FenderStratocaster

You're being a jerk.

I can call myself dumb. When someone else does it and confirms it, it fucking sucks. I'm already having a hard time convincing myself not to shoot myself in the head.

No one hates me like me. I don't need your help.

I'm Chidi Anagonye, or maybe I'm not?

I can agree to that.

I've never really needed credit or credit cards? I just pay cash.

gfy

What is A+ credit?

Because I talked to my wife and decided it wasn't that big of a deal and made rash decisions based on the fact that I was sick of dealing with it. Everyone here is so smart and never made any mistakes before, so it's hard to explain to them why I did it.

However, I am SOMEWHAT stupid. I've been rather frugal and financing things and credit cards haven't really been at the top of my priorities over the years, so I'm rather ignorant of it. I try not to spend money I don't have.

Let me tell you why I'm so lucky. In early 2013 I bought a 1946 Bungalow at 1400 sq with no basement for $51,900 on a 15 year loan. I paid it off. Last year, my father-in-law died and left his house to his only daughter, my wife. It had an outstanding mortgage of $60,000 left on it. It's a 2100 sq ft colonial with attached garage and basement. I sold my house for $220,000 and moved into my wife's childhood home. We paid off the remaining loan.

I am fortunate and got lucky on the housing market. I make $68,000 a year. My wife took the year off, but is a teacher. We are NOT rich, but very lucky. I live near Detroit, where the cost of living is lower and that helps too.

I didn't really need much help. I'm all set for the most part. I didn't have any financing coming up in the near future, so I think I'll be ok