# Saving money, cutting costs

**URL:** <https://forums.speedlife.net/t/saving-money-cutting-costs/265835>\
**Category:** Shift518 Off Topic\
**Created:** [December 22, 2012, 8:54pm UTC](https://forums.speedlife.net/t/saving-money-cutting-costs/265835 "2012-12-22T20:54:40Z")\
**Posts on this page:** 1\
**Showing post:** 150

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**Author:** ![Boost\_Creep](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boost_creep/32/6366_2.png) [@Boost\_Creep](https://forums.speedlife.net/u/Boost_Creep)\
**Post date:** [February 20, 2013, 6:49am UTC](https://forums.speedlife.net/t/saving-money-cutting-costs/265835/150 "2013-02-20T06:49:39Z")

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> [@The Dark Knight Movie](https://forums.speedlife.net/t/the-dark-knight-movie/51395/95):
>
> Ive never seen a guy on a jet ski with a frown! You can be happy without having money. You can be happier with it. Plus its not about how much you make each year. Its about net worth. The guy that makes $200k but has a $400k home and $60k vehicles has just as many money problems as the next guy.
> 
> Without divulging how much I make a year I can tell you that I dont have a cent of debt to my name. No credit cards, no car payments, no loans, nothing. If I want something I save for it, when you have no debt, it dosent take long to save for what you want. And if you cant afford it that way, you shouldnt be buying it. Otherwise you go into debt.
> 
> If I didnt have money, id be in debt. So yes, money 100% makes you happier than you could ever be without it. No matter how much you lie to yourself.

Having no credit cards, or loans ever isn’t good either. You need to establish credit. Unless you play on buying a home with cash.

Having loans on depreciating assets is the problem. (i.e cars).

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