Behold: the self-loan!If you can afford to pay a carried credit card balance, then you can afford to not get the card (or chop up the card and pay it off first) and instead invent a phantom debt to yourself to pay toward every paycheck until you have built up a couple grand in savings. If you have savings already then you're in luck and can skip the last part (unless your debts exceed your savings)!What you are going to do with that savings is this... CONGRATULATIONS ON YOUR NEW CREDIT ACCOUNT, credit limit being the value of that account at the start! If you make a purchase, you are not "spending savings" or "swiping your CapitalOne or AMEX card," you are opening a personal loan to yourself at interest, with realistic terms you find workable though you should charge yourself credit card interest rates so your money grows from you paying yourself back. You will then pay yourself back according to those terms.Pic is my spreadsheet. I run sheets in parallel for each purchase I made (like emergency new tire, or plumber bill, or whatever). Yes I set my own interest rate to 100% to make slow-payment really expensive. If I don't pay to the pay cycle amount, the estimated time to payoff grows and more interest to myself is collected.I can handle this head game on my own, but I know many goyim can't. If you need a family member or [responsible] best friend to keep you honest then show them your sheet and savings account balance + transactions, so he can audit you and admonish you for being a bad little goy if you don't make yourself right.With this neat trick, you will cease paying interest to banker jews while becoming self sufficient. You can also begin teaching them this trick and keeping them honest with themselves. Beware, your goyfriends are more likely to pay off institutions than pay you off, and they will prefer jewcards over self sufficiency for stupid shit like "miles" and "cash-back." Little retards! :^)
Stop it with the antisemitism
>>62835114I don't understand what is this supposed to do exactly? Is this only going to help those people that can't control themselves and spend all their disposable income on nigger shit like jewelry? I have necessary bills but I save every thing I possibly can and have 5 figures saved in the bank but I would never have 6 because it would be better off in investments.
>>62836413People have credit cards. This is a scheme where you make your own "credit account" using a savings account and pay yourself back for purchases. This only works for those with cashflows capable of otherwise supporting a credit card or petty loan (like Klarna) payment. This will not work if you lack the cashflow and would max out actual credit cards then default on them.
>>62835114Thanks for the advice o algo! I think I will do this when I graduate!
