So of my own accord, I've decided to temporarily curtail my guitar buying and building, and I tweaking my pretty badly.
We are hoping to buy a house, so instead of buying guitars, I'm paying off revolving credit accounts so I can save some money and be in a good spot. There are only 2 now and they're interest free. I use revolving credit to keep my credit rating smooth, and for fun money, and now I'm pretty much dyeing .
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I'm finally back in build mode so I've been on a bit of a buying spree here lately ... spent the last couple years in exactly your spot, just itching to spend
Have you asked your doctor about Ric620?
Ric620 has proven 100% effective* among all jubal81s in curing recurring guitar GAS, resulting in a reduction to a single instrument after steady use over several years.
*Results may vary. Effectiveness of Ric620 shown in trials against 6-string instruments. Side effects include reports of 12-string instrument GAS.
(https://58eca9fdf76150b92bfa-3586c28d09a33a8c605ed79290ca82aa.ssl.cf3.rackcdn.com/rickenbacker-620-mapleglo-pre-owned-336709.jpg)
Quote from: jubal81 on March 09, 2018, 08:54:01 PM
Have you asked your doctor about Ric620?
Ric620 has proven 100% effective* among all jubal81s in curing recurring guitar GAS, resulting in a reduction to a single instrument after steady use over several years.
*Results may vary. Effectiveness of Ric620 shown in trials against 6-string instruments. Side effects include reports of 12-string instrument GAS.
(https://58eca9fdf76150b92bfa-3586c28d09a33a8c605ed79290ca82aa.ssl.cf3.rackcdn.com/rickenbacker-620-mapleglo-pre-owned-336709.jpg)
That's exactly what I need!
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Quote from: jubal81 on March 09, 2018, 08:54:01 PM
Have you asked your doctor about Ric620?
Ric620 has proven 100% effective* among all jubal81s in curing recurring guitar GAS, resulting in a reduction to a single instrument after steady use over several years.
*Results may vary. Effectiveness of Ric620 shown in trials against 6-string instruments. Side effects include reports of 12-string instrument GAS.
(https://58eca9fdf76150b92bfa-3586c28d09a33a8c605ed79290ca82aa.ssl.cf3.rackcdn.com/rickenbacker-620-mapleglo-pre-owned-336709.jpg)
EEERRRUUUUGGGHHHHHHHHH. Now why you gotta do that?
Quote from: jimilee on March 09, 2018, 08:02:05 PM
So of my own accord, I've decided to temporarily curtail my guitar buying and building, and I tweaking my pretty badly.
We are hoping to buy a house, so instead of buying guitars, I'm paying off revolving credit accounts so I can save some money and be in a good spot. There are only 2 now and they're interest free. I use revolving credit to keep my credit rating smooth, and for fun money, and now I'm pretty much dyeing .
I hear ya! My income has dipped over the past year and so I haven't been spending as much. And I've been trying to save up for a nice audio interface for the computer to get back to doing some recording. And since getting into some modular synth stuff, I've spent quite a bit more there than for guitar pedals. So I've recently been playing inexpensive computer games. There's a few pedal projects that I could finish without spending much, so I can always fall back on that.
Pedals aren't a problem, it's guitar money that I don't want to spend.
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Quote from: HamSandwich on March 09, 2018, 08:59:13 PM
Quote from: jubal81 on March 09, 2018, 08:54:01 PM
Have you asked your doctor about Ric620?
Ric620 has proven 100% effective* among all jubal81s in curing recurring guitar GAS, resulting in a reduction to a single instrument after steady use over several years.
*Results may vary. Effectiveness of Ric620 shown in trials against 6-string instruments. Side effects include reports of 12-string instrument GAS.
(https://58eca9fdf76150b92bfa-3586c28d09a33a8c605ed79290ca82aa.ssl.cf3.rackcdn.com/rickenbacker-620-mapleglo-pre-owned-336709.jpg)
EEERRRUUUUGGGHHHHHHHHH. Now why you gotta do that?
Yeah, I haven't had GAS for years (because I'm pretty much always broke) but man that reminds me how much I've always wanted a ric.
I went with a different approach. I borrowed a couple of old Marshall heads. Soon, my hearing will be totally gone and I can sell everything.
WHAT???
When I'm working, I have money for parts, but no time to do what I want with them.
When I'm off work, I have time to mess about with circuitry, but no money for the parts.
