[undercoverbrother]

Originally Posted by squiggs96

He wasn't banned, but he did have some financing questions in this thread which I should have posted in my original reply: http://forum.calgarypuck.com/showthread.php?t=119484

There is lots of good financial information and advice in that thread.

Like these:

Spoiler!

Originally Posted by jammies

I have a crazy plan for getting good credit... don't buy a new car in a year, pay off the car you just bought, and then save the money you would have spent on new car payments.

I can see how you got poor credit in the first place. You have learned nothing from not getting credit approval to buy a new car, all it has done has made you even more determined to spend money that you apparently don't have. If you owe any money whatsoever on anything other than a mortgage, why would you spend money on a new car that you DON'T NEED instead of clearing up those bills?

Yah yah, I know you don't want any advice. That's too bad, because unlike a new car, you need plenty of it. Wake up out of your dreamworld and stop buying shiny toys to make believe you're not broke.

Originally Posted by jammies

Is that the same wife that bought a car less than a month ago that is now yet another financial millstone? You'll pardon me if I frankly don't believe your "plans" are going to come to anything, especially if they include buying a new car a year from now.



Actually I do have some idea who you are and what you're doing, because you've told us. You're the guy with crappy credit who thinks that the shortcut to having money is the outward appearance of having money.

The only threads I remember of yours are the ones where you ask for advice on buying stuff, which appears to be your way of getting implicit approval for purchases you can't afford. "Oh, CP thinks I should buy this!" is what you are trying to get out of these threads. Well, too bad - I'm willing to call you out and tell you - "CP" thinks you shouldn't buy anything on credit, because you apparently can't handle your finances.

This isn't condescending, this is reality. Running away with your hands over your ears isn't going to make it go away forever. And to be clear, I'm not thinking I'm being your friend and doing you a favour, I'm hoping other people with a bit more self-judgment will see themselves in you and realize that you are the bad financial example they don't want to follow.