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sasquatchisthegoat t1_j6fuw10 wrote

Save your money, learn how to use credit cards smartly. If you can’t buy it twice you shouldn’t buy it once.

Regarding credit cards, you need to build credit to make your life easier or everything will cost more for you. That means you need a car loan, and a credit card. Start with a secured card and then move to a simple cash back card for gas and groceries. My credit card has paid me back like $500 over the last 3 years and I’ve never paid a cent in interest. When it comes time to buy a car or a house, or secure your own apartment it will make a huge difference.

Unrelated to finances, it’s ok to say no to friends, it’s okay to enjoy things on your own. It’s okay to be alone. Call your mom.

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jon-chin t1_j6fvz59 wrote

so long as you pay off the credit card each statement, you get 1-3% discount on things you buy.

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malarkey0_0 t1_j6j05s7 wrote

I have an 825+ credit score because my mother and I went to get me a credit card when I turned 18. I only used it for ordering used college textbooks on Amazon. Then paid it off at the end of every month. It probably only had a $1,000 max at the start (they increased it as the years went by).

Still, when I bought my house 10 years later my credit was amazing. This only works if you pay it off every freaking month! You’re not treating it like credit. Not really. If you don’t have the money in your debit account to cover what you’re going to put on your cc you don’t buy it. Never.

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