa died At the end of January. I spiraled for the next 6 months. Made very little money(I work on 100% commission) .
Imagine only having enough to for the $125 minimum payment then getting slapped immediately with a $105 interest charge
Things came to a head in July of last year. I tried harder at work. Paid down what I could, opened up a new CC(LOL) at 0% APR and lied about my income so I could have a higher limit. Balance transferred about 10k and spent another few thousands paying down and as of today I'm debt free!
Now I'm paid off on ALL my CCs and have roughly 15k in savings
I hadn't really thought about how far I've come in a year until I sat here and reflected looking at the numbers.
Thankfully no student loans since I'm a drop out
I hope you learned the golden lesson: don't use credit cards, don't use credit cards, don't use credit cards.
My rule is: if I can't easily buy it twice with the money in my checking account, I'm not buying it. That goes for small and big things.
I get that this may not be so obvious because you're in the US and using credit is the obvious go-to mistake in the WE where "good credit" is considered a good thing, when in fact "good credit" means: "we can let you put yourself DEEPER in the hole than other people and if one thing goes wrong (e.g. lose your job) you can get into serious, serious financial issues - but that's fine because you're keeping up with the Joneses!"
Congratulations again breh, we've all (or many of us) fukked up with money, now that you're out of the hole time to build up that savings account and checking account!
man you a fukking herb.... and a fukking liar on top of it..... deflection is a feminine trait.... either you a bytch, or a "bytch" it all comes true in the end.....
don't make this about me versus everyone else. You already played that card with your "the majority of this site" then come to find out you a big ass lame who spends ALL his time here. How does it feel spending all your free time conversing with a bunch of low self esteem no woman getting fake black folks as you put it 
this how you feel about the dudes you steady messaging 4000 times A YEAR for SEVEN YEARS?!? 
gotta do what you gotta do
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