Checking Nanny's Credit
![[Post New]](/nanny-forum/templates/default/images/icon_minipost_new.gif){kind=icon}
Anonymous
PP is not for real ... Why would anyone overpay the internet, cable, and mobile providers? |
Anonymous
You are the type of person who should get the "DCUM Dumbest Poster of the Month" award. Congratulations!! |
Anonymous
Why ??? Why not. Guess what at Christmas time (October to December) I pay nothing. I use that credit. When I travel out of the country I can miss a payment when needed. And god forbid I'm out of work, I still have a mobile, internet and cable because I can use that credit. |
Anonymous
Seriously I don't understand why it's so unusual to over pay bills? If you have the money then pay. It works out great, I have done spontaneous trips. Get off work, go to airport and fly someplace fun. Get a hotel while waiting to board. I don't have to worry about that paycheck going to bills, because I've paid them. This may blow your minds but I over pay my rent too! When I moved in 2 yrs ago I paid a year in advance. I had no rent for a year. Now because I'm month to month I pay every 4 months. I maybe doing it all wrong, but it works for me. And the guy I'm dating - he's always done this too. We laughed when we found out each of us over paid or pre paid things. He is a musician and sometimes doesn't have work. He can survivor a year with no income. It works for us. |
Anonymous
This makes absolutely no sense. Why in the hell would you give a company money that you didn't owe. They owe you $800 because you overpaid? Call me crazy, but you my friend sound like the idiot. |
Anonymous
| If PP wants to give a bunch of companies an interest-free loan, so be it. |
Anonymous
You are losing interest that would have been accrued had you kept that $800 and other over-payments in the bank rather than get nothing from overpaying. Over-paying does not improve your credit score. |
Anonymous
Exactly! |
Anonymous
And, P.S. It's good to keep show a balance on your credit cards, that's what improves your score. |
Anonymous
+1. You are losing money. Possibly a lot of money and hurting your credit. Better to save that money in a savings account - you still have the financial flexibility for all the things you mentioned but without giving all those companies an interest free loan and without losing out on the interest yourself. Plus god forbid you have a medical or other emergency, wouldn't it be better to have an extra $800 than guaranteed cable for the next year? |
Anonymous
Also why would you overpay your rent? That is sometimes the only leverage a tenant has if a landlord fails to make repairs or take care of the property, or if for reasons out of both your controls, the property becomes uninhabitable (tree falls during a storm, etc.). Why would you leave it to someone else to give you money back, rather than hold on to it and pay the amount due at the time due? |
Anonymous
Not saying I thick overpaying or whatever that PP was doing is a good idea... but keeping an ext a $5000 in your savings account throughout the year would only earn you like $10 in interest. If it makes PP feel better having all her bills paid for 6 months at a time and not have to worry and this is how she protects herself incase of loss of income then I don't see the problem. To each their own. But point is not having it in a savings account isn't like some huge money she is losing. |
Anonymous
| Super dumb to purposely and continuously overpay rent/mobile and all your other bills each month. Never heard of such a thing and anyone who thinks THAT is smart, well. Good luck to ya! |
Anonymous
How much interest are YOU earning these days? |
Anonymous
This. But I'll let them check mine if they want me to check their's. No late paychecks for me, thank you. |