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[ - ] Cunt [op] 22 points 1.8 yearsJul 26, 2022 19:36:55 ago (+24/-2)

[ + ] SirNiggsalot

[ - ] SirNiggsalot 13 points 1.8 yearsJul 26, 2022 19:42:03 ago (+13/-0)

That's a nice pair of tits !

[ + ] rhy

[ - ] rhy 3 points 1.8 yearsJul 27, 2022 04:57:01 ago (+3/-0)

Almost 20 upvoats!

[ + ] SecretHitler

[ - ] SecretHitler 8 points 1.8 yearsJul 26, 2022 20:09:58 ago (+8/-0)

Wasn't expecting them to be so pointy

[ - ] Spaceman84 3 points 1.8 yearsJul 26, 2022 21:06:57 ago (+3/-0)

No milk at all. Sad! Many such cases!

[ + ] diggernicks

[ - ] diggernicks -1 points 1.8 yearsJul 26, 2022 19:43:03 ago (+6/-7)*

Thats some weak ass btard cumdumpster level failure

Post thine breasts or fare thee well milady

[ - ] Spaceman84 1 point 1.8 yearsJul 26, 2022 21:05:41 ago (+6/-5)

I agree with you. For once. Women don't belong on the Internet. Pay the toll or be patrolled. The Internet is a Sharia compliant zone.

[ - ] PostWallHelena 4 points 1.8 yearsJul 26, 2022 22:10:51 ago (+4/-0)

Good work. You are doing an admirable job managing Mr. Cunt!

[ - ] Boardallday3 4 points 1.8 yearsJul 26, 2022 21:37:39 ago (+4/-0)

Good for you, Cunt. Fuck kikes fuck niggers. Congrats!

[ - ] v0atmage 4 points 1.8 yearsJul 26, 2022 20:01:11 ago (+4/-0)

Meanwhile still paying my student loans...

[ + ] Master_Foo

[ - ] Master_Foo 5 points 1.8 yearsJul 26, 2022 21:06:04 ago (+5/-0)

Yep, that's how they getcha.

[ - ] Cunt [op] 4 points 1.8 yearsJul 26, 2022 22:36:01 ago (+4/-0)

Haha oh fark OK party pooper so technically I'm not out of debt but I don't have to pay it if I keep being a stay at home mum.

[ + ] dulcima

[ - ] dulcima 4 points 1.8 yearsJul 27, 2022 01:22:46 ago (+4/-0)

HECS/HELP debts are a surefire way not to take up the career you studied for, lol.

[ + ] Crackinjokes

[ - ] Crackinjokes 0 points 1.8 yearsJul 28, 2022 09:17:12 ago (+0/-0)

It's the golden handcuffs. And of course there are a lot of professions that if you stay in them as an underpaid person serving their propaganda person purposes as a teacher that after 10 years of your life wasted at a low paying job that you don't really want you may have your student loans forgiven. It sounds like they're doing something for you but really it's just keeping in further slavement. I mean it sucks. It just sucks. There's no question that it sucks and it's really tragic that you cannot get out of student loans with bankruptcy because if you could everybody should do it. There's no reason student loan should be exempt from bankruptcy except they are designed to capture you. And half the people who took student loans were underage when they signed for them. I mean it just isn't evil evil system for education that's not worth what you even spend the hours getting it for for the most part. Especially today when you can learn anything you want online.

I think if I was in your situation unless I really wanted to be a mom which of course is great I would go for the highest paying job I could invite the bullet and pay that crap off as fast as I could rather than be enslaved and not have a choice about what I was doing with my life. That's assuming you can get a high paying job but of course the high paying jobs really are sales jobs in high dollar items where you're making a percentage commission of very high dollar items. And of course you really don't even need an education to do any of those jobs. In fact most of the people who invested those jobs have less and not more education. And of course you also have to be slightly dishonest sometimes although I've certainly been in sales positions where my honesty is absolutely helped me. If you're in a sales position that requires people who are audited and must be financially responsible then you absolutely must be very honest with your sales as well and you cannot misrepresent things because every purchase everything will be discovered at some point and usually it's within a year in the accounting department.

https://u.smutty.horse/mijubrndbsn.jpg

[ - ] Cunt [op] 1 point 1.8 yearsJul 29, 2022 02:31:51 ago (+1/-0)

"There's no question that it sucks and it's really tragic that you cannot get out of student loans with bankruptcy because if you could everybody should do it. There's no reason student loan should be exempt from bankruptcy except they are designed to capture you"

This. I was horrified when I found that bankruptcy wouldn't get rid of it. Funny how nobody mentioned that when I signed up.

