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Awakened 3 years, 3 months ago.
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Disclaimer. I use my CC whenever possible. I pay it off every month. I haven’t paid interest in 15 years.
Sorry no link , but behavioral economists, have done studies that clearly show that your brain views cash one way and paying with plastic a different way.
Another way, as brother stealthy would say. Paying cash causes mental pain. While playing with plastic doesnt.
Spending cash on stupid s~~~ is hard using plastic is easy.
Once you understand your brain, you can overcome your hard wireing.
Love is just alimony waiting to happen. Visit mgtow.com.
Bro. Jan:
So what’s the point? Cash can be good, and I live in a country where people still prefer cash. Credit cards are becoming more widespread, in fact much more so. I’m American but I’m not living in the US. Further, personal checks here where I live basically don’t exist. Cash is anonymous and can’t be traced, always something very good. At times if buying something I purposely use cash and walk into the place with shades and a wide-brimmed hat on to avoid recognition. I do though have credit cards; and like you I also pay it off monthly no matter how large it is and haven’t paid interest in almost 2 decades. Was in debt in my younger years for a while and got out Praise God. Never going back into debt again. I’d say at best 50-50 spending cash and credit card is ideal. Just saying. To go cash-only is possible, but unnecessary in this day and age. Having cash savings set aside in a secret place–READ: Not a bank–can be very beneficial and a good thing to do.
"Shot through the heart, and you're to blame, You give love a bad name, I play my part and you play your game, You give love a bad name."--Bon Jovi
My Brother,
The point is once you understand why you spend so much on you plastic it will help you avoid spending more money than you should or wanted.
Think about it. People will whip out the card and spend $1000 for a new big screen tv. Would you buy it if you had to count out 50 x $20 bills? The research says the latter will hurt more so maybe not.
Love is just alimony waiting to happen. Visit mgtow.com.
Anonymous24I keep only a small amount of money in a Credit Union, deal mostly in cash, and will never take a loan or line of credit again from any entity.
Voluntary enslavement is not my thing.
Disclaimer. I use my CC whenever possible. I pay it off every month. I haven’t paid interest in 15 years.
This is what I do as well. I accumulate 1.5% cash rewards on my credit card. I literally put everything I can on it. Why send a check in to pay my electric bill when I could call up and pay via credit card over the phone, I save the price of a stamp, earn my 1.5%, and it doesn’t cost me anything extra. If you are disciplined enough to not buy what you wouldn’t buy with cash, and you pay it in full each month so you never pay interest, its a sweet deal and very convenient.
I use an American Express credit card to get travel points, but I use it like a debit card. I put money into it so that it has negative debt and then just use it like a debit card.
cash is king .
cash is freedom.
cash is power.
cash is the best way to pay for almost anything.
I LOVE CASH !
cash is like holding your dick with a whore ready to suck..
credit card is for what now ???
.
CASH.
you need to have a lot of cash at all times.
4 to 500 hundred in your pocket.
all the time.
cash lets you go to a hotel ,
rent a car,
f~~~ this list..
.
cash is real ..in your hand and in demand.
don’t throw it at pole dancers.
.
credit cards help you to manage money.
cash lets you manage YOU .here’s some CASH for you guys…
Disclaimer. I use my CC whenever possible. I pay it off every month. I haven’t paid interest in 15 years.
This is what I do as well. I accumulate 1.5% cash rewards on my credit card. I literally put everything I can on it. Why send a check in to pay my electric bill when I could call up and pay via credit card over the phone, I save the price of a stamp, earn my 1.5%, and it doesn’t cost me anything extra. If you are disciplined enough to not buy what you wouldn’t buy with cash, and you pay it in full each month so you never pay interest, its a sweet deal and very convenient.
And that’s the way to do it !!! That 1.5% adds up, and I cash mine in frequently for $25. – $50. gift cards to places like Target, Walmart, restaurants etc.
I guess it’s even a better deal to save up for air fare, but since that not a concern presently, the gift cards come in HANDY !!
In a World of Justin Beibers Be a Johnny Cash
Anonymous11cash is king .
cash is freedom.
cash is power.Cash is probably the biggest scam in history, people are becoming traitors against their countries for the bankers just to get their grubby little hands on a smidgen of what the banks have stolen from us. For many people it’s not so easy to turn down a fistful of green paper, for a paycheck and a pension some people will go to work every day to push undesirables off a cliff.
cash is king .
cash is freedom.
cash is power.
cash is the best way to pay for almost anything.You are right and that’s why at some point someone will start coming up with reasons why it should be illegal.
"Listen to all, Follow none"
Anonymous11cash is king .
cash is freedom.
cash is power.
cash is the best way to pay for almost anything.You are right and that’s why at some point someone will start coming up with reasons why it should be illegal.
