The Nigerian
The Realest Member of TheColi
Live close to work.
Get rid of your car if you can.
Wear grown up clothes. (They last longer and are less subject to fickle trends)
Financial Tips Thread (Saving, Budgeting, Etc.) Everyone drop some knowledge in here
- Thread starter deeznutsyo
- Start date
Get rid of your car if you can.
Wear grown up clothes. (They last longer and are less subject to fickle trends)
The Nigerian
The Realest Member of TheColi
Craigslist if you live in a decent city. I copped a 250GB XBOX 360 for $130 a few weeks ago. That would have cost me over $400 retail.Hit up the pawn shop
If you buy ANYTHING on credit while you are young. Lets say a car, and a big screen TV.
Car payment $300/mo
TV $100/mo
When you are done paying them shyts off, take that $400 and put it into savings each month. Dont just go right back out and splurge. You are already used to paying that $400 to banks, so now pay it to yourself.
Car payment $300/mo
TV $100/mo
When you are done paying them shyts off, take that $400 and put it into savings each month. Dont just go right back out and splurge. You are already used to paying that $400 to banks, so now pay it to yourself.
Emperor Sol
Knowledge and Wisdom
Like I'm gonna take financial advice from YOU nikkas 
BlvdBrawler
Superstar
Like I'm gonna take financial advice from YOU nikkas
Breh we neeeeeeeeed each other!!
This is a step towards solidarity!
matthew2777
Rookie
ima just save 80% of all my money for the 1st two years if i ever get a job lol and live wit my mom
save up 100k then just wont giva fuk about anything
save up 100k then just wont giva fuk about anything
Craiglist is the shyt.
Last week I got a perfectly functional 19-inch LCD Monitor for $20.
Some dude that works at a museum that was closing was selling them.
Urbanmiracle
Brooklyn the planet...
I asked this in the other thread, I did some research into my credit score. Im in the low 600s, I was thinking on getting a secured credit card to start to rebuild my score up. Also I got two cards in collection, one for $900 which Im going to pay off immediately, and another one for about 2.5k which Im going to haggle and hustle down.
Im 27, and I know the advice is for the young, but is it too late for my black ass to fix my shyt and get crumbs of the American dream? Would be my next course of action to begging to develop good spending habits and better care of my credit score?
Im 27, and I know the advice is for the young, but is it too late for my black ass to fix my shyt and get crumbs of the American dream? Would be my next course of action to begging to develop good spending habits and better care of my credit score?
in the process now.
I'd never finance a TV though
Best buy is 0% interest... you aint really losing. You just paying it monthly
0% interest is the shyt if you paying on time
You miss one payment and the banks 
on you and raise that shyt to 23%
BlvdBrawler
Superstar
Breh 27 is still plenty young. It's not too late at all.
Emperor Sol
Knowledge and Wisdom
Breh we neeeeeeeeed each other!!
This is a step towards solidarity!
Listen fam. Much love and all but I'd be weary about trusting what negroes on here have to say about finance. Always double check what they're saying and get second, third, fourth, etc opinions on what these dudes say.
Life's hard out here on these mean streets
BlvdBrawler
Superstar
Best buy is 0% interest... you aint really losing. You just paying it monthly
0% interest is the shyt if you paying on time
This. In fact, 0% interest is actually *better* than paying cash, if you account for inflation.
LeVraiPapi
Redemption is Coming
None in default for now.I m not behind in any of my loans. Now the problem is the car. I m not buying a lemon for 5k and end up paying 7k to repair it. I m trynna buy a used car 2005-2009 in the 10-20k range.
How about credit unions though ?