It's my credit score. It can be as low as I want it to be!!!

So I just got my tax return.

I had two Chase credit cards each with a $3000.00 balance or so.

I paid them and cancelled them.

Each time I try to share this good news, everyone says the same thing:

"You need to keep one open so you have available credit so you will have a good score otherwise you wont blah blah blah and then you can't by a triple-decker double-fisted elbow tickler blah blah blah cause everything I know about money I learned from spending it blah blah blah."

Credit is BAD. Using it is BAD. It is an instant gratification tool we have come to accept as being necessary. IT ISN'T. A good credit score is for people who need more loans to buy more things.

If you haven't guessed, Frontman489 is a minimalist. If I don't have it and can't afford it, I don't need it.

I'm not saying ruin you credit. If you wan to keep a card open for emergencies that *IS* a smart thing. AS LONG AS IT'S FOR EMERGENCIES ONLY. I'm saying live within your means and lets stop giving our money away in minimum monthly payments to a bunch of overpaid retards who spent all their money and ours and then needed the U.S. government to fork over some more so they wouldn't have to take a 1.2 million pay cut. RIDICULOUS!!

Screw the credit card companies and let them nickel and dime someone else! I'm going old school. That's right, a savings account. As in "I'm going to start putting money in there as soon as I kill the debt I have left." Then if I need it, Ill save for it and buy it.

Mastercard and Visa can kiss my @$$.

Frontman489.