I don’t think we need to come up with any more reason why it should be illegal, as we are already up to our necks with reasons why it should be illegal, besides The U.S. Constitution seems to indicate that it is already illegal. MONEY IS POWER.
I think this country and others could use four more laws:No person shall print money.
No person shall spend printed money.
No person shall receive printed money.
No person shall collect taxes.I don’t think we need to come up with any more reason why it should be illegal, as we are already up to our necks with reasons why it should be illegal, besides The U.S. Constitution seems to indicate that it is already illegal. MONEY IS POWER.
I think this country and others could use four more laws:No person shall print money.
No person shall spend printed money.
No person shall receive printed money.
No person shall collect taxes.So what do you want…anarchy and bartering for all?
When people sign up to buy a new car on finance I often wonder if they would still buy the car if they had the money in cash in front of them. Signing a piece of paper is one thing, it is not real money but having the cash I doubt as many people would be so keen to swap it for a depreciating asset like a car.
For women, everything eventually boils down to Alpha Fucks, Beta Bucks.
Anonymous11I don’t think we need to come up with any more reason why it should be illegal, as we are already up to our necks with reasons why it should be illegal, besides The U.S. Constitution seems to indicate that it is already illegal. MONEY IS POWER.
I think this country and others could use four more laws:No person shall print money.
No person shall spend printed money.
No person shall receive printed money.
No person shall collect taxes.So what do you want…anarchy and bartering for all?
Please forgive me for sidestepping this question about anarchy, because the word is used the same way the word terrorist is used. It conjures up the idea of an unstable and undesirable violent radical. This of course is because of the proper brainwashing we have all received. I do support bartering.
Another way, as brother stealthy would say. Paying cash causes mental pain. While playing with plastic doesnt.
Spending cash on stupid s~~~ is hard using plastic is easy.
Once you understand your brain, you can overcome your hard wireing.I am bad about this. I used CCs 98% of the time and much of the time, I do it with little thought of consequences. However, like you, I pay off each month, and have a general sense of how much I can spend.
There is no doubt I am not always wise about it, but it’s not all bad either. From a micro sense, it’s not good, but from a macro sense, it definitely is. I tend not to worry about it much, as how I spend money is generally rather stress free, and that has value in itself.
Whether you use cash or plastic, money has no real value in itself. It’s value is in the goods and service you chose to exchange it for. Therefore, I’ve found it easiest to understand the value of money by translating into a commodity I can understand. When in college, that was CDs. So when in college, something that cost $30 was 2 CDs to me. Was it worth two CDs? Easier to decide that way.
Of course, goods and services have different value to different people, so you have to figure out which commodity works for you.
Ok. Then do it.
When people sign up to buy a new car on finance I often wonder if they would still buy the car if they had the money in cash in front of them. Signing a piece of paper is one thing, it is not real money but having the cash I doubt as many people would be so keen to swap it for a depreciating asset like a car.
Well. I never really thought of it like that. Just the way it is hard to fathom what a trillion dollars looks like, paying $30k for a car is easy when you put the object of desire in front of them, and reduce the visual effects of the cost to a mere sheet of paper. Put $30k in front of me and it’s going straight towards real estate, stock, or some other hard asset.
Funny, isn't it? How women thrive on a mans time, attention and resources, while simultaneously telling him he isn't enough...
I use both a credit card and cash however I only use my credit card now for emergencies, paying bills automatically, and gas. My card gives me points for free gas and other things so it is a bit of a bonus.
However I have started to use more cash now and as others have said I find myself spending less money when I have a set amount of cash in my wallet. On top of this is I take all my coins and stick them in my safe, don’t use them as I really hate carrying change around. I have been finding that I have at the end of the year a couple grand in change sitting there saved so I dump that back in stocks that pay me more money.
The problem I see though with cash and credit cards is that they are based on what’s called fiat money… money that’s back only by the government’s word that it has value. So if there is a SHTF scenario that happens to be economic your paper money is worthless. I believe in being prepared and have been socking away gold and silver for a while now…. untraceable, does not expire, and has been used as a real currency for thousands of years.
Knowledge is power..... Don't waste your brain on bullshit
When people sign up to buy a new car on finance I often wonder if they would still buy the car if they had the money in cash in front of them. Signing a piece of paper is one thing, it is not real money but having the cash I doubt as many people would be so keen to swap it for a depreciating asset like a car.
I look at it like some people get it…and some just don’t. For example…a buddy of mine recently traded in a perfectly good car for a nicer, more expensive car. He didn’t even have the original car paid off, but he went from the balance of a 4 year loan with a god awful double digit interest rate to a 6 year with a much better rate because he improved his credit quite a bit over the last few years.
What did I think about it? God damn! You just spent 30k you didn’t have on a car!
What did he think about it? I’m saving money…my monthly payment went down a little!
