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Almost ruined my life

Bigmarv01

Registered Member
Messages: 21
Joined
#1
Was about to take out my first loan ever just to have a nice stint at the amp’s for a week. Thankfully I talked myself out of it. Have you guys ever taken out loans for amp’s and if you did how did it go ? Did you pay it back ( obviously)? Did you regret it ??
 

radiofreak6969

Registered Member
Messages: 223
Reviews: 31
Joined
#3
Was about to take out my first loan ever just to have a nice stint at the amp’s for a week. Thankfully I talked myself out of it. Have you guys ever taken out loans for amp’s and if you did how did it go ? Did you pay it back ( obviously)? Did you regret it ??
before you take a loan out or even think about taking a loan out...jerk off first..then see if you want to take a loan out
 

mikemendez

Review Contributor
Messages: 2,274
Reviews: 17
Joined
#4
If it’s a small loan amount perhaps to build credit and you can fit it into your earnings/budget, go for it, proceed with caution though, discipline, don’t let yourself get caught up in a revolving door effect. Personally I would advise against it.
 

BillaBong

Review Contributor
Messages: 775
Reviews: 29
Joined
#6
Was about to take out my first loan ever just to have a nice stint at the amp’s for a week. Thankfully I talked myself out of it. Have you guys ever taken out loans for amp’s and if you did how did it go ? Did you pay it back ( obviously)? Did you regret it ??
The fact that you need a loan indicates that you are either young or enjoying life to fullest, so doing good! I saved the entire life and realized this hobby later in life so always imagine how much I could have enjoyed it in my early years!

If u take out a loan, its almost certain that you will need more as this is addictive!
 

East Lake II

Review Contributor
Messages: 2,986
Reviews: 90
Joined
#8
In addition to not taking a loan, set a budget and stick to it. It’s very difficult to rein it in. If you get in too deep too fast it has to run its course for you to see your way out. And, for it to run it’s course could me a long way down the road and deplete much of your savings depending on how old you are and how much experience you have had. These women prey upon the weak among us, those that are addicted. Set a budget and don’t ever exceed it. If you exhaust your budget before the end of the month, don’t borrow from the next months budget.
 

East Lake II

Review Contributor
Messages: 2,986
Reviews: 90
Joined
#9
It would seem that if you want to take out a loan, it’s not for a visit or two. I would venture to guess that you are in op Ed with one and based on her story, you want to help her out.
 

Bigmarv01

Registered Member
Messages: 21
Joined
#10
Are you buying one or just going to one. At a buck 50 can't be that expensive.
Going; and by me it’s more than that also I wanted to go for more than one day;
In addition to not taking a loan, set a budget and stick to it. It’s very difficult to rein it in. If you get in too deep too fast it has to run its course for you to see your way out. And, for it to run it’s course could me a long way down the road and deplete much of your savings depending on how old you are and how much experience you have had. These women prey upon the weak among us, those that are addicted. Set a budget and don’t ever exceed it. If you exhaust your budget before the end of the month, don’t borrow from the next months budget.
I was doing a similar budget to what you mention throughout the year but there were inconsistencies with the service; which lead me to going to a more expensive route ; which was a downhill path from there; I’m still recovering lol and I’m trying a new budget to battle such inconsistencies ^_^ but the wait is longgggg ; I was starting to crack
 

East Lake II

Review Contributor
Messages: 2,986
Reviews: 90
Joined
#11
Going; and by me it’s more than that also I wanted to go for more than one day;

I was doing a similar budget to what you mention throughout the year but there were inconsistencies with the service; which lead me to going to a more expensive route ; which was a downhill path from there; I’m still recovering lol and I’m trying a new budget to battle such inconsistencies ^_^ but the wait is longgggg ; I was starting to crack
I know what you mean by inconsistencies. One of the many issues we deal with. Two ways I’ve found to stick to the budget and coral the spend are 1. When you find someone you like, continue to see her. Don’t feel like you need to see others. 2. Don’t read reviews. Reading reviews will make you want to try. It’s all against the lingered creed, but getting maximum fulfillment while limiting the spend is crucial.
 

Chiparlor

Has Decided to Walk on Earth.
Messages: 2,604
Reviews: 38
Joined
#12
Different opinions here.
I am not for loans for the providers because of the interest and no return on investment either for the sake of health or building self net worth on assets.

The APR, nowadays, will depend on your credit score. Good or lower score will give the lender authority to lend with higher apr.

In reality, making a loan for pussies, sorry to be frank, is on the "Stupid" list.

If you make a loan for a week vacation and take out small portion for a specific purpose, maybe.
 

VJLUTZ

Desire is the opposite of death.
Messages: 1,689
Reviews: 18
Joined
#13
Personally, I don't think there is anything magical about taking out a loan. Technically, every time you use your credit card, you are "taking out a loan". So I "take out a loan" every time I fill my car up with gas. The important thing is when you pay back the loan. I pay off my credit card balance in full every month. IMHO, paying 15%+ interest is for chumps.

Unless you're planning to default and go bankrupt. In which case, run those loan balances up to-the-moon!!
 

TGBeldin

Registered Member
Messages: 1,109
Reviews: 4
Joined
#15
Was about to take out my first loan ever just to have a nice stint at the amp’s for a week. Thankfully I talked myself out of it. Have you guys ever taken out loans for amp’s and if you did how did it go ? Did you pay it back ( obviously)? Did you regret it ??
Step back away from the ledge.

This is very, very discretionary spending. You should NEVER borrow a dime for very, very discretionary spending. Never.
 

Srhsrh

Registered Member
Messages: 1,200
Reviews: 3
Joined
#16
I wouldn't do it but I could see where it would be handy if you had a prying wife to take a loan out as home improvement, say 20k, spend half on house and put the rest in a cookie jar. Easier than regularly draining money from a joint account.
 

Ampme

Registered Member
Messages: 897
Reviews: 28
Joined
#19
Personally, I don't think there is anything magical about taking out a loan. Technically, every time you use your credit card, you are "taking out a loan". So I "take out a loan" every time I fill my car up with gas. The important thing is when you pay back the loan. I pay off my credit card balance in full every month. IMHO, paying 15%+ interest is for chumps.

Unless you're planning to default and go bankrupt. In which case, run those loan balances up to-the-moon!!
I use debit card or cash for amps. CC only goes to ticket master. :)
 

bronzeharbor

Review Contributor
Messages: 1,368
Reviews: 56
Joined
#20
Don't spend money you don't have
Don'tGoBroke101 right there
That paycheck you're expecting in 2 days? You don't have that money yet. Don't spend it.
It'll become that paycheck you're expecting in a week, to the paychecks you're expecting in 2 months, and you'll spiral downwards.
Don't do it.
 
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