November 2015 Garden Cult/Club

For just about anything you want to get off your chest about credit cards.
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Re: November 2015 Garden Cult/Club

Postby Tubpbs » Mon Nov 30, 2015 7:45 pm

yfan wrote:
Tubpbs wrote:Then the one guy explains, fairly nicely and civilly, that if your sister is relying on her Comenity card to buy gas to "make it home" that basically she is a moron and that's her own fault. I was much nastier about it, but I was actually nicer about it then I would have been in real life. It's really stupid. Something you know when you're 14 is stupid... Someone's response went so far as to suggest that cash is on its way out, which is possibly the stupidest thing I've heard in the last several years of my life... I want to make an account over there to try to explain these things but I feel like it's a supreme waste of my time...

I do think cash is slowly on its way out... but very slowly, and that way still has a very long stretch to go. It is true that I can go about my daily life and almost never have to use cash. But in the US at least, we are not even close to being able to go completely cashless. And as things stand now, you do not go on a road trip without the gas money in cash. Maybe you won't need it - in all likelihood you won't, but things like this can happen.

I think there is a distinction between cash being on a slow decline and cash being on its way out. I agree that as time goes on cash will be used less and less, however, there will be a limit on how much it drops off or people that are not part of the mainstream or illegal citizens for example (which there will always be) and anyone who wants to interact with them will have to result to barter or something of the like. Cash or its likeness will never disappear in one form or another. I do agree that it will likely plummet continually but reach a hard stopping point eventually.
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Re: November 2015 Garden Cult/Club

Postby Nixon » Mon Nov 30, 2015 8:54 pm

kdm31091 wrote:Well, that's why I think people setting 2 year gardening goals are unrealistic. 2 years is a long time, and you end up caving in. Better to set it in 3 or 6 month increments (and probably avoid forums if you are really serious about not apping, since most people seemingly cannot resist). However, on the flip side, if you really want to build a great credit profile and score, you cannot be applying for new cards every month or two. It just isn't normal (to creditors especially) and will eventually hold you back. It's better, IMO, to find what you want and stick with it, absent nerfing etc.

That move sounds great though....somewhere cheaper to live would be awesome.

They can only cry wolf so many times. :cool:

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Re: November 2015 Garden Cult/Club

Postby Vattené » Tue Dec 01, 2015 4:22 pm

Cash may be all but obsolete for a lot of people (including me), but we're still a long way off from completely discontinuing circulating any paper & coin currency!

Vermonster wrote:In other news, My wife was contacted by a headhunter for a job out of state. They would be doubling her salary, and we would be moving to an area that we love where the cost of living is about 40% of what it is now. It looks like the mortgage within the year is back on the table. It's hard to look at renting in an apartment building when we can buy a house, with space, for significantly less. I'm loving the idea of her working, and me spending all day fixing the house.

But, it is still all tentative as there is no offer on the table. I just can't stop thinking about making the move :cool:

Awesome news! Hope the offer comes through.

kdm31091 wrote:I also love all the people who make threads asking if they should app, and 5 out of 5 replies say "no, wait for your 500 inquiries to fall off", yet the person ends up apping anyway. So why even ask? If you've made up your mind, then why even make a thread and then ignore the responses? If you want to app, app. But it's stupid to ask about apping when clearly, you've already decided.

Also the people who said they were "gardening for 2 years" and a week later there they are in approvals saying they "just wanted one more card", as if it was some unavoidable thing. If the temptation of a 2% cash back card is too great when you already have a 1.5% card, you aren't going to make it long without apping. There will always be new offers, and you have to know when it's not the right time.

Forums can be a good tool if used to learn and sincerely seek advice from more experienced people, but for those types forums just serve to make them keep thinking about that next card they want. They might be better off if they avoided the forums all together, but instead it just encourages them to keep focusing on it. Poor impulse control and a lot of anonymous people egging you on is not a good mix.
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Re: November 2015 Garden Cult/Club

Postby kdm31091 » Tue Dec 01, 2015 4:55 pm

I think a lot of people who ended up on myfico were probably better off without it unfortunately. A site like this is a different story, because the crowd here is more level headed.

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Re: November 2015 Garden Cult/Club

Postby Gamma » Tue Dec 01, 2015 10:11 pm

What? No December garden/cult thread?! This is madness!

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