#building credit history
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Unveiling Credit Cards and Their Impact on Your Credit Score and Loan Approval Success in 2024
Credit cards are a cornerstone of modern personal finance. While they offer rewards, convenience, and the ability to manage cash flow, their usage can directly impact your credit score and determine your loan eligibility. Understanding this dynamic is essential for anyone aiming to build a robust financial profile. In this article, we provide a comprehensive guide on how credit card management…
#payment history#credit card impact#building credit history#credit report#credit card management#loan approvals#credit mix#credit card mistakes#personal finance tips#credit card usage#responsible credit management#credit profile#interest rates#Credit Cards#Credit Utilization#Credit Card Rewards#loan amounts#Loan Eligibility#financial responsibility#credit score#loan terms
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immensely adore how much qsmp opens old wounds i love you oi queridinho i love you ‘i’m used to joining in the middle of wars’ i love you purgatory elytra i love you eggpire references i love you obsidian sleeping box i love you ‘i feel like in a past life we would have been enemies’ i love you
#eleanor.txt#qsmp#there’s definitely a lot more that i’m forgetting / aren’t as concise#cellbit saying he got foolish to build him a castle and he took credit for it and tubbo saying ‘i think i did that once’#each character has such a rich history and i eat UP self referential material#‘self’ referential. anyway i eat it UP every time
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Aesthetic photos from a Poe themed museum.
#edgar allan poe#aesthetic#gothic#dark academia#academia#dark#moody#photos#vibes#cat#black cat#poe#literature#poetry#museum#horror#gothic horror#naturecore#summer#old building#american history#the raven#photo credits to my mom for taking a picture of me lol
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so i definitely want to ask about Malachi's handwriting. and also! thinking about signatures made me think about credit cards which leads me to ask : after rent and groceries, what does Malachi spend the most money on? What does he think about saving up for, if he thinks about that at all?
This is the ask that actually made me Google how much the average LAPD officer gets paid. (Defund the poliiiiiiice ✨)
Anyway Mal’s handwriting is #bad, and he stashes all his extra income in a savings account that is making, like, 0.02% interest and he does not think about it at all, which I imagine drives Jan insane. His car is a money pit, but I feel like it's a death-by-a-thousand-cuts situation. He never has to stop and save up for whatever part or tool he needs, but the project is just never done.
I think he spends a decent amount on restaurants, too. But I don't think he has any concrete financial goals. That'd require him to think about the future more than he does. Paul should maybe talk to him more about that sort of thing.
Same question about money spending back @ Jan, because it's a good one. 👀
#adding this one to the JanMal pile#Mal-core#I think someone had to sit Mal down at some point and explain to him that he needs to build up a credit history to. like. do things.#in his ideal world he'd just pay for everything with cash/debit and only have one account to keep track of#I don't think he's bad with money I just think he's perfectly happy with his current financial situation#and he's bad at setting goals in general
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Applying to an apartment with little income and terrible credit score, in hopes that they'll be desperate enough to take me
#im not even getting my hopes up for this one folks#but this same company rook me when i had no rental history so maybe?#unlikely for the aforementioned piss poor income and credit score#im just praying they remember me feom when i used to rent from them and liked me enough then to take me again#the bathroom is not in the apartment btw#that's the wildest thing. like its a basic studio with a kitchen closet and main area#but you have to go across the hall. to the private bathroom#im hoping they realize that thats wild and give me the apartment#i neeeeed to leave my parents house. and i really miss that city the apartment is in#i wish there was a little essay section where i could tell the landlord how much i like the city#and that ill get a better job once i live there and my parents are going to pay my first month and security deposit#that would be nice#i applied knowing that i won't get it but also knowing that i cant get it if i dont try#mostly i just miss that city#there was a really nice coffee shop within walking distance of my apartment#(the apartment i applied to is next door to the building i used to live in so same area which is great)#but i didnt have wifi so i would go there a lot to do work. it was so cozy in the winter especially#and i went on a lot of walks. so i wiuld swing by there and grab a drink to sip on my walk#and it was literally within sight of a great lake. a literal great lakw of Michigan lol#i loved walking along the lake on a nice day. or a windy day and just watch the waves crash#and my favorite band is feom that city so i got to see so many of their performances. and theyre a small band so the most i ever paid#was $50 and that was for the vip package. i saw them for $10 once. and free once. and $50 for the vip#its a big art and music city and i love it so much. i miss it so fucking much and i regret leaving#but at least it made me realize that no other city is for me. that city is my home#oh and it was literally right next to a bug beautiful library that i loved to wander. i still have my library card from there#mostly used it to print stuff and you have to pay at the box next to the printer. and one time i forgot to pay. i still feel bad about that#but i dont want to reminisce too much cuz i know i wont get it#im trying to pay off my credit cards to bring up my credit score but its slow going#its much nearer my gf and all my friends so i would love to live near them. rn im hours away from about everyone i love#i ran out of tags. maybe pray for me if you pray? or just hope for me. i dont want to let myself want this but its there
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Hello brilliant and well knowledgeable ladies of finances! I'm looking to get my first credit card and was wondering what you suggest for someone who currently has no credit history to get started on? Thank you for your time and hope you're doing well!
