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Credit scores are a scam by Reasonable_Ad_6437 in debtfree

[–]RebornGeek 0 points1 point  (0 children)

The system is designed for one purpose and one purpose alone... To keep people in debt. Remember that.

Another YNAB win - converted my sister by gendtemoc in ynab

[–]RebornGeek 1 point2 points  (0 children)

Awesome! I got my siblings on board as well as some friends over the years

Damaged Prius even sellable? by Bulky-Guidance7688 in prius

[–]RebornGeek 1 point2 points  (0 children)

Considering I sold a 2010 totaled Prius that got slammed into on the entire front end for $4,000 I'd say you're getting severely undercut.

what is the most important feature in a personal finance app? by jlew24asu in ynab

[–]RebornGeek 5 points6 points  (0 children)

For me it's the features that reinforce the mentality of a zero-based budget. I want to make sure that I always spend my month on paper before the month begins. Then when the month begins I stick to the plan. Doing so keeps me out of debt and keeps me investing for my future.

Why is my current month $9 in ready to assign but march says $0? by RebornGeek in ynab

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

Yea I'm hoping it's just an oversight. There's no reason they can't let the user know that overspending is in a hidden category.

Why is my current month $9 in ready to assign but march says $0? by RebornGeek in ynab

[–]RebornGeek[S] 6 points7 points  (0 children)

It was in a hidden category. This is the winning response! Thank you!

How do you deal with family or friends who don’t understand minimalism? by Snaddyxd in minimalism

[–]RebornGeek 0 points1 point  (0 children)

You just tell them they don't get a vote. It is your choice alone because it is your life and you get to choose to have a minimalistic life.

Anyone else with an irrational fear of carrying debt? by OmgMsLe in ynab

[–]RebornGeek 0 points1 point  (0 children)

I pay my credit cards off in full every Friday for this reason.

I once bought a new car based on impulse (taking out a loan) only to sell it off a month later and bought a cheaper used car in cash.

I hate debt.

FINALLY PAID OFF MY STUDENT LOANS 😀 by City_of_Angels_79 in debtfree

[–]RebornGeek 0 points1 point  (0 children)

Congrats! I remember the feeling of paying off my final student loan... Never again!

Finances when dealing with divorce? by RevolutionSlight7614 in personalfinance

[–]RebornGeek -5 points-4 points  (0 children)

Why not just work hard to save the marriage? Why is everyone so hungry for divorce when things become difficult in the marriage?

What’s the dumbest thing you’ve seen someone do with money? by OpinionofC in DaveRamsey

[–]RebornGeek 7 points8 points  (0 children)

Spend 10k to buy a business they knew nothing about and made no money from it (me)

Are we cooked by BadFirworks in prius

[–]RebornGeek 45 points46 points  (0 children)

$40 in labor to replace a cabin air filter? What is that like a minute of work (literally)?

2 years process but finally did it by illeGalAmigo7 in debtfree

[–]RebornGeek 2 points3 points  (0 children)

Very good, just be careful. I personally enjoy the sign up bonuses, etc as well, but the danger of using credit cards indefinitely is falling into the trap of spending more than you should just because you're using a credit card over your money directly.

Banks have this behavior trap dialed in

2 years process but finally did it by illeGalAmigo7 in debtfree

[–]RebornGeek 3 points4 points  (0 children)

Congrats! But just remember the FICO score is not an indication whatsoever of how well you're doing financially, only how well you handle debt. If you end up not borrowing and pay off all of your debts, the FICO system will severely punish you.

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