PureX
Veteran Member
The issuer can change the terms at any time for any reason.
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What is better.Credit card?Debit card?Or ATM card?Or just cash in your pants?
- Thread starter Frank Goad
- Start date
Soandso
ᛋᛏᚨᚾᛞ ᛋᚢᚱᛖ
Can be...
A valid point, but rental expenses vary a lot, whilst homeowner responsible expenses for a detached house are usually considerable, hence the appellation "money trap."
Me, I started off in a commune, later shared apartments, then cheap, single apartments. I saved enough deferring purchase of an owned, detached dwelling, to buy same, out-of-pocket, sans mortgage and certain insurance expenses.
Eh... So I just got into a new studio. The cheapest one I could get in my entire area was 1,275. The absolute cheapest one. Back in 2017 this same studio was 925. Ever since about 2014 prices around here have gone up 50$ a year, and then covid hit and many places shot up hundreds of dollars. During those days I had a roommate and the total rent we payed for a 2 bedroom then went from 1400 to 1750 from one lease to the next
Good thing I currently don't have kids or any serious bills to contend with right now, but I'm a minimalist. I don't have a lot of things and am perfectly fine with not having the newst and latest anything, but to try and survive without relying on room mates or relying on family is certainly not easy. There's a reason why so many folks my age and younger either still have room mates or still live with their parents if they are single For sure
I don't carry cash. I carry a debit card and a credit card. For most mundane purposes, I use my debit card (usually with my watch or phone). If it's a larger purchase, I use my credit card to get my rewards. My credit card balance is paid off every month to avoid paying interest.
ATM card - Wikipedia
Automated teller machine - Wikipedia
You are welcome.
Terms of interest rate?
PureX
Veteran Member
They can change anything they like. This sort of thing used to be illegal, but bribe a few legislators and suddenly the usury laws magically vanish.
I have a friend looking for a new place right now, and even in the last few years, the costs have sky rocketed. Her very small one bedroom house in a quiet neighborhood(with a large yard and two stall garage) has had her paying 550 a month. If she is to move out, that price now gets her a studio apartment on the bad side of town. Twenty years ago, I paid 550(with roommate help) for a large two bedroom house in a so-so neighborhood.
Rents have certainly become unaffordable lately, hence the masses of homeless camping all over the cities.
I'd consider moving into an old RV, van, or panel truck for a while.
Thanks for the info. I’ve never ran into any problems myself. I wonder how drastic it could be.
The price on vehicles, any vehicle, seems to be climbing, too. I imagine even an old used RV would be a small fortune at this point(though I could be mistaken).
Better to get a tent at this point. Though that might not work as well if you have dependents. Or if you're in a climate with harsh winters. Sure, you could move, but employment might be interrupted, further causing financial issues.
A pull-behind RV isn't too expensive, though it is a little cramped for long term living. Check for mold and water damage. Wait until a recent rain to inspect the RV, so you can detect moisture problems. Bring a hygrometer and check the air in various places in the RV to see if it detects an unusual amount of moisture (I don't know how much is significant). If there is no water damage, and you're sure the wooden frame and the fabric top are good; then you have found a potential unit. Consider also building a privacy fence if you will be near to a road, and who doesn't love a giant awning or extra porch cover of some kind? I suppose if you are very devoted and can spend the time to do your research you might manage to get the RV, fence and an awning all for $7000. You are unlikely to get a bank loan for this setup, however imagine how cheaply one could live if willing to replace appliances and do some repairs.
Where would a person park such a setup?
In front of City Hall. Home could double as a political statement.
I know Walmart and Cracker Barrel have free RV parking. I think they might frown upon the privacy fence idea, though.
You know what's really good for RV living? An in-law's yard! Its a pretty good deal.
You *can* rent a space from an RV park such as a KOA. I was thinking that maybe Valjean had a plot of land already; however there are places to rent spots for RV's. Such places usually include power and water as well as drainage for your poos and your showers as well as someone to cut the grass and handle mail. A lot of RV parks are small businesses run by families. Rents can vary a lot, and so can the available entertainment. You're looking for a place that fits you, because they are all different. In the past I encountered a place with a 30$/month rent; however that was long ago. I think rents will drop, soon; because people are no longer running away in hordes from cities to hide from the covid plague. Its actually a pretty good time to be looking for used RV's, too.
I haven't got any in-laws. Maybe I can park in someone else's in-law's yard?
Think about it: instead of bedrooms each kid gets an RV; and you have separate RV's for your kitchen, office and entertainment. Finally you need one for your pets; because they are people, too. In the center you make a utilities building which houses your heat pump, your water source, your drainage, electric, your internet network and your pile of extra money. Because cash is better.
exchemist
Veteran Member
If you only pay for what you can afford, you don’t need a credit score at all, though.
Soandso
ᛋᛏᚨᚾᛞ ᛋᚢᚱᛖ
That hasn't been my experience at all. Even applying for cell phone contracts that are cheaper than burner phone plans require credit checks. Hell... getting into my new apartment, which is cheaper than any other apartment in my area, required a credit check too
I can't afford all those RVs!
I think a mansion would be more economical.
@Soandso is right, for many services over here you risk a credit check anymore. And few of us can afford to buy a home out of pocket. Home ownership is often part of getting/staying out of poverty, at least where I am. I have a decent sized 3 bedroom house(I think I may have shown you a picture once), but for the price I pay each month for my mortgage, I likely couldn't even rent a studio apartment in the area.
When we first went to the bank(well, credit union), for a home loan, we were told no way, you have no credit. Sign up for this credit card, use it to pay basic bills, and we'll see you back in a year. We did that, but they still turned us down because our credit was average instead of great(we had only had the card a year, and it was our only one). We found a loan with another credit union, thankfully. But without the home loan, we'd be paying a lot more for a lot less.