Wow! You have an amazing shop! I love the "Orange You Glad" necklace.. it reminds me of a piece of antique costume jewelry my grandma let me play with growing up. So sophisticated, yet fun! Thanks for sharing ;)
I think it's great that you're using your credit cards strategically, but I think it's unfair to say that no one should ever get or use a credit card. There are those of us who have never misused them, never paid a penny in interest, and have enjoyed the convenience and rewards.
I was probably 18. I was just shy of my 18th birthday when I moved out of my parents' house and became a full-fledged adult, responsible for my own bills and expenses. I was working full-time and had my own apartment, and my parents and I agreed that a credit card was the best way for me to build credit. I've always been a financially responsible person, though, so that credit card wasn't going to force me into debt.
I think it really depends on an individual's responsibility and the financial values instilled by the parents as far as when someone is "ready" for a credit card. When paid in full every month, it can have great benefits (convenience, cash back rewards, points, etc).
The conclusions this article seems to point to are ridiculous. Anyone who's trying to loose weight should know to count their calories. That means you count the ones going in and the ones going out...it gets amazingly more complex when you go into personal metabolism. All they've done is point out that anyone thinking that "just going to the gym" will result in weight loss is foolish. Umm..duh.
Additionally, the entire tone of the article tries to shift the blame away from the person putting too much food in their mouth onto the gym. How about we take some personal responsibility for our own choices, shall we?
I got my first credit card around the age of 18... after High School and before College. I did not have a full-time job but I did have a stable part-time job. I am happy with when I got my credit card, I always knew how to use the credit card and would not overspend on things I didn't need. I think the best age is around 18-20... when they get out of High School and have a stable job so they understand money management.
I got my first credit right after turning 18. I was told that you had to have a credit card in college. Luckily I've always been good at paying the full balance each month.
We bought a duplex when we moved for my DF to go to grad school. We had a 20% down payment and could pay closing costs. We also happened to get the home buyer tax credit. We were able to get the seller to pay closing so we were able to continue saving for our next rental. We found tenants in less than 3 month. They pay our entire mortgage/insurance/property tax. We only pay utilities and repairs. It is the best deal we have even had. We can afford the payments if they are not there but with them we are making back our down payment. Even if we sold after 3.5 years we would break even, counting selling cost. However, we hope to keep the duplex as a rental for quite a few years after we move.
Still, you forget (?) that muscle weighs more than fat. In our lab what we have seen is that women exercising changed their body composition more than they changed their weight when allowed to continue the same diet
ie less%fat and more %muscle in the same volume = more weight for the same body 'size'.
That is why you may not believe a woman who clearly is a size 10 when she tells you she weighs the same with another of the same height who is a size 14 and vice versa.
Moreover, having muscle not only requires energy to maintain (food) but is also revs up metabolism, especially resting metabolism (which is practically 'slow' fat burning). Thus a resting person with a high % of muscle 'burns' more calories than a resting person (of same height and size) whose body has a smaller muscle mass %.
Last but not least, because BMI has created many 'misconceptions', it's better to be a muscled and exercise trained 'overweight' person than a 'thin' looking (but really fat in terms of % body composition) sedentary person. The latter has double the risk for cardiometabolic syndrome than the former (see many studies from Steven Blair's lab). Thus any time or money 'saved' by not exercising will be paid to doctors and treatments later in life.
I have been dealt the same hand. They will forclose on you if you are not careful. You should look into wrongful foreclosures and law suits against them before you make the decision of what you will do.
I got my first credit card right after I got my first job in 1979. I promptly bought some things that I have never used (a brass place setting service). My parents paid off my card $2000 just before I married. They felt I should have no debt entering marriage.
They did a good thing for me since I learned my lesson. Although I have had a number of cards (and closed most of then), I have never been in debt again. I learned lay away when the kids were little. That is how I got my silver place settings in 1982. Too bad that is not really an option now.
