"@YardleyCorvus: The whole idea is to not HAVE to have credit since you will be so flush with cash from not having debt from the credit.
We are seeing even the credit card companies begin to close idle, zero balance cards on people with out notice- the same people who kept the cards idle to increase their scores...
Plus some folks just need to close the cards for the discipline involved - nothing to temp them..."
"@IHaveAFreezeRay: Especially for children's toys- start buying for Christmas in August through October when they clear the last years stuff for this years Christmas stuff."
"@rhobite:
The lunch savings is probably based on her spending $10-$15 dollars (including tips) each lunch.
How cheap can you get:
1 can Pepsi- costco bulk 36pack= 35¢ (after tax)1 package Ramen soup= 50¢ (thats on the high side- maybe with the throwaway cup)1/3 of one sleeve of of aldi saltines=30¢ (a little high)hot sauce/pepper bulkpurchase= 35¢ (also a little high)Total about $1.50 or $7-8 dollars x 5 day week...
microwave power= workreusable spoon and ugly microwave safe bowl from goodwill = $1.50 for however long you keep it.
I bet you would save more than $1-$2 by making sandwiches..."
"@AstroPig7: I heard that this is a new scam in the foreign community especially among people who fear the police (ie illegal immigrants - I am -not- implying that your friends are illegal however)"
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http://consumerist.com/5059687/econobiker commented on Reader Pays Off $14,330 In 20 Months With Our Tips
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