I was legally an adult but really just a stupid kid. My mum said she would pay for my studies but only ended up paying for the first year.

[ + ] Trumpman9000

[ - ] Trumpman9000 -2 points 1.8 yearsJul 26, 2022 23:55:20 ago (+1/-3)

Stupid fucking millennial. 😂

[ + ] taoV

[ - ] taoV 4 points 1.8 yearsJul 27, 2022 01:18:29 ago (+4/-0)

[ + ] MaryXmas

[ - ] MaryXmas 2 points 1.8 yearsJul 27, 2022 07:35:33 ago (+2/-0)

You don't have to be black to be a nigger. 😉

[ - ] AttilaHitler 3 points 1.8 yearsJul 27, 2022 00:00:22 ago (+3/-0)

Way to go Cunt!

[ - ] Nosferatjew 3 points 1.8 yearsJul 26, 2022 21:24:23 ago (+4/-1)

Cool it with the antisemitic remarks.

[ - ] 2Drunk 3 points 1.8 yearsJul 26, 2022 21:20:41 ago (+3/-0)

Are you going to let him buy some cocaine and hookers?

[ - ] Master_Foo 3 points 1.8 yearsJul 26, 2022 21:03:40 ago (+3/-0)

Go find a Jew. He can solve that problem for you.

[ - ] Peleg 3 points 1.8 yearsJul 26, 2022 20:40:56 ago (+3/-0)

The borrower is slave to the lender.

Slave no more!

Don't go putting yourself back into slavery!
Good job.

[ - ] wonderfuldonut 3 points 1.8 yearsJul 26, 2022 20:32:20 ago (+3/-0)

its an awesome achievement and feeling, dont forget to consolidate it with savings of course

[ - ] boekanier 2 points 1.8 yearsJul 27, 2022 01:13:15 ago (+2/-0)

wow! congrats. I've been debt free for centuries.

[ - ] Krier55 2 points 1.8 yearsJul 27, 2022 00:04:15 ago (+2/-0)

Now don’t all those late nights on the corner feel worth it

[ - ] Her0n 2 points 1.8 yearsJul 26, 2022 19:45:03 ago (+2/-0)

Nice, it's a great feeling

[ - ] bluemenispedo 2 points 1.8 yearsJul 26, 2022 19:36:28 ago (+4/-2)

dont fuckup again yar hear

[ - ] Crackinjokes 0 points 1.8 yearsJul 28, 2022 09:22:47 ago (+0/-0)

Now you have to get out of the second kind of insidious debt that they don't call that but really is. And that is being attached to the utilities like water gas and Electric which are really an involuntary monthly payment that you must make which will constantly increase and will cripple your future savings. And you've got to figure out a way to start to get off of those or minimize those although it's not legal to completely disconnect and many married many areas of course. But you can at least start to limit your usage and get some independent power production like a few solar panels and other things that can run heaters in the winter and maybe a window air conditioner in the summer to at least lessen the impact of that involuntary payment that they've got you tied to. You really do need to start thinking about utilities as debt because in all ways they're have exactly the same effect. It's an involuntary monthly payment that you must make to stay alive and it keeps you from growing your assets. So my suggestion to you is if your living situation and land ownership situation allows it to buy yourself about a thousand watts of solar panels that you put out over the top of your patio as your patio roof and you get yourself a cheap inverter and you plug that directly into either an electric heater or an electric window air conditioner which you start to use to supplement your heating and cooling in your house. It will directly cut out your utility payment in an after-tax fashion. In other words if it saves you $50 a month on your utility bill or $100 a month on your utility bill then that's $100 a month of after tax money you have saved. And believe me it'll work. And you don't need batteries and you don't need to be tied to the grid. In fact you absolutely do not want to tie your solar panels to the electrical infrastructure in your house. You want to plug it into stuff in your window or through the window through a power cord. You don't want to try to get into the Jew trap of subsidized solar panels. Get on Amazon or get on eBay and buy yourself some cheap 100 watt solar panels for less than $100 each if you want them new or better yet get on eBay and buy some used solar panels from some of the solar farms that they've dismantled and buy them for $30 for 100 Watts instead.

