![]() Right now with poor credit you have two options, either you are denied and you go home without the thing you need, or the salesman tells you "no worries, we have just the deal for you" and let's you finance more than you can afford and 20+ percent interest so the company makes money. I'm not saying to blame the schools and parents, I'm saying the situation would be better overall if there was more financial education in schools. I'm saying that the game is set up for consumers to fail so that the company can still make shitloads. ![]() I'm not saying people shouldn't be responsible for their decisions. People need to take responsibility for their decisions. If there's rocks in your bed, you put them there.Įnd of rant. One of my mom's go to sayings, and she had many of them, was:ĭon't come crying to me. I also learned not to blame my mother or anyone else. Was the importance of managing what money I did have. What I was taught, what I learned, growing up the way I did. I'm not sure if my mother made poor financial decisions or if my upbringing was simply the result of menial jobs, no second income, and 5 kids. Guess what? I've never been late on payments, never not paid my bills, never had a repo, and have never filed for bankruptcy. I didn't learn a single good financial mechanism growing up. I moved at the drop of a hat because if no rent money, I lived in the dark because no electricity money, I walked because either no car or no gas money, I went hungry because no food. I was raised dirt poor, one of 5 children, single mother. ![]() My point being people can't go through life blaming. I can save until I have enough to put down so the payment is affordable I can either buy it anyway and post a Reddit thread later It's ripped, torn, falling apart, and it stinks.ĭamn, all the squeezing and I still can't make $300. ![]() My current furniture was used when I got it. Can I squeeze some of my bills to increase my unallocated funds? Do away with emergency fund for a while. An additional payment of $300 is money I don't have. Let me think on this furniture for just a very brief second. I am an adult though and I've seen some things. I know my authority figures or school didn't teach me about finances. You just have to use basic math skills, impulse control, foresight, and goal setting. I'm certain a good number of people that haven't/don't make poor financial decisions grew up with the same lack of financial education and observed poor financial decisions. I was never taught, I learned bad habits from watching bad financial decisions, they don't teach in school. Too often, so many here are quick to blame their parents/upbringing. While I do understand the larger picture here, I will say this: Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future.
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