Garden Club - October 2014

[myjourney]

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@Anonymous wrote:
1.) Only apply for cards that suit your individual needs and serve a purpose.
2.) Focus more on building a positive credit profile rather than worrying solely about credit score.

Hello GC! Everyone have a fantastic weekend!

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@Anonymous wrote:
1.) Only apply for cards that suit your individual needs and serve a purpose.
2.) Focus more on building a positive credit profile rather than worrying solely about credit score.

Hello GC! Everyone have a fantastic weekend!

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Welcome to the party 

Good answers to share with others 

[MsLadyRover]

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@myjourney wrote:

On behalf of the GC club

Welcome To The Gardens Friday Night Social Event

Garden rules apply

No Drapping Allowed

Respect Everyone's Opinion

Drink responsibly in the virtual world as well as in the real world

Have fun

Any Friday is : Open Forum ....answer a question or ask a question.

If you're new to the garden and would like to know something about the garden or have questions please ask.

If we can't answer it we will point you in the right direction.

Tonight's question?

What's the 2 most important things you've learned about credit and would share with others?

Tonight's Menu

Bennihana is catering for us tonight. :-)

Drink Menu

Wine and Beer

Non alcoholic drinks available

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Hey there! Hi there!

How is everyone?

I'm good and happy to have some free time to catch up with all I've missed!

The two most important things I've learned are:

1. Keep utilization low.

2. Gardening is your friend.  It really helps to strengthen your scores.

[tcbofade]

1. Got an itch? There's a card for that.

2. Wait til next month...there'll be ANOTHER card for that. 

[myjourney]

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@MsLadyRover wrote:

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@myjourney wrote:

On behalf of the GC club

Welcome To The Gardens Friday Night Social Event

Garden rules apply

No Drapping Allowed

Respect Everyone's Opinion

Drink responsibly in the virtual world as well as in the real world

Have fun

Any Friday is : Open Forum ....answer a question or ask a question.

If you're new to the garden and would like to know something about the garden or have questions please ask.

If we can't answer it we will point you in the right direction.

Tonight's question?

What's the 2 most important things you've learned about credit and would share with others?

Tonight's Menu

Bennihana is catering for us tonight. :-)

Drink Menu

Wine and Beer

Non alcoholic drinks available

---

Hey there! Hi there!

How is everyone?

I'm good and happy to have some free time to catch up with all I've missed!

The two most important things I've learned are:

1. Keep utilization low.

2. Gardening is your friend.  It really helps to strengthen your scores.

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Welcome my friend you've been missed 

Good points to pass on

[myjourney]

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@tcbofade wrote:

1. Got an itch? There's a card for that.

2. Wait til next month...there'll be ANOTHER card for that. 

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Welcome buddy 

Lol

Don't pass that on to others 

[MsLadyRover]

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@myjourney wrote:

---

Hey there! Hi there!

How is everyone?

I'm good and happy to have some free time to catch up with all I've missed!

The two most important things I've learned are:

1. Keep utilization low.

2. Gardening is your friend.  It really helps to strengthen your scores.

---

Welcome my friend you've been missed 

Good points to pass on

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Thanks. I've missed all of you too.

[Anonymous]

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myjourney wrote:

Tonight's question?

What's the 2 most important things you've learned about credit and would share with others?

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1. Advice I'd give my younger self: "Go ahead and get yourself some credit while you're young..."

2. ... but never charge more than you can pay off with a single paycheck.

[coldnmn]

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@myjourney wrote:

On behalf of the GC club

Welcome To The Gardens Friday Night Social Event

Garden rules apply

No Drapping Allowed

Respect Everyone's Opinion

Drink responsibly in the virtual world as well as in the real world

Have fun

Any Friday is : Open Forum ....answer a question or ask a question.

If you're new to the garden and would like to know something about the garden or have questions please ask.

If we can't answer it we will point you in the right direction.

Tonight's question?

What's the 2 most important things you've learned about credit and would share with others?

Tonight's Menu

Bennihana is catering for us tonight. :-)

Drink Menu

Wine and Beer

Non alcoholic drinks available

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1. Apply for only what you need

2. Keep utilization down

Sharing hmmmm!  I find it hard to find someone that doesn't want instant gratification. Most will agree but seldom follow through. 

[Imperfectfuture]

Responsibly drinking in the real world (b'day early prep).

1.  Having used cash rewards for 5+ years, rewards cards are for PIF,

2. Research your future apps and know you really want the card (or is a valid stepping stone for getting), before apping.  Helpful while in the garden, goals change as one changes.

[myjourney]

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@Anonymous wrote:

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@myjourney wrote:

Tonight's question?

What's the 2 most important things you've learned about credit and would share with others?

---

1. Advice I'd give my younger self: "Go ahead and get yourself some credit while you're young..."

2. ... but never charge more than you can pay off with a single paycheck.

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More good answers ...I wish I had maintaned good credit when I was young 

Thanks for sharing