Hello my dear! Here's what we suggest:
How to Build Good Credit Without Going Into Debt
A Hand-holding Guide To Getting Your First Credit Card
Did we just help you out? Join us on our Patreon!
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also i'm soooo brave guess who got a credit card and has actually used it to make a purchase, very beautiful very powerful 💪
#guys will spend their 'formative' years being so ill in various ways and not learning to do ~responsible adult~ stuff#and then face the consequences by getting refused credit as a late 20s year old because they were too sick to be building a credit history✌#now i am learning how to Do That as a disabled and unemployed person. spoilers the world does not want you to it seems!#thank you to my friends (and family but they're not here :P) for helping me work out what on earth i am meant to be doing. i am LEARNING!#wish it felt like society as a whole wanted disabled people who can't work to be able to like. exist like other people and be#allowed to do stuff but despite the issues (systemic ableism etc i guess) we are doing it anyway!#this 'basic' thing is a cause for great celebration to me :P and so so scary. BUT gotta do it anyway! disabled people are allowed futures!#YIPPEE
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guysss im so excited 2 live on my own. well im scared but im wxciteddd
#i need t get a credit card so i cn start building credit im sort of terrified in many ways abt trying 2 get an apt 😭😭😭#bc usually you have to have a credit score which i dont ... hopefully likee. since rn my ermm ermm ermmmm. we pay rent on time#so hopefully my previous renting history will ve good. theres pnly one but like yk...
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#this is why you don't buy shit on credit #the likelihood of it financially destroying you is high
I'm sorry, but that is absolutely the wrong take in response to this.
Buying on credit is not the problem; in fact, in many cases, it's the only way to do something. Think about buying a house; most people don't exactly have the cash to buy outright! Oftentimes buying a car, or furniture, is the same kettle of fish. Heck, that's how I bought my furniture! 12-months no interest, yes please!
The problem comes when you lose track of how much you have bought on credit--and you can lose track of how much you've bought just as easily with a checkbook as you can with a credit card or loans.
When I bought my furniture on 12-month no-interest financing, I made damn sure that I wasn't committing to more than I knew I could pay in a month, and I kept track to make sure that I had it paid off before the promotional period ended. And look! No problems!
The people the above person is talking about have purchased much, much more than they can conceivably pay off independently. That is the issue with that scenario. They've spent more on transportation than I spent on my house, given the economic bracket he's describing they probably spent a minimum of $350k on the house and that's in my incredibly low cost-of-living area--on the coasts who knows how much it would be--and they have more on their credit cards than I spent on my car.
So yes, they have a problem with finances--but the problem isn't the existence of credit. The problem is the absence of accountability. After all, I, too, have a car loan, a house loan, and credit cards; the difference is, I live within my means.
#also#at least in the US#you CANNOT build your credit without HAVING CREDIT HISTORY#which means that saying 'oh no credit cards' does NOTHING to help people long-term#the key is PROPERLY MANAGED CREDIT CARDS#is this a pet peeve? yes#sorry Kuro I still love you#you did not know you were unlocking my vent valve#...technically I no longer have a car loan#I paid that bitch off#but being able to get a car loan in the first place is the reason I don't need to replace my car now
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Fintechzoom Credit Cards: A Game-Changer for Modern Financial Management
When I first started exploring credit card options, I was overwhelmed by the sheer number of choices available. Traditional banks offered the usual benefits, but I was looking for something more tailored to my needs. That’s when I came across Fintech Choosing the right credit card is a key step in managing your personal finances, especially with the vast array of options available today. Whether…
#Beginner Credit Cards#Best Starter Credit Cards#Cred.Ai Unicorn Card#Credit Building#credit card comparison#credit card for beginners#credit card rewards#credit history#credit management#financial education#fintech credit cards#Fintechzoom Credit Cards#investment integration#M1 Owner’s Reward Card#no annual fee credit cards#personal finance#Petal 2 Visa Credit Card#Secured Chime Credit Builder#secured credit cards#Self-Secured Visa#SoFi Credit Card#Upgrade Cash Rewards Visa
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Business Loan Or Business Closure - You Decide
Table of Contents The Pros and Cons of Taking a Business Loan The Pros and Cons of Taking a Business Loan Business Loan Or Business Closure – You Decide Starting and running a business is no easy task. It requires dedication, hard work, and most importantly, financial resources. However, there may come a time when your business needs an injection of cash to keep it afloat or to take it to the…
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#a business loan#access funds quickly#beneficial#build credit#business decisions#cash flow#clear vision#complete autonomy#favorable financing options#financial crisis#financial resources#full ownership#injection of cash#investors#necessary funds#positive credit history#running a business#sources of financing#your business#your loan
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Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow.