[ - ] Cunt [op] 1 point 1.8 yearsJul 29, 2022 04:49:48 ago (+1/-0)

Cool but none of that applies as I'm in the insidious "debt" of renting, so any tips for getting out of that with a pittance and a overpriced housing market?

[ - ] Thatguy 1 point 1.8 yearsJul 27, 2022 01:17:14 ago (+1/-0)

Being debt free and not worrying about money is just about the best feeling in the world, second to freedom and liberty.

[ - ] Leveraction 1 point 1.8 yearsJul 27, 2022 00:34:28 ago (+1/-0)

Outstanding!!
Good job!

Have also been debt free for 6 months. Glad to have you aboard the debt free club

[ - ] Cantaloupe 1 point 1.8 yearsJul 27, 2022 00:31:35 ago (+1/-0)

Congratulations!!

[ - ] Jiggggg 1 point 1.8 yearsJul 26, 2022 22:45:53 ago (+1/-0)

Congratulations!! It's a great feeling. I have been debt-free for several years and it made my credit score go down (they say I have a "thin file"), which just confirms my feelings about that particular hebrew trick. Good for you

[ - ] 1Icemonkey 1 point 1.8 yearsJul 26, 2022 22:41:43 ago (+1/-0)

Did you do the Dave Ramsey thing? Either way, good for you! That is a huge deal in my world. I have a mortgage and nothing else. Again, congratulations!

[ - ] Cunt [op] 2 points 1.8 yearsJul 27, 2022 03:44:37 ago (+2/-0)

I know of him. I read the barefoot investor, he just said "earn more money" which was unhelpful, although of course I did. I mainly kept limiting spending, was a tightarse (like almost never paying full price for anything) and throwing extra money on the loan and credit card whenever possible.

I need a mortgage next because renting sucks, so now we can focus on saving up for a deposit.

[ + ] UncleDoug

[ - ] UncleDoug 1 point 1.8 yearsJul 27, 2022 07:13:36 ago (+1/-0)

I thought you said you were debt-free, but don't have a mortgage, have kids and are technically out of debt from presumably hecs?

So did you just get pay off a personal loan and don't have negative cash flow living on credit cards?

[ - ] Cunt [op] 2 points 1.8 yearsJul 28, 2022 05:46:39 ago (+2/-0)

I've had a personal loan for ages, basically three rolled into one plus the credit card has been hovering around the max for months, so those just got paid off.

I'm too poor to have pay my hecs so I had forgotten about that. 😅 I'm just hoping they realise I'm not gonna pay and forgive it.

I feel like you're trying to poo poo my win.

I don't know why you're bringing up the kids, because if I play my cards right they will be rich and still love me when they are older and might build me a granny flat or some shit.

[ + ] UncleDoug

[ - ] UncleDoug 0 points 1.8 yearsJul 28, 2022 06:27:55 ago (+0/-0)

I feel like you're trying to poo poo my win.

Just trying to get my head around; congrats on the 99+ upvotes, but I'm sensing 90 of them were just based on feelings and the title, with few people actually scratching below the surface.

I'm too poor to have pay my hecs so I had forgotten about that.

What was the course if you don't mind me asking?

[ - ] Cunt [op] 1 point 1.8 yearsJul 29, 2022 02:23:59 ago (+1/-0)

Don't laugh okay, but it was an arts degree.

[ + ] UncleDoug

[ - ] UncleDoug 0 points 1.8 yearsJul 29, 2022 03:52:44 ago (+0/-0)

You can't say 'don't laugh' then tell the greatest joke of all time :P

[ - ] 1Icemonkey 0 points 1.8 yearsJul 27, 2022 10:34:36 ago (+0/-0)

Basically you did the Ramsey thing. You’re on the right track, keep it up.👍

[ - ] big_fat_dangus 1 point 1.8 yearsJul 26, 2022 21:47:19 ago (+2/-1)

Noice

[ - ] paul_neri 1 point 1.8 yearsJul 26, 2022 21:02:43 ago (+1/-0)

The problem for you now is your gimlet-eyed family who'll know you have spare cash.