It really doesn’t matter if the debt vehicle comes in the form of car loans or credit cards…some people just can’t see past next month. With my outlook I’d have made the last few payments on the existing car and banked my “car payment” from the payoff date until the car actually needed replaced. With his outlook its all about the monthly payments and as long as he gets stuff now he doesn’t care how much interest he pays over the course of his lifetime, or that he’ll never be able to retire(well at least he won’t care about it until he’s older and its something that is right around the corner and not 30 years off).
I don’t think the banks or the credit card companies are bad…in the end people are volunteering to put the shackles on. I’d rather just buy more stock in banks and credit card companies and let the consumerists pay my dividends.
Please forgive me for sidestepping this question about anarchy, because the word is used the same way the word terrorist is used. It conjures up the idea of an unstable and undesirable violent radical. This of course is because of the proper brainwashing we have all received. I do support bartering.
The current system doesn’t stop you from bartering, and I think most of us would agree we’d rather just get a pay check from work then something we had to go barter with. What is my job going to give me a shovel, a wrench, and a lawnmower for payment next week and when my electric bill comes due I’ll have to see if they want the shovel or the wrench, or maybe take the lawn mower and we’ll call it even for the next 6 months? Then I’d have to transfer it over there because if I wanted to ship anything I’d have to barter with the UPS guy. I’d rather just log in to my account and transfer over a dollar sum…so much quicker and easier.
Well. I never really thought of it like that. Just the way it is hard to fathom what a trillion dollars looks like, paying $30k for a car is easy when you put the object of desire in front of them, and reduce the visual effects of the cost to a mere sheet of paper. Put $30k in front of me and it’s going straight towards real estate, stock, or some other hard asset.
Its all about long term vs short term. You obviously see the big picture…lot’s of people don’t. What I have experienced time and time again going through life is when you work for something BEFORE you buy it…often times when you get the resources to buy it you realize you really didn’t want it that much.
I know when I was younger I wanted a sports car really bad. Now its just like meh, I could afford whatever car I want…but is it really worth the extra maintenance, taxes, and purchase price when I could just throw all that extra money in the market and retire earlier? In a few years if I’ve changed my mind I can always let my investment income pay for a sports car, but if I buy that car now and dump a bunch of money into it over the years and in a few years don’t want it anymore and get rid of it, I’ll have significantly less money in the bank then if I prioritize investing now.
The problem I see though with cash and credit cards is that they are based on what’s called fiat money… money that’s back only by the government’s word that it has value. So if there is a SHTF scenario that happens to be economic your paper money is worthless. I believe in being prepared and have been socking away gold and silver for a while now…. untraceable, does not expire, and has been used as a real currency for thousands of years.
This is why I try to invest in companies that have a global foot print. I’ll just use GE for an example…maybe they make most of their money here in the states, but they make quite a bit of money in other countries, and a lot of their production is based in other countries. If our system collapses sure GE will take a hit…but in the end they’ll just refocus their business in other regions. Maybe they’ll have a few bad years, but a large company like this will ultimately be more resilient than any single country.
Basically when I’m buying stock my money isn’t sitting in dollars, and if/when the dollar collapses global corporations will do everything they can to not go down with the dollar…just like a lot of them do everything they can now to not pay taxes. I don’t want to see the dollar collapse, and I think I’ll be better off if it doesn’t…but long term stock returns have absolutely crushed the “returns” of gold that really has just kept even with inflation…if the dollar collapses in 15 years and I lose half of my relative worth I’m still not going to care because I’d still have more than if I had it parked in cash or gold that whole time.
I got myself in credit debt that lasted from March 2007 – January 2013, which included a $950 HDTV just a week before the 2008 crash. I can’t believe I got myself out of it. During the credit crunch people were losing credit, while I was gaining credit. After being debt sober for almost 4 years, not a single month went by where I couldn’t pay back a bill in full.
Since being on SSI, I pay for things only using my Sony VISA card; food after my SNAP card ($92 a month) runs out, a few nights out. I pay it off in full with the next month’s SSI deposit, but I will never charge again what I don’t have the money for. I don’t want to go through another credit hell again if I can avoid it.
I have 2 reasons why I pay with credit over cash. 1, I pay what I have without going over my SSI deposits, and I build credit. 9 years of credit history and responsible payments each month earned a credit score of 801 last November. 2, my VISA card is a Sony card, and with my purchases I make, I earn Sony Rewards which I put towards PlayStation Network dollars so I can buy video games off the Network.
So I build credit and earn Sony Rewards with my purchases, I pay it off in full each month on time. It’s no wonder why creditors are sending me applications in the mail or email every once in a while, because they know I am responsible, even though I’m on SSI.
6 years of credit hell taught me how to respect money and how to be smart with it, and it worked. Like I said, I have a credit score of 801. I was only late for a card twice and that was right after starting the credit game and learning how it works. So in 9 years, I’ve been late only twice.
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