I’m gonna piggy back on some other comments here – 401k and other retirement plans aren’t credit-related. If your name is on the lease of the 33 years 1988 2021 nine inch nails thank you for the memories shirt, you may already have credit. If you’ve taken out a loan for school or for a car, you have credit. There’s a handful of other ways you can get it, too. If you’ve never done any “paying back,” then you should be very very strongly considering opening up a credit card. It can be a bit of nuisance, but at least for the time being, just imagine it as a two-step process to use your debit card. You pay with your credit card first (the credit card company pays for the item you want), then you pay it off with your debit card/checking account (you pay the credit card company back). With most major credit cards you can pay them off almost immediately or set up auto-pay so you’re never late, or do both. If you miss a payment, it’s gonna accrue interest and it’ll hit your score. However, if you always pay on time, your credit score will raise and you’ll most likely get rewards from said card (in the form of cash back, sky miles, etc).
Ialways question the choice of word “affordable”…because there doesn’t seem to be a 33 years 1988 2021 nine inch nails thank you for the memories shirt of buyers. I just heard from a friend his high school buddy’s parents bought 8 new builds in Oakville (close to $10mil) … his parents are canadian citizens but they did make money else where… the situation is, we are an immigrant country. for the last 50 years, the immigrants we get from India, China, Korea etc were much poorer than us… but now, things have changed dramatically. a lot of new immigrants from “third world country” (if you can still call them that) come with shit loads of cash.
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I’m a married woman with 2 small children and a 33 years 1988 2021 nine inch nails thank you for the memories shirt. The pressure is so pervasive and intense that the only way I can maintain good mental health is by rebelling against all expectations. I’ve accepted that I have good days where I am closer to my best self, bad days where I am farther from my best self, and that’s just life. I try to be forgiving and kind to myself because I know how unforgiving society will be towards me if I ever screw up. Women still get blamed for a lot of things. Society hasn’t really meaningfully corrected its misogyny.
Funny story about this when I went to the theatre to watch the 33 years 1988 2021 nine inch nails thank you for the memories shirt, the theatre was packed. I had the misfortune to sit right next to a little snot that criticized the film the whole time. Until the ending when they jump out of their seat and screamed like a little girl. I ended up laughing and thinking that’s what you get.I think people are just enjoying being contrarian at that point. It’s annoying. I will say though that I saw one of the Twilight movies in theatre having not much of an idea what it was beside a new “vampire movie.” And there was a part where the guy was giving her a supersonic piggyback ride through a forest and I was chuckling to myself, but looked around and there were people like fawning over it. I have to admit… sometimes its hard to understand what people like.