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Peej Maybe
Community Member
1 posts
441 comments
320 upvotes
4.6K points
Freelance Subversive. Grumpy old goat. Overly passionate about stuff I like, overly detrimental about stuff I hate. UK based so I don't understand those CVS receipt jokes but can mimic various UK regional accents for giggles. Cuddly, bearded mostly. WebComix over at foreverwherewebcomic
Peej Maybe • submitted 9 list additions 2 years ago
Peej Maybe • upvoted 14 items 2 years ago
EmiliusReturns reply
I have Generalized Anxiety Disorder. I cannot just decide to not be anxious about stuff. I take medication because I can’t stop. Telling me to just “not worry about it” and “mind over matter” is not going to work. This is a medical issue I am actively being treated for. If I could just choose to stop I would. Telling me “it’s all in your head” is also useless; of course it’s in my head. It’s a brain problem. Where else is it going to be.
Hey Pandas, What Is Your Financial Advice?
As a former credit counselor, I can honestly say that you should worry less about your credit rating and more about your debt to income ratio. While having a good credit rating will help you get a better interest rate on car and home loans, you shouldn't buy too much on credit as a lot of companies like to push their interest levels up to near-usury levels. When in doubt, read the paperwork on anything that you're going to pay off over time. Check out the potential interest rates, late fees, and other random charges that can come up without warning. Also, after you've had a loan/credit card/whatnot for a couple of years and haven't missed a payment, see if you can negotiate a lower interest rate. If not, find a lender that can and get a loan to pay off the higher interest debt so that you save more money in the long run. And, when in doubt, live within your means. Don't feel the need to buy first generation electronics, new cars, or any kind of vanity items. That's where the creditors get you - and they know it. If you have any other question, just reply below. :)Show All 14 Upvotes
Peej Maybe • commented on 17 posts 2 years ago
Show All 17 Comments
Peej Maybe • submitted a new post 2 years ago
Peej Maybe • submitted 20 list additions 2 years ago
Peej Maybe • commented on 20 posts 2 years ago
Peej Maybe • upvoted 20 items 2 years ago
EmiliusReturns reply
I have Generalized Anxiety Disorder. I cannot just decide to not be anxious about stuff. I take medication because I can’t stop. Telling me to just “not worry about it” and “mind over matter” is not going to work. This is a medical issue I am actively being treated for. If I could just choose to stop I would. Telling me “it’s all in your head” is also useless; of course it’s in my head. It’s a brain problem. Where else is it going to be.Hey Pandas, What Is Your Financial Advice?
As a former credit counselor, I can honestly say that you should worry less about your credit rating and more about your debt to income ratio. While having a good credit rating will help you get a better interest rate on car and home loans, you shouldn't buy too much on credit as a lot of companies like to push their interest levels up to near-usury levels. When in doubt, read the paperwork on anything that you're going to pay off over time. Check out the potential interest rates, late fees, and other random charges that can come up without warning. Also, after you've had a loan/credit card/whatnot for a couple of years and haven't missed a payment, see if you can negotiate a lower interest rate. If not, find a lender that can and get a loan to pay off the higher interest debt so that you save more money in the long run. And, when in doubt, live within your means. Don't feel the need to buy first generation electronics, new cars, or any kind of vanity items. That's where the creditors get you - and they know it. If you have any other question, just reply below. :)
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Peej Maybe • 10 followers