Quote from: jimilee on March 09, 2018, 08:02:05 PM
So of my own accord, I've decided to temporarily curtail my guitar buying and building, and I tweaking my pretty badly.
We are hoping to buy a house, so instead of buying guitars, I'm paying off revolving credit accounts so I can save some money and be in a good spot. There are only 2 now and they're interest free. I use revolving credit to keep my credit rating smooth, and for fun money, and now I'm pretty much dyeing .
I don't get half of what you're trying to say here, it sounds like the kind of financial shenanigans which melted down the economy a decade ago, but methinks that when you have debts in any shape or form, guitars (or basically anything) are not something you should buy, period!
Quote from: alanp on March 10, 2018, 03:29:37 AM
When I'm working, I have money for parts, but no time to do what I want with them.
When I'm off work, I have time to mess about with circuitry, but no money for the parts.
Yup, that's pretty much it. If you're lucky and do either for long enough the deep sea pressure effect starts to happen. Like a deep sea fish you get used to it and you manage to find some spare time, or spare money.
Never mind
Quote from: Muadzin on March 12, 2018, 11:10:06 PM
I don't get half of what you're trying to say here, it sounds like the kind of financial shenanigans which melted down the economy a decade ago, but methinks that when you have debts in any shape or form, guitars (or basically anything) are not something you should buy, period!
I'm sure that Jimi can manage his own finances.
That said, in my own lean times I've sold off gear without too much thought. Occasionally I've come to regret it but most of the time I realize I still have too much so I don't dwell on it. Probably because for 10 years all I had was one semi-working Strat, two pedals and a dang Peavey Bandit amp!
My biggest regret was selling off my original Ibanez s540 in my 20's to pay my friggin' rent. I felt terrible about it for years. I actually bought another one a few years ago but flipped it pretty quickly when I realized "yeah, I don't play the way this guitar wants me too anymore" :) Luckily I got that out of my system.
Quote from: madbean on March 13, 2018, 01:21:55 AM
Quote from: Muadzin on March 12, 2018, 11:10:06 PM
I don't get half of what you're trying to say here, it sounds like the kind of financial shenanigans which melted down the economy a decade ago, but methinks that when you have debts in any shape or form, guitars (or basically anything) are not something you should buy, period!
I'm sure that Jimi can manage his own finances.
That said, in my own lean times I've sold off gear without too much thought. Occasionally I've come to regret it but most of the time I realize I still have too much so I don't dwell on it. Probably because for 10 years all I had was one semi-working Strat, two pedals and a dang Peavey Bandit amp!
My biggest regret was selling off my original Ibanez s540 in my 20's to pay my friggin' rent. I felt terrible about it for years. I actually bought another one a few years ago but flipped it pretty quickly when I realized "yeah, I don't play the way this guitar wants me too anymore" :) Luckily I got that out of my system.
Thank you Brian. Maybe I should clarify, I'm not struggling by any means, as a matter of fact, I'm doing fine. I just am tightening my belt so I can save more for a bigger down payment to buy my wife the house she wants and deserves.
Wow, this seems to have gotten out of control.
Quote from: madbean on March 13, 2018, 01:21:55 AM
Quote from: Muadzin on March 12, 2018, 11:10:06 PM
I don't get half of what you're trying to say here, it sounds like the kind of financial shenanigans which melted down the economy a decade ago, but methinks that when you have debts in any shape or form, guitars (or basically anything) are not something you should buy, period!
I'm sure that Jimi can manage his own finances.
That said, in my own lean times I've sold off gear without too much thought. Occasionally I've come to regret it but most of the time I realize I still have too much so I don't dwell on it. Probably because for 10 years all I had was one semi-working Strat, two pedals and a dang Peavey Bandit amp!
My biggest regret was selling off my original Ibanez s540 in my 20's to pay my friggin' rent. I felt terrible about it for years. I actually bought another one a few years ago but flipped it pretty quickly when I realized "yeah, I don't play the way this guitar wants me too anymore" :) Luckily I got that out of my system.
Brian, with a little bit of planning and careful savings, I am fully confident that you can once again own a Peavey Bandit. Dreams do come true.
WHAT??
Quote from: pickdropper on March 13, 2018, 01:42:20 AM
Brian, with a little bit of planning and careful savings, I am fully confident that you can once again own a Peavey Bandit. Dreams do come true.
