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Twenty-seven-year-old Omaha, Nebraska, resident Erin Duffy has never had — or even wanted — a credit card.

"I’ve been able to get along without it," she says, attributing the choice to ambivalence and a wariness of plastic her parents fostered in her during her formative years. "I’ve liked being able to pay for things as I go, not having to worry about missing a bill."

Duffy’s decision to live without credit cards is more common than you may think. A whopping 63 percent of millennials (ages 18 to 29) don’t have a credit card, according to a survey commissioned by Bankrate and compiled by Princeton Survey Research Associates International.

Comparatively, only 35 percent of adults 30 and over don’t have credit cards.

There are, admittedly, external factors influencing the statistics. An April 2014 Gallup poll found Americans’ reliance on credit cards, in general, has declined steadily since the Great Recession. Moreover, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, or CARD Act, made it harder for anyone under 21 to get a credit card.

There’s also a more straightforward reason why a majority of millennials aren’t carrying the payment method: Many, like Duffy, just don’t want credit cards.

"I don’t really feel like there’s a need for one in the way I live my life," says Melissa Pileiro, a 24-year-old resident of Vineland, New Jersey. "The idea with a credit card is you’re essentially putting money down that you don’t have."

Like many members of her demographic, Pileiro is perfectly content with her debit card, a payment method whose existence has eaten into the credit card’s market share.

Millennials “grew up in a world where the economy was tanking,” says David Pommerehn, senior counsel with the Consumer Bankers Association. “There was great concern about jobs and debts and paying off bills.”

At the same time, college costs — and subsequently student loans — have ballooned. According to the Project for Student Debt, student debt increased an average of 6 percent each year from 2008 to 2012, with college graduates from 2012 having an average student loan debt of $29,400.

eh…I’d say credit cards are brilliant for establishing and building credit, especially because most of them come with 0% interest introductory offers.  After that, they’re a brilliant way to deal with emergencies.

If I’m in a financial emergency, I’d much rather have a credit card to fall back on, than get trapped in short term payday loan hell.

(via truth-has-a-liberal-bias)

Source: thinksquad
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  • Question: When girls go out wearing tiny, tight, skimpy outfits, I mean they have the choice to wear something else. some thing less provocative, so really girls are asking for it. - Anonymous
  • Answer:


    If you’re out in public and I see you’re not wearing any protective headgear does that give me the right to smash in your skull with a hammer? I mean you asked for it, since you’re not wearing something to protect your head. 

    I hate when people say crap like this. Except for when you’re wearing flip flops. You stub your toe running from something and that’s your own damn fault.

Source: scalelectricity


someone’s skipping leg day

(via realesthousewife)

Source: cringepics


‪#‎MemeGOP‬ ‪#‎UniteBlue‬

Poster boy for silver-spoon con artist who thinks the mountain of patriarchal and racist rules written in his monochromatic favor have had no advantageous effect on his “hard work”.

A true asshole.

So your biggest complaint about Romney is that he doesn’t feel guilty enough about his success? You sound like an ass. I can’t stand Romney, but what a stupid criticism. Source: memegop
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I usually prefer the term “progressive” but this is mostly right on.

Me too. But I wish more of my fellow liberals paid more attention to no. 4. Liberals are the ones pushing forward censorship, demanding people be fired for comments made in their personal lives, etc. It’s getting pretty sickening. Just because someone has a different ideology to yours does not mean they should be silenced. Let’s stop being entitled brats, and actually become progressive minded again. Because censorship, the apology culture…we’re better than that horse shit.

(via truth-has-a-liberal-bias)

Source: youngprogressivevoices
  • me most of the time: people are okay, I guess. like no one is 100% bad.
  • me after reading the comments section in any article, ever: this world can only be cleansed with fire.
Source: cynthiacloud




joan rivers called michelle obama the t slur /:

i think this is an interesting case as to why the affects of trans misogyny arent exclusive to trans women and why cis women and more importantly cis black women need to be more inclusive when…

Or it’s called being a comedian. That’s what Joan Rivers is, and has been for many years now. If you’re taking what a comedian says as a literal statement, I don’t think comedy is for you. It’s time to move on, and focus on just the boring über politically correct areas of life. I don’t think you can handle jokes, or people speaking freely. Censorship definitely suits you. Source: quickweaves


Dear major news outlets that are making it increasingly harder to SHARE your content, You are singing your own death certificate.


The Internet

(via truth-has-a-liberal-bias)

Source: kileyrae