We have been debt free for five years now- no debt at all. It is difficult to even think of buying something over time at this point. I just don't want to deal with the "bills".
I got my first credit card when I started college, under my parents' account. No job. It was necessary to buy books without having my parents' there.
I got my second credit card, the first under my own name, when I started an internship in the summer of Junior year. I think it was a good time for it - I had seen how much college books and living expenses could cost for a while with my parents' help, and could see how much I needed to spend on on a regular basis.
I got my first credit card when I was 18. My bank provided the card.
I really wanted to start building credit - so I got the card - and then always paid it off on-time - or even before the due date. I've had the card for three years now, and I'm about to cancel it because I've moved to a different bank.
Isn't Etsy an amazing place? I love having a shop there. Still trying to find new ways to let people know what a great place it is. Thanks for sharing your experiences! Above all, have fun there!
I got my first credit card at 18. It was a Discover Card with a $1,000 limit. I don't even remember applying for it...it came in the mail..pre-approved I think.
I have no idea with that APR was and at 18 I didn't know enough to look.
It could have been wise if I used it to build my credit. Instead I used it to buy my books (innocent enough) --- once I realized how easy this spending money you don't have thing is I started to go shopping! Only making the minimal payments and 2 more cards for a total of 3 maxed cards by the end of my sophomore year!
I was foolish and applied for my first credit card in college. I wish I had not, but it helped me afford living at the time. I still have that card - almost 20 yrs later. I don't have others.
I was glad to get my first credit card in college - working part time and the card was attached to my credit union account. Glad is the right word here because later - when I needed it - I had good enough credit to rent a home, and later buy a home. Starting early helped me learn money management!
I got my first credit card when I was a sophomore in college. The only job I had at the time was working 1 day a week at a retirement community making about $100 every 2 weeks. The credit limit was $1,000 and I maxed it out almost immediately. I then opened another card with a limit of $500. Also maxed that out quickly. It took me almost 2 years to pay them off entirely since as a full time college student I couldn't work enough hours to earn a real income.
I'm glad that I got it when I was so young and made that mistake early on. I know how painful it is to live with a debt that seems impossible to pay off so I live life debt-free now. I haven't had a credit card balance in years (that I didn't pay off with my next pay check) and I'm working on getting enough money in savings to put down a 20% deposit when we buy our first house next year.
I got my first credit card after I graduated from high school and had a steady job. I was eager to establish a line of credit so I could buy a house and get married.
How is it not obvious the date is a sell-by when it's always in the future? Unless you go to a really evil store where the routinely leave bread out past its date, I suppose.
My system is this: reach to the very back and get whichever has the furthest-away date. I've always noticed the colors for each DATE are consistent, but I never knew the colors relate to baking day. That's interesting. But the date interests me more...
I was 19 and a freshman in college. Amex was giving free airline tickets with cc signup (this was 1985) I got one without having a job or any income what so ever. Looking back it was a huge mistake on a slippery slope that lasted for close to 20 years. I no longer have a credit card and manage just fine with cash and debit card.
I got my first credit card in college, it was for emergencies, as my dad paid the bill, but if I did buy something for myself, I had to have the money ready to pay him. Even now, I make sure that I have the money before I purchase something and pay off the credit card every month. Living within your means may not keep you up with the neighbors, but you're not in debt up to your eyeballs either! Freedom!
Got my first one senior year of college to buy a Macbook - I paid it off before the 0% introductory interest rate wore off. I got my first real one (with a proper APR, not the overinflated one from Mac's Juniper Bank) when I graduated because I realized I needed to build a credit history. I'm a "cash mentality" person (ie. terrified of debt) so I pay it off in full every month and reap rewards in the form of Amazon gift cards...which I use for household items I would have bought anyway or Xmas presents.
