themitchyone 0 #26 February 14, 2004 Mine has Perris Valley Skydiving listed a few times too many. I'm so bad. "If the Bible has taught us nothing else, and it hasn't, it's that girls should stick to girl's sports such as hot oil wrestling and foxy boxing." - Homer Simpson Quote Share this post Link to post Share on other sites
PhreeZone 20 #27 February 14, 2004 Establishing your own credit history is important for a lot of reasons not including having a short line of history at time for car loans or home loans usualyl results in slightly higher interst rates. Risk points on a credit score are not caused just by bad debt, but by no debt history also. Go work with a bank to get a credit card with a fixed low limit. Use it and pay it off. I've seen limits as low as $250, you don't have to use it all either. Buy dinner one night and thats on your way to getting credit histoy built up.Yesterday is history And tomorrow is a mystery Parachutemanuals.com Quote Share this post Link to post Share on other sites
Aviatrr 0 #28 February 14, 2004 Quotethats what a Visa Check card is for. It acts like a CC but if you don't have the money you can't buy shit. Here's the problem with that. If somebody dupes your card, and starts making charges on it....you are out that money while they company "investigates" to see if it was actually you that made the charges or not. If it's a credit card, you're not out the money....you just don't have the credit amount available - which is not a big deal. A co-worker of mine had his debit card duped. He had a bit over $5,000 in his account one day, and two days later it was down to less than $100. It took 2 weeks to rectify the problem(he had to "prove" that it was not him that made the charges), but in the meantime, he was out the money - which was supposed to cover all his bills including mortgage and car payments. All the checks bounced. The policy on this type of thing may vary bank to bank...so check with your bank on their policy. Mike Quote Share this post Link to post Share on other sites
Gawain 0 #29 February 14, 2004 QuoteI don't have a single credit card, those things are the fucking devil. I know i have horrible spending habbits and i just don't trust myself. Same here. No credit cards. Unsecured debt = $0.00So I try and I scream and I beg and I sigh Just to prove I'm alive, and it's alright 'Cause tonight there's a way I'll make light of my treacherous life Make light! Quote Share this post Link to post Share on other sites
Ncrowe 0 #30 February 14, 2004 QuoteQuoteno, Bobby Buechet......Foozball is da Devil! Love, Mamma (The water boy) ($11,000 in gear alone) here is a funny storry about foozball. last night i kinda got a little trashed... we were playing foozball and i guess (don't remember) i fell down and was laughing. well my friend went to spin the last bar on his end and ya know how they sitck out onto the other end. It hit me in the eye, split my eyebrow open and kinda stunned me on the floor for bit. i got up, laughed a bit more and then a guy came up to me and was freaking out because i had blood running down my face. i have about an inch gash and a swollen eye now because i got into a barfight with a foozball table lol Anyone who "spins" when playing foosball doesn't deserve to play :P :) "Don't Mess Around With the Guy in Shades- Oh No!!! " Quote Share this post Link to post Share on other sites
racer42 0 #31 February 14, 2004 Why would I look at my credit bill. I jusy know to send them at least a $100.00/month to keep up.L.A.S.T. #24 Co-Founder Biscuit Brothers Freefly Team Electric Toaster #3 Co-Founder Team Non Sequitor Co-Founder Team Happy Sock Quote Share this post Link to post Share on other sites
Shawndiver 0 #32 February 14, 2004 Don't owe anybody anything except for my mortgage company, but I've only got 17 more years to go on that!!Shawn_________________ Quote Share this post Link to post Share on other sites
CanuckInUSA 0 #33 February 14, 2004 Historically my debts have always been low and often paid that month. But I kind of went crazy buying gear this last month (and I still haven't ordered a wingsuit yet). So I expect a big bill next month. But as long as I stay employed, it'll be paid off soon. Try not to worry about the things you have no control over Quote Share this post Link to post Share on other sites
stoneycase 0 #34 February 14, 2004 Just finished paying for new rig (used main, no cypres). Also: 3 Tandems, 8 Student Jumps (failed level 3), 13 more "certification and training" jumps, 86 more fun jumps, helmet, googles, gloves, FF pants, Alti3, and Protrack. At one point the Visa said $6K+. Woohoo, let's go get some beer. /dreams of money for FF camps and tunnel time... resist...resist...resistDoes whisky count as beer? - Homer There's no justice like angry mob justice. - Skinner Be careful. There's a limited future in low pulls - JohnMitchell Quote Share this post Link to post Share on other sites
