I was sent an email from one of the blog readers this weekend who read the Modern Day Redneck web page. The reader was very short and to the point with his/her comment of, "You are screwed on your idea of living without credit or credit cards, it cannot be done in this day and age."
This is the text on the web page the reader is referring to.
Top 5 Going Redneck Tips
- Stop keeping up with the Jones. Let them live in credit card dept, you do not have to. It is not the American way. Reduce you impulse buying habits and pay with good ole American cash.
As far as financing my housing and transportation, that is a choice not a have to.
No I did not have the money or the time to save it like some people and pay cash for my truck and house but I could have rented a home and drove a $1000.00 truck if I wanted to and be debt free. I chose not to.
What I was mainly talking about was, stop trying to impress the people that do not matter. Why in the world would you want to have $1500 a month or more in car payments, $2000 a month or more in a house payment and then have to charge your groceries on your card and pay interest on the food you have already eaten a month ago because you want to be in the yard of the month club.
Why would you want to be a part of the "in crowd" if the only way to get into it is if the wife is driving a $50,000 sport utility vehicle with $800 a month payment and you have to put your kids $40 yearbook on a credit card.
I am not saying I have it all figured out. Just the other day I was told I was throwing money down a rats hole because I live in a mobile home. But here's the difference, I did not run out because someone I truly care about told me that and get a $200,000 FHA loan for a house I cannot afford just to invite them over, stick out my chest and say "Look at me" and then go in and heat up my three day old beans because I could not afford real food.
To tie this all in and end this little soap box I am on I will say one last thing. I feed, clothe and support my children, my wife, myself and all these animals with hard earned American cash from me, not the government, not on credit, and not on loans. Why is it then people like me are criticized, scrutinized and belittled for doing so? That's what bothers me.