As A Side Note, You Build Credit Through Other Means Besides A Credit Card.

As a side note, you build credit through other means besides a credit card.

If you choose to go to college, and you take out student loans, paying those back on time monthly will attribute to your credit score.

Almost anything that can be tracked in that way will contribute to it.

If you pay rent, even if it's with multiple people, make sure your name is on the lease- this will count towards the number as well.

Doesn't have to be a card, if you're not ready for it!

Different Strokes?

I think I left the teller at the bank genuinely disturbed when I told him that “If I can’t afford it, I just don’t buy it.”  “What about a car? Do you drive a car?” he inquired, his voice toning on the edge of fear.   I told him, “Yeah, I have a vehicle. I bought it used for under $3,000.”  He looked physically pained. “What about if you want to buy some kind of new appliance? Or furniture?” he persisted. I stared at him blankly. “My couch was $5.00 at Goodwill. Like…I just buy shit cheap or I don’t buy it at all. The only thing in my life that I make payments on is my house, my bills, and my insurance, and that’s split five ways because I have housemates.”  The young man looked horrified? Appalled? And somehow also awed?  This guy couldn’t have been much older than me. But it seemed that he’d never even considered the option before of saving up for something to purchase it outright instead of using a credit card. Am I the only person in my general age group (just turned 26) who’s never owned a credit card, and who has forgone basic comforts in order to save up for items so you don’t owe money to anyone, like, ever? 

More Posts from Whyyoudo and Others

4 years ago

She is amazingly.  🐍

Credit: pythonpaige

2 years ago

Been wondering how to describe this season with them so far, and this is PERFECT.

There really is such a thing as 'right person, wrong time', and we don't see it represented often.

Sometimes it all works out, you meet each other again, and life is happy.

Sometimes you have to just acknowledge that it doesn't work in the moment and move on, whether you meet again is simply up to fate.

Can't wait to see their future unfold

Ricky and Gina are the true definition of right person, wrong time. Everything about them feels right – the undeniable chemistry, they understand each other and are able to be themselves in each other’s company but their timing is horrendous. This is why this season feels like a beginning in a lot of ways because this it’s their second chance to make it right.

4 years ago

Some wonderful quotes from Avatar: The Last Airbender

Iroh: Pride is not the opposite of shame, but its source. True humility is the only antidote to shame. 

Iroh: There is nothing wrong with a life of peace and propserity. I suggest you think about what it is you want from your life, and why. 

Iroh: While it’s always best to belive in one’s self, a little help from others can be a great blessing! 

Iroh: You must never give in to despair. Allow yourself to slip down that road and you surrender to your lowest instincts. In the darkest times, hope is something you give yourself. That is the meaning of inner strength. 

Iroh: It is important to draw wisdom from many places. If you tale it from only one place, it becomes rigid and stale. 

Iroh: Protection and power are overrated. I think you are very wise to choose happiness and love. 

Iroh: Sometimes life is like this tunnel. You can’t always see the light at the end of the tunnel, but if you keep moving, you will come to a better place.

Iroh: There is nothing wrong with letting the people who love you help you. Not that I love you, I just met you!

Iroh: Sharing tea with a fascinating stranger is one of life’s true delights!

Iroh: Are you so busy fighting you cannot see your own ship has set sail? (hehe)

Iroh: With a poor stance you are unbalanced and can be easily knocked over. With a solid stance you are a much more serious threat!

Iroh: Is it your own destiny, or is it a destiny someone else has tried to force on you?

Iroh: It’s time for you to look inward and begin asking yourself the big questions: Who are you? and What do you want?

Iroh: Now you’ve come to the crossroads of your destiny. It’s time for you to choose. It’s time for you to choose good.

Iroh: I was never angry with you. I was sad, because I was afraid you’d lost your way.

Iroh: Life happens wherever you are, whether you make it or not. 

Iroh: Leaves from the vine, falling so slow, like fragile, tiny shells, drifting in the foam. Little soldier boy, come marching home. Brave soldier boy, comes marching home.

image

Lion Turtle: The true mind can weather all lies and illusions without being lost. The true heart can tough the poison of hatred without being harmed. Since beginningless time, darkness thrives in the world, but always yields to purifying light.

Lion Turtle: To bend another’s energy, your own spirit must be unbendable… or else you will be corrupted and destroyed.

image

Avatar Roku: Some frienships are so strong, they can even transcend lifetimes. 

Avatar Roku: When love is real, it finds a way.

Aang: It’s easy to do nothing, it’s hard to forgive. 