Forrest can attest to the fact that I did indeed design a pedal version of the Bandit. Both channels!
Quote from: madbean on March 13, 2018, 02:16:50 AM
Quote from: pickdropper on March 13, 2018, 01:42:20 AM
Brian, with a little bit of planning and careful savings, I am fully confident that you can once again own a Peavey Bandit. Dreams do come true.
Forrest can attest to the fact that I did indeed design a pedal version of the Bandit. Both channels!
Yes, but does it scratch the same itch?
Quote from: jimilee on March 13, 2018, 01:29:22 AM
Quote from: madbean on March 13, 2018, 01:21:55 AM
Quote from: Muadzin on March 12, 2018, 11:10:06 PM
I don't get half of what you're trying to say here, it sounds like the kind of financial shenanigans which melted down the economy a decade ago, but methinks that when you have debts in any shape or form, guitars (or basically anything) are not something you should buy, period!
I'm sure that Jimi can manage his own finances.
That said, in my own lean times I've sold off gear without too much thought. Occasionally I've come to regret it but most of the time I realize I still have too much so I don't dwell on it. Probably because for 10 years all I had was one semi-working Strat, two pedals and a dang Peavey Bandit amp!
My biggest regret was selling off my original Ibanez s540 in my 20's to pay my friggin' rent. I felt terrible about it for years. I actually bought another one a few years ago but flipped it pretty quickly when I realized "yeah, I don't play the way this guitar wants me too anymore" :) Luckily I got that out of my system.
Thank you Brian. Maybe I should clarify, I'm not struggling by any means, as a matter of fact, I'm doing fine. I just am tightening my belt so I can save more for a bigger down payment to buy my wife the house she wants and deserves.
Wow, this seems to have gotten out of control.
Wow, it would seem that my comment has caused offense, if that's the cause, my apologies. But I really find it hard to make sense of things like revolving credit accounts, and to me those just sound like you or your wife bought stuff on credit. Which in my humble opinion is always a bad thing. Now I don't live in North America, all I know is that from what I hear using credit cards is pretty normal over there, but its less common over here. So to me it sounds like weird financial wizardry, which after the fun that was not over these past 10 years sounds like something that is best avoided. I don't fault you over your guitar buying, if you can afford it. If anything I'm the last person who could blame you over that. Over the years I've made many frivolous buys, sold stuff I regret, sold it for too little, bought stuff for too much. But thankfully I've always managed to stay in the black and am without debt. I'd rather agree to be a guinea pig for medical testing then to enter into debt. Hell, I've done that. But I'm weird like that.
Long story short, it just sounded weird. If you had said something like, yup, I've sold stuff, we're now debt free and saving money for a home, that would have made sense. Now it sounded like I sold stuff, did this, this and this kind of weird sounding credit thingy, we're now having something low interest credit thingy, and that to me, that still sounds weird. Again, I'm weird like that.
Anyway, no offense meant, just massively puzzled.
Quote from: Muadzin on March 13, 2018, 01:15:53 PM
Quote from: jimilee on March 13, 2018, 01:29:22 AM
Quote from: madbean on March 13, 2018, 01:21:55 AM
Quote from: Muadzin on March 12, 2018, 11:10:06 PM
I don't get half of what you're trying to say here, it sounds like the kind of financial shenanigans which melted down the economy a decade ago, but methinks that when you have debts in any shape or form, guitars (or basically anything) are not something you should buy, period!
I'm sure that Jimi can manage his own finances.
That said, in my own lean times I've sold off gear without too much thought. Occasionally I've come to regret it but most of the time I realize I still have too much so I don't dwell on it. Probably because for 10 years all I had was one semi-working Strat, two pedals and a dang Peavey Bandit amp!
My biggest regret was selling off my original Ibanez s540 in my 20's to pay my friggin' rent. I felt terrible about it for years. I actually bought another one a few years ago but flipped it pretty quickly when I realized "yeah, I don't play the way this guitar wants me too anymore" :) Luckily I got that out of my system.
Thank you Brian. Maybe I should clarify, I'm not struggling by any means, as a matter of fact, I'm doing fine. I just am tightening my belt so I can save more for a bigger down payment to buy my wife the house she wants and deserves.
Wow, this seems to have gotten out of control.
