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Viewing profile - Skiwi

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Skiwi
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Joined: Fri Nov 30, 2012 1:32 pm
Last visited: Thu May 02, 2013 3:40 am
Total posts: 9
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 9 Posts / 100.00% of user’s posts ]
Most active topic: What should I do with my old credit card?
[ 6 Posts / 66.67% of user’s posts ]

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Skiwi Posts

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 Forum: Personal Finance   Topic: What should I do with my old credit card?

Posted: Thu May 02, 2013 2:39 am 

Replies: 26
Views: 3821


At this stage I will bow out of the conversation around my situation as it appears you believe you know more about my personal finances than I do, and arguing about it serves no purpose. |( We will have to agree to disagree that using a credit card to build a credit rating is a good thing, and abou...

 Forum: Personal Finance   Topic: When to start establishing credit?

Posted: Tue Dec 18, 2012 10:15 am 

Replies: 13
Views: 1694


IMHO you start establishing credit as soon as you start earning an income. Establishing a good savings history is at least as important, should be the first step, and it will help establish your credit history. Can't help you with the auto finance question as I believe going into debt for consumer i...

 Forum: Personal Finance   Topic: Help! How to keep track of expenses

Posted: Tue Dec 04, 2012 3:30 pm 

Replies: 23
Views: 4467


Agree with practically everything said above, so pick what works for you out of that. :D Personally we use a 10 year old software program called Microsoft Money to track our expenses and forecast account balances etc. you should be able to pick up a copy for $5 or less. It can import records from yo...

 Forum: Personal Finance   Topic: What should I do with my old credit card?

Posted: Tue Dec 04, 2012 3:13 pm 

Replies: 26
Views: 3821


I own my own home, (with a mortgage guaranteed to be .5% lower than the going rate for the next 5 years) Hmm, so you are either not in the US or you have an ARM? If you are not in the US then perhaps things are different. In the US you need good credit to get the best rates and it is almost impossi...

 Forum: Personal Finance   Topic: What should I do with my old credit card?

Posted: Mon Dec 03, 2012 12:29 pm 

Replies: 26
Views: 3821


Have you really been seduced so far by the myth of the need to carry debt on a credit card in order to have a good credit rating that you really believe this? WAKE UP AMERICA! :( Don't confuse carrying a credit card with being credit worthy..... And what things will I miss in life? the joy of a mon...

 Forum: Personal Finance   Topic: Kids and Money

 Post subject: Re: Kids and Money
Posted: Mon Dec 03, 2012 11:12 am 

Replies: 31
Views: 3811


Not sure if it will work for you, but I told my son whatever he had left over at the end of the week I would double and he could keep.. The cunning wee ratbag made sandwiches every day and I had to fork out another $20 :lol:

 Forum: Personal Finance   Topic: What should I do with my old credit card?

Posted: Mon Dec 03, 2012 10:58 am 

Replies: 26
Views: 3821


I'm a little biased as my personal philosophy is I will never have a credit card, so my advice is to get a debit card instead and build up a good history on that. (No fees, no interest, no risk) :D Cheers Skiwi Then you will never own a home, you will pay far more than your peers on insurance, and ...

 Forum: Personal Finance   Topic: What should I do with my old credit card?

Posted: Fri Nov 30, 2012 1:39 pm 

Replies: 26
Views: 3821


Cut it up and cancel it, if your credit score is adversely affected by a $200 credit card, your not in position to borrow money anyhow. I'm a little biased as my personal philosophy is I will never have a credit card, so my advice is to get a debit card instead and build up a good history on that. (...
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