Thank you for writing that. I felt like credit card taught me to be a little irresponsible with cash (even though I payed for everything from debit straight away - I thought this two-step payment would better my score and limit for the future, lol), so I blocked it, but from that angle it really makes sense to have one in case of emergencies.

Paying for three dentals in a row can be only topped by the constant dental pain itself. If you budget didn't crumble under that weight, with your situation, you are a tugboat called Unsinkable (or even Unthinkable?). I'm not joking, I can't imagine it now, even though I'm housed and have some people I can loan from. It's just too much.

Why's that much discipline and intellect is needed to stay alive while poor? Stereotypes paints poor people as lazy and stupid. Is there a special program I can apply to and stop caring at all? Doubt so ):

[–] Gormadt@lemmy.blahaj.zone 3 points 11 months ago

My finances took a huge hit due to that and basically had me plate spinning for awhile.

Now that I've only got a few thousand left to pay it's a lot easier.

The fun thing about stereotypes is that they are just blanket statements that apply to basically none of them.

Are there some lazy and stupid poor people? Yes, but they exist all along the financial spectrum.

The discipline necessary for having credit cards with high limits makes things really tough (trust me I know)