Wednesday, March 12, 2014

No good deed and what $100,000 looks like

I'm a pessimist, it's always worked well for me and at least it keeps me honest about how the world really is/can be. I also think no good deed goes unpunished and good guys finish last.
Returning the purse thing was my good deed, and the dentist telling me I need an implant to the tune of $4500+ is the punishment. Perhaps that's not really the case, I'm the one who dove into a pool smashing my face on the bottom in a booze fueled moment of bliss after my time in the sandbox.

The technology for implants is a lot better than 9 years ago when I got my first one installed. At this rate by the time I'm 80 I'll finally be able to bite into an apple without thinking all my teeth will stick into it. If I live that long.

Here is what $100,000 looks like:
It took 45 minutes to cancel these cards, they all wanted to keep me in a debt cycle. Use it for everyday spending, pay it off, increased credit line, balance transfers, no or low APR, deposit available credit into my bank account, etc.
The cycle of debt is something I'm not interested in and it was time to close the accounts and make some room in the safe. Should the need arise I can always get another card in a few days. If I can't pay for it up front, then I probably don't need it and it's just a want.

I also made some more jam, perhaps the last of the year.

8 comments:

  1. Cancelling the cards is a VERY good thing; well done. We cancelled all our credit accounts 15 years ago, and have never looked back. We pay cash for everything, and if we can't afford it, then it'll wait.

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    1. The temptation is always there so it was time to shred them up. We usually pay cash for everything, and only finance certain purchases. Looking forward to the end of 2014 when we have nothing but a mortgage, then we will get some land.

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  2. We live in the middle of nowhere and shop online, mostly. We have one credit card or PayPal using a dedicated bank account just for that. We pay the balance off every month. Works for us

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    1. Back in the day I was a typical person, tons of debt and credit card juggling. I worry I could easily fall into the 'pay it off next month instead' routine that I was doing years ago. I'm a sucker sometimes.

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  3. My brother is in the midst of a similar implant. He got hit in the face with a baseball bat. Now the one he got back then has failed and has to be replaced.

    That's a lot of credit cards. Remember the old Jerry Lewis film about the guy who had all the credit cards, and then along came the Cuban Missile Crisis. So he figured everybody was dead anyway, and he maxed out the cards having a hell of a good time. Then there was no nuclear war and he was really pissed off.

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    1. I wish I would have known about implants when I started all of the dental work 15 years ago, I would have done it right away. Technology and the procedure has advanced so it's no longer a one year process, but of course the price hasn't gone down at all.

      I actually kept a lot of those credit cards in the safe, zero balance, just in case. The problem is the temptation, and when we buy land I don't want to have a ton of available credit sitting around. Bank are funny like that, and credit scores are funnier.

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  4. That's very wise to cancel those. They are so tempting to use, huh?

    And great looking jam!

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    1. Very tempting, that's why I finally decided to just cancel and shred. Sort of why I don't by much candy. 1 bag of peppermint patties lasts me about 20 minutes once it's home. Nothing there to temp is always better.

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