295
submitted 1 year ago by quinnly@lemmy.ml to c/asklemmy@lemmy.ml

I'm in my 30s so I should be used to this by now, but this shit is getting so stressful guys. I have no savings, my checking account is drained every month with rent, and if there's ever a serious emergency I have no safety net, I'm legitimately fucked. I'm one unplanned expense away from absolute ruin. Those in the same boat as me, how do you deal with this?

you are viewing a single comment's thread
view the rest of the comments
[-] Mr_Blott@feddit.uk 2 points 1 year ago

Ignore 5, OP. As described, it's exactly the trap the credit card companies want you to fall into, and you're susceptible at the mo.

I've never had one, don't know anyone that has one. There's nothing you can buy with it safely that can't wait without getting in debt, no matter how short a timescale

[-] Coskii@lemmy.blahaj.zone 1 points 1 year ago

It's listed as risky for a reason. The thing the credit card companies want is for you to overspend, or buy something beyond your means that will take you awhile to pay back so they can make interest money. The way in which people can benefit from is purely by making it a stepping stone payment system. Never spend money you don't have and just keep it purely for earning points.

[-] Mr_Blott@feddit.uk 2 points 1 year ago

That's why I said it's really bad advice for OP

this post was submitted on 01 Sep 2023
295 points (97.1% liked)

Asklemmy

43912 readers
850 users here now

A loosely moderated place to ask open-ended questions

Search asklemmy ๐Ÿ”

If your post meets the following criteria, it's welcome here!

  1. Open-ended question
  2. Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
  3. Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
  4. Not ad nauseam inducing: please make sure it is a question that would be new to most members
  5. An actual topic of discussion

Looking for support?

Looking for a community?

~Icon~ ~by~ ~@Double_A@discuss.tchncs.de~

founded 5 years ago
MODERATORS