re: Finances, fuck credit btw 

@bedap@sunbeam.city If you pay off your credit card IN FULL each month, having a credit card is good: you pay no interest, improve your credit score, possibly get some minor cash back or reward points.

If you do NOT pay off full balance each month, the interest rates are extortionate, and you will be screwed, fast.

The hardest credit card to get is the first one, when you have no credit history. Many "starter" credit cards have either an annual fee or require a security deposit, and will probably have a low limit until you've made a bunch of payments on time. You can internet-search to find the best options.

Sign in to participate in the conversation
Awoo Space

Awoo.space is a Mastodon instance where members can rely on a team of moderators to help resolve conflict, and limits federation with other instances using a specific access list to minimize abuse.

While mature content is allowed here, we strongly believe in being able to choose to engage with content on your own terms, so please make sure to put mature and potentially sensitive content behind the CW feature with enough description that people know what it's about.

Before signing up, please read our community guidelines. While it's a very broad swath of topics it covers, please do your best! We believe that as long as you're putting forth genuine effort to limit harm you might cause – even if you haven't read the document – you'll be okay!