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Moderator
Posts: 9,202
Registered: ‎08-12-2013

Re: Garden Club Meeting - September 2014


-NewGuy- wrote:

TO: Mods and fellow gardners

 

RE: Requesting opinions on GC idea

 

Dear mods and fellow gardners,

 

I wanted to float an idea about a change to the GC, and see what everyone else thinks about it. As we all know, the GC is a place where people can come and help each other refrain from apping. Lexie has been very diligent in reminding people not to talk about apping, with great effect. I for one appreciate this greatly, as I start itching like a poison icy reaction a month or two after my last one. It is nice to be able to come here every day and chat with people, as well as get extra help from others when the itch is creepin in. In short, I find the GC to be a great resource, and try and pay it forward to others.

 

My trouble is with the location of the GC. Located within the Credit Cards forum, this means that I have to scroll through a page about new credit cards, credit card apps, etc before I get to the thread about abstaining from credit. To me, this is almost like having an AA meeting in the back of a liquor store. It's a lot of temptation to get through before you get where you're going.

 

I would also point out that gardening isn't really a credit card based subject, as it applies to all applications; auto, credit card, etc. The Garden Club thread is the single most posted in thread on a monthly basis. No matter which forum you frequent, be it General Credit, Credit Cards, or Understanding FICO, FICOans know what gardening is, and it has helped many people on here achieve financial goals that they previously thought impossible. Gardening really is a subject all its own.

 

Due to the above, I am inquiring about the possibilty of having a Gardening (or Credit Free, or what have you) subforum under Types of Credit. Either the gardening thread would be in there by itself, or it could contain any threads, including the GC, related to not apping. I personally would find it much easier, as I could concentrate on being app free without the distractions of all the new cards that are released, new applications, etc.

 

Please let me know what you all think. I would love all honest opinions and suggestions.

 

-NewGuy-

 

P.S. I admittedly have horrible self control, so I may be in the minority, LOL. Just an idea.


I say keep it where it is, smack dab in the center of the Credit Card forum.   One of the great things about the Garden being here is the visibility.  If you sticky it, it could easily be skipped.   Same if you put it in a broader category.   Another good reason to leave it right here is because its presence here helps dissuade from the biggest gardening temptation: credit cards.    You don't see people coming in here saying how much business credit or student loans tried to woo them out of the Garden.

 

The Garden is very much like Central Park to New York City, an oasis in the midst of urban life.   Moving the Garden out of the CC forum would be like moving Central Park to upstate NY, just because you wanted to stay out of the city.  I think it needs to be right here to thrive, to serve it's purpose, and to balance out all of the CC info.  I'll go whereever the Garden is, but I like it here.  



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 8/15/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Macy's Store $20000 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | Citi DC $12600 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 4/5/16
Established Contributor
Posts: 1,024
Registered: ‎05-21-2014
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Re: Garden Club Meeting - September 2014

Very astute observation! Smart!
Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.
Senior Contributor
Posts: 4,108
Registered: ‎09-26-2011

Re: Garden Club Meeting - September 2014

Good points on both sides.  I'm good either way.

 

All I'm really sure of is that today is the end of September.

 

After September comes January, right?  Smiley Tongue

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
New Contributor
Posts: 122
Registered: ‎09-23-2014

Re: Garden Club Meeting - September 2014

Resetting my gardening date to today.  Jumped the fence after only 4 days Smiley Frustrated

 

It's ok though.  My goal date is still the same as 4 days I don't think will make super huge impact (hopefully won't anyway).

 

I am done at this point - I need to grow what I have so that when my baddies drop I will be in hopefully a very good position.

Starting Score: Fico TU 585 (11/13)Current Score:Fico TU 616 (9/25/14) Goal Score: 650+ Escaped the Garden on 11/29/2014 Going Back 12/1/2014 Currently:
$500CL Spark Classic AU Acct$500CL$300CL AU Acct$300CL$300CL$3400CL Joint Acct$2000CL AU Acct$1350CL$1300CL$750CL$700CL$650CL$350CL$300CL$250CL$200CL
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
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Re: Garden Club Meeting - September 2014


coldnmn wrote:

myjourney wrote:

coldnmn wrote:

Smiley Happy Did someone call for for a headache!  I'm here to please! Smiley Very Happy


Hey headache oh my bad I mean Cold Lol

Hi ya buddy


Smiley Happy Hi MJ! I wish I could read more threads about NASIA today! I like avoiding the credit card forum! Smiley Indifferent


Lol

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?
Moderator
Posts: 10,095
Registered: ‎01-15-2009
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Re: Garden Club Meeting - September 2014

I completely meant stickying. It isn't fun or easy typing on an iPhone on the forum. My sisters wifi isn't on until later in the week. (They can't come and turn it on until then. She just moved back to the lower 48 from Alaska.) lol sorry anyone for the confusion.
Frequent Contributor
Posts: 447
Registered: ‎06-30-2014
0 Kudos

Re: Garden Club Meeting - September 2014

I have to agree with New Guy! This month I have been a bad girl! I have really let the temptation get me. As of today I am starting over. Hopefully I can make it longer than a month without appin.

Highlighted
Moderator
Posts: 9,202
Registered: ‎08-12-2013
0 Kudos

Re: Garden Club Meeting - September 2014


08sportster wrote:

Resetting my gardening date to today.  Jumped the fence after only 4 days Smiley Frustrated

 

It's ok though.  My goal date is still the same as 4 days I don't think will make super huge impact (hopefully won't anyway).

 

I am done at this point - I need to grow what I have so that when my baddies drop I will be in hopefully a very good position.


Welcome back!   



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 8/15/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Macy's Store $20000 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | Citi DC $12600 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 4/5/16

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