VisionAir 0 #35 February 14, 2004 Funny this comes up...I just added mine all up...From what I see this should make all of you feel better. 7 cards total $57,964.26 Time for a debt consolidation plan. Least I don't have to worry about getting duped...they're all maxed out Huh?!? What cloud?!? Oh that!!! That's just Industrial Haze Alex M. Quote Share this post Link to post Share on other sites
damion75 0 #36 February 14, 2004 Dude, that's what operational tours are for! Try six months without anywhere to spend any money, no access to alcohol, no DZ, very few women to chat up and nowhere to take them to dinner... you can see how that sorts all your cash flow problems! Baghdad - the holiday of a lifetime...*************** Not one shred of evidence supports the theory that life is serious - look at the platypus. Quote Share this post Link to post Share on other sites
Viking 0 #37 February 14, 2004 wow Six months back pay!! thats a good chunk of change man!I swear you must have footprints on the back of your helmet - chicagoskydiver My God has a bigger dick than your god -George Carlin Quote Share this post Link to post Share on other sites
KawiZX900 0 #38 February 14, 2004 I'm about 20G in the hole 5 of that on credit cards... I just ignore them when they call. I've gotten tired of telling them when I can't pay the bills. I may be making rent this month though..... Accelerate hard to get them looking, then slam on the fronts and rollright beside the car, hanging the back wheel at eye level for a few seconds. Guaranteed reaction- Dave Sonsky Quote Share this post Link to post Share on other sites
skybytch 273 #39 February 14, 2004 Quoteadd up what all you've spent skydivnig so far I try not to think about that. . . but I'm sure it's well over the cost of a really, really nice new car by now. Wouldn't trade what the money went to for anything else, no matter how nice. Quote Share this post Link to post Share on other sites EdC 0 #40 February 14, 2004 17K +/-. Big Ed Quote Share this post Link to post Share on other sites skymama 37 #41 February 14, 2004 Arthur, take Phree's advice and get a credit card with a low limit, and learn to use it and pay it off. Finance companies want to know that you know how to control your finances, and they look at that kind of stuff on your credit report. Someday you're going to want a nice car, house, whatever and you're going to need a credit history. For example, if you want to get a house, you can avoid a typical 10% down payment with a conventional loan by getting a 3% down FHA loan with the government. You have to have a high credit rating to get that though (and there is a limit to how much the house can cost). As you're going through your 20's, keep this in the back of your mind. There are a lot of costs associated with home ownership that you can write off on your taxes, which you can't do if you are a renter. Plus, real estate usually has a good rate of return on investment. I got an FHA loan with the house I'm currently in. I have 400 more sq.ft. than the apartment we were living in, and my payments are only $50/month more. It's worth it to plan for the future. She is Da Man, and you better not mess with Da Man, because she will lay some keepdown on you faster than, well, really fast. ~Billvon Quote Share this post Link to post Share on other sites sdgregory 0 #42 February 14, 2004 I just paid mine off (both of them) yesterday and I paid a little too much on one and they called and said that I cannot overpay my account or they will put a freeze on it and I won't be able to use it until the overpay is eaten up. What the shit is that? How can I make it go down if I cannot charge to it? And who ever heard of a company getting pissed off if you pay too much? Guess they really want that interest. Quote Share this post Link to post Share on other sites sdgregory 0 #43 February 14, 2004 Listen to Phree and Skymama. There is no reason you cannot have a low limit credit card to establish a good credit history. I use mine to buy my gas and then pay it off at the end of month when the bill comes. (Except the past month I have used them to buy gear but I paid them off again.) This will establish good credit and you are only spending it on what you would have spent cash on already. AS long as you do not go and spend the actuall cash and just use it to pay the card you will have no problem. Of course by doing this they will start increasing your credit very rapidly after about six months. You can just refuse the credit increase and keep your low limit thereby keeping yourself out of trouble. You will need that credit established when it comes to time to buy a house or a car. I understand your fear of going crazy with credit. I did in my 20's and it has taken me 10 years to recover financially. I learned the hard way how to take care of my credit. Establishing good credit can be done with small limit credit cards and that will