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Mom0710
LIF Adolescent
Member since 9/14 682 total posts
Name:
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Re: Christmas Bills
I actually don't have any debt as we were one of the people chosen by mark zukerberg to get 10% of Facebook. So if you'll excuse me, I need to hop on my jet to go pick up my millions. 
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Posted 12/29/15 8:53 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
hmm
Sweet
Member since 1/14 8016 total posts
Name:
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Re: Christmas Bills
Posted by afternoondelight828
Posted by GoldenRod
Posted by Pinkisles
I just want to say I had no idea who suze orman was until they spoofed her in Sesame Street when Oscar is buying too much on scramazon lol
One of the first times I saw her show was when she told someone to make copies of DVDs and sell the originals.....
which is a Federal offense, so I never watched anything of hers again.
Really? Lol
I dont like her as I think she is not in touch with reality of life. She has never been married and has no kids. Her ideas don't work for many families as much as she claims they do. Maybe in podunkville, USA but not NY
I think she has a wife and they do have a child, from what I know.
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| Posted 12/29/15 9:05 PM |
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Mrs213
????????
Member since 2/09 18986 total posts
Name:
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Christmas Bills
I just spent over $150 at kohls on makeup for myself and won't be paying off the bill in full probably 2 payments of $75 because I had pink eye twice and had to throw all my makeup away and I'm pissed about it
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| Posted 12/29/15 9:10 PM |
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Re: Christmas Bills
Posted by hmm
Posted by afternoondelight828
Posted by GoldenRod
Posted by Pinkisles
I just want to say I had no idea who suze orman was until they spoofed her in Sesame Street when Oscar is buying too much on scramazon lol
One of the first times I saw her show was when she told someone to make copies of DVDs and sell the originals.....
which is a Federal offense, so I never watched anything of hers again.
Really? Lol
I dont like her as I think she is not in touch with reality of life. She has never been married and has no kids. Her ideas don't work for many families as much as she claims they do. Maybe in podunkville, USA but not NY
I think she has a wife and they do have a child, from what I know.
I see she did marry her girlfriend. The child must be her wife's.
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| Posted 12/29/15 9:18 PM |
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Re: Christmas Bills
Posted by Mom0710
I actually don't have any debt as we were one of the people chosen by mark zukerberg to get 10% of Facebook. So if you'll excuse me, I need to hop on my jet to go pick up my millions.
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| Posted 12/29/15 9:18 PM |
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dpli
Daylight savings :)
Member since 5/05 13973 total posts
Name:
D
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Re: Christmas Bills
Posted by NervousNell
I dont buy anything I can't pay off when the bill comes.
Yes there will be credit card bills as they close and come in,.but I will just be paying them in full like I do every month.
Same here.
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| Posted 12/30/15 9:19 AM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Christmas Bills
We paid for everything on debit(so just like cash.) I did charge more on my CC than I like to-I keep those under 40% utilization, but I will be paying that down Jan 5th. I do not live in NY:)
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| Posted 12/30/15 12:33 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Christmas Bills
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
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| Posted 12/30/15 12:48 PM |
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soontobemommyof2
My boys...my everything <3
Member since 4/15 3635 total posts
Name:
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Re: Christmas Bills
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
Ita. For them, it means that u're responsible enough to carry a debt and pay for it steadily (month to month) instead of paying it in one shot.
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| Posted 12/31/15 12:22 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Christmas Bills
Posted by soontobemommyof2
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
Ita. For them, it means that u're responsible enough to carry a debt and pay for it steadily (month to month) instead of paying it in one shot.
I find this hard to believe because I just had my credit run for a car lease and it's 850. And I have never once carried a balance that I didn't pay off every month.
So I can't imagine what my credit score would be if this is true and I actually carried a balance.
900? 950?
Message edited 12/31/2015 8:37:58 AM.
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| Posted 12/31/15 8:24 AM |
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DaniJude
You're My Home <3
Member since 11/06 14815 total posts
Name:
Danielle
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Re: Christmas Bills
Posted by NervousNell
Posted by soontobemommyof2
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
Ita. For them, it means that u're responsible enough to carry a debt and pay for it steadily (month to month) instead of paying it in one shot.
