Cleaning out the bookmarks today and realized that I never mentioned the very funny arch-nemesis blog: The Impulsive Buy.
Next time I’m in Hawaii, I’m going to punch him in the face — as soon as I can find him.
And uh, as soon as I save up the money to fly there.
Stop Buying Crap #9 | #10 | #11 | #12 | #13 | #14 | #15 | #16 | #17 | #18 | #19
More Caffeine and Mysterious Crap Than You Can Shake a Stick At
With more than 500 new energy drinks launching this year alone, the energy drink industry is reaching a $3.4 billion-a-year status thanks to millions of young douches people across the nation — supposedly 7.6 million of us.
A casual glance of energy drink ingredients will yield the following:
Not a big deal to 20-something males, the targeted audience for energy drink makers.
Caffeine overdose requiring numerous call to poison control center across the nation? Shrug. Mixing energy drink with alcohol because it’s always a good idea to mix a stimulant with a depressants? Awesome.
Sure, a good night of sleep will always beat out a can of energy drink, but then again, “energy” is probably not what energy drink aficionado are after.
If the two sentences of poor sarcasm above doesn’t stop you from buying these crap, think of the ridiculous price. $2.00 a can? That’s two and a half boxes of Cap N’ Crunch on sale!
What a rip off.
Sorry people. This is not 1992. There is absolutely no excuse to pay your credit card bill late these days — especially since you have about a gazillion different methods to pay.
If you have paid a credit card bill late before, you need to stop the BS right now and fix this extremely easy problem. Can’t afford to pay the entire bill? Fine. At least pay the minimum on time.
Besides the stupid late fees (that you might be able to get rid of), paying your bills late too many times will affect your credit history and score significantly. This may potentially cost you thousands of dollars later on in interest when it comes time to get an auto or mortgage loan.
Here’s information taken from a previous post on things you can do to avoid paying your credit card late:
Online Payment Saves The Day
Just about every major credit card issuer allows online payment. Your credit card doesn’t provide one and you tend to pay late? Ditch them. Seriously, get a new one. I’m not saying it’s a requirement, but if having a card with online payment can stop you from paying your bills late, then the money saved will be well worth it.
Many online payments also allows you to schedule your payment, automatically. That means you can set your bills to be paid on a certain day, via a certain amount. Best bet for late payers? Set it to the minimum amount due, on the day that you know you’ll have funds in your checking account. Or, set it to a fixed amount if you have a balance currently. Better yet, set it to pay-in-full monthly.
Too lazy to setup an online account for your credit card? It will only take you a couple minutes to setup. The time you spend on this now will save you plenty more time in the future. Even if you don’t pay your bills late, you should sign up for an online account. The conveniences and accessibility will amaze you. If you’re careful with your password, and be proactive about distinguishing fake emails, security for your online account should be the last of your worries. Trust me, the benefits outweigh the low risk.
Changing Due Date To Fit Your Busy Lifestyle
Don’t want to sign up for an online account? Want to do this the hard way? Fine. Did you know that most major credit card issuers will allow you to change your bill due date? This means, you don’t have to worry about writing out different checks to different card issuers on different days. Call up your credit card company and check if they’ll let you change your due date to a more flexible date.
Quite a few issuers also allows you to set your due date while you apply for your credit card, so keep that in mind the next time you open up another credit card account. Match the date along with your other bills, or set it after you receive your paycheck, plenty of options.
Pay By Phone To Save Your Butt
Today IS the last day and you totally forgot to pay your bill? Many card issuers also allows you to pay by phone, but make sure there aren’t fees associated with it before you use it. Pay by phone is indeed the last minute option. Last week, I totally forgot about a bill due for my Bank of America VISA. While I was busy hating myself (again), I realized I could pay by phone. Flip the card around, call the 1-800 number on the back, punch in my checking account information, specify the amount, and I’m done. Once again, modern day convenience beats out modern day laziness.
Try Changing Your Attitude A Bit
As mentioned, there are many reasons why a person pay their bill late. I don’t want to get on a hypocrite lecturing rampage, but it’s in my opinion that if you adjust your mental outlook a bit, things will be a lot easier. You shouldn’t require a $117 late fee to make you think twice about paying late, just like how people shouldn’t buckle up just because of some lame threat (click it or ticket)—you should do it because it’s the right thing to do. If you’re starting to pay late frequently, ask yourself why. It’s worth it.
Related Post:
My PC’s power supply decided to flip me off today and say: I’ll see you in hell, Mr.Douche.
That’s what I get for buying an el cheapo $40 power supply. If you read the Newegg.com customer review, you’ll notice a spike in negative review after the one year period as the power supply starts to fail (mine lasted for two years). Quite funny.
Was about to blow $100+ on a new power supply till I caught up on my hardware knowledge and decided on the Enhance ENP-5140GH, an 80-plus certified 400W bad boy for a fairly low price of $60. Woot!
Should have posted this earlier but.. awfully sick right now. All the back-up filler post are utter crap, so see ya’ll next week.
