“Be assured that it gives much more pain to the mind to be in debt, than to do without any article whatever which we may seem to want.” -Thomas Jefferson

http://img182.imageshack.us/img182/3213/americanexcesscc4.jpg

Agreed. My wife and I feel into this trap. it sucks a lot.


We have over 50k debt with student loans, car loan and her credit cards.

It cost us about $1,000.00 a month just to pay the minimum.


That is a crapy way to live. So I am working hard to pay that off, and then save the $1,000.00 each month.


It makes life a lot easier too, to think all I need to make it is rent, food, and utilities and dotn have to worry about anything else.


Life is best lived stress free.

Been there, done that with debt, and my family has been fairly debt free for 15 years. Get rid of your debt ASAP and then set your rules for keeping out of it. These are some of mine:

1) Get rid of all your Credit Cards..... I mean it!
2) Only pay with cash, check or ATM.....
3) Save your money for a) short term, b) emergency, c) long term. Use
individual accounts and be disciplined about. It will add up and is satisfying
4) Don't buy on impulse or on line. Go to the store and really shop and
compare. I usually look at the item at 3 places minimum.
5) If you have to borrow, get a real loan from a close
relative if you can. Why give it to the Jew right away? That should be a
last resort!
6) Never buy a new car.......
7) Own, don't rent if you can.
8) Whenever possible do your own work around your home. It's not that
hard. Remember, "the Beaner" can do it, so why can't a white man.
9) Treat family good.....

Max out all your credit cards, inflation during the next 5 years will take care of your debt.

Max out all your credit cards, inflation during the next 5 years will take care of your debt.

Very bad financial advice. In moderate inflationary environment interest rates rise faster than inflation rate. Especially with FRS bait and switch ticks.

Very bad financial advice. In moderate inflationary environment interest rates rise faster than inflation rate. Especially with FRS bait and switch ticks.


There are cards out there with fixed interest rates.

Besides, there is no such thing as Debtors prison.

There are cards out there with fixed interest rates.

At what rates: 23.99 or above. Even 18.99 isn't good in a moderate inflation environment: the debt would rise faster than inflation would eat it up.

Try 2.99% all the way up to 8.99%.

23% would be for someone who regularly misses their payments.

This is the best time in history to borrow unsecured money.

I just wrote a research paper for college. My title was "Consumerism as Ideology" where I yammered on for 8 pages. My professor says that I DID prove that consumerism is the driving ideology behind American culture. I also made the case that it is (in the USA and west in general) more of a controlling ideology than capitalism, or any other 'ism' I could mention.

To go into debt is to say; "I cannot afford this. So, I will borrow money and pay even MORE money for this item, that I cannot afford in the first place."

Except for a house and your FIRST car - borrowing money is a "personal sin" where you sin against yourself and your future. If you can afford to make the payments, you can afford to save up and buy it without debt.

Again, the exception being a house.

I won't touch any of these things:
1) credit card
2) car loan
3) mortgage
4) bank account.

If I had any money to save, it would be gold bars sitting in my safe.

Max out all your credit cards, inflation during the next 5 years will take care of your debt.

There are cards out there with fixed interest rates.

Besides, there is no such thing as Debtors prison.

Try 2.99% all the way up to 8.99%.

23% would be for someone who regularly misses their payments.

This is the best time in history to borrow unsecured money.


Looks like Ben Franklin just made you his bitch.



# Always taking out of the meal-tub, and never putting in, soon comes to the bottom
# When the well’s dry, they know the worth of water
# If you would know the value of money, go and try to borrow some
# He that goes a borrowing goes a sorrowing
# But what madness must it be to run in debt for these superfluities!
# When you run in debt; you give to another power over your liberty
# The second vice is lying, the first is running in debt
# Lying rides upon debt’s back
Creditors are a superstitious sect, great observers of set days and times
The borrower is a slave to the lender, and the debtor to the creditor
Disdain the chain, preserve your freedom; and maintain your independency: be industrious and free; be frugal and free
# For age and want, save while you may; No morning sun lasts a whole day
Gain may be temporary and uncertain, but ever while you live, expense is constant and certain
Get what you can, and what you get hold;’Tis the stone that will turn all your lead into gold
# Rather go to bed supperless than rise in debt

Someone mentioned below not buying a new car. That more than anything will save you more bucks then can be described.

I always buy a car that is 5-10 years old for little or nothing. I have an excellent mechanic so I can put away 300-400 per month.

there is no such thing as Debtors prison.Unless you are a White male and the debt is alimony or child support.

You cannot be arrested or go to jail for not paying your credit card debt. I think they can garnish your wages, but what if you're unemployed or work under the table?

Big business, multinationals, one worlders, etc. have ensured that wages have not gone up over the years. The capitalists and feminists got women into the workforce, thereby depressing the wages. Open door immigration did the same thing. Most people are living paycheck to paycheck. People are in debt partly out of their own fault, but ALSO because it's damn near unavoidable.

