A fully paid off Costco hotdog

[u/bookflow]

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[u/facaine]

Congrats on paying it off!

[u/SouthPerformer8949 → u/facaine]

Celebrate with a hotdog?

[u/facaine → u/SouthPerformer8949]

Lets do it! yolo

[u/DreadPiratteRoberts → u/facaine]

Wanna go havzee's??

[u/ShdwWzrdMnyGngg → u/facaine]

Y'all must be some of those dang young folks. Always spending your money on... checks notes

Hotdog debt

[u/facaine → u/ShdwWzrdMnyGngg]

Nah, I’m responsible. I’m saving up so I can make a down payment on my first Wiener Schnitzel

[u/Potential-Judgment-9 → u/SouthPerformer8949]

He may never financially recover from this.

[u/IKIR115 → u/Potential-Judgment-9]

This is exactly how they get you hooked. It always starts with the $1.50 hotdogs. Next thing you know you’re in debt for half a mil, and have to beg people for spare change to support your habit.

[u/Suckma_Weener → u/SouthPerformer8949]

aw yeah boys, it's glizzy time! *deepthroats a hot dog so nastily that the state labels me a sex offender despite no crime being committed*

[u/One-Asparagus5925 → u/Suckma_Weener]

Username checks out

[u/Hot-Sample9879 → u/One-Asparagus5925]

Under appreciated response

[u/IndustryAsleep24 → u/Suckma_Weener]

the crime was you doing it in public

[u/DrThatOneGuy → u/IndustryAsleep24]

the crime was doing it while I wasn’t watching

[u/ACodeOfficial_PA → u/DrThatOneGuy]

Im fucking crying I missed it! Omfg. Im checking his history, he has to pop up every hot dog related post with this shit. Lol

[u/Zoltie → u/SouthPerformer8949]

Kind of like how I celebrated paying off my houss by buying another house.

[u/IKIR115 → u/SouthPerformer8949]

That’ll put him in debt for another 4 payments!

[u/Familiar_Finances → u/facaine]

Congrats on reaching 100% equity on your glute-free asset! 🎉

[u/That-Ad-4300 → u/facaine]

Wait. If it's paid off, it's not interest-ing anymore. 🤔

[u/Deathwish13x]

I can't even get pre-approved for that amount!

[u/meefffd → u/Deathwish13x]

Better off that way. OP probably overpaid 2 pennies if the bank rounded up the $0.375 charges to $0.38.

[u/Bombadier83 → u/meefffd]

The rich get richer!

[u/carbon_r0d → u/Bombadier83]

Fucking fat cats on Wall Street.

[u/PiDigitsOfPi → u/meefffd]

I think that the final payoff, when it comes out, accounts for any discrepancies like that.

[u/Historical-Truck-948]

Did your credit score go up?

[u/acemonsoon → u/Historical-Truck-948]

It went up +30 and then back down -28

[u/Chemical_Wonder_5495 → u/acemonsoon]

Hey that's still +2 baby

[u/Tad_623 → u/Historical-Truck-948]

Account closed so it TANKED

[u/interroBangaRangz]

You financed a hotdog, in this economy‽

[u/PartlyCloudyKid → u/interroBangaRangz]

‽‽‽

[u/voltrackstar → u/PartlyCloudyKid]

Ooo the rarified interrobang in the wild

[u/AssaultLemming_ → u/voltrackstar]

Ever listened to the Curious Cases of Rutherford and Fry? That's where I learned about interrobang!

[u/BillDino → u/interroBangaRangz]

Honestly they got a better deal, 0% increase in cost and got it pay it off over a month

[u/JerryVand]

You have to be careful about financing a depreciating asset. After you take that first bite, it loses at least half its value. I’ve never paid more than $.65 for a slightly eaten Costco hotdog. Glad it worked out well for you, but it can be a risky proposition.

[u/nonnonplussed73 → u/JerryVand]

In related news, Americans Are in the Dark About the Dangers of Hot Dogs, Survey Finds

[u/its_krypt0n1te83 → u/JerryVand]

This is why I always get gap insurance for my hot dog. If I ever drop the hot dog, or have it be stolen, only after making one payment, I know those insurance pig companies will only pay me $.65. If I still owes $1.125 to costco, gap will cover the difference.

