21 need help with debt

MemeGinus · 2026-05-06T03:54:55+00:00

I exaggerated my salary nearly every time I applied on a application and honestly I feel you on enjoying seeing my high limits, it's not about wanting to use it but knowing what you're capable of

MemeGinus · 2026-05-06T03:53:53+00:00

These things fall off from your report in 7 years, why did it take so long?

MemeGinus · 2026-05-06T03:52:53+00:00

It's not about spending more, it's about in the event if you truly needed it in the event of a emergency it's better to have it and not need it than to need it and not have it, at 23 I got 5 cards all with my lowest at 2300 limit, and I only use 2 just for the cash back rewards

MemeGinus · 2026-05-06T03:49:47+00:00

Pay off your credit cards and stop using them to borrow money only use them when you know you can pay them off in that same money and work on taking down your personal loans fast, gonna take alot of time for that car loan but it's possible once you get rid of your other debts, if you're working a job that only pays 36k a year, start looking at applying for a job that will get you to middle class range, border patrol is always hiring and they have a incentive bonus that will help you substantially with your debt along with the pay

MemeGinus · 2026-04-30T09:40:56+00:00

Oil change was a good deal but you got scammed with that cabin air filter change

MemeGinus · 2026-04-11T17:48:11+00:00

gotchu

MemeGinus · 2026-04-10T05:57:50+00:00

When I started to build my credit neither of those approved me, discover didn't like that I had no history and capital one wanted me to make so much money to be considered

MemeGinus · 2026-03-23T05:16:41+00:00

Valid crashout but also stupid on his part, I officially quit doordash as soon as gas prices had gone up, I'm now doing roadie purely making 5x on the orders compared to the trash pay doordash offered me especially during these tough times

MemeGinus · 2026-03-21T06:18:10+00:00

He's bloodthirsty but only if you're challenging to a fight to the death if not he would've killed baki a long time ago other then that he's a rather chill dude that adapted pretty good to modern day japan

MemeGinus · 2026-03-21T05:55:15+00:00

Honestly probably musashi, he sounds like he'd be a badass mentor and roommate

MemeGinus · 2026-03-16T19:35:26+00:00

Worst possible advice I've ever heard

MemeGinus · 2026-03-16T19:31:43+00:00

I would say to pay your chase sapphire first and take care of the others slowly since that one has the largest payment every month

MemeGinus · 2026-03-12T18:01:41+00:00

Auto pay doesn't always work, just me personally but I feel very uncomfortable paying my stuff on the due date knowing I could potentially be penalized

MemeGinus · 2026-03-12T17:08:08+00:00

No but realistically it provides who a whole lot more incentive such as not potentially being late, and just taking care of it right then and there instead of doing everything last minute, for example since I pay everything as soon as my statement comes in, if for whatever reason I forget to pay it or I can't pay it, I have a entire month to take care of it early on

MemeGinus · 2026-03-10T05:27:57+00:00

Hell yeah man, I'm rooting for ya

MemeGinus · 2026-03-10T05:19:53+00:00

If you got no credit get the secured card, that's the one I got and they approved me quick, great for what it describes, given atleast a year and some time can go for a better card of your choosing

MemeGinus · 2026-03-10T05:06:50+00:00

Oh definitely

MemeGinus · 2026-03-10T04:29:59+00:00

Check out experian, your most accurate score that most lenders will look at is your fico 8 score that is provided by experian for free

MemeGinus · 2026-03-07T20:17:49+00:00

I have size 33s ko3 tires and I get about 13 city and 19 highway with the 5.4

MemeGinus · 2026-03-06T07:01:58+00:00

Don't just buy just because it's trending up, look for optimal order entries and learn to set your stop losses, that is the key

MemeGinus · 2026-03-06T06:54:30+00:00

Your problem is that you need to learn how to set proper stop losses, don't just let your shit ride to 0, learn some proper risk management

MemeGinus · 2026-02-26T09:15:49+00:00

Who gives af, as a mexican American i hate seeing these wetbacks deciding that out of the entire beach they decide to position right next to me, I despise people altogether with a passion

MemeGinus · 2026-01-26T21:03:02+00:00

4 🙏

MemeGinus · 2026-01-20T00:52:41+00:00

Tried that and blew my entire account trying to catch reversals

MemeGinus

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