Anybody out there, NEVER been in debt ?
822638
No I pay my credit card off every month - have money in the bank and save - also "sickeningly" have a good time too! Doesn't mean I don't yearn for a luxury yacht etc \n\nHowever do have a mortgage - does this count as owe a considerable amount of money!???? After 5 years maybe own the downstairs lav!
49919
I'd suggest the books _Total Money Makeover_ and _Financial Peace_ by Dave Ramsey.  Thousands of folks in your situation have followed his plan and are now debt free.  Check out the site:\n\nhttp://www.daveramsey.com\n\nI've no affiliation, just use the plan.\n\nGood luck.
734515
Im just about to turn 22 and I have saved about 40k. I try for about 800$ a month, but often find that goal hard to reach. No debts as it stands right now, but things maybe changing shortly. I wasted alot of my income until about a year and a half ago.I think its important for teenagers to learn about finacial responsibility before they waste the first few years going pay check to pay check, I wish I had
826687
it's possible to get a 100% loan.  no money down
1170577
None.  Credit card debt is foolish.
236811
try getting a job and stay out of debt
332888
There are hundreds but they all charge outrageous interest rates and up front fees which just perpetuate the debt cycle.\n\nBetter to go and look up a debt councilor - usually a free service in your local area.
361578
none that I know of.\n\nNothing in life is free.
350111
i feel the same way.. i thought about joining one of those credit counselors but haven't decided yet.. i have heard good and bad about them.. i'm interested to see what you get for answers cause i could use some advice too.. good luck
393359
I don't quite understand the question.  You mean you have never had a credit card and want to get one.  And you want it to have online bill pay.  I suggest Citi Card.  Lots of options, online bill pay available on some cards, not bad interest.
245224
If you have the money, it is easy. But if not and you will ask for a loan, it will be hard and you may not be able to get the best terms of the loan. You will have little to no credit history, and that is always an impediment.
164313
Definitely! I payed my house off in 8 years by just paying a little over my monthly payment each month. All went to the principle. So before I knew it. VOILA......the house was payed for. It was the most amazing feeling knowing there was no debt!! Yes, pay off your home. You feel free! :)
258061
There's several Non-Profit debt consolidation groups out there that will do this, but it completely kills your ability to obtain any new credit until the consolidation is totally paid off.  I've been credit card free for almost 8 years now and it feels great to never see a bill in my mailbox.\n\nDo your part to end pointless economic wars on yourself by financial institutions by becoming a balanced-budget person.
701152
"Forever in your debt" means that you are very grateful for something that someone has done and do not think you can ever truly repay them for their kindness.  It is not literally an actual debt of infinity.\n\nIndebt is a word, albeit an old one and it means just what it looks like: in debt to someone.
1139095
I have wealthy relatives who've told me they love me but haven't supported me when I've really needed them most. I haven't approached them and asked for their help, but they've known I was having it rough and could have helped on their own, and didn't ...\n\nThere are some generous souls and I'm one of them. I'm not rich, have no degree and have had to struggle - sometimes terribly - to build what I have but now have a net worth of about $600,000 and make well over $100,000/year ... As far as I'm concerned, money's just another tool and if a friend of mine needs my help in any way, including financially, I'll help them and not expect repayment.\n\nI've done that several times. I'm a good friend, in part because I know how it is to need and go without. I don't trust or expect that anyone will ever help me, but I'm always willing to help others.\n\nBe aware, though, that most of those offering help will want something in return whether they say-so or not, and that sometimes it'll be your soul.\n\nFighting it out and going it alone is almost always best. You know you can trust yourself ...\n\nWrite me if you wish: laippletm@yahoo.com
740140
Dear one when God states "owe no man anything" he is speaking about people who will constantly stay in a condition where they owe people and will not repay it. If you have a loan of anything and you hold to the repay agreement you have then that is a totally different situation. Rather than owing someone a debt you have no intention of repaying.\n\nGod bless you :)
1176587
I am broke but not in debt which is OK