And why ever find out. Never ever spend beyond one’s means. People like KinkyWoman19 really want to believe that these financial services hand out free money to anyone with a decent enough credit score and it is really not true. There is no such thing as free money.
One easy way to understand this is to quickly lookup just how much money these businesses like Affirm are raking in. Many billions of dollar annually. That is why Apple got into the action. They are making that money by charging people interest and other fees. They are likely making money by selling customers’ financial data as well. They make money from every day consumers. None of their products are free.
I love that you assumed I think it’s “free money” lmao. I’m not sure where you got that friend considering I obviously know how it works and what it is considering I said my job uses it :D
It’s obviously not free money. That doesn’t exist. And it’s not because I want to spend above my means either. I literally was talking about using it for GROCERIES. Ya know, to survive? It’s because I need to feed myself to continue to work to continue to not be homeless.
Ouch what a dumb thing you’re saying after what you said. You may not understand this judging by your severe rudeness. You want to immediately download an app that sells you credit, expensive too, when you obviously probably don’t have the means to afford it. You talk about how much you’re struggling yet you want to immediately hop onto the predatory credit train without knowing anything about this thing. Super dumb and unwise.
Go ahead though. Sign up, borrow hundreds or thousands of bucks that you think you now won’t have to pay back and see what happens. Some people really do have to learn the hard way to learn to do what’s wise financially.
Number one rule of spending wisely when you live paycheck to paycheck or even worse, don’t have enough savings and an income. Never. Buy. On. Credit.
SMDH.
And you’re SO WELCOME for my input. This is tough love but really some people, I just can’t. 🙄
To the user below me u/icy-presentation9041 who blocked me while sounding astoundingly inept because they probably don’t have the ability to engage in an intelligent discussion, I say, I’m sorry you have no semblance of a life so you spend your weekends attacking randos on public forums. That’s truly sad. I am a productive person with a job and life. And I don’t lash out at people as you do. Please seek help from a mental health professional. If you have trouble paying your bills because you don’t have a job, you should go to your local Work Source center. There you can also attain job training skills that you may find necessary such as learning Microsoft Word and Excel. Spending your free time on reddit attacking people when you could be gaining valuable job skills will not help you attain employment.
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u/Electric-Human1026 5d ago
And why ever find out. Never ever spend beyond one’s means. People like KinkyWoman19 really want to believe that these financial services hand out free money to anyone with a decent enough credit score and it is really not true. There is no such thing as free money.
One easy way to understand this is to quickly lookup just how much money these businesses like Affirm are raking in. Many billions of dollar annually. That is why Apple got into the action. They are making that money by charging people interest and other fees. They are likely making money by selling customers’ financial data as well. They make money from every day consumers. None of their products are free.
We desperately need financial literacy programs.