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@eddified Some people are strict on the “never finance a car” mindset and that’s fine. An alternate perspective is to look at the 20/4/10 rule to ensure that payments don’t stretch you thin. If you want to be a little more conservative you can also modify this to a 20/3/8 rule. The way I see...

@homohabilis117 Yes!! That’s basically what I do. It’s like a side quest in a video game. I love using Mint to manage my money because of all the pretty graphs and stuff, and visually seeing the debt number go down as my net worth increases is extremely satisfying.

@joy_m That was my mindset when I almost bought a new car (that I very much didn’t need) a couple years ago, and what I’ve been telling myself ever since. I could have bought that new car for $30,000, but since I didn’t, now I could buy a car for $40,000. And since I haven’t, in a few years...

@resjudicata Yes, but on balance you aren’t getting any “benefits” if you can’t use your card responsibly. Who cares if you’re getting 2% cash back if you can’t manage your debt?