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Exploring Belgium: A Comprehensive Travel Guide
Belgium, a charming country nestled in Western Europe, offers a rich tapestry of history, culture, and modernity. This guide will take you through Belgium’s history, colonial past, political landscape, education system, and practical travel information, ensuring a delightful and informed visit. A Brief History of Belgium Belgium’s history is a blend of influences from Roman times to modern-day…
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#a charming country nestled in Western Europe#accommodation#adventure#africa#among other religious communities. Food and Culture Belgium’s cuisine is famous for waffles#and a variety of local beers. Belgium offers a unique blend of history#and Antwerp International Airport (ANR). The country has an excellent public transportation system#and beer. Cultural influences are diverse#and buses. Roads The road infrastructure is well-developed#and French. Belgium gained independence from the Netherlands in 1830#and German in a small eastern region. Is Belgium expensive to visit? Belgium can be pricey#and German). Festivals#and German. Dutch is predominant in Flanders#and historical buildings. Ghent: Famous for its medieval architecture and vibrant cultural scene. Antwerp: Renowned for its diamond district#and major credit cards are widely accepted. Top Places to Visit Brussels: The capital city#and Manneken Pis. Bruges: A picturesque medieval city with canals#and many other countries can enter Belgium visa-free for short stays. Others may need a Schengen visa. The currency is the Euro (EUR)#and modern attractions#and modernity. This guide will take you through Belgium’s history#and music play significant roles in Belgian culture. FAQs about Belgium What languages are spoken in Belgium? Belgium has three official lan#and numerous tours offer tastings and factory visits. Beer Tours: Belgian beer is world-renowned#and practical travel information#and road conditions are generally good. Religion Belgium is predominantly Roman Catholic#and the Brussels-Capital Region. The political landscape is complex#and the stunning Cathedral of Our Lady. Leuven: A lively university town with rich historical sites. Activities for Tourists Chocolate Tasti#and transportation can be expensive#art#Atomium#Austrian#be aware of pickpockets and avoid less-populated areas at night. Accommodation Affordability Belgium offers a range of accommodation options
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The Ghost sucks at haunting.
Tim is annoyed, he moved in a new apartment. And it's hunted, he could possible deal with that, but this ghost must be the worst poltergeist in history.
He doesn't let books fly around. He usually tries to read them and gets angry. When the books get to complicated. Then he throws them.
Plus point for not throwing Tim's comic.
Does not let's plates and stuff flow around, just brings them in Tim's room when he didn't clean them.
Except for the time Tim got hurt on patrol and was really tired, the ghost did them himself.
Sometimes makes strange noise. Nothing creepy just strange. Turns out sometimes Tim just hears him play with something. Most of the time self build rockets.
Ghost doest not attack his gaming equipment. He plays with them while Tim is out. This ghost even made his own saves.
He named his save files: totally not a ghost.
He took Tim's credit card and made an subscription to a space magazine.
Tim is pretty sure that's one of the worst ghost ever. It's just a roommate who doesn't pay rent and borrows all your stuff without asking.
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old lady group was so good :3 learned a couple more ladies names and i ALMOST finished my scarf, I just have to finish the edge of one side and then I'm done it WOOOOO I'll make sure to show once its complete !!!
#also learned a lot about safety deposit box legalities and credit after retirement LMAO#its fun though dhdksl i love listening and learning and also hearing abt this town's history since most of them have lived here forever#one of the ladies remembers the 50s and 60s in town !!! that's so crazy to me !!! i love it !!!#and i saw a guy walking outside who had the same build + height as Guz and also he had a black hoodie on and i had to do a double take LMAO#OVERALL A RLY GOOD TIME YAY !!! :D#dandy.cmd
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my dumbass really had to have ambitions and now i’m out here taking classes at two universities at once to try and transfer to a THIRD BETTER ONE
#what is this pyramid scheme bullshit#wanna study architecture but i can’t even build myself out of this stupid fucking hole i dug#help i’m stuck#bukdng#college#why credits no count for credits????#why ucla no want my silly liberal arts credits???#miette took history of sex in the us but ucla is homophobic
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