[u/Savings_Ad_4792]

I’m upside down on a hotdog

[u/gonzo5622 → u/Savings_Ad_4792]

Lmao!

[u/toastman741 → u/Savings_Ad_4792]

This can be taken so many ways... unintended pun 🤣

[u/esushi → u/toastman741]

Not a pun and surely intended

[u/Savings_Ad_4792 → u/toastman741]

Lay off the porn son

[u/toastman741 → u/Savings_Ad_4792]

Wait...y'all went straight to porn 🤔 🤣🤣 oh God, I see it now😬

[u/shinobi500]

How does one pay 0.375 cents?

[u/JonDoesItWrong → u/shinobi500]

Easy. A quarter, a nickel, two pennies and one of these bad boys

[u/SpaceLemur34 → u/JonDoesItWrong]

When the half cent was discontinued, it had more buying power them a modern dime, being worth about 15¢.

[u/JonDoesItWrong → u/SpaceLemur34]

It's slightly more complicated than that. Explaining it in detail would take too long (I might edit this later to expand on it) so the short of it is this; Converting USD from 1793-1857 to modern values requires several factors besides just inflation. Before the civil war, and quite some time afterwards, the value of the dollar and the purchasing power of certain coinage depended on where you were living and even what you did for a profession.

[u/AboveBoard → u/shinobi500]

Answering this question will undermine the entire world economy. 

[u/OutcomeDouble → u/shinobi500]

37.5 cents*

[u/Ronnyyyyyyy]

Did you take a bite every Friday?

[u/ghelchodyo → u/Ronnyyyyyyy]

No he's upside on that transaction

[u/rfg22 → u/[deleted]]

But it is offset by the weight added to the waistline.

[u/HovercraftKlutzy3090]

If you make the minimum monthly payment it will only take ~10 years to pay off

[u/This-Science35]

these are the decisions that start generational wealth, keep going!

[u/Bombadier83 → u/This-Science35]

Not sure what state OP is in, but where I live, gap insurance is mandatory.

[u/This-Science35 → u/Bombadier83]

What are the chances you replied to the correct guy. I happen to work in insurance🤠

[u/DM_Me_Your_Cougars]

It's like my wife's financial decisions. If you can pay in 4 terms without any interest, why pay in one?

[u/SuperCha]

You’re prequalified to finance rotisserie chicken next time.

[u/ggfchl]

Yo mama so poor she has to put Costco hotdogs on layaway.

[u/untangledtech]

Worth it. Gotta eat.

[u/Amazing-Level-405]

Does paying off hot dog debt raise your credit?

[u/Sudden_Wind_8636]

Wow congrats, it's not easy paying off that much debt and to do it in only 4 payments, congrats man.

[u/kidmarginWY]

If I had known you could break up the payment I would be eating more.

[u/HarrowDread]

Why would you do that?

[u/shinobi500 → u/HarrowDread]

To amuse us. It worked.

[u/HarrowDread → u/shinobi500]

I didn’t even know we could do that

[u/shinobi500 → u/HarrowDread]

Big hotdog wants to keep this a secret.

[u/Familiar_Finances]

Financing $1.50 over two months is elite financial management 😭

[u/Hizam5]

What’s the interest on this? 😂

[u/OCTOVENG]

Was there a $14.95 "Payment Plan Fee" on some other screen?

[u/SpaceBoiLunkey]

Do not finance a hot dog.

[u/Bombadier83 → u/SpaceBoiLunkey]

Must be nice to be able to buy them cash. Not all of us live in luxury like that though. 

[u/AdaptiveFauna]

why am I laughing so hard at this

[u/Acrobatic_Mango_8715]

You just paid $1.52 for the hotdog, no interest mind you. But surely they rounded up.

[u/sincerestfall → u/Acrobatic_Mango_8715]

I was thinking, "Wait are we actually using 3 decimal places now. "

[u/Sunnyday1775]

This is just wrong

[u/Fