Anonymous wrote:
If I had the usual $200,000+ DCUM HHI I probably would have no problem paying it off every month. But as a single parent living on $80,000, most months I can pay it all, but probably about three months a year, I can't pay the whole thing.


Sour grapes

Don't be a dcum asshole.


We pay off every month. I took a temporary job during college doing collection work. That experience kept me on the straight and narrow. My parents were awful at managing debt without that job experience, I can say how I would have ended up managing my money.

Anonymous wrote:If I had the usual $200,000+ DCUM HHI I probably would have no problem paying it off every month. But as a single parent living on $80,000, most months I can pay it all, but probably about three months a year, I can't pay the whole thing.

Sour grapes

If I had the usual $200,000+ DCUM HHI I probably would have no problem paying it off every month. But as a single parent living on $80,000, most months I can pay it all, but probably about three months a year, I can't pay the whole thing.

13:33 here - I mean, I always pay it off, never carry a balance.

Yes, always have, always will.

Yes, we do. I can only remember one time in our marriage that we did not, and it's when only one of us was working and we'd had some expensive repairs on our house, and then we extended the payment over two months.

We use our cards just for the points and for the convenience, but do not buy what we couldn't afford to pay cash for.

Wow so surprising...we do not...probably every few months it gets paid off.

We pay it off every month.

We pay it off. We put everything on credit card and never purchase more than what we bring home monthly (after paying mortgate and other bills).

We do. We keep one credit card with a very low credit limit that we can easily pay off every month. That's the one we use regularly. If we reach the limit before the end of the month, we reconsider what we were going to purchase. We have another card that has a higher limit, but we rarely use it.

we pay in full every month

We do.

We always pay it off.

I've always paid my balance on time and in full. If I didn't have money in the bank to cover a purchase I would not make it.

Always, yes. I don't have mandatory expenses that outstrip my earnings.