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I got a 10 dollar coupon for my bday... I'll wait until theres a 25% off again then use it on a accessory
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In a materialistic world we’re in today these can definitely be tough principles to apply but 100% these are the keys to financial freedom.A Ralph Lauren thread is probably the wrong place for this, but anyone thinking about obtaining financial freedom should tap into to Dave Ramsey's 7 Baby Steps. Yes it's hard work that can take a few months or a few years, but the end result is worth it. It has nothing to do with race, politics, or your tax bracket; It's your behavior, focus, and intensity with money. It works.
Budget. Pay cash for everything.
Where does it say the first step is realistic?I'm sorry, but those "baby" steps most definitely have to do with your tax bracket. Asking someone who makes 25k a year to save 1k as the first step is completely unrealistic, as is paying off all debt, except for the house, as it assumes that the person has a mortgage instead of renting. And yes, of course owning property is the goal. But alongside said property comes, taxes, utilities and all the other stuff. And yes, poor people deserve entertainment as much as everyone else.
My point is, that these type of tips rarely consider the people that need the most help in becoming financially sound.
So you cannot win by following the steps. Okay. I also believe that you can't.
back to it then...
Latest pick up.
Finally found this Anorak that I let get away in 2014.
Paying cash for everything is absolutely wrong advice. You won’t build credit, take advantage of 0% APR because you can use those funds to invest and you Still have that lump sum just in case and swipe everything and pay off monthly to get those CC points for cash back.A Ralph Lauren thread is probably the wrong place for this, but anyone thinking about obtaining financial freedom should tap into to Dave Ramsey's 7 Baby Steps. Yes it's hard work that can take a few months or a few years, but the end result is worth it. It has nothing to do with race, politics, or your tax bracket; It's your behavior, focus, and intensity with money. It works.
Budget. Pay cash for everything.
Facts! Your pic of the things that you bought from that collection is still one of my favorite Polo images. Pologate was epic...sponsored by the one and only DP.One of my favorite jackets. Got it during pologate
It's not wrong at all; It's called freedom. Cash is always 0% APR, and investing is a breeze to set up with a certified professional. Want to finance a home pr rental an apartment, use a bank that utilizes manual underwriting. Points...don't need them. My peace is worth more than chasing bondage.Paying cash for everything is absolutely wrong advice. You won’t build credit, take advantage of 0% APR because you can use those funds to invest and you Still have that lump sum just in case and swipe everything and pay off monthly to get those CC points for cash back.
you literally make zero sense but okFacts! Your pic of the things that you bought from that collection is still one of my favorite Polo images. Pologate was epic...sponsored by the one and only DP.
It's not wrong at all; It's called freedom. Cash is always 0% APR, and investing is a breeze to set up with a certified professional. Want to finance a home pr rental an apartment, use a bank that utilizes manual underwriting. Points...don't need them. My peace is worth more than chasing bondage.
Understood. I'm speaking from a perspective of actually living this, and it didn't make sense to me the first time that I was told about it.you literally make zero sense but ok
Paying cash for everything is absolutely wrong advice. You won’t build credit, take advantage of 0% APR because you can use those funds to invest and you Still have that lump sum just in case and swipe everything and pay off monthly to get those CC points for cash back.
I completely agree with what you’re saying but if you have the cash and the opportunity to take advantage of certain things you most definitely should.Telling somone in dire financial straits with zero savings to make all their purchases on credit isn't exactly sound financial advice my friend. I get what you’re saying but MAINTAINING financial freedom takes a different approach than ESTABLISHING financial freedom.