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Established Contributor
Posts: 619
Registered: ‎09-26-2011
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Re: Living in credit "fear"


InvincibleSummer2 wrote:

For me, it's not just credit fear - it's "not having any financial stability whatsoever" fear.  I always have to double-check, usually in the restaurant parking lot, that I have enough for the meal if I'm planning on paying with a debit card. I've driven cars with expired tags, so I still get a "uh-oh" kind of feeling when I see a police car as I'm driving in traffic.

For me it was really all tied in with a part of my life where I wasn't taking very good care of myself. Fortunately, I'm not in that position any more.


Y'know,  I think you nailed it for me.  I had a long stretch in life where there was no financial stability.  Now that there is some, it's still hard to get past that self-doubt and fear.

 

As far as being "spoiled", I'm sorry, but unless you're walking in my shoes, please refrain from name-calling.  You have NO idea what my life is like and why refrigeration and cooking appliances are a necessity for my family that I am willing to take some credit debt on for in the short-term. That sounded very "I walked to school uphill both ways in the snow, barefoot, on broken glass" to me. 

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
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Re: Living in credit "fear"


thankfulheart wrote:

InvincibleSummer2 wrote:

For me, it's not just credit fear - it's "not having any financial stability whatsoever" fear.  I always have to double-check, usually in the restaurant parking lot, that I have enough for the meal if I'm planning on paying with a debit card. I've driven cars with expired tags, so I still get a "uh-oh" kind of feeling when I see a police car as I'm driving in traffic.

For me it was really all tied in with a part of my life where I wasn't taking very good care of myself. Fortunately, I'm not in that position any more.


Y'know,  I think you nailed it for me.  I had a long stretch in life where there was no financial stability.  Now that there is some, it's still hard to get past that self-doubt and fear.

 

As far as being "spoiled", I'm sorry, but unless you're walking in my shoes, please refrain from name-calling.  You have NO idea what my life is like and why refrigeration and cooking appliances are a necessity for my family that I am willing to take some credit debt on for in the short-term. That sounded very "I walked to school uphill both ways in the snow, barefoot, on broken glass" to me. 


I wasn't referring to cooking and refrigeration.  I find those necessities in life.  New furniture...not so much.

 

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Posts: 13,686
Registered: ‎04-15-2011
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Re: Living in credit "fear"

No dining room table yet myself, been in the new house a year.  Just haven't got to it.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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Re: Living in credit "fear"

We filled our new house with craigslist furniture and stuff bought at places like Habitat For Humanity.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
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