Welcome to General Chat - GAW Community Area
This General Chat area started off as a place for people to talk about things that are off topic, however it has quickly evolved into a community and has become an integral part of the GAW experience for many of us.
Based on its evolving needs and plenty of user feedback, we are trying to bring some order and institute some rules. Please make sure you read these rules and participate in the spirit of this community.
Rules for General Chat
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Be respectful to each other. This is of utmost importance, and comments may be removed if deemed not respectful.
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Avoid long drawn out arguments. This should be a place to relax, not to waste your time needlessly.
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Personal anecdotes, puzzles, cute pics/clips - everything welcome
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Please do not spam at the top level. If you have a lot to post each day, try and post them all together in one top level comment
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Try keep things light. If you are bringing in deep stuff, try not to go overboard.
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Things that are clearly on-topic for this board should be posted as a separate post and not here (except if you are new and still getting the feel of this place)
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If you find people violating these rules, deport them rather than start a argument here.
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Feel free to give feedback as these rules are expected to keep evolving
In short, imagine this thread to be a local community hall where we all gather and chat daily. Please be respectful to others in the same way
Would not spend your last dollar on Memes
if you have credit card stop paying them.
Look into Dave, Ramsey, and prioritize what you should be spending your money on. a roof over your head, and utilities , and food are your priorities. Everybody else can wait. - well except for your car payment.
Dave Ramsey actually suggests that if you cannot afford your credit card debt, it is is better to simply pay them $1 per month, instead of nothing. But, you would need to ask Dave for the answer as to why that is better.
Because they can not say that you have not been trying to pay them.
I think because as long as you’re making some type of payment, they can’t come after you. so yes that’s a good idea. One dollar, five dollars whatever just a payment of any kind.