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Early_To_Risa@sh.itjust.works

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Anon tries to understand credit scores (sh.itjust.works)

submitted 15 hours ago by Early_To_Risa@sh.itjust.works to c/greentext@sh.itjust.works

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[–] ryathal@sh.itjust.works 4 points 5 hours ago (2 children)

For the vast majority of people the only debt they should ever get is a house.

[–] KoalaUnknown@lemmy.world 3 points 2 hours ago (1 children)

The average person does not have to financial means to pay for a car or school without loans.

[–] ryathal@sh.itjust.works 1 points 1 hour ago (1 children)

A car is absolutely doable without financing l. It's a poverty trap to finance a car. What you can't do is have a brand new car.

[–] phlegmy@sh.itjust.works 1 points 20 seconds ago

Same with phones. Buy a second-hand flagship from a couple of years ago (eg pixel 8), and use a pre-paid plan.

It's not just a few hundred dollars saved on the phone, it's also a few hundred per year on less overpriced contracts.

Prepaid plans have to be more competitively priced because you can switch at will.

[–] Korhaka@sopuli.xyz 2 points 2 hours ago

That is what I have done, I don't like that debt either and some cunt at the bank getting 2/3rds of my housing expenses is only slightly better than a wanker of a landlord getting all of it.