[ - ] Clubberlang 1 point 1.8 yearsJul 26, 2022 20:28:25 ago (+1/-0)

What steps and literature did you follow to end up debt free.

Links and info would be good for people trying to do the same.

[ - ] Cunt [op] 3 points 1.8 yearsJul 26, 2022 23:01:04 ago (+3/-0)

Step 1. Stop buying useless shit and downsize any expenditures possible.

Step 2. Obsess over grocery prices, download app that tells you weekly specials, plan meals around that. Get loyalty cards.

Step 3. Put all extra money on debt. Have an emergency fund but don't worry saving while in debt.

Step 4: do paid surveys or extra jobs to get any extra shekels.

[ + ] paul_neri

[ - ] paul_neri 1 point 1.8 yearsJul 26, 2022 23:45:14 ago (+1/-0)

Step 1A - Hook up early in life with a good mate with whom you have a lot in common e.g. don't drink alcohol or do other drugs e.g.smoke; gamble; or have expensive pursuits like motor car racing. The pennies will quickly amass in pounds.

PS - Possibly the biggest unnecessary drain on folk's money is excessive dining-out.

[ + ] paul_neri

[ - ] paul_neri 0 points 1.8 yearsJul 26, 2022 21:00:12 ago (+1/-1)

no kids is the best route.

[ - ] Spaceman84 3 points 1.8 yearsJul 26, 2022 21:06:18 ago (+3/-0)

For you. I concur.

[ + ] paul_neri

[ - ] paul_neri 2 points 1.8 yearsJul 26, 2022 21:11:14 ago (+2/-0)

I suspect you're being un-nice.

[ - ] Spaceman84 -2 points 1.8 yearsJul 26, 2022 21:07:36 ago (+0/-2)

Don't take out loans. Simple as.

Once you have debt, you're fucked unless you want to declare bankruptcy.

[ - ] SecretHitler 1 point 1.8 yearsJul 26, 2022 20:10:47 ago (+1/-0)

Congrats!! It's such a great feeling to finally be done with it!

[ - ] DukeofRaul 0 points 1.8 yearsJul 26, 2022 22:44:41 ago (+0/-0)

Yo gurl. You looking for that long daddy d stroke?

[ - ] deleted 0 points 1.8 yearsJul 26, 2022 19:49:04 ago (+0/-0)

deleted

[ - ] Cunt [op] 1 point 1.8 yearsJul 27, 2022 03:12:25 ago (+1/-0)

Lol at you assuming I have assets.

[ - ] diggernicks 0 points 1.8 yearsJul 26, 2022 19:41:53 ago (+3/-3)

Post tits

[ - ] paul_neri -1 points 1.8 yearsJul 26, 2022 23:48:54 ago (+0/-1)

PS the word is: "Hooray" [Library Service]

Cynabuns: "Oh paul. You are such a f..king pain!".

[ - ] Cunt [op] 1 point 1.8 yearsJul 27, 2022 03:08:45 ago (+1/-0)

Did it on purpose to annoying you.

[ - ] Spaceman84 -1 points 1.8 yearsJul 26, 2022 21:03:55 ago (+0/-1)

Tell it to Dave Ramsey. Idgaf.

[ - ] 1Icemonkey 4 points 1.8 yearsJul 26, 2022 22:43:58 ago (+4/-0)

Yes you do or you wouldn’t know who he is.

[ - ] Spaceman84 0 points 1.8 yearsJul 27, 2022 12:34:43 ago (+0/-0)

I listen to talk radio when I drive and his show comes on after Hannity. I've caught it a few times. I don't like Glenn Beck either but that's what's on the air from 9am-12pm.

[ - ] 1Icemonkey 0 points 1.8 yearsJul 27, 2022 22:53:39 ago (+0/-0)

Fuck hannity and beck.

[ - ] Spaceman84 0 points 1.8 yearsJul 28, 2022 09:44:24 ago (+0/-0)

Yes. Beck is a retard but occasionally has an interesting perspective. Hannity is a one note neocon shill.

[ - ] 1Icemonkey 0 points 1.8 yearsJul 28, 2022 20:15:31 ago (+0/-0)

I agree on both accounts. I do get a chuckle from Beck. I remember him from CNN, way back.

[ - ] bonghits4jeebus -3 points 1.8 yearsJul 26, 2022 22:21:07 ago (+0/-3)

U r a fag