#8 - Get Rid of Credit

Challenge prompt - If you could rid the world of one thing, what would it be?

This is a hard prompt. There's so many things that would make the world a better place if they didn't exist. Pain, hunger, poverty, racism. I mean really, the list is endless. But I think for the purposes of this I'd have to go with Credit.

I hate the credit system. I think the whole thing is completely fucked and we should get rid of it. I hate that you have to "build up" credit by purchasing dumb, non-essential items from places like RC Willey. It doesn't seem right to me that I have to go into debt with TVs or couches in order to purchase a car or a house. I don't like the idea of "co-signers". Not everyone is lucky enough to have family that can/will co-sign for them. I hate the fact that if you have unexpected expenses, lose your job, or simply have a bad month financially your credit is completed fucked, for years, or some cases forever. I don't know exactly what a better system would entail, but what we've got now isn't working.

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I want to save my blog from extinction. So I'm doing a 30 day challenge. I'll answer one of these prompts each day.
See prompt 1, 2, 3, 4, 5, 6, and 7
Thanks for reading!

First Paycheck

So I know that this post may be in bad taste, especially since there are so many people unemployed and looking for a paycheck anywhere possible, but I just can't help myself. I get my first full paycheck this Friday and I'm so EFFING excited I may just pee my pants. Seriously. Pee. My. Pants. My bank account will probably explode because it hasn't seen that much money in so long. And against all my better sense to just blow every single penny on materialistic things I'll never look at again after I've opened the packaging, (I mean really, what is two more weeks of avoiding bills when I haven't made a payment in 6 months?) I am going to do my best to start paying down some bills. I will probably hang the direct deposit slip on the fridge for a while. Or maybe frame it, put it on the mantle. At the very least I'll take a picture and send it to my Mom. They love things like that, right?

If I Had..

$1:              I would go to the vending machine in my clubhouse and buy a Coke.

$5:              I would go to Del Taco and get a Classic Chicken Burrito and classic hard taco
$10:            I would buy some chill sweats to wear around the house.
$25:            I would put gas in my car, because the gas light came on today. Boo
$50:            I would buy the 3rd season of Ugly Betty or the 1st season of Mad Men.
$75:            I would buy this area rug I found at Walmart and put it in my living room.
$100:          I would get my hair cut and colored at my usual salon Season's Salon.
$200:          I would buy two of these bookcases from Ikea and stack them to create a bookcase wall.
$500:          I pay my past due car payment. Boo.
$1000:        I would schedule a trip for me and Holli to visit Madi, Bradi, and Kelvin ASAP.
$5000:        I would get a CD or something and earn some interest on it.
$10,000:     I would pay off the Jeep.
$25,000:     I would take my entire family on a month vacation in a very warm climate.
$50,000:     I would pay for Holli to have the interstem surgery she so desperately needs.
$100,000:  I would buy a small fixer upper house with a fenced yard for Tonka to play in.

What would you do?