I find this hard to believe because I just had my credit run for a car lease and it's 850. And I have never once carried a balance that I didn't pay off every month.
So I can't imagine what my credit score would be if this is true and I actually carried a balance.
900? 950?
ELEVENTY BILLION!!
Message edited 12/31/2015 8:43:31 AM.
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| Posted 12/31/15 8:41 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Christmas Bills
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| Posted 12/31/15 8:48 AM |
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DaniJude
You're My Home <3
Member since 11/06 14815 total posts
Name:
Danielle
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Re: Christmas Bills
Your credit score would be a shit ton higher.
Dang! Opportunity MISSED 
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| Posted 12/31/15 8:50 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Christmas Bills
Posted by DaniJude
Your credit score would be a shit ton higher.
Dang! Opportunity MISSED
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| Posted 12/31/15 9:07 AM |
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Re: Christmas Bills
Posted by NervousNell
Posted by soontobemommyof2
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
Ita. For them, it means that u're responsible enough to carry a debt and pay for it steadily (month to month) instead of paying it in one shot.
I find this hard to believe because I just had my credit run for a car lease and it's 850. And I have never once carried a balance that I didn't pay off every month.
So I can't imagine what my credit score would be if this is true and I actually carried a balance.
900? 950?
Mine is in the high 700's and carry a balance every month.
I also have low rates on everything so don't worry too much that my score is not, nor was ever in the 800's.
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| Posted 12/31/15 9:50 AM |
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soontobemommyof2
My boys...my everything <3
Member since 4/15 3635 total posts
Name:
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Re: Christmas Bills
Posted by NervousNell
Posted by soontobemommyof2
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
Ita. For them, it means that u're responsible enough to carry a debt and pay for it steadily (month to month) instead of paying it in one shot.
I find this hard to believe because I just had my credit run for a car lease and it's 850. And I have never once carried a balance that I didn't pay off every month.
So I can't imagine what my credit score would be if this is true and I actually carried a balance.
900? 950?
Can't speak for others. I was just told this by a friend that works in the field.
Plus I'm sure the 850 score that u said u have, is not only based on how u pay ur c cards, but there's more to it, bigger debts like a mortgage, etc
Message edited 12/31/2015 10:31:02 AM.
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| Posted 12/31/15 10:21 AM |
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Re: Christmas Bills
Posted by Mom0710
I actually don't have any debt as we were one of the people chosen by mark zukerberg to get 10% of Facebook. So if you'll excuse me, I need to hop on my jet to go pick up my millions.
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| Posted 12/31/15 10:23 AM |
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babydreams21
LIF Adult
Member since 12/12 3656 total posts
Name:
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Christmas Bills
Nope we only buy what we can afford. I
have been shopping on sale and clearance for months.
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| Posted 12/31/15 10:24 AM |
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GoldenRod
10 years on LIF!
Member since 11/06 26792 total posts
Name:
Shawn
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Re: Christmas Bills
Posted by soontobemommyof2
Posted by NervousNell
Posted by soontobemommyof2
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
Ita. For them, it means that u're responsible enough to carry a debt and pay for it steadily (month to month) instead of paying it in one shot.
I find this hard to believe because I just had my credit run for a car lease and it's 850. And I have never once carried a balance that I didn't pay off every month.
So I can't imagine what my credit score would be if this is true and I actually carried a balance.
900? 950?
Can't speak for others. I was just told this by a friend that works in the field.
From Bank of America:
https://www.bankofamerica.com/credit-cards/education/5-facts-about-credit-cards.go
Fiction: You must carry a balance on your credit cards to build a credit history.
Fact: You do need to use your credit cards to build a credit history, but that doesn't mean you must carry an unpaid balance. In fact, your best strategy is to use your credit cards and pay off the bill in full each month so you keep your overall debt-to-credit limit low.
3rd party site:
http://www.magnifymoney.com/blog/building-credit/should-you-carry-a-balance-on-a-credit-card
A credit card myth exists in our society simply to befuddle new credit card users. Parents tell children. Friends tell each other. Managers lecture employees. “You should carry a balance on a credit card,” they announce in authoritative voices. “It’s good for your credit,” they proclaim. It’s so common, we’re frequently asked, “should you carry a balance on a credit card?”