keep you out of trouble. Quote Share this post Link to post Share on other sites TXBLKBEAR 0 #44 February 14, 2004 All of you that use credit cards to buy gear and other skydiving equipment are childish and irresponsible. You should all grow up and be more responsible! I would never have a problem like credit card debt for something as unimportant as fun gear. I have 3 kids and a wife to think about. Your all crazy!!! WHAT I do is....... Use my PAY CHECK to buy the gear I want..... You credit hounds ever think of that? Then..... I use my CREDIT CARDS to pay for Mortgage, food, electric, gas, insurance, phone bill, cable bill and important stuff like that. You guys have got to get your priorities straight and spending habits under control like me. Airborne! Quote Share this post Link to post Share on other sites Brains 2 #45 February 14, 2004 Everyone should read skymama's post. I bought my second house a little over a year ago. That is the only debt i have. Credit cards are paid off, (3) and other than christmas time, they are paid off every month. Oh and gear, Had two rigs now only one. Two rw suits, two full face helmets, one open face ff helmet, two camera helmets, two pairs ff pants, one ff suit, 600+ jumps, tandem cert course, coach course, I don't even want to know how much i have spent total. Never look down on someone, unless they are going down on you. Quote Share this post Link to post Share on other sites TribalTalon 0 #46 February 14, 2004 LOL!! actually, i blew all of my cash on skydiving too last month, had to use my credit card to pay my rent and all the bills. whooooops. Quote Share this post Link to post Share on other sites TribalTalon 0 #47 February 14, 2004 and now add more cuz i just bought a cypress (for 265 bucks, not a bad deal methinks, even though it completely expires in 2 years.) Quote Share this post Link to post Share on other sites atsaubrey 0 #48 February 14, 2004 I'll make you all feel better. Me and a co-worker were talking about this on tuesday. I'm in over my head at just over $436,000, when you figure everything I have on credit. uuuggghhh!"GOT LEAD?" Quote Share this post Link to post Share on other sites PhillyKev 0 #49 February 14, 2004 Zilch...zero...ok, maybe a couple hundred bucks, but I pay it off every month. I used to have horrendous credit, at one point, I couldn't even finance a new mattress. After years of making sure I pay my bills on time, got out of that hole, paid off all my debt except my car payment. Was planning on paying that off this month, but now I need to keep my money for legal fees. Best thing I ever did was get MS Money. I was completely sporadic about paying bills and had no kind of budget at all. It takes a couple months of faithfully entering everything in there but once you get it rolling, you spend about 10 minutes a week paying all your bills, balancing your check book, and seeing how much availble spending money you have for the next month. I highly recommend it or something similar. Quote Share this post Link to post Share on other sites weirdchris 0 #50 February 14, 2004 As of two days ago the balance of $0.00. Time to rack it back up. Any suggetsions on good purchases? Quote Share this post Link to post Share on other sites Prev 1 2 3 Next Page 2 of 3 Join the conversation You can post now and register later. If you have an account, sign in now to post with your account. Note: Your post will require moderator approval before it will be visible. Reply to this topic... × Pasted as rich text. Paste as plain text instead Only 75 emoji are allowed. × Your link has been automatically embedded. Display as a link instead × Your previous content has been restored. 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skymama 37 #41 February 14, 2004 Arthur, take Phree's advice and get a credit card with a low limit, and learn to use it and pay it off. Finance companies want to know that you know how to control your finances, and they look at that kind of stuff on your credit report. Someday you're going to want a nice car, house, whatever and you're going to need a credit history. For example, if you want to get a house, you can avoid a typical 10% down payment with a conventional loan by getting a 3% down FHA loan with the government. You have to have a high credit rating to get that though (and there is a limit to how much the house can cost). As you're going through your 20's, keep this in the back of your mind. There are a lot of costs associated with home ownership that you can write off on your taxes, which you can't do if you are a renter. Plus, real estate usually has a good rate of return on investment. I got an FHA loan with the house I'm currently in. I have 400 more sq.ft. than the apartment we were living in, and my payments are only $50/month more. It's worth it to plan for the future. She is Da Man, and you better not mess with Da Man, because she will lay some keepdown on you faster than, well, really fast. ~Billvon Quote Share this post Link to post Share on other sites
