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Old 07-01-2012, 04:36 PM
marbro marbro is offline
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Default How many live without debt and instead live within your means?



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No credit cards
No car payments
No house payments
No morgage payments
No land payments

No back taxes

No DEBT?

You purchased only what you can pay for at the time of purchase. Not what you think you will be able to pay for through continual employment.
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Old 07-01-2012, 04:39 PM
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Quote:
Originally Posted by marbro View Post
No credit cards
No car payments
No house payments
No morgage payments
No land payments

No back taxes

No DEBT?

You purchased only what you cant pay for at the time of purchase. Not what you think you will be able to pay for through continual employment.
Im going to have to point something out here. According to what you are saying, then pretty much no one is ever going to own their own land or house. Most people, and I say most, can afford to buy either land or a house out right.
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Old 07-01-2012, 04:39 PM
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That would be me. Just rent, food, electricity and cable.
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Old 07-01-2012, 04:41 PM
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I filed Chapter 7 bankruptcy...No debit...All gone...
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Old 07-01-2012, 04:45 PM
marbro marbro is offline
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Im going to have to point something out here. According to what you are saying, then pretty much no one is ever going to own their own land or house. Most people, and I say most, can afford to buy either land or a house out right.
If saving for a house even if it takes 20-30 years is not an option you can rent to own. Moreover, you can live in a cheap trailer if that is all you can afford.

I know I sound crazy...... But so does buying a home that you can not afford thinking you will be employed long enough to pay for it in 30 years.
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Old 07-01-2012, 04:51 PM
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that is what my husband and I are doing... rent to own house, it's not the nicest house - but it is in our price range. After rent and bills we have a $5 dollar a day budget for food and household items.
We are very frugal as a result and I know how to stretch that dollar...
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Old 07-01-2012, 04:53 PM
marbro marbro is offline
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While all my cool friends bought nice cars and either are still paying for them or lost them...I paid cash outright for my jeep and it was a used jeep sitting on a farm wasting away. Its not as cool as being brand new but It was what I could afford and It still works great for me today

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Old 07-01-2012, 04:54 PM
nomadjanet nomadjanet is offline
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That would be me.
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Old 07-01-2012, 05:00 PM
wjayg wjayg is offline
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On 40K/year

2004 House - paid - 1465 sq ft, granite, nice neighborhood
2005 GMC Z71 Ext Cab w/ 28K - paid
1986 300ZX w/ 80K - paid
1993 SHO w/ 85K - Paid
1992 DR350 w/ 2K - Paid
2007 Starcraft Tent Trailer - Paid

no debt, none

very furgal, 51 years old, I pay cash, no credit cards
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Old 07-01-2012, 05:15 PM
Grandpa Pipes Grandpa Pipes is offline
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Quote:
Originally Posted by marbro View Post
No credit cards
No car payments
No house payments
No morgage payments
No land payments

No back taxes

No DEBT?

You purchased only what you can pay for at the time of purchase. Not what you think you will be able to pay for through continual employment.
Quote:
Originally Posted by hawk55732 View Post
Im going to have to point something out here. According to what you are saying, then pretty much no one is ever going to own their own land or house. Most people, and I say most, can afford to buy either land or a house out right.
There is a lot of misconception about this topic in todays world.

No One can ever own land. The land all belongs to the state/federal gov't. The house and all the building you can own but never the land.

As to the rest for myself.... Retired and debt free. Feels good.
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Old 07-01-2012, 05:16 PM
rachelinnys rachelinnys is offline
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no credit cards and no car payments. Live on one income and have handicapped daughter. Leassons learned the hard way in my case.

my brother in law lost his job, so I will no longer be babysitting for extra cash. I also have a book getting ready to go to press but not sure how well that will sell. It's historical fiction, based in ww2 with a woman pilot who sneaks into the air froce and ends up a navigator on a b-17.

anyways, if I didn't have so much in medical expenses we could save 15 grand a year. Lucky us.
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Old 07-01-2012, 05:25 PM
jelloman jelloman is offline
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If I discount the mortgage due to the 50% equity we hold in the house I carry no debt...I do have and use a credit card but it gets paid in full every month...allvehicles ard paid in full...no outstanding loan debt...

I feel pretty good about it too...
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Old 07-01-2012, 05:34 PM
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House, 40 ac 3 vehicles 2 extra cabins, out buildings, no credit cards, owe about $1000
on my truck, no more debt.God has been good to me. JT
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Old 07-01-2012, 05:35 PM
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House, 40 ac 3 vehicles 2 extra cabins, out buildings, no credit cards, owe about $1000
on my truck, no more debt.God has been good to me. JT
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Old 07-01-2012, 06:43 PM
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I'm very close. Only a few house payments left and then no debt at all. Two pickups paid for, a car paid for, a motorcycle paid for, I'm happy.
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Old 07-01-2012, 06:50 PM
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Quote:
Originally Posted by hawk55732 View Post
Im going to have to point something out here. According to what you are saying, then pretty much no one is ever going to own their own land or house. Most people, and I say most, can afford to buy either land or a house out right.
(cough, cough)

They even lower property taxes when you get old enough. Thanks, all you young people, for the subsidy.
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Old 07-01-2012, 06:56 PM
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I just have the taxes, elect, gas, cable, and whatever I buy.

I hate bills!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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Old 07-01-2012, 07:05 PM
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3 payments per month for us Rent includes utilities cable and wi-fi, phone bill (1 cellphone basic plan) and netflix.
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Old 07-01-2012, 07:07 PM
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Land, cabin, auto, all paid for.

I may go into short term debt in the near future, to secure alternate transportation. I'm uncomfortable living in the boonies relying on one vehicle.

Paid off $28K in 2 1/2 years to get to where I am today. That was two credit cards, the balance on the property (40ac), and a new motorcycle (now deceased).

Debt is limited to cellular/internet, insurance policies & occasional propane delivery. No utilities. Wind & solar, roll~yer~own power here.
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Old 07-01-2012, 07:09 PM
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The Day you take my Visa is the Day you pry it from my cold dead Buy it Now fingers.


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