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Feb 9, 2016
1:55
:41
pm
molodyets
All-American
He did say to work another job if you need to. And before you go looking for
a career change, looking to cut the fat is something you can do today with guaranteed results.
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molodyets
Previous username
patches1391
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molodyets
Joined
Mar 26, 2006
Last login
May 21, 2024
Total posts
43,381 (19,367 FO)
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Messages
Author
Time
Here's a few tips to help anyone get off to a fast start on getting out of debt
Jersey hunter
2/9/16 12:08pm
Agreed - except for 401K contributions where your company matches. If they match
Zenoch
2/9/16 12:18pm
I disagree - but understand that sentiment - if you keep contributing to get
Jersey hunter
2/9/16 12:23pm
Good thoughts. For those that far in debt, it probably does make sense to be so
Zenoch
2/9/16 12:26pm
Key point is that it's only temporary
Jersey hunter
2/9/16 12:40pm
<< Deleted >>
BYUALWAYSNUM1
6/2/17 10:19pm
Many companies allow 401k loans once its vested
Linescratcher
2/9/16 12:29pm
One thing that is weird about me is I spend cash way easier than I use a card
boorad
2/9/16 12:24pm
That is weird. I think the behavioral economics nerds have shown that there is
coucou
2/9/16 12:29pm
I'm the exact opposite...I can hang onto cash much easier because it's sort of a
Wedgetail
2/9/16 12:36pm
I'm the same way as you. Cash burns a hole in my pocket.
PCCoug
2/9/16 12:42pm
So use a debit card - when the money runs out, the card won't work
Jersey hunter
2/9/16 12:45pm
Can't you overdraft with a debit card?
db59840
2/9/16 12:49pm
I despise debit cards.
cheezedawg
2/9/16 1:43pm
Yeah- I wonder if this axiom that people spend more more money with CC is
cheezedawg
2/9/16 1:43pm
From your suggestions it seems the real issue is overspending
korihor
2/9/16 12:39pm
you nailed it - most people would do better financially by focusing more on
Jersey hunter
2/9/16 12:44pm
its the same in business. However, you can't save your way to the top
Nat Gas Man
2/9/16 12:55pm
Wow - I just disagree. Making more money is by far the best way to sure up ones finances. Obviously this entails
HarlemCoug
2/9/16 1:26pm
Maybe so but that's not something most people have much control over
Jersey hunter
2/9/16 1:35pm
again I simply disagree - of course people have control over how much money they make. They control their time. If
HarlemCoug
2/9/16 1:45pm
He did say to work another job if you need to. And before you go looking for
molodyets
2/9/16 1:55pm
He as 1 of 10 that discusses income. If I had a list of 10 items, probably 7 of them would be about increasing revenue.
HarlemCoug
2/9/16 2:02pm
So instead of working on the things that 100% will decrease your debt if you do
molodyets
2/9/16 2:08pm
So lay out for us what the average dude or lady, who is middle age and entrenched in a good, not great, career to do?
TaiJuan
2/9/16 2:09pm
Let's hear your list then
korihor
2/9/16 2:28pm
Until spending habits are brought under control - it doesn't matter how much
Zenoch
2/9/16 2:37pm
Ok - so why don't you see how much more you can make in the next 24 hours and
Jersey hunter
2/9/16 5:28pm
Too many people for some unknown reason to me think that working 40 hours per week will provide a debt free
HarlemCoug
2/9/16 7:58pm
RE: Too many people for some unknown reason to me think that working 40 hours
PCCoug
2/9/16 10:27pm
Wow...you almost convinced me to give up Cougarboard.
buhlcougar
2/9/16 1:40pm
I'd never do that - It's basically free entertainment
Jersey hunter
2/9/16 5:29pm
There was a guy here not too long ago that was arguing vehemently
Litigation Jackson
2/9/16 3:07pm
Agree with everything except for two things
bluebloodedcoug
2/9/16 12:46pm
I only suggest the relative things because I've seen it work - but we share a
Jersey hunter
2/9/16 5:32pm
Consolidate your unsecured credit card debt into your 30 yr mortgage?
Thunder Buddy
2/9/16 2:58pm
don't consolidate just pay it off. Most of the time you will lose money
stonecougar
2/10/16 8:09am
Start with "The Total Money Makeover" by Dave Ramsey
NAFUYB
2/10/16 12:38pm
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