Those that don’t use banks,how do you manage your finances?

7 comments

1. Credit union

2. Well Leslie’s my bottom bitch who holds the money.

   You know what I am saying?

3. Almost impossible, who wants to go pick up a check forever? People may not have banks but they have those netspend cards. Not really in line with your question but I have a Walmart money card. The atm is my bank. Life is simple, I can’t lend money because Zelle and Cash App don’t do pre paid cards lol so you have to physically come get it, most people that ask find someone else that has it.

4. Easier than you’d think. It involves a little concept known as affordability. If I have the money to purchase a thing I purchase it. If I don’t… I don’t. It gets a little more difficult with things like healthcare but it’s not just a financial decision. It’s a lifestyle decision. Healthcare being a difficulty, I have changed my diet, and am more conscious about decisions that effect my health. Result? Haven’t been to a doctor in over a decade, haven’t gotten so much as a cold in 3 years. You don’t just whip out the credit card for everything or anything. Emergency use only, so to speak. Right now watching something like the stock market crash is entertaining. Like, you knew it was a casino rigged against you and you still put your money in it??!! Ok. Or crypto.. your purchasing an imaginary currency with no real world equivalent value. Amazing. I’ll keep my beans, bullets, and gold. If a depression, or bank run, or other economic collapse ensues I will be effected, we all will, however my lifestyle will hardly skip a beat. Invest in physical assets. Something you can hold when all other things lose value.

5. Don’t use banks open an account at a credit union

6. My dad didn’t have a bank account for a good 15 years of my life. He got paid in cash for all his painting gigs (construction), if a bill/renter/whatever else couldn’t accept cash as payment then he would go to the store and pay for a cashier’s check. If he absolutely had to he would get a money order and pay the bank the fee for not having an account there. Didn’t seem to effect him too much. No one cared about his credit score because he made so much cash. Then one day he had to get a real job and the state & feds busted him for tax fraud/evasion. He owed hella.

   It can’t last forever. I don’t know if I’d say he managed his finances.

7. Money orders ain’t difficult. Also you can get a prepaid visa or amex. No reason to use banks if you don’t want to.