Putting fancy rims on an Apple Teach Love Inspire Teacher Life Shirt shitty car. Also less common but something I still run into. People who talk about “cashing” their paycheck, rather than depositing it. Buying a truck. I see them everywhere. How many people actually need a truck? Trucks are expensive! Then they also have to pay the ridiculous fuel costs on top of it. I remember there was one time I was struggled about whether or not to buy a water filter. I decided not to buy it in order to save money. However, the drinking water of my home was not purified and I was sick because of that Apple Teach Love Inspire Teacher Life Shirt. In the end, the money I spent in the hospital was much more than a water filter cost. I was so regretful about that. Bankruptcy survivor here.
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I’m in my late 30s and filed chapter 7 when I was 27. I got WAY over-leveraged with Apple Teach Love Inspire Teacher Life Shirt credit cards and car loans through my years at college not fully understanding that when I graduated I wouldn’t get an immediate $X amount per year to pay off my debt. The main trend I would fall into would be to buy a vehicle and then trade it in for a new one. This is rolling negative equity and is dangerous. I would also pay the minimum amount for my card Pig Halloween Pumpkin Pig Owner Shirt payments. This was what ultimately made me crash and burn. I would make cash withdrawals and that has a higher interest rate AND gets pushed to the end of the debt. So when I would make my “minimum payment” it wouldn’t even come close to the interest accumulated.
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