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Originally Posted by Ignorant
You know, you've said I reminded you of your pops before... hmmm, is that why you want me, baby?? You know what they say? Girls are looking for their fathers... and boys are looking for their mothers... and my wife does remind me of my mother, especially with the naggin'.
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you know... that might just be it... the last guy i was seeing reminded me a lot of my father, too... traits good and bad... hmmmm.
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As for money management, it's all about discipline... I know cats who make $70K a year, yet are always broke and on the verge of bankruptcy... and I know cats who make $30K, have excellent credit and live well.
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well, i don't work... i'm a student so i'm sacrificing $$$ right now to go to school full-time... it sucks because i left a $40,000/yr position to do it, but i think it'll pay off in the end. So, yeah, i definitely need to learn to manage the money i do have coming in... maybe i'll have my dad work n a new budget for me.
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I try to get wifey to do the same thing, but she won't listen... she gets her compulsive spending from her mother. This woman (her mother) buys at least 2-3 DVDs per week.
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eating out is my weakness... i love dining out at leat once or twice a week
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That's a great start... but whatever you do, don't waste your money on those credit counseling/repair places... they're rip-offs!!
Here's a secret: analyze your credit reports and write letters to the companies of the really old debts to see if they can be forgiven... then it will be removed from your report... however, you would have to report the forgiven debt as INCOME on your next tax return. Uncle Sam is a sadist, I know. Most companies only go back 2 years, though, when evaluating credit for loans and stuff.
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i don't have much recent stuff... it's mostly stuff about 5+ years and older, and about to fall off... i can wait that stuff out, i don't plan on making any new purchases any time soon. my mother is working on the newer stuff... she's the expert at contacting the companies and negotiating things... i guess time is what i need right now.