FNK's Biggest Debtor???

[diva]

Originally Posted by *SunShyne*

$1000 between my visa and MC

<-- paid for her car in cash!
<-- did not have student loans!
<-- does not have a mortgage!

What Avana just said.
Not to mention the fact that you probably don't have a degree or a real career.

Originally Posted by diva

What Avana just said.
Not to mention the fact that you probably don't have a degree or a real career.

ESI, SHE WORKS IN HR AND SHE IS REALLY GOOD AT IT! SEE!

http://www.fnk.ca/board/showthread.php?t=105130

[neoh]

Originally Posted by Greg C

"don't keep me awake at night and I'll keep feeding you"! =)

Greg

rofl!

[cinist]

you guys are such meanies

Originally Posted by cinist

you guys are such meanies

I thought that was part of my charm Shannon?

[diva]

Originally Posted by Avana

ESI, SHE WORKS IN HR AND SHE IS REALLY GOOD AT IT! SEE!

http://www.fnk.ca/board/showthread.php?t=105130

Working in HR. I see. That's almost as vague as, "I work for the government."
:p

[cinist]

you people and your jobs

[cinist]

pfffff

[MissMarz]

i am definately underpaid. i'm thinking of asking for a raise, or getting a new job. after how long would u say its ok to do that?

working salary kind of sucks sometimes cuz they work u for every penny earned :( i can be making atleast $10K/year more... and it would def help alot

[bebu*funfun]

^^u have a design career?

[MissMarz]

i guess i have two..
i freelance graphic design
i am an excecutive assistant for a financial investment firm (work for the ceo/chairman)
and i dj (which isnt exactly a career, but maybe one day :)

[*SunShyne*]

Originally Posted by diva

Working in HR. I see. That's almost as vague as, "I work for the government."
:p

I give people jobs so they can live their lives a bit more comfortably than not having any source of income.

I don't see anything wrong with that

[SEAN!]

being in debt isn't necessarily a bad thing, its your ability to service and repay your debt that matters the most.

You need to consider that debt can be bad or good, debt expands your purchasing power and for businesses it pumps up their earnings. The only really bad thing about debt is the default risk associated with it, you need to be able to cover the payments.

As for student loans, thats actually a pretty productive debt to have because you will recieve a return on the debt that will far exceed its cost. Partly because the cost of student loan debt is typicaly far lower then all other forms of debt because it is subsidized. More importantly education improves your earning potential the only problem is the payback period can be fairly long.

[Ree Fresh]

My master card owes me 1.35.... :D

Ive always been a saver and have a set amount I never dip into except for emergency's. Paid for school right away and should have the car paid off by the summer (with in 2 years) Credit card companies hate ppl like me. I pay the day I get the bill and never spend more than what i can pay for right away.

I dont know how ppl can buy things when they dont have the money to pay for it or have a paying plan in place??? It doesn't make sense?

[Revolver]

$3567 on my 8k line of credit.
$800 on my sony mastercard
$246 on my visa
$600 owed to icbc for various infactions and such.
$978 on my future shop card.
$60 on my brand new petropoints master card wich i just got with a 1900 limit. wich i plan only to use for gas.

...i really dont mind having debt. its a good thing. i make huge payments everymonth and my credit rating is very strong as a result...perfect for when it comes time to settle down and purchase a condo...

[rustybob]

I'm about $7000 in debt between two credit cards and a Wells Fargo financing dealie. Until I was unemployed for a bit, I was also one of those peole that credit companies hate: I always carried a balance on my cards, but I always made big enough payments that I was really only paying about $2/month in interest.

Unless I go for another impulse buy (like my laptop, HDTV, HD box, etc. etc.), I will be fully out of debt within a year. A lot of that will be paid down with my tax return this year. There were a few months last year where I got absolutely molested on taxes (where I earned about $600 above my average earnings, but only got about $150-200 of that net), and since I was unemployed, that's definitely putting me into a really low tax bracket. I have the feeling this'll be the biggest tax return ever for me, and I've gotten $1500+ the last two years. Between the high amount I was taxed, some tuition still left to write down, and the transit pass writeoffs, I know I'll be a very happy guy in about 6 weeks.

Also, I'm getting a roommate again very soon. Between cheaper rent and split expenses, that's going to save me at least $3000/year. Also, during this time where I've been fairly broke, I've learned to party on the cheap. I honestly don't see me busting out $150+ bar nights anymore ever. That saves a ton of cash right there too.

Things were kinda shitty not too long ago, but from the second the calendar hit 2007, things have been looking as good as they have in a LONG time. I got a great job, debt that'll be non-existant very soon, and health-wise, I'm as good as I've been in a while. 2007 should be good, and I'm sure 2008 will be even better.

[mojo]

Originally Posted by Tea

Would you say you shop a lot or only when things are on sale?

generally, pretty frugal sign
but my sag dad is just cheap, and i can say that
cause i live with the guy.

Always is never the case tho, very true

I don't shop, i travel on credit.

[Tea]

Originally Posted by R Wellbelove

My master card owes me 1.35.... :D

Ive always been a saver and have a set amount I never dip into except for emergency's. Paid for school right away and should have the car paid off by the summer (with in 2 years) Credit card companies hate ppl like me. I pay the day I get the bill and never spend more than what i can pay for right away.

I dont know how ppl can buy things when they dont have the money to pay for it or have a paying plan in place??? It doesn't make sense?

You could almost say your TOO good with money....sorry about that 15$ cover last weekend, for once i got in for free in my life, but i would have paid, probably why i'm bad with money ;0)

[Tea]

Originally Posted by mojo

I don't shop, i travel on credit.

TRAVEL, eh?

I'd say i'm suprised but then i would be lying.

[nabs]

Originally Posted by R Wellbelove

My master card owes me 1.35.... :D

My VISA owes me 20 bucks!

no real debts anymore.

[miss.myra]

student loans

and of course my parents, i don't owe them any money, but I can't wait to get rich and be able to spoil them for taking care of me so well growing up.

[baby-phat]

I suck at saving money. :( But I am virtually debt-free, aside from owing a friend in Kelowna $80.
I'd like to save up some money, and go to school soon though.

[ppcock]

money

[diva]

Originally Posted by baby-phat

I suck at saving money. :( But I am virtually debt-free, aside from owing a friend in Kelowna $80.
I'd like to save up some money, and go to school soon though.

Stop telling yourself that you're going to save up money to go to school. People who say that never end up saving the money, and they usualy never end up going to school. You should just go. But make sure to study something that will definitely provide a return on your investment.

[Carrie]

my mom owes me money from paying her credit cards a couple years ago, but I don't ever really expect it back because it's just what family does when money gets tight.

I would love to have that money right now. man would I ever.