Wow, it would seem that my comment has caused offense, if that's the cause, my apologies. But I really find it hard to make sense of things like revolving credit accounts, and to me those just sound like you or your wife bought stuff on credit. Which in my humble opinion is always a bad thing. Now I don't live in North America, all I know is that from what I hear using credit cards is pretty normal over there, but its less common over here. So to me it sounds like weird financial wizardry, which after the fun that was not over these past 10 years sounds like something that is best avoided. I don't fault you over your guitar buying, if you can afford it. If anything I'm the last person who could blame you over that. Over the years I've made many frivolous buys, sold stuff I regret, sold it for too little, bought stuff for too much. But thankfully I've always managed to stay in the black and am without debt. I'd rather agree to be a guinea pig for medical testing then to enter into debt. Hell, I've done that. But I'm weird like that.
Long story short, it just sounded weird. If you had said something like, yup, I've sold stuff, we're now debt free and saving money for a home, that would have made sense. Now it sounded like I sold stuff, did this, this and this kind of weird sounding credit thingy, we're now having something low interest credit thingy, and that to me, that still sounds weird. Again, I'm weird like that.
Anyway, no offense meant, just massively puzzled.
Thank you sir. Credit and credit ratings are necessary to borrow the money to buy a house. If you manage your credit cards responsibly, you can increase your rating and still buy a few things you'd like to have. I'd rather use cash, but you can't build your credit that way.
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When I applied for a loan to buy my first car, the car dealer told me that the loan company rang him to ask if I really existed, since I didn't exist in any credit databases at the time.
Quote from: alanp on March 14, 2018, 05:27:06 AM
When I applied for a loan to buy my first car, the car dealer told me that the loan company rang him to ask if I really existed, since I didn't exist in any credit databases at the time.
I was the same way when I moved off for grad school. I'd been on my own for years, but ended up needing to put my Dad's name on my new apartment lease and cable account because I had never bothered with a credit card before. Bleh.
Indeed credit history does help.
When I was in my early 20's, I had fewer responsibilities, so it was easier to set aside cash for gear. I'd save up the cash for what I needed and then I'd finance the purchase anyway.. I'd do the 6 months same as cash financing, pay them off in 3 with the money I had waiting so I built up my credit while paying zero interest. It seemed to help get things started.
Quote from: pickdropper on March 14, 2018, 11:22:32 AM
Indeed credit history does help.
When I was in my early 20's, I had fewer responsibilities, so it was easier to set aside cash for gear. I'd save up the cash for what I needed and then I'd finance the purchase anyway.. I'd do the 6 months same as cash financing, pay them off in 3 with the money I had waiting so I built up my credit while paying zero interest. It seemed to help get things started.
Zero interest is the name of the game for sure. What little revolving credit I owe is all zero interest, and you get extra points for paying it off early.
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My early financial wizardry with credit cards was when I got my first white collar job and I was broke as fuck. The only way I could buy 5 suits, no spare just 5 for the days of the week, was to ring up my credit card. Early on, when I was still broke as fuck, I had other shenanigans such as paying for my MBA on credit trying to pay it back feverishly as I figured investing in my future was a good thing in the long run. Other haphazard irresponsibility's was me paying for my wife's partial intestinal removal from Crohn's on credit as I was broke as shit, which is better than fuck by the way, but broke nonetheless.
Reinterpreted: Sometimes life hands you a shit sandwich and you eat it because you have to.
Quote from: TNblueshawk on March 14, 2018, 06:33:10 PM
My early financial wizardry with credit cards was when I got my first white collar job and I was broke as fuck. The only way I could buy 5 suits, no spare just 5 for the days of the week, was to ring up my credit card. Early on, when I was still broke as fuck, I had other shenanigans such as paying for my MBA on credit trying to pay it back feverishly as I figured investing in my future was a good thing in the long run. Other haphazard irresponsibility's was me paying for my wife's partial intestinal removal from Crohn's on credit as I was broke as shit, which is better than fuck by the way, but broke nonetheless.
Reinterpreted: Sometimes life hands you a shit sandwich and you eat it because you have to.
True story, I had to file bankruptcy early 2000s maybe mostly because of cards, and the fact that I worked retail when the twin towers thing happened.
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I agree with Muadzin in regards to our views of the north american banking system. I'm not really aware of how it works, but it often sounds like mambo-jumbo to me, because it's so different. Maybe it's also because I was never in any financial troubles and was lucky in that way, but I also have never bought a car, house or appartement yet.
