Don't spend in advance.

ChrisHasADog

ChrisHasADog

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Not sure I'm right about that.

In my country nobody uses cash, even begging uses mobile payments.

Almost everyone uses mobile payments and no one leaves the house with cash.

Everyone gets $100-$10K credit in mobile payment apps, and yes, it's convenient, you just need to scan a QR code to make a payment and use the money.

I used to be the same way, I had a 20K credit line which made me wrongly believe that the money was mine and I started splurging on them, replacing cell phones and buying clothes.

Even purchasing anything I could use the money for, but with that came the stress of repayment, In the end it even took me 2 years to pay off the money.

What's worse is that it got me into the habit of spending money frivolously.

Most young people should be like me and wait to work and then will buy things they lacked in their childhood, but recklessly and beyond their means, you may take longer to pay off that ”debt“.
 
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Yeah its super easy to get into bad spending habits. You just have to be aware of the problem as its forming(easier said than done of course as for all bad habits)
 
You should use it if you have a good flow of income.
First, it was your mistake for spending more money than you can afford to spend. Not the credit card company's fault or app maker's fault.
These services are there for your convenience.
Just make sure you have it all planned out when you are spending that big amount from the CC or app.
 
JixKing said:
Do beggars use mobile payments?
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Yeah, mostly.
RSlade said:
Yeah its super easy to get into bad spending habits. You just have to be aware of the problem as its forming(easier said than done of course as for all bad habits)
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alonelywriter said:
Just make sure you have it all planned out when you are spending that big amount from the CC or app.
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Unfortunately, the authorities are in the dark and the onlookers are in the dark. Being able to comprehend it yourself is the key.
 

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speedie said:
Don't live beyond your means.
Cut the frivolities away.
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Hehe, but if you can get resources at 1/100th of product price and get the product produced at the original value without margins, you pay 5% of the price at a store.

Money is crap these days. 2000% margins on everything.
I'm not buying from stores anymore.
It doesn't make any sense. :)

Everyone is cutting and cutting.
Food at mcdonald's doesn't taste the same as in the past.
They changed it.

Everything has changed.
Nothing is the same.

People went so cheap on resources and inflated prices so much.
Everyone thinks marketing is the right way to do things.
But think how much products get obliterated by marketing.
Marketing / business want to optimize everywhere.
Now I get tasteless food.
 
Dude what f* place has this world become everyone can spend money without the mental pain of giving away cash.

Today big banks / companys offer phone Payments and Credit Card Payments in EU you dont even have to enter a PIN for purchases under 50 EUR anymore so everyone spends more here now too.

It is so wrong.
 
I did lend $2k over 20 years of using money. I started using money when I was 6 years old.

Once I got to my limit, I never paid it back.

If you pay it back, you can lend again.

If you don't pay it, you won't lend it again.

Now your game is a little harder, right.

But you learn to do things the hard way without it. :)

You can always send some payments to people and pay it back.

But if you do so, you open doors again to this crap.

I also got rid of a physical address and rent. Very useless things, especially for black hat operations.
 
OccultKingdoms said:
Now I get tasteless food.
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I still like your current picture better.
int255 said:
It is so wrong.
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TMONEX said:
Lending is a matrix trap
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Some lessons that we need to pay for.
datiao said:
tuhao
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On the internet, identity is self-given. Welcome, Chinese friend.
OccultKingdoms said:
If you pay it back, you can lend again.

If you don't pay it, you won't lend it again.
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Perfect Logic
OccultKingdoms said:
Now your game is a little harder, right.

But you learn to do things the hard way without it. :)
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I've actually left the game.

It's just that I've been seeing a lot of cell phone posts lately, and it's brought back memories of when I was a kid my family was fairly well off, but I never wore clothes that looked good, and a good cell phone.

So when I grew up I started buying them like crazy.
 
ChrisHasADog said:
I still like your current picture better.
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ChrisHasADog said:
It's just that I've been seeing a lot of cell phone posts lately, and it's brought back memories of when I was a kid my family was fairly well off, but I never wore clothes that looked good, and a good cell phone.
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Haha, the good old "nostalgia manipulation".

All those damn companies are doing the same.

They've already got the customers.

So they decrease product's quality as nobody will quit them.

Now Mcdonald's is selling atmosphere and KFC is selling breading instead of chicken.

Things went south over a decade. Mcdonald's is dead.

Mcdonald's was the only cool thing I had in my city. Now it sucks. It's so expensive and food has so little taste these days there, I am pissed each time.

Pizzerias do the same thing. I have to constantly search for new ones.

Find a restaurant and enjoy until it becomes a popular one. Once it's popular, the product is dead.
 
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