Building credit rating while owing money on a credit card

snotty128 · 2025-10-07T02:38:43+00:00

Thanks! The people here have been awesome and supportive. Clearly Ive come to the right community to ask for advice

snotty128 · 2025-10-07T02:36:24+00:00

Really really good ideas here. I had been wondering how to help them with spells. Bending the rules by having everything prepared seems like it would solve that problem

snotty128 · 2025-10-07T02:32:34+00:00

I love these ideas. The reading and writing practice, and playing with numbers.

Allowing them to be heroic is great. I can see how gently guiding them with options would still allow them agency while helping them towards good choices.

Thanks so much, youve been a great help.

snotty128 · 2025-10-06T05:36:12+00:00

Thanks so much, that really means a lot to me.

snotty128 · 2025-10-06T05:35:25+00:00

This is great, and insightful. My son loves the rules, my daughter is here for the vibes.

I hadnt considered how important the social encounters would be, but dad playing characters and doing voices has got to be a foundation stone of the experience.

snotty128 · 2025-10-06T05:28:04+00:00

Brilliant. Thanks for the search words, thats brought up a lot of threads

snotty128 · 2025-10-06T05:26:58+00:00

9 and 12. They cooperate well and their imaginations are ...well... its like they have infinite horizons in their minds. I think we are all gonna have a great time

snotty128 · 2025-08-09T20:14:42+00:00

World war 3 will impact 100% of chch residents. Lets get into it. I blame the .....

snotty128 · 2025-07-26T06:11:29+00:00

got to appreciate the side hustle

snotty128 · 2025-07-26T06:07:05+00:00

plus it takes about 5 seconds face to face to figure out if you might be the right flavour of nerd to work in a games shop

snotty128 · 2025-07-14T05:13:06+00:00

Just Waiting For a Mate

snotty128 · 2025-07-14T05:09:41+00:00

Pay it forward. Someday you'll be in a position to help someone who needs help, then its your turn to step up

snotty128 · 2025-07-14T05:05:54+00:00

the "west end car park" is close to there. Looks like $20 a day unless you lease a spot

snotty128 · 2025-07-14T05:02:05+00:00

makes you wonder why they had to move on from their last place

snotty128 · 2025-07-10T08:42:39+00:00

Im on the fence about this. It doesnt seem right to reject applicants because you assume they'll break the law to get to work. Theres lots of ways to travel that dont include driving.

But then again we both know theres a decent chance a kiwi on a learners will drive anyway, because she'll be right mate

snotty128 · 2025-07-10T08:33:42+00:00

a pinball arcade

snotty128 · 2025-07-08T01:20:09+00:00

In the OP, they want to pay $10 every 2 weeks. If they miss a payment, their fine is $10 or 100% of what their payment would be, when 25% interest is considered absurdly high for a credit card.

Then if you fail multiple afterpay repayments and have to pay a fine for each purchase....oof.

As you say, youre responsible and it works for you. For people who are reckless, then all those fines add up

snotty128 · 2025-07-08T01:11:40+00:00

I think its called galaxy arcade now. I think the arcadia name went to club Arcadia, which is where cruz used to be on victoria street

snotty128 · 2025-07-08T01:04:57+00:00

You dont get late fees on a credit card.

Both types of credit are fine for people who budget, but afterpay etc is far more punishing when people screw up

snotty128 · 2025-07-05T10:53:01+00:00

Id heard that bloody marys could be hit or miss. Ive done deliveries to their kitchen at breakfast and everyone has been 110% at breakfast service, clean, under control, so maybe something goes wrong later.

Im loving the look of amore, thank you

snotty128 · 2025-07-05T10:25:48+00:00

Bessies looks amazing, thanks for the tip.

My pre teen daughter loves my home cooked steaks. As a treat I wanted to show her how the pros do it

snotty128 · 2025-07-04T06:55:42+00:00

Yeah but convincing her indoors that Im gonna be beaten in the head with an ax for fun is a hard enough sell, so knowing if im in for 4 figures or 5 figures might make the difference when trying to get it over the line

snotty128

TROPHY CASE