NO! They’re wrong. I don’t care if they’re your mother, father, banker, financial advisor, manager or best friend. There is absolutely no need for you to carry a balance on a credit card.
I wish we could go back in time and see who birthed this nasty myth or perhaps uncover some bank-related conspiracy to keep us all in debt. Truthfully, it probably began out of confusion about receiving a statement verse carrying a balance.
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| Posted 12/31/15 10:33 AM |
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soontobemommyof2
My boys...my everything <3
Member since 4/15 3635 total posts
Name:
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Re: Christmas Bills
...and I gotta add, the sarcasm on these boards kills me! Can we do better than that!
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| Posted 12/31/15 10:34 AM |
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DaniJude
You're My Home <3
Member since 11/06 14815 total posts
Name:
Danielle
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Re: Christmas Bills
Posted by soontobemommyof2
...and I gotta add, the sarcasm on these boards kills me! Can we do better than that!
Oh Jesus. This is my fault.
I'm really sorry because I was just getting slap happy here at work on NYE with not much else to do and it was not at all directed at you -- I was just kidding around and I honest to goodness, no snark, apologize if you took it that way because I absolutely did not mean it that way at all.
I also have this ongoing tease with Nell about the term "shit ton" which has nothing to do with nothing.
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| Posted 12/31/15 11:57 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Christmas Bills
Posted by DaniJude
Posted by soontobemommyof2
...and I gotta add, the sarcasm on these boards kills me! Can we do better than that!
Oh Jesus. This is my fault.
I'm really sorry because I was just getting slap happy here at work on NYE with not much else to do and it was not at all directed at you -- I was just kidding around and I honest to goodness, no snark, apologize if you took it that way because I absolutely did not mean it that way at all.
I also have this ongoing tease with Nell about the term "shit ton" which has nothing to do with nothing.
Um yes, it was a joke between Dani and I. No sarcasm intended.
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| Posted 12/31/15 11:58 AM |
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soontobemommyof2
My boys...my everything <3
Member since 4/15 3635 total posts
Name:
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Re: Christmas Bills
Posted by NervousNell
Posted by DaniJude
Posted by soontobemommyof2
...and I gotta add, the sarcasm on these boards kills me! Can we do better than that!
Oh Jesus. This is my fault.
I'm really sorry because I was just getting slap happy here at work on NYE with not much else to do and it was not at all directed at you -- I was just kidding around and I honest to goodness, no snark, apologize if you took it that way because I absolutely did not mean it that way at all.
I also have this ongoing tease with Nell about the term "shit ton" which has nothing to do with nothing.
Um yes, it was a joke between Dani and I. No sarcasm intended.
I was like I thought these girls were cool?!? No worries at all, it's all good 
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| Posted 12/31/15 2:08 PM |
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LSP2005
Bunny kisses are so cute!
Member since 5/05 19461 total posts
Name:
L
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Re: Christmas Bills
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
this is a myth. You should not carry a balance on your card. Whomever told you this did not know what they were talking about. What can help is an installment t loan like a mortgage. That is why it was called "good debt," vs credit card debt, which is "bad debt." I know I have replied to this issue before and it saddens me that this myth is so often repeated.
Message edited 12/31/2015 5:16:00 PM.
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| Posted 12/31/15 5:12 PM |
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JennP
LIF Adult
Member since 10/06 3986 total posts
Name:
Jenn
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Re: Christmas Bills
Posted by LSP2005
Posted by DRMom
And, FYI, carrying a small balance on CC's is better for your credit score than paying in full every month. Weird, but true.
this is a myth. You should not carry a balance on your card. Whomever told you this did not know what they were talking about. What can help is an installment t loan like a mortgage. That is why it was called "good debt," vs credit card debt, which is "bad debt." I know I have replied to this issue before and it saddens me that this myth is so often repeated.
I had actually never heard that advice before I read it on this board although I don't really pay much attention to random financial advice anyway.
It has to be a myth. Why would a credit agency rate someone higher specifically because they couldn't pay their balance off in full? That runs counter to common sense.
While there are certainly phenomena in this world that defy common sense - like Kim Kardashian's fame - I find that in general, if something sounds like BS, it probably is.
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| Posted 1/1/16 11:11 AM |
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