Dreams about credit.

[Anonymous]

Thank you cheddar   i was sitting on my hands

[Anonymous]

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HappyDays wrote:

Thank you cheddar   i was sitting on my hands

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Why?  It needed to be said!

[Anonymous]

Right on, cheddar. Just what I was thinking but didn't want to write.

[Anonymous]

I sat on my hands because I wanted to get the wording better!

[bott6698]

i am dreaming about the new dodge challenger coming out this summer and being able to get my fico up so i can get a great interest rate. dti is currently under 20% so i am good to go hehe.

for those of you who haven't seen check this out.

www.dodge.com/challenger

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

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Why do you assume that those posting on this thread aren't where they want to be financially?

I don't think anyone here said anything about collection agencies calling or drowning in debt.

To the contrary, from what I gather from the prior posts, most on this thread seem to have learned their lessons from mistakes in the past, and are obsessive about not doing anything to end up in that situation ever again.

Message Edited by cheddar on 03-30-2008 10:03 PM

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cheddar,

I wasn't addressing anyone in particular, just stating some truths as I see them.

The OP expressed stress about credit that is keeping her awake at night. That's not a happy place to be, whatever the cause.

I stand by what I said -- improved financial security can lead to an improved emotional state.

Are you going to dispute that?

[scramblingin2007]

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watchnerd wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

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HI watch, I think most of us here are not in debt and do not have collection agencies calling us, we are just fico obsessed I just don't trust billpay and I have to check my online statements everyday to be sure all the money is where it needs to be on time. That is why I don't sleep well sometimes. I do agree with you one one point: once you are free you will feel stronger. This is true. I feel much stronger that I pif every month and do not owe anyone. That is a great feeling.

[scramblingin2007]

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haulingthescoreup wrote:
I dream about posting...

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You need help pumpkin!

[Anonymous]

Yeah. Great credit doesn't usually keep people up at night. LOL

speaking from experience from both sides of the fence.

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

---

Why do you assume that those posting on this thread aren't where they want to be financially?

I don't think anyone here said anything about collection agencies calling or drowning in debt.

To the contrary, from what I gather from the prior posts, most on this thread seem to have learned their lessons from mistakes in the past, and are obsessive about not doing anything to end up in that situation ever again.

Message Edited by cheddar on 03-30-2008 10:03 PM

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cheddar,

I wasn't addressing anyone in particular, just stating some truths as I see them.

The OP expressed stress about credit that is keeping her awake at night. That's not a happy place to be, whatever the cause.

I stand by what I said -- improved financial security can lead to an improved emotional state.

Are you going to dispute that?

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[Anonymous]

I have not had a LATEmare in a few months-

I used to do alot of credit/fico dreaming

Score is stable, $ is stable, bill pay is working great-

I leave MS Money up all the time- IT checks all the accounts daily.