The Credit Crunch......?

Have you been affected by it yet? Have you thrown the towel in on your credit debts and preparing to live without loans, credit cards, catalogues, plastic surgery, home improvements etc etc etc...

I have been affected and I have thrown the towel in for the next 5 years. It%26#039;s like a big black cloud has been lifted off my shoulders %26amp; I have never been so well off for ready cash in my life!

The Credit Crunch......?

Not so much anymore...when I was laid-off (officially : outsourced) several years ago, my income at that time went from well over $100,000.00/year to just over half that with my next employer.

With that dramatic decrease in pay differential, suffice to say money was stretched, bills were unpaid, and my credit rating went to the dogs.

It was incredibly challenging over 2 to 3 years, there simply wasn%26#039;t enough cash to pay the bills I had from living in my former income bracket.

I just sold my home just over a month ago in my preperation to move to another state, paid off everyone and gave them the verbal finger.

Now, I%26#039;m much less stressed, and much happier.

So was I affected? No doubt. Am I now? Not a bit, and I%26#039;ll never carry a credit card again....if it%26#039;s not in my spending money account balance, I won%26#039;t buy it.

I was used to be being dead-broke for so long that I now understand the idea of being frugal and living life like a financially intelligent person over an unleashed consumer.....very much unlike my fellow Americans.

The Credit Crunch......?

Don%26#039;t use them! only cash, if i can%26#039;t afford i don%26#039;t buy......

The Credit Crunch......?

What is it and how do i get one?

The Credit Crunch......?

What did you do, declare yourself bankrupt? Sounds like bliss, alas no I havn%26#039;t.

Plastic surgery though? LOL How%26#039;d that get there?

*edit* oh I see now the plastic surgery loan was to pay for the face transplant? Very pretty, but you don%26#039;t look quite so annoying now :o)

The Credit Crunch......?

I have just been accepted for a credit card which is quite strange.

The Credit Crunch......?

lend me a tenner and i,ll tell ye... tell ye wot make 15 notes!

The Credit Crunch......?

Welcome to the real world of coping with what you have.

The Credit Crunch......?

Aren%26#039;t you happy when you put your money in local bank it can go to give god know who for five hundred thousand dollar home even thou your bank would give them one for fifty. Thanks Republicans.

The Credit Crunch......?

I have lived like that all my life.