Originally Posted by Ducimus (Post 1431197)

You forgot your smokey the bear hat.
http://3.bp.blogspot.com/_2kjisMm3M9...+Lee+Ermey.jpg


The guy already knows he F'ed up. Geez. We were all young dumb and full of c... ( ehh. nevermind that last word) at some point in our lives.

Originally Posted by ivank (Post 1431145)

Debit cards are horrible. I did not realize how bad it was until I went to the back today and my vovo(grandma) who is the manger sat me down and showed me the damage I did from 6/28/10 to 6/29/10.
With a card, I guess it was not apparent to me the amount I am spending, with no tangible cash, I just lost control. In the time period above I went from $878.87 to $310.85.

Spending list:
-$6.51 Play Station Network(movie rental)
-$49.24 travelling to and from Jersey City for 6hr of work
-$126.63 Barnes and Noble(I went there for 1 HK book and walked out with 1 HK raider book, 1 Uboat book, 1 HMS Renown book, and 1 membership card)
-$59.72 Best Buy(went in for a pair of headphones and walked out with NO headphone but 4 Blu Rays)
-$250.06 Amazon(went to get a book about HK 33 Pinguin, saw an interesting book about the Komet, saw another raider book, and so on...)
-$43.98 Eurosport.com (Portugal jersey shorts, to complete my Portugal uniform)
-$42.56 Applebees (I am that nice guy that if a friend asks to cover his part of the bill, I would, and I know this guy with never pay me back :cry: )

And the list goes on...

I guess I just wanted to talk to someone who is not pissed at me for this(parents, vovo, friends in Germany and my GF) So now I can not go to Germany, Nederlands, and Sweden this summer, there goes that dream.

And I just wanted to warn you guys about the dangers of the cards.

Originally Posted by ivank (Post 1431198)

Well, my next pay check will start the "saying spree" if you will.

Originally Posted by mookiemookie (Post 1431206)

I used to do financial planning for a living and that was one of the first things to teach someone - have 3 to 6 months of committed expenses saved up in reserve in case of bad times. You never know when something bad is going to happen. Pay yourself first on payday - put money away for savings before doing anything else. It will grow faster than you realize if you're disciplined enough to not touch it!

Originally Posted by Vendor (Post 1431204)

But I come over to the state soon so we can take some beer and spend a lot with Visa and Amex,so you don`need to go to Sweden this year.....:)

Note:This card card can really suck!

Originally Posted by ivank (Post 1431210)

at an interest rate of .01% it ain't growing lol.

But yea, this is what I am being told

Originally Posted by ivank (Post 1431211)

:rotfl2: She was in from Sweden for my last Birthday and told me she could not do this again for a while cause it cost her a ton, so I need to travel there, which now is not happening.

Yes, this card stuff sucks

Originally Posted by Vendor (Post 1431217)

She come over ,obviously and your time is clear....:yep:

Originally Posted by mookiemookie (Post 1431215)

Don't expect interest payments to help you out with that! :O:

You need to commit to putting $20, $50, $100, or whatever you can afford away in a savings or money market account each time you get paid.

Originally Posted by ivank (Post 1431219)

Sh*t she comes back here, my calender is SOOO clear, screw everything and everyone else! :D

Originally Posted by Vendor (Post 1431230)

so you can take a shot and visit your GF or take :timeout:

Originally Posted by tater (Post 1431233)

I almost never use a credit card, and instead use debit. OTOH, I always know how much is there—part of the beauty if debit cards is that assuming you don't use checks, you always have a current running balance with no work. Spend $100, balance drops $100.

I certainly see your point about money disappearing, however. Our bank has pretty good breakdowns of spending by payee, so we can look at a glance at food, entertainment, etc, and see how it goes on a monthly basis, and to whom.