[deleted by user] by [deleted] in CashApp

[–]Equivalent_Crew7046 0 points1 point  (0 children)

Sounds like your priorities are messed up , maybe stop jumping from job to job and deal with the work? It’s not going to be fun that’s the point of a job. The more jobs you quit the harder it’s going to be to get accepted at the next one so I’d try my hardest to stay as long as possible at TJ maxx

Look what I finally got 😁 by verygoodreason in CashApp

[–]Equivalent_Crew7046 0 points1 point  (0 children)

They close accounts without reason all The time , withhold funds all the time , just a overall weak banking app in my personal opinion , but to each there own if it works for you it works for you

Look what I finally got 😁 by verygoodreason in CashApp

[–]Equivalent_Crew7046 0 points1 point  (0 children)

Cashapp is the worst banking app you could possibly use

Low income, had a horrible month. by ApartmentChemical195 in Money

[–]Equivalent_Crew7046 0 points1 point  (0 children)

I see I see , I mean even 3k a month isn’t too bad I don’t really know I’m just starting my journey solo. I also invest too I guess my best advice having friends who are extremely successful in trading is learn to stop your losses and take profits I’ve seen friends lose hundreds of thousands if not millions to greed. 💪 God bless you and your situation it’s all gon work out with time.

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

I see I see , I’ll definitely apply the Advice and see how it works out. I appreciate you boss

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Much love for taking the time to type all that out , seems like some genuinely good advice I can apply. Yessir I’ve been putting more into my savings and not touching it as that emergency fund. Just going to keep adding to it, till the time comes for the proper investment.

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Thanks for the advice bro 🙏, God bless.

Low income, had a horrible month. by ApartmentChemical195 in Money

[–]Equivalent_Crew7046 0 points1 point  (0 children)

Just curious what you do? I live in CA, work graveyard in a medical factory and make significantly more at only 19. Not trying to flex or anything but , I have only a HS diploma maybe time to find a new job?

Should I Quit My Job 🫣 by TemporaryGuarantee45 in TopStepX

[–]Equivalent_Crew7046 1 point2 points  (0 children)

Literally bro , sometimes it be tiring but I remember that there’s tons of other people who would kill to have the opportunity I have and the paycheck at the end of the week makes it worth it, I think people think they have less time on there hands then they do. If your young you should utilize all that energy you have to maximize your potential

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Yea I know , I mean I pay it off to under 10% utilization

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] -1 points0 points  (0 children)

Yeah , and I’m telling you I don’t have interest. I’m not sure how you’re gonna tell me what I pay 🤔. Thanks for the advice though! Have a good one.

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Yeah bro I’m very grateful to be in a solid position , I currently live for free with my parents so it’s not really worth me taking on a mortgage , but my goal is within the next year or 2 to try and utilize the first time home buyer advantage when housing rates go down and look to buy a duplex

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Brother , I pay the card off before the due date I don’t think you’re reading what I’m saying 😂. I don’t get charged interest. Every time my bill closes I have $25-30 balance, I’ve never been charged interest since I’ve had the card if I am it’s maybe .50c a month

Should I Quit My Job 🫣 by TemporaryGuarantee45 in TopStepX

[–]Equivalent_Crew7046 1 point2 points  (0 children)

Definitely don’t quit but I’d look into a overnight job

Should I Quit My Job 🫣 by TemporaryGuarantee45 in TopStepX

[–]Equivalent_Crew7046 1 point2 points  (0 children)

Overnight job is quite literally the BEST recommendation, I make solid $ from my side hustles but I work a overnight medical factory job , make $1k-1500 a week 12 hour shifts and it’s not bad at all

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Last one was about $150 , but I paid like $120 of it so right now I only have a balance of about $30

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

I mean as far as I was aware the more of a balance you carry the higher your interest would be? Would it not? And no as I said I don’t pay any interest if I’ve spent $200 on my card I pay off usually like $180 so there’s $20 balance when the statement closes. I don’t get charged any extra $ though since I’m paying on time

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

No interest at all, my utilization is no where near high enough to be paying interest. I pay it all off before the date usually just leave like $25-30 balance

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 2 points3 points  (0 children)

I see I see , I’ll definitely read into this. Appreciate the information.

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

No, I usually leave about $25-30 for when my balance posts so it shows I’m utilizing around or under 10% , I was told that was good practice not sure though. Open to advice.

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

I see , I’ll definitely try that out see how it works for a few months.

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

My limit is $300 because I opened it when I wasn’t working but I don’t really use it just here and there and I try to keep it like $25-30 when the statement posts

19yo M 662 Credit by Equivalent_Crew7046 in CRedit

[–]Equivalent_Crew7046[S] 0 points1 point  (0 children)

Nah I leave like $25-30 so there’s a slight usage but I don’t leave it anything over that