Quote Originally Posted by Vteckidd View Post
Then you didn't use it right sorry man not being a dick but you obviously don't have the discipline or money to stay ahead.

I never charge anything I couldn't pay cash for anyway. What I usually do is set aside that money until the cc is paid off. I never pay a minimum balance I always pay $200-300 at the minimum sometimes more depending on the balance.

15 years with no interest on a $250000 home mortgage alone is $1400 that's before taxes insurance home owners association fees utilities etc. That's with 0 down. I don't know many people getting 15 year mortgages with 0 down and can afford that sorry.

I disagree with you and almost any successful business person will too. Use opm whenever possible as long as it's a reasonable interest rate and you don't live outside you means.

Don't be $40000 in debt if you make $60000 a year.
so your saying because i pay cash for everything, I didn't use it right..lol that makes no sense. I pay cash because I don't want payments and I have enough discipline to save before hand.

If you can't afford a 15 year home loan, you bought to much house...