Good luck on your diet, Jimi. I hope your new house has space for a guitar-room + storage :)
As someone who has lived in both the US and Europe I can say the system in the US is pretty messed up. I know no one here in France that has a credit card. Just debit. We are not encouraged to go into debt like in the US. It also helps that no one goes into massive debt for university or health care costs also.
If you use a credit card and pay it off Everytime in the US there are often some nice advantages, airline miles, money back, etc. But if you don't pay it back you get screwed. If everyone paid on time there would be no reason for them to exist. They really prey on 18-21 year olds who recklessly buy crap and go into a lot of debt young. About 10 years ago banks would give mortgages to almost anyone that had a pulse.
Me and my wife have been searching to buy an apartment in Paris. I have no credit history at all in France and she has zero also. The bank only asked us for work contracts, pay stubs, bank statements and monthly statements from our landlords.
Anyway. Good luck in the house search. It can be pretty long and frustrating. Hope you find what you're looking for.
Quote from: bsoncini on March 16, 2018, 11:44:51 AM
As someone who has lived in both the US and Europe I can say the system in the US is pretty messed up. I know no one here in France that has a credit card. Just debit. We are not encouraged to go into debt like in the US. It also helps that no one goes into massive debt for university or health care costs also.
If you use a credit card and pay it off Everytime in the US there are often some nice advantages, airline miles, money back, etc. But if you don't pay it back you get screwed. If everyone paid on time there would be no reason for them to exist. They really prey on 18-21 year olds who recklessly buy crap and go into a lot of debt young. About 10 years ago banks would give mortgages to almost anyone that had a pulse.
Me and my wife have been searching to buy an apartment in Paris. I have no credit history at all in France and she has zero also. The bank only asked us for work contracts, pay stubs, bank statements and monthly statements from our landlords.
Anyway. Good luck in the house search. It can be pretty long and frustrating. Hope you find what you're looking for.
I would tend to agree with this. I assume that if it can't be paid back by the end of the month, I can't afford it in the first place; credit cards are for convenience.
Now, there are certainly emergency situations, but I'm not paying over 10% interest on a steak dinner.
I would add this bit for the Europeans.
For the past few decades we have used a credit card to our advantage. Bsoncini reminded me of this with the airline miles. We obtained a Southwest Visa many years ago. When we would make big purchases, furniture or whatever comes around in life, we would purposely put it on the credit card and then turn around and write them a check to pay it off. Now, the key is the do that last part of course. By us not taking advantage of this it seemed to me we were literally tossing away free money as in plane flights for vacation.
To this day with the same Southwest Visa, I have not paid for a plane flight in many years, 6 or 7 maybe, and my wife has flown for free many times. Admittedly part of that is I travel some for work so that helps build the points but then if I don't have the credit card then it would not build towards anything.
Like anything in life, manage the situation to your advantage assuming you have the means, which we did not very early on but later on did.
I'll add that with my first car, while I was paying off the loan with the pre-arranged payments, I was also saving up at the same time, and paid the balance off halfway through the repayment period.
I don't think the finance company was happy with that (probably because they lost the interest for the second half), since when I bought my second car (always check your radiator levels before six hour trips, people), they told me to bugger off.
I went with a second company who were happy to deal with me, no problem. The truly funny part was a month later, when I received a letter from the first company who asked me to consider them in future when buying a new car...
Sometimes it does make sense to have loans/things on the credit card. Like was mentioned, I have totally taken advantage of free miles for credit cards. American Express used to have a deal where if you put $2000 on a credit card, you got the equivalent of $500 in flyer miles, or at one time, $500 in gift cards to like Home Depot. I put $2000 of everyday expenses on the card, paid it off right away, and used the extra gift cards to buy my Table Saw, Miter Saw, Spindle Sander and Planer. So I made out pretty good on those.
Another example, my wife and I just bought a new car, planning on buying in cash. The dealership was offering a deal if you finance $10,000, they take $750 off. Ok, I'll pay about $80 in interest to save $750...
No interest with credit cards is the only way to go for me.
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Taking advantage of the credit card benefits is definitely nice. I never did it when I was is the US though, I guess I was too young. But it seems to me as part of the problem. I am an American and french citizen and it might be the French part of me talking now.
