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Malcolm XML posted:gently caress no cashback for life yeah this, no min/maxing required now, otoh, getting the most out of the shopper's drug mart optimum reward program requires some mad min/maxing skill, yo quote:It’s not often that you will see me buying a cart full of groceries at Shoppers Drug Mart (the store is WAY overpriced for most things), but when you do, I have a very good reason for it. That reason is likely because I am getting a boatload of Shoppers Optimum Reward points for buying a whole whack of stuff (or, I’m redeeming those points for a ton of free goodies). ur welcome
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# ? Aug 6, 2014 12:55 |
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# ? Apr 29, 2024 02:23 |
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if you dont just get a cashback credit card then i just dont know what to tell you.
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# ? Aug 6, 2014 13:55 |
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Sagebrush posted:i get so loving much junk mail from amex, discover and chase it's ridiculous. at least one offer per week. u can stop this btw... https://www.optoutprescreen.com/
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# ? Aug 6, 2014 14:52 |
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WHAT A GOOD DOG posted:if you dont just get a cashback credit card then i just dont know what to tell you. smae
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# ? Aug 6, 2014 14:52 |
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couponing is the ultimate expression of middle class poverty
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# ? Aug 6, 2014 15:01 |
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my stepdads beer posted:do you guys really min/max your lives with credit card reward schemes i signed up for 4 credit cards and now have 96000 aeroplan miles, enough for 2 people to goto Hawaii, but it annoying signing up, spending the minimum to get a bonus and cancling the card before you pay the annual fee from here on out it cash back only
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# ? Aug 6, 2014 15:20 |
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lol if ur credit score is less than 750
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# ? Aug 6, 2014 15:21 |
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Malcolm XML posted:couponing is the ultimate expression of middle class poverty
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# ? Aug 6, 2014 15:33 |
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Egan Yardley posted:lol if ur credit score is less than 750 lol
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# ? Aug 6, 2014 15:33 |
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Egan Yardley posted:lol if ur credit score is less than 750 i just bought a house so my credit score is probably now like.. 12
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# ? Aug 6, 2014 15:54 |
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it was >700 before tho!!!
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# ? Aug 6, 2014 15:55 |
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as long as you're paying your mortgage on time it has probably actually improved your credit score
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# ? Aug 6, 2014 16:23 |
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I have absolutely awful credit and nobody will ever loan us money again in my entire life, it sucks but i have figured out how to get by
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# ? Aug 6, 2014 16:35 |
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Jonny 290 posted:I have absolutely awful credit and nobody will ever loan us money again in my entire life, it sucks but i have figured out how to get by with these two cats one haus bus and this one weird tip
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# ? Aug 6, 2014 16:36 |
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yeah having long-term debt is really good for your credit score as long as you're paying it off. im pretty sure your score takes a hit when you do actually pay off a long-term loan. it really irks me that as an adult i have to play this stupid credit score game where the rules are unintuitive, contradictory, and constantly changing, and the score is mostly hiddenMigishu posted:so are all those tap2pay bullshit things still horribly insecure and easy for scimmers to set up and steal all your information or did they actually find a way to secure it? as a card holder i don't really care at all. as long as the credit card companies hold the liability convenience will always beat security
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# ? Aug 6, 2014 16:38 |
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pram posted:wtf is up with discover? what a fail card
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# ? Aug 6, 2014 16:38 |
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Jonny 290 posted:I have absolutely awful credit and nobody will ever loan us money again in my entire life, it sucks but i have figured out how to get by you could do what my mom did and declare bankruptcy literally a day after she pays you back and you get sued by the bankruptcy trustee because apparently that's an easy way to gently caress someone over easiest way to lose 6k ever
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# ? Aug 6, 2014 16:42 |
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easy solution don't care about credit pay with the money you have
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# ? Aug 6, 2014 16:42 |
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Jonny 290 posted:I have absolutely awful credit and nobody will ever loan us money again in my entire life, it sucks but i have figured out how to get by same had some problems back in the day with credit cards and impulse control and forgetting to pay bills and not having enough money
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# ? Aug 6, 2014 16:42 |
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Jonny 290 posted:I have absolutely awful credit and nobody will ever loan us money again in my entire life, it sucks but i have figured out how to get by are you making a lot more money than you did in arkansas? because they'll overlook a lot once you're making stacks and paying your bills on time for a year or so
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# ? Aug 6, 2014 17:19 |
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btw i just logged in to discover the other day and they appear to be offering your fico credit score for free now
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# ? Aug 6, 2014 18:11 |
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Bloody posted:easy solution don't care about credit pay with the money you have thats cool until u want to buy something really big
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# ? Aug 6, 2014 18:14 |
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yeah like what oh, a house? lmao no thanks
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# ? Aug 6, 2014 18:16 |
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I'm amazed at the average persons credit card debt. actually no I'm not people are retarded.
