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Yes All Women Are Like That 0090 – Book Discussion: How The Other Half Eats – Episode XI: If You Are Not Prioritising The Needs Of Those Who Are Dependent On You Then You Are Not A Good Person. You Are A Bad Person. — 3 Comments

  1. The only reason to have a credit card is to build credit. The only way you can build credit with it, is to pay your bill off, before it comes due, consistently, every month. I usually pay mine off every week, so I don’t build up a bad habit of waiting, until the end of the month, to pay a massive bill. Yes, you can use credit cards to make large purchases, and then, use other methods of credit debt transfer, to defer having to pay that large payment off immediately, but, if you get into the habit of doing this, you will never get out of debt.

    • and get a credit card that offers cash back, like the Fidelity unlimited 2% cash back. Then use that to pay for all stuff you’d be buying anyways and pay the balance off monthly to avoid interest and there’s an easy 2% return. Not going to get rich doing this, but better than nothing.

  2. PNC High Yield Savings: 3.3%, there are others paying over 4%.
    Vanguard VUSXX – 3.6%
    Fidelity SPAXX – 3.3%
    Current CD Rates – 4%-5%
    It’s not 5%….but it’s also not the .01% interest you’d get on a typical savings/checking account. And ANYONE can sign-up for these online in 5 minutes.
    I keep maybe 2 months expenses in a low-interest checking to pay the bills, and a larger emergency fund (12 months) in high yield savings spead out in the ones I listed above.
    Not going to get rich doing this, but it’s better than having ALL your cash sitting in bullshit accounts earning nothing. And, $10000 in a 3.3% account generates $27 a month….that’s at least part of a bill…similar to the dumb nigger woman buying a reverse osmosis system ONCE instead of pissing away $40/mo on bottled water.

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