sdgregory 0 #42 February 14, 2004 I just paid mine off (both of them) yesterday and I paid a little too much on one and they called and said that I cannot overpay my account or they will put a freeze on it and I won't be able to use it until the overpay is eaten up. What the shit is that? How can I make it go down if I cannot charge to it? And who ever heard of a company getting pissed off if you pay too much? Guess they really want that interest. Quote Share this post Link to post Share on other sites
sdgregory 0 #43 February 14, 2004 Listen to Phree and Skymama. There is no reason you cannot have a low limit credit card to establish a good credit history. I use mine to buy my gas and then pay it off at the end of month when the bill comes. (Except the past month I have used them to buy gear but I paid them off again.) This will establish good credit and you are only spending it on what you would have spent cash on already. AS long as you do not go and spend the actuall cash and just use it to pay the card you will have no problem. Of course by doing this they will start increasing your credit very rapidly after about six months. You can just refuse the credit increase and keep your low limit thereby keeping yourself out of trouble. You will need that credit established when it comes to time to buy a house or a car. I understand your fear of going crazy with credit. I did in my 20's and it has taken me 10 years to recover financially. I learned the hard way how to take care of my credit. Establishing good credit can be done with small limit credit cards and that will keep you out of trouble. Quote Share this post Link to post Share on other sites
TXBLKBEAR 0 #44 February 14, 2004 All of you that use credit cards to buy gear and other skydiving equipment are childish and irresponsible. You should all grow up and be more responsible! I would never have a problem like credit card debt for something as unimportant as fun gear. I have 3 kids and a wife to think about. Your all crazy!!! WHAT I do is....... Use my PAY CHECK to buy the gear I want..... You credit hounds ever think of that? Then..... I use my CREDIT CARDS to pay for Mortgage, food, electric, gas, insurance, phone bill, cable bill and important stuff like that. You guys have got to get your priorities straight and spending habits under control like me. Airborne! Quote Share this post Link to post Share on other sites
Brains 2 #45 February 14, 2004 Everyone should read skymama's post. I bought my second house a little over a year ago. That is the only debt i have. Credit cards are paid off, (3) and other than christmas time, they are paid off every month. Oh and gear, Had two rigs now only one. Two rw suits, two full face helmets, one open face ff helmet, two camera helmets, two pairs ff pants, one ff suit, 600+ jumps, tandem cert course, coach course, I don't even want to know how much i have spent total. Never look down on someone, unless they are going down on you. Quote Share this post Link to post Share on other sites
TribalTalon 0 #46 February 14, 2004 LOL!! actually, i blew all of my cash on skydiving too last month, had to use my credit card to pay my rent and all the bills. whooooops. Quote Share this post Link to post Share on other sites
TribalTalon 0 #47 February 14, 2004 and now add more cuz i just bought a cypress (for 265 bucks, not a bad deal methinks, even though it completely expires in 2 years.) Quote Share this post Link to post Share on other sites
atsaubrey 0 #48 February 14, 2004 I'll make you all feel better. Me and a co-worker were talking about this on tuesday. I'm in over my head at just over $436,000, when you figure everything I have on credit. uuuggghhh!"GOT LEAD?" Quote Share this post Link to post Share on other sites
PhillyKev 0 #49 February 14, 2004 Zilch...zero...ok, maybe a couple hundred bucks, but I pay it off every month. I used to have horrendous credit, at one point, I couldn't even finance a new mattress. After years of making sure I pay my bills on time, got out of that hole, paid off all my debt except my car payment. Was planning on paying that off this month, but now I need to keep my money for legal fees. Best thing I ever did was get MS Money. I was completely sporadic about paying bills and had no kind of budget at all. It takes a couple months of faithfully entering everything in there but once you get it rolling, you spend about 10 minutes a week paying all your bills, balancing your check book, and seeing how much availble spending money you have for the next month. I highly recommend it or something similar. Quote Share this post Link to post Share on other sites
weirdchris 0 #50 February 14, 2004 As of two days ago the balance of $0.00. Time to rack it back up. Any suggetsions on good purchases? Quote Share this post Link to post Share on other sites
