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Garden Club Meeting - April 2013

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myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@shaun2009 wrote:
new to the garden gonna be here for 6 months ... gonna need alot of ointment hope everyone has extra bottles to share ;D

Welcome 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 1441 of 2,152
WolfMan
Regular Contributor

Re: Garden Club Meeting - April 2013

1 Month since the last app! Still gardening... 

Message 1442 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@TwistedAngel wrote:

I am gardening because I am new to truly understanding credit. I went three years with only one card, a visa from my credit union, rarely used it, and paid before a balance could report. I thought this was a good thing. I checked out credit karma on a whim, and found out that even though my scores are decent, my credit report has Fs on it. The AAoC isn't something I can do anything about, but it also said I needed more credit lines, and I didn't have any "activity". I stupidly applied for AMEX blue and Chase Sapphire and immediately got denied, for the above reasons and because I have too many inquiries on my report, 6 from shopping for a car loan. I also stupidly paid the car off completely the first month of the loan (I had saved up for it), because I have great fear of being in debt. I was raised on the whole "credit cards and loans are the devil and will ruin your life" thing. Through this forum and other resources, I have come to understand that credit cards are excellent tools when used responsibly.

 

I am tending my visa and new discover card to build my history, establish a well-rounded report, and hopefully eventually qualify for a Chase Freedom and Amex BCE, so that my report will no longer be so thin.


No doubt in my mind you will be fine keep up the good work

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 1443 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@WolfMan wrote:

1 Month since the last app! Still gardening... 


Looking good keep it going

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 1444 of 2,152
09Lexie
Moderator Emerita

Re: Garden Club Meeting - April 2013

Welcome shaun2009!

We always have extra bottles...no worries 😉
Message 1445 of 2,152
Revelate
Moderator Emeritus

Re: Garden Club Meeting - April 2013

@Candice: I am in awe of your perseverence and resilience during a difficult time.   I'm struggling holding things togther lately and don't have half of that going on.

 

 

This thread in particular is great if you ever need a quick boost from others likewise trying keep on the straight and narrow from credit and finances in general perspectives.  Welcome back to the forum!

 




        
Message 1446 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@09Lexie wrote:
Welcome shaun2009!

We always have extra bottles...no worries 😉

+1 the best support system you can ask for 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 1447 of 2,152
09Lexie
Moderator Emerita

Re: Garden Club Meeting - April 2013

@WolfMan

That bronze spade looks great in your siggy! Keep up the good work!
Message 1448 of 2,152
dodfire
Valued Contributor

Re: Garden Club Meeting - April 2013

THIS is what is keeping me in the garden everyday!!! 

 

Screen Shot 2013-04-23 at 4.45.39 PM.png

*8/10/13
Message 1449 of 2,152
Charmlessman
Contributor

Re: Garden Club Meeting - April 2013

Hi Dodfire, i am new to the forum, how do you get tha info you just posted?

Message 1450 of 2,152
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