They entice people to buy things with credit with the benefits of airline miles, money back, lower car rates, etc. But they are hoping that something happens in your life like a layoff, unexpected medical problem, etc. And you can't pay it off and you go into debt.
In a weird way it is a sort of redistribution of wealth. The less fortunate who are using credit cards to pay for credit cards paying for people who are more fortunate for free fights, table saws etc. For many of these people it is a vicious circle. Get a credit card to pay off the other, take a quick payday loan to pay the mortgage.
I'm not judging anyone that takes advantage of the benefits. If you can and it's offered why not. But it's not just people who are stupid and make bad decisions that are funding it
I guess this is a bit different from building a credit score to buy a house. But nonetheless interesting. At least for me.
Quote from: bsoncini on March 16, 2018, 09:21:41 PM
Taking advantage of the credit card benefits is definitely nice. I never did it when I was is the US though, I guess I was too young. But it seems to me as part of the problem. I am an American and french citizen and it might be the French part of me talking now.
They entice people to buy things with credit with the benefits of airline miles, money back, lower car rates, etc. But they are hoping that something happens in your life like a layoff, unexpected medical problem, etc. And you can't pay it off and you go into debt.
In a weird way it is a sort of redistribution of wealth. The less fortunate who are using credit cards to pay for credit cards paying for people who are more fortunate for free fights, table saws etc. For many of these people it is a vicious circle. Get a credit card to pay off the other brake a quick payday loan to pay the mortgage.
I'm not judging anyone that takes advantage of the benefits. If you can and it's offered why not. But it's not just people who are stupid and make bad decisions that are funding it
I guess this is a bit different from building a credit score to buy a house. But nonetheless interesting. At least for me.
It does indeed happen like that. Entirely too many people carry heavy credit card debt. I've had friends that had maxed out cards and were paying absurd amounts of interest each month; and they had very good jobs. One in particular furnished his house that way. It's really a rough way to handle finances. I had another friend who ended up selling their house and moving his family back with his parents for a year so he could step back, reduce living expenses simply to clear debt and start over. It was a smart, if somewhat drastic move.
As far as the emergency scenarios popping up, all of that underlies the importance of actually having savings. If so, something can usually pop up and credit cards can still be paid off at the end of the month. That involves not living above your means in the first place, which is really what all of this boils down to, I suspect. Credit cards themselves are just a means of convenience. It's when people using them as a means of financing that things can get dicey.
When I divorced my last wife, I found out she had over 60k in credit card debt.
I was blown away, still am.
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The North American finance business really relies on debt to create wealth. It's not a good longterm wealth creator, though.
The rewards (miles, cash back) are just a way to help customers to rationalize/justify over-consumption. It's a artful way the marketers inject noise into the decision-making process.
No judgement toward any individuals or financial plan is intended in the following contribution to this thread.
About 10 years ago I heard a financial counselor indicate that credit card users spend about 12% more than non-card users. At that time I used cards for the convenience and never carried a balance. However, after hearing the spending statistic, Mrs Larynx and I cut up all our cards, paid off the car loan, closed and 'froze' all the credit accounts, and started paying cash for everything. Our goal is to never borrow another dime.
I recognize that this thread has migrated from G.A.S. to Debt and finances so I'll try to bring it back around...Jimi is right; 'not buying stuff sucks a lot'...until a person finds contentment. I search for it and find it on occasion, but I have to be careful, because too much contentment sometimes gives me G.A.S. ::)
The older I get, I appreciate more of what I have. That doesn't stop me from wanting to buy new things.
It just helps keep things in perspective. America is a consumer nation. It's pretty much what we do.
We've just been brought up that way. I'm as guilty of the next man of wanting more and more, but I've gotten
better at saying "no". ( or at least, "wait" )
One thing that I really love about DIY, is that it helps me appreciate what I have.
It's very cool to buy something, but it's even cooler to have something cool that you made with your own two hands.
Quote from: jimilee on March 17, 2018, 01:11:32 PM
When I divorced my last wife, I found out she had over 60k in credit card debt.
I was blown away, still am.
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Hopefully she took that debt with her in the divorce.
Quote from: bsoncini on March 19, 2018, 11:22:49 PM
Quote from: jimilee on March 17, 2018, 01:11:32 PM
When I divorced my last wife, I found out she had over 60k in credit card debt.
I was blown away, still am.
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Hopefully she took that debt with her in the divorce.
Oh yeah
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