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<p>[QUOTE=&quot;geekpryde, post: 1662164, member: 36248&quot;]<b>Detecto</b>, I&#039;m not trying to be rude here, I actually enjoy your posts, but I have a few questions:</p><p><br /></p><p>Do you have a job yet?&nbsp;&nbsp; If not, why are you spending money on coins when you have no income?&nbsp; &nbsp; Since it sounds like you have mandatory expenses (bills) that are known in advance, and probably once-and-awhile mandatory expenses that are unplanned (e.g. car repair), why do you insist on spending money on <u>discretionary</u> expenses (coins) first?&nbsp; &nbsp; &nbsp; </p><p><br /></p><p>Paying that ridiculous APR every few months, or selling off you entire collection every few months, seems like a never ending death spiral for you.&nbsp;&nbsp; Would it not be better to set aside every penny you find on the ground, beg from family, and discover at the end of a double rainbow until you have the full amount saved up necessary for your fixed monthly mandatory expenses?&nbsp; Then add maybe 10% on top of that to be safe, and pay all bills on time?</p><p><br /></p><p>After <u>ALL</u> bills are paid, anything left over is fair game to waste/spend on movie tickets, eating out, buying coins, etc.&nbsp; &nbsp; If you don&#039;t have a job, or your expenses &gt; your income, then your spending on coins should be exactly ZERO ($0.00).</p><p><br /></p><p>There are a lot of people here who have tried to help you, teach you, and maybe you could learn from that advice.&nbsp; &nbsp; Everyone makes financial mistakes, but this topic of your spending money you don&#039;t have at the beginning of the month, only to have to scramble at the end of the month seems to be a perennial theme of yours.</p><p><br /></p><p>Stop the madness![/QUOTE]</p><p><br /></p>

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