How do I build my credit without loan?

**jjh221** · 01-31-2005, 05:54 PM

Originally Posted by nFiniteTuning

But isn't wasting money to you, still concidered someone else's treasure? Think about it, think about our main hobby here...Carputers..Spending the money to build a bad *** carputer system that makes our car like a space ship..and we'll spend any ammount of money for it...But other people see it as a huge waste of money. My oldest brother, he's obsessed with having the best of the best in computer hardware. a few months ago he bought a MSI Neo mainboard and the best 64 bit amd cpu you can get...a month later there was the MSI Neo2 and a better cpu...he bought that too...he constantly spends his money to have the best, because its his hobby, his obsession...but to alot of people, thats a major waste of money.

Well its a waste if you cant make anything of it. IMO. I waste money but im sure i only do it if i can. If im not investing then im not trying to spend any more money. I put a computer in my car for many reasons that will help me out in life. Especially GPS... im just trying to tell ya all that at our young ages its hard to waste money and be able to create something for our selfs unless we have a great job.

**jjh221** · 01-31-2005, 05:57 PM

yeah the best way to gain credit is to spend it(money) correctly. Id get your card and pay gas and dates on it.

**nFiniteTuning** · 01-31-2005, 06:02 PM

Originally Posted by jjh221

yeah the best way to gain credit is to spend it(money) correctly. Id get your card and pay gas and dates on it.

Yeah, but if you want it, nothing else should matter. as long as it satisfies you.

**jjh221** · 01-31-2005, 06:04 PM

thats right but its hard to raise a family in the future inside a car. Maybe a van but a car would be cramped lol...

edit: i was going to buy a honda S2000, but i changed my mind.

**nFiniteTuning** · 01-31-2005, 06:10 PM

Which is why I shouldn't even try to get the 33k car, and just get the car that I can probably get down to 17k...and spend a total of 600 a month on car insurance and car payments...and the rest to spend on a nice home and anything else we could want. I'm not going to rent the house btw, I'm lookin to buy. My moms friend has been renting this 800 dolor a month 3 bedroom house for the past 22 years...and they are about to retire! EEEK NO!

**Laidback** · 01-31-2005, 06:11 PM

Originally Posted by nFiniteTuning

But isn't wasting money to you, still concidered someone else's treasure? Think about it, think about our main hobby here...Carputers..Spending the money to build a bad *** carputer system that makes our car like a space ship..and we'll spend any ammount of money for it...But other people see it as a huge waste of money. My oldest brother, he's obsessed with having the best of the best in computer hardware. a few months ago he bought a MSI Neo mainboard and the best 64 bit amd cpu you can get...a month later there was the MSI Neo2 and a better cpu...he bought that too...he constantly spends his money to have the best, because its his hobby, his obsession...but to alot of people, thats a major waste of money.

Of course, It doesn't matter what you 'waste' your money on, most of us are good at it!

**jjh221** · 01-31-2005, 06:16 PM

Originally Posted by nFiniteTuning

Which is why I shouldn't even try to get the 33k car, and just get the car that I can probably get down to 17k...and spend a total of 600 a month on car insurance and car payments...and the rest to spend on a nice home and anything else we could want. I'm not going to rent the house btw, I'm lookin to buy. My moms friend has been renting this 800 dolor a month 3 bedroom house for the past 22 years...and they are about to retire! EEEK NO!

Im curious what your girl does... Dont have to tell me. Maybe she would like to think about buying an investment property and perhaps making some money off of it.

What ever you do remember the bottom line or your gross income. Also you said it first, things do not last and that they break. You will need money for those things and for mistakes.

**Laidback** · 01-31-2005, 06:20 PM

Originally Posted by jjh221

Im curious what your girl does... Dont have to tell me. Maybe she would like to think about buying an investment property and perhaps making some money off of it.

What ever you do remember the bottom line or your gross income. Also you said it first, things do not last and that they break. You will need money for those things and for mistakes.

You're kidding! Girls break?? ****!

**jjh221** · 01-31-2005, 06:21 PM

either their minds or their um... dont be to rough with them laidback

**Grayscale** · 01-31-2005, 06:23 PM

i've got a friend that as soon as he was 18 got a card and started buying crap all the time but paying it off, and never maxing it. and he has a cell phone that he pays always on time, and now he has great credit