how-to block ads
|
Uniqs:
154 |
Share Topic
 |
 |
|
|
| | Main reason I don't do auto withdrawal I will not have things automatically deducted from my account for this reason. These guys can take every penny in your account before you know it and good luck getting it back. | |
|  | | Re: Main reason I don't do auto withdrawal Yep auto withdraw, you might as well just give them your credit card too.
I never use auto withdraw for anything, and simply will refuse any service that can't accept that.
Feeling a bit better about dumping cable now actually. | |
| | |
Reviews:
 ·TekSavvy DSL
| I sympathize with anyone sufficiently well off they can actually afford to have too many bills to keep track of.
Myself, I am just too damned poor to be in any position to be capable of letting even just one operation unfettered access to very limited funds.
I had a 'dispute' with Enbridge once. Their ineptitude put me in a position to get hit with an incompetence charge of 500 bucks when I moved. 500 bucks is basically the same as telling me and my family to take a pass on eating for two months.
So I told Enbridge to drop dead (essentially speaking). Something I was able to do thanks to them having no way to do anything about it. Credit rating you say? Credit rating means nothing to the poor. I prefer having food on my table. Credit is only good if you are trying to buy a car, set up a mortgage etc etc etc, all things strictly speaking indulgences of the well enough off they can afford them.
If your income level sucks, you simply either master paying your bills in an on time and orderly fashion, or you refrain from generating those bills to begin with.
I have my rent that comes first every damned month (and my landlord likes that I pay in cash too). I have a paper bill sent to me from Teksavvy for phone and internet, and I never fail them because they are worth it. And I have a credit card bill (which is currently being eliminated before the card ever gets used again).
Fortunately that is the total of my real expenses other than my Netflix payment which comes out of my Paypal account. But fortunately I can always deal with a lousy 8 bucks.
The trick to not being put in a bad spot with auto withdraws, is to not have any to begin with. | |
| | |
Reviews:
·TekSavvy DSL
| I am assuming English is not your native language (not a crime) as your post sounded painfully awkwardly worded.
Dumb advice? Hardly.
I have never experienced work that gave a damn about my credit rating. I HAVE experienced work that cared a great deal about past experience with the work being sought though. They also tend to like seeing diplomas and degrees, but nothing trumps experience.
But being I am disabled, I have zero need to give a damn about credit. Especially when it is something of a daily routine to see emails from credit institutions willing to offer service to all but a corpse.
If you are wealthy, well credit isn't an issue, if you are poor, well it is plain they will lend to anyone. Thus, credit is often massively over rated.
I have a friend that went the bankruptcy route (personal bankruptcy). Not sure about his current credit rating, but it hasn't hurt him owning a home. But then again, it was bought with the sale of a previous home owned by his parents. There was no mortgage involved.
I am genuinely poor, I know precisely what REAL poor feels like. Short of someone dumping a million bucks in my lap, credit will never mean anything in my life. I simply know I will never own a home. I have lived without a car my entire life, never driven once no license ever. Because even a job was never enough cause to go into massive debt load just to have one. I'd have always sought work that never required it.
That is something though that most simply refuse to accept, that you CAN find work without a vehicle. Local buddy of mine walks and or bikes back and forth to his work. Makes an acceptable income enough to pay his rent, pay his routine bills pay for food clothing and entertainment all on just his income. And he like me has no car. His credit rating is likely fine. But some things are just not worth having.
But many people simply refuse to accept that truth.
His education is a joke to be sure. High school at best. He got the job he got, as a result of being the hard worker he was for several years previous at another store doing mostly the same thing. He was hired entirely on the basis of being able to say 'yes I have 9 years doing this'. I'd have picked him every time over a kid with a degree and a sterling credit rating. | |
| | |
| |
|
·
·
·