• 0 Posts
  • 11 Comments
Joined 1 year ago
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Cake day: June 23rd, 2023

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  • Why do you think people use a credit card to buy nice things they don’t need, per se?
    Something like 62% of Americans are living paycheck to paycheck. It’s not that people “feel they deserve stuff before they can afford it”, it’s that in our current economic system, prices are going up and wages are staying low. Productivity is going up, but compensation is not keeping up with prices or productivity. People can at least dream of being able to pay off a credit card that they used to buy a new TV or maybe a new car, but something bigger like a house, or comfortably affording children, is off the table because of how expensive everything is right now.
    But let’s be totally honest, people get into debt to do things like pay rent, or on car repairs, or hospital bills, or vet bills, etc. etc.






  • Gabadabs@kbin.socialtoMemes@lemmy.mlThe rent is too damn high
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    1 year ago

    Genuinely… you seem very out of touch. Your entire premise is incredibly ableist. You presume that anybody can do the things you’re listing, but many of us are living with disabilities, and not everyone has had the opportunities you have had to have enough money to pay for a house, or to buy a car. A $2.5k car is ultimately, MUCH More expensive than buying a more expensive car, because you are getting one that’s barely functional for that price. Once all my bills are out of the way, I take home $100 for all unnecessary expenses anyways, so it would take me years to save up for one of those pieces of junk.
    You take for granted that you have the confidence and motivation to do things like, say, even apply to one of these homebuyers programs - but other people have to put in more effort just to get out of bed in the morning.
    Check your goddamn privilege.



  • I don’t know much about 1Password, but I’ve been using BitWarden for years.
    The autofill feature is nice, but sometimes you’ll have to unlock the vault for it to continue to work, which can be a pain at times. It’s pretty flexible, you can save personal information and cards on top of logins, and it has a password generator built in that I pretty much always use now for making my passwords. It’s not fancy, but it’s really functional, and works on all my devices without issues.