Once upon a time, a working man could provide for a family, own his own home, car, and maybe even a cottage! Now, his wife has to work and they are in debt.

Looks like Ben Franklin just made you his bitch.

Ben Franklin wasn't facing what's coming down the pike to us.

This isn't the Great Depression. This is Weimar Germany.

It's very difficult not to be a debt slave these days. Wages have deliberately been made stagnant, and the cost of living has simultaneously gone up.
Also, the 'credit lifestyle' has been widely marketed through the media. Some people actually live on credit to survive (say, when unemployed), but others get sucked in to the 'gotta buy this now' mentality.

Agreed. My wife and I feel into this trap. it sucks a lot.


We have over 50k debt with student loans, car loan and her credit cards.

It cost us about $1,000.00 a month just to pay the minimum.


That is a crapy way to live. So I am working hard to pay that off, and then save the $1,000.00 each month.


It makes life a lot easier too, to think all I need to make it is rent, food, and utilities and dotn have to worry about anything else.


Life is best lived stress free.

Bravo brother, I did the same thing but I started nearly four years ago. What we did sounds like what you are doing, we paid down, lived down, sold the McMansion and did everything possible to get the Jew out of our lives.

math.com has this nifty online compound interest calculator http://www.math.com/students/calculators/source/compound.htm

It is really kind of fun to play with.

Assuming you are still young putting away $1,000 a month for 25 years will get you $595,509.70 and that is at just 5%.

I have a close younger relative I am so proud of and I am telling this story in hopes it might impress some of the younger ones here to do what "David" and "Susan" did.

"David" and "Susan" married right out of college and their goal was to have a house paid for in full by the time they were 30 (5 1/2 years) so "Susan" wouldn't have to work and could stay home with the kids.

Both got jobs, "David" was making $40,000 and Susan was making $30,000 for a total take home of about $1,000 per week.

They owned one car, David rode the bus to work. They rented a run down studio apartment (this wasn't even a one bedroom) for $550.00 per month. They didn't do much that cost in the way of money, they had a goal and they saved. They ended up saving at a rate of $550 per week or over half of their take home pay.

$550 per week is $2,381.50 per month. Some serious money here folks.

At this rate in 21 years you would have over a $1 million dollars.

At that rate "David" and "Susan" managed to save over $160,000 in just five years and they purchased a house. Not being in Jew York or California the house is a very nice older four bedroom, two and a half bath two story on a large lot. They paid cash and by so doing they kept the Jew out of their lives.

After they purchased the house they both worked a couple more years until they started their white family. Thing is during the period after they purchased their house they saved even more money than they did before by saving the $450 studio rent.

Now it's been a few years. "David" and "Susan" have had two children, both are in their mid 30's now and neither have ever known what it is like to have to make a mortgage payment. Imagine the freedom from stress owning your own home at such an early age can bring.

If you have zero debt and no rent or mortgage payment to make you can live pretty much on nearly nothing if you have to. Knowing how they live I am confident "David" and "Susan" would live just fine even if "David" lost his job and they only had his unemployment.

Knowing them they could go several years on savings alone.

Anyway, what this is all about is planning out a way to live your life with as little exposure to the Jew as possible.

Good white people make out a plan and stick with the plan.

“Be assured that it gives much more pain to the mind to be in debt, than to do without any article whatever which we may seem to want.” -Thomas Jefferson

Very true words from one of Americas great presidents. I felt relieved after I paid off a final remaining personal loan three years ago. Another saying I like is that you can't spend your way to happiness but you save your way to contentment. Cultivating discpline through saving is definitely satisifying, and if you are sensible you can still leave money left over for entertainment.

7) Own, don't rent if you can..

It depends on housing costs, interest rates, and rental rates. Texas A&M had a rent/buy calculator online, several years ago. It made good sense. No one actually owns as long as there are property taxes and a central bank. In the Great Depression, since there were few mortgages, most people lost their homes to property taxes. Can't happen again?

Why give all your money to these Jewish Bankers, who seem to need a bail-out anyways?

My best advice is to get a community credit union account, and to learn how to grow your own food. Also get rid of cable television.

I fell into the debt trap and am digging out. Still owe a couple thousand on a Bank of America card. Got a mailing from them lastm week, new rules. If I miss a payment or am even one day late my APR goes up to 39% for the entire life of the card!! The Mafia offers a better deal.
Banks and credit card companies are slime.

Live cheap. Stay out of debt. That's my motto.

One area one can save is with automobiles. Sure I'd like to have a late model, new midsized car. But the monthly payments add up. A lot of folks don't realize that as they don't need to pay it that instant. If you buy a used car maybe 5 years old and 50K miles you can have a decent car and save a lot a money.

Still owe a couple thousand on a Bank of America card. Shame to have any at all, but you're doing a lot better than the average American.

Banks and credit card companies are slime.

Legalized loansharking.