Aang: The past can be a great teacher. 

Aang: When we hit our lowest point, we are open to the greatest change.

Aang: What?! I’m saying I’d rather kiss you than die! That’s a compliment! :/

Aang: If anything, their story proves anyone is capable of great good and great evil. Everyone, even the Fire Lord and the Fire Nation, have to be treated like they’re worth giving a chance. 

Aang: Baby, you’re my forever girl. ;)

Avatar State Aang: FIRE LORD OZAI, YOU AND YOUR FOREFATHERS HAVE DEVASTATED THE BALANCE OF THIS WORLD. AND NOW, YOU SHALL PAY THE ULTIMATE PRICE!

Alternatively

Aang: No, Firelord Ozai, you’re not wearing any pants! >:(

image

Katara: But now you’re not letting yourself feel anything. I know sometimes it hurts more to hope and it hurts more to care. But you have to promise me that you won’t stop caring.

Katara: Yes, they have taken away your ability to bend, but they can’t take away your courage and it is your courage they should truly fear! Because it runs deeper than any mine you’ve been forced to dig, any ocean that keeps you far from home. It is the strength of your hearts that make you who you are, hearts that will remain unbroken when all rock and stone has eroded away. The time to fight back is now!

image

Guru Pathik: You must learn to let go.

Guru Pathik: The greatest illusion of this world is the illusion of separation.

Alternatively 

Huu: Pants are an illusion, and so is death. 

Huu: You think you’re any different from me, or your friends, or this tree? If you listen hard enough, you can hear every living thing breathing together. You can feel everything growing. We are all living together, even if most folks don’t act like it. We all have the same roots, and we are all branches of the same tree.

Zuko: I know now that no one can give you your honour. It’s something you earn for yourself by doing what is right. 

Zuko: Sometimes clouds have two sides, a dark and light, and a silver lining in between. It’s like a silver sandwich! So when life seems hard, take a bite out of the silver sandwich! 

Zuko: You must look within yourself, to save yourself from your other self. Only then, your true self will reveal itself. :’)

image

Sifu Pakku: With fierce determination, passion, and hard work, you can accomplish anything.

Bumi: You need to find someone who waits and listens before striking.

Smellerbee: As long as I’m confident with who I am, it doesn’t matter what other people think.

Cave of Lovers Inscription: Love is brightest in the dark

image
3 years ago

For safe keeping

Video Game Idea.

A game that is marketed as your standard fishing game and for the first 20 minutes or so you catch normal fish like bluegill and bass and what have you. But the further you go into the lake you start to catch fish with mutations and it gets more and more intense until you’re pulling in Eldritch horror monsters and sometimes severed human limbs. You realize you don’t recall how you got to this lake in the first place and the objective becomes to find your way back to shore. You have no real weapons but you can throw the creatures you’ve caught far away from the boat as a means to distract whatever is underneath you, bumping into the boat sometimes. Additional items for the game.

A fishing pole with a radar that starts out with just beeps but later includes noises with hidden messages.

A GPS that displays texts and story elements.

You meet other boaters, all from various backgrounds, countries, and time periods. Some are friendly, others want to sacrifice you to the lake monsters.

You can also take the route of sacrificing others to the lake monster.

Or you can assemble a party and work to keep them safe.

The more fucked up looking the fish you catch, the closer you’re getting to a boss fight, which is usually running from something you can only see part of in the water.

????

And that’s my game idea.

5 years ago

i’m up at 1 am thinking about the fact that 1) andi and Jonah never looked back at one another, 2) Buffy and Marty never looked back at one another, but who has looked back at one another? who is the only pairing on the show that has looked back at one another?

3) tj and cyrus

a testament to what will be a long and happy relationship for years to come !

4 years ago

fyi the point of fucking up your data patterns isnt to avoid suspicion. it’s to make EVERYONE suspicious. same logic as the bloc, pals.  protect your comrades, be suspicious. ESPECIALLY if you aren’t doing anything likely to get you arrested.

5 years ago

Frankie Rodriguez & Joe Serafini // Just For A Moment

4 years ago

I'm so proud to have gotten heath

I'm So Proud To Have Gotten Heath
Made A Clown Quiz Please Take It!

made a clown quiz please take it!

4 years ago

Black cats are lucky. (via leahweissmuller)

3 years ago

This is accurate.

I am Light Yagami in all forms.

I await the day I receive the Death Note.

So the just may prevail.

🎵 Where is the justice....

This Is Accurate.

here's a random word generator--whatever word it gives you is now the thing you are the deity of

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