Sometimes I seriously wonder if people have some unconscious desire to be poor and mediocre. I just cannot fathom how somebody could wish to be more than they are without trying to work towards that goal with even the tiniest increments.
This bothers me a lot about people. I can't get why they are not willing to change up their lifestyle and mindset to reach the goals they desire. My theory on why so far, is that they are easier satisfied and they are happy enough with things staying like the way they are. Therefore don't feel the need to work on oneself. Some people just don't need much in life and are perfectly fine being mediocre. It's something that I sometimes I admire in people, the simplicity of being satisfied with less.
But why would they complain so much if they were satisfied? And why would depression and suicide rates both be climbing?
I have a bank account and some credit cards with just enough to pay the bills. The rest are in crypto. It's more convenient and you do build up a good credit rating or credit score if you pay off all your cards or keep utilization below 5%.
When you guys talk about credit utilization.... do you mean something like deferring payments instead of paying the bill at end of month?
Never knew anyone that would do that. Looks suicidal considering the extreme interest. I would expect someone having to resort to that type of credit to be on the verge of bankruptcy already. Same with the people leasing or buying cars on credit (although I know some of those).
If you have good credit, you can easily find offers of 12-18 months at 0% interest.
When bitcoin began tanking last month I opened one of these. I did the same in 2014.
Damn, I wish there was 0% interest available here. I'd load up hard.