Wow! You have an amazing shop! I love the "Orange You Glad" necklace.. it reminds me of a piece of antique costume jewelry my grandma let me play with growing up. So sophisticated, yet fun! Thanks for sharing ;)
I think it's great that you're using your credit cards strategically, but I think it's unfair to say that no one should ever get or use a credit card. There are those of us who have never misused them, never paid a penny in interest, and have enjoyed the convenience and rewards.
I was probably 18. I was just shy of my 18th birthday when I moved out of my parents' house and became a full-fledged adult, responsible for my own bills and expenses. I was working full-time and had my own apartment, and my parents and I agreed that a credit card was the best way for me to build credit. I've always been a financially responsible person, though, so that credit card wasn't going to force me into debt.
I think it really depends on an individual's responsibility and the financial values instilled by the parents as far as when someone is "ready" for a credit card. When paid in full every month, it can have great benefits (convenience, cash back rewards, points, etc).
The conclusions this article seems to point to are ridiculous. Anyone who's trying to loose weight should know to count their calories. That means you count the ones going in and the ones going out...it gets amazingly more complex when you go into personal metabolism. All they've done is point out that anyone thinking that "just going to the gym" will result in weight loss is foolish. Umm..duh.
Additionally, the entire tone of the article tries to shift the blame away from the person putting too much food in their mouth onto the gym. How about we take some personal responsibility for our own choices, shall we?
I got my first credit card around the age of 18... after High School and before College. I did not have a full-time job but I did have a stable part-time job. I am happy with when I got my credit card, I always knew how to use the credit card and would not overspend on things I didn't need. I think the best age is around 18-20... when they get out of High School and have a stable job so they understand money management.
How many calories does each cookie have? And how many cookies are in a serving?
I got my first credit right after turning 18. I was told that you had to have a credit card in college. Luckily I've always been good at paying the full balance each month.
We bought a duplex when we moved for my DF to go to grad school. We had a 20% down payment and could pay closing costs. We also happened to get the home buyer tax credit. We were able to get the seller to pay closing so we were able to continue saving for our next rental. We found tenants in less than 3 month. They pay our entire mortgage/insurance/property tax. We only pay utilities and repairs. It is the best deal we have even had. We can afford the payments if they are not there but with them we are making back our down payment. Even if we sold after 3.5 years we would break even, counting selling cost. However, we hope to keep the duplex as a rental for quite a few years after we move.
Still, you forget (?) that muscle weighs more than fat. In our lab what we have seen is that women exercising changed their body composition more than they changed their weight when allowed to continue the same diet
ie less%fat and more %muscle in the same volume = more weight for the same body 'size'.
That is why you may not believe a woman who clearly is a size 10 when she tells you she weighs the same with another of the same height who is a size 14 and vice versa.
Moreover, having muscle not only requires energy to maintain (food) but is also revs up metabolism, especially resting metabolism (which is practically 'slow' fat burning). Thus a resting person with a high % of muscle 'burns' more calories than a resting person (of same height and size) whose body has a smaller muscle mass %.
Last but not least, because BMI has created many 'misconceptions', it's better to be a muscled and exercise trained 'overweight' person than a 'thin' looking (but really fat in terms of % body composition) sedentary person. The latter has double the risk for cardiometabolic syndrome than the former (see many studies from Steven Blair's lab). Thus any time or money 'saved' by not exercising will be paid to doctors and treatments later in life.
I have been dealt the same hand. They will forclose on you if you are not careful. You should look into wrongful foreclosures and law suits against them before you make the decision of what you will do.
I got my first credit card right after I got my first job in 1979. I promptly bought some things that I have never used (a brass place setting service). My parents paid off my card $2000 just before I married. They felt I should have no debt entering marriage.
They did a good thing for me since I learned my lesson. Although I have had a number of cards (and closed most of then), I have never been in debt again. I learned lay away when the kids were little. That is how I got my silver place settings in 1982. Too bad that is not really an option now.
We have been debt free for five years now- no debt at all. It is difficult to even think of buying something over time at this point. I just don't want to deal with the "bills".
I got my first credit card when I started college, under my parents' account. No job. It was necessary to buy books without having my parents' there.
I got my second credit card, the first under my own name, when I started an internship in the summer of Junior year. I think it was a good time for it - I had seen how much college books and living expenses could cost for a while with my parents' help, and could see how much I needed to spend on on a regular basis.
I got my first credit card my freshman year in college, but I never charged more than I could pay off at the end of the month.
I got my first credit card when I was 18. My bank provided the card.
I really wanted to start building credit - so I got the card - and then always paid it off on-time - or even before the due date. I've had the card for three years now, and I'm about to cancel it because I've moved to a different bank.
Isn't Etsy an amazing place? I love having a shop there. Still trying to find new ways to let people know what a great place it is. Thanks for sharing your experiences! Above all, have fun there!
If you'd like to check out my shop: www.struckmyfancy.etsy.com
I got my first credit card at 18. It was a Discover Card with a $1,000 limit. I don't even remember applying for it...it came in the mail..pre-approved I think.
I have no idea with that APR was and at 18 I didn't know enough to look.
It could have been wise if I used it to build my credit. Instead I used it to buy my books (innocent enough) --- once I realized how easy this spending money you don't have thing is I started to go shopping! Only making the minimal payments and 2 more cards for a total of 3 maxed cards by the end of my sophomore year!
I got my first credit card when I was in college. It was a $300 limit card secured by my checking account at my bank. And I still have my card.
I was foolish and applied for my first credit card in college. I wish I had not, but it helped me afford living at the time. I still have that card - almost 20 yrs later. I don't have others.
I was glad to get my first credit card in college - working part time and the card was attached to my credit union account. Glad is the right word here because later - when I needed it - I had good enough credit to rent a home, and later buy a home. Starting early helped me learn money management!
I got my first credit card when I was a sophomore in college. The only job I had at the time was working 1 day a week at a retirement community making about $100 every 2 weeks. The credit limit was $1,000 and I maxed it out almost immediately. I then opened another card with a limit of $500. Also maxed that out quickly. It took me almost 2 years to pay them off entirely since as a full time college student I couldn't work enough hours to earn a real income.
I'm glad that I got it when I was so young and made that mistake early on. I know how painful it is to live with a debt that seems impossible to pay off so I live life debt-free now. I haven't had a credit card balance in years (that I didn't pay off with my next pay check) and I'm working on getting enough money in savings to put down a 20% deposit when we buy our first house next year.
I got my first credit card after I graduated from high school and had a steady job. I was eager to establish a line of credit so I could buy a house and get married.
How is it not obvious the date is a sell-by when it's always in the future? Unless you go to a really evil store where the routinely leave bread out past its date, I suppose.
My system is this: reach to the very back and get whichever has the furthest-away date. I've always noticed the colors for each DATE are consistent, but I never knew the colors relate to baking day. That's interesting. But the date interests me more...
I was 19 and a freshman in college. Amex was giving free airline tickets with cc signup (this was 1985) I got one without having a job or any income what so ever. Looking back it was a huge mistake on a slippery slope that lasted for close to 20 years. I no longer have a credit card and manage just fine with cash and debit card.
I got my first credit card in college, it was for emergencies, as my dad paid the bill, but if I did buy something for myself, I had to have the money ready to pay him. Even now, I make sure that I have the money before I purchase something and pay off the credit card every month. Living within your means may not keep you up with the neighbors, but you're not in debt up to your eyeballs either! Freedom!
Got my first one senior year of college to buy a Macbook - I paid it off before the 0% introductory interest rate wore off. I got my first real one (with a proper APR, not the overinflated one from Mac's Juniper Bank) when I graduated because I realized I needed to build a credit history. I'm a "cash mentality" person (ie. terrified of debt) so I pay it off in full every month and reap rewards in the form of Amazon gift cards...which I use for household items I would have bought anyway or Xmas presents.