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# ? Aug 6, 2014 18:26 |
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Cold on a Cob posted:are you making a lot more money than you did in arkansas? im making over twice what i was 4 years ago, and 3 times what i was making 5 years ago. I have gone up very very fast. Hopefully we can get costs under control because we had creeping-quality-of-life syndrome, and never learned to save or fix as much as we should have. TBQH probably three grand in payments would get my credit empty again, i'd like to get that done by christmas We're never buying a house ever again, but it'd be nice to have the ability to get a car loan if need be.
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# ? Aug 6, 2014 19:44 |
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yeah if your credit is thrashed and you can't do it until you're in your fifties then don't buy another house unless you're paying cash, imho are you going to profit at all when you sell your current house?
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# ? Aug 6, 2014 19:56 |
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Jonny 290 posted:creeping-quality-of-life syndrome and yeah this is my life right now, mostly from eating out but also buying poo poo for the house (carlin was right)
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# ? Aug 6, 2014 19:58 |
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Cold on a Cob posted:and yeah this is my life right now, mostly from eating out but also buying poo poo for the house (carlin was right) same.
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# ? Aug 6, 2014 19:59 |
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mishaq posted:lol if you don't use a credit card and pay the balance in full monthly instead of using a debit card
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# ? Aug 6, 2014 20:00 |
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Cold on a Cob posted:yeah if your credit is thrashed and you can't do it until you're in your fifties then don't buy another house unless you're paying cash, imho LOL gently caress no. because we were house poor and stupid loving kids and bought too much house for our income, then i got a raise and the last thing you want to do with a new raise is erase it on an old house that you're starting to hate, so i didnt dump it all back into the house. basically we made some very very big mistakes and now I have a house that WOULD go for ~120 right now, but is unsellable, so I'll be lucky if we break even, which is somewhere around the 92k range. It's a big regret and embarrassment of mine that I basically failed as a homeowner, but it's okay, because it doesn't mean that I'm a piece of poo poo, just that I can't keep myself motivated enough to be my own groundskeeper.
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# ? Aug 6, 2014 20:01 |
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that's not too bad, at least you're not totally underwater if the market tanks where i live i'm so hosed, i paid 460k with 90k down i really ought to consider renting out the basement
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# ? Aug 6, 2014 20:09 |
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Cold on a Cob posted:that's not too bad, at least you're not totally underwater i.....i think we're from different worlds thats cool tho
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# ? Aug 6, 2014 20:12 |
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Cold on a Cob posted:90k down
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# ? Aug 6, 2014 20:14 |
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hey coac you wanna spot me 10k for a house downpayment
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# ? Aug 6, 2014 20:14 |
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Jonny 290 posted:It's a big regret and embarrassment of mine that I basically failed as a homeowner, but it's okay, because it doesn't mean that I'm a piece of poo poo, just that I can't keep myself motivated enough to be my own groundskeeper. the greatest trick
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# ? Aug 6, 2014 20:20 |
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Jonny 290 posted:i.....i think we're from different worlds half of my childhood was spent in trailer parks in rural alberta and bc but i get what you mean reminder to all that the 90k is composed of: - bonuses i got so i wouldn't quit current job - double income no kids (wife makes like 1/3 of what i make but still, it's 100% savings) - approx 9 years of savings - cashing out our rrsps (first time homebuyer can cash out rrsp, which is a tax deferral investment plan in canada) - cashing out our tax-free savings accounts also this was our first house and i'm 34 and i've been working since i was 21 as a programmer i full expect to take a 10 to 30k/ year paycut when i find $NEWJOB after i get laid off at end of the year too
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# ? Aug 6, 2014 20:21 |
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Cold on a Cob posted:(first time homebuyer can cash out rrsp, which is a tax deferral investment plan in canada) if i could do this i would have a house and no retirement savings by now, lol
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# ? Aug 6, 2014 20:24 |
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the 90k is fine whatever, a ridiculous sum but doable, the 460k is what gets me no man needs a half million dollar house i'm sorry to get judgey on you and i'm sure you're in like van or sf and have some weirdo housing market but i have a guttural response to numbers like that that i cannot easily suppress. like, how do you start talking about four hundred thousand dollar houses, whats the icebreaker there BUt maybe after a year or two after this depression starts to clear i'll feel differently. SORRY NOT TRYING TO E/N AROUND HERE
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# ? Aug 6, 2014 20:25 |
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Werthog 95 posted:if i could do this i would have a house and no retirement savings by now, lol current rrsp balances wife: $215.76 me: $682.27 that'll buy us a lot of cat food when we retire i guess lol
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# ? Aug 6, 2014 20:29 |
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# ? Apr 29, 2024 02:23 |
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Migishu posted:I never understood why they don't add a physical layer to the cards where you actually have to create a circuit with your finger so the rfid would work and pollute my precious bodily fluids with electricity!??!? PuTTY riot posted:u can stop this btw... https://www.optoutprescreen.com/
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# ? Aug 6, 2014 20:30 |