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State-by-state guide on maintaining firearm ownership
Domain guide on mutual aid and foodbank resources
Tips for looking at financials of non-profits (How to donate amainly)
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https://x.com/adamscochran/status/1995501382171025884
My money is on the Chinese shutting down their gamer gatcha market to Japan dominoing to the AI market imploding via Nvidia going bankrupt or some shit
I mean, not really if you treat it like a debit card and never spend more than you actually have in the bank. Then you benefit from whatever points or rewards your credit card offers
I’ve never heard that saying before, I like it!
Yeah it’s certainly a slippery slope that has some serious consequences if you don’t use discipline and stay within your budget
I don't know that it's a saying, except in the sense that it's a thing that I said just now.
For me, it's a cashflow thing. If I use credit that's one month I do not have to spend my own money on something - it also allows for larger purchases in one place, whereas I might have to move a bunch of money around and wait days if I paid cash.
Credit card companies make their money on merchant fees, the people who get trapped in cycles of debt are just the gravy on top for the fuckers.
So what happens if someone who isn't lucky enough to have a good education in finance experiences sudden financial hardship and then relies on paying more on credit than they have in the bank? (An extremely common occurrence) Would you say the debt makes the situation better or worse?
And then, does that make you rethink whether its "not really" bad?
You refinance or ask your credit card companies for grace.
Or go bankrupt.
Very good point. I was responding to the “everyday purchases” not being all that bad to use a credit card for if you already have the money for it.
Sudden financial hardship is a much different situation and I agree, the debt would make it worse
Right, but I think the implication in "people" after "95% of sales" there is pretty clearly "our whole society", which presents the above problems. With the context, it made your comment read as "this doesn't need to change, and if it goes bad, it's your fault". But I'm glad you understand. We just very commonly have people from the Lemmiverse here with comments to the effect of "the status quo is good, actually".
Credit is evil, I agree. I also feel terrible knowing that whatever treatlerite points I get are paid for by someone getting fucked over. Either through transaction fees or insane interest rates.