How do you 'Keep It Real?"

[Soph]

So what do you do that is keep'in it real???

 

[odoreater]

I keep it real by drinking beer (real beer, not ***** beer) and watching baseball.

 

[Soph]

Dave Chapelle shows us how to: Keep it real

http://www.ifilm.com/video/2795932

 

[MetroStyles]

I struggle to pay credit card bills due to frivolous spending habits.

 

[odoreater]

Originally Posted by MetroStyles

I struggle to pay credit card bills due to frivolous spending habits.

Werd, me too.

 

[lawyerdad]

Originally Posted by odoreater

I keep it real by drinking beer (real beer, not ***** beer) and watching baseball.

That's only keeping it real if you don't watch that ***** american league ****.

 

[Thomas]

I keep it real by breaking a sweat every day. Sometimes I sweat just because the big kahuna is hovering by my desk. That's when I thank god for intestinal gas.

 

[GQgeek]

Originally Posted by odoreater

I keep it real by drinking beer (real beer, not ***** beer) and watching baseball.

Originally Posted by lawyerdad

That's only keeping it real if you don't watch that ***** american league ****.

I keep it real by avoiding gay ass sports like baseball. I prefer attending the ballet or symphony instead.

 

[Connemara]

Originally Posted by MetroStyles

I struggle to pay credit card bills due to frivolous spending habits.

+1.

 

[lawyerdad]

Originally Posted by Connemara

+1.

Cut them up. With limited exceptions, college students should not have credit cards. You'll be much, much better off in the long run if you discipline yourself to live on a cash basis now.

 

[Kaizen]

I count the dividends I receive from my shares of stock in credit card companies. Thanks everyone!

 

[MetroStyles]

Originally Posted by lawyerdad

Cut them up. With limited exceptions, college students should not have credit cards. You'll be much, much better off in the long run if you discipline yourself to live on a cash basis now.

I can't tell if you are kidding or not. Building good credit is crucial for getting loans and even renting an apartment later on.

 

[Ludeykrus]

Originally Posted by lawyerdad

Cut them up. With limited exceptions, college students should not have credit cards. You'll be much, much better off in the long run if you discipline yourself to live on a cash basis now.

I disagree. Starting out your credit history as early as possible is crucial to financial stability straight out of college. It's amazing what those few extra years can do for your car payment/loan rates/house/mortgage/etc.

 

[lawyerdad]

Originally Posted by MetroStyles

I can't tell if you are kidding or not. Building good credit is crucial for getting loans and even renting an apartment later on.

I'm not, although you raise a good point. But you can build credit other ways; a compromise might be to have a secured card or one with very low limits. The "building credit" argument is, in my opinion, exaggerated by the credit card companies. In my experience, most college students lack the maturity and discipline to avoid accumulating credit card balances. If one can be sufficiently disciplined not to spend more than their available cash and truly use the card as a proxy for checks, that's obviously fine. But for many, the temptations to slip from that discipline are dangerous. For many college students, college life is the first real experience with having primary responsibility for all of one's financial affairs. Acquiring the habit of living within your means during this stage is of tremendous value.
Anyway, that's my crotchety old guy advice. Young whippersnapers can ignore it if they want, since you'll never have it has hard as we did anyway.

 

[Alistair]

With my grillz.