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LoganDarkyesterday at 12:37 PM1 replyview on HN

There's plenty of time: the time you waste by not spending money you don't have. You have to wait longer until you make more money in order to spend more without interest.


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cpburns2009yesterday at 12:40 PM

Don't spend money you don't have. Especially don't do it with 20% interest short-term loans. It's not that hard. If you're not financially responsible enough to handle a credit card, do not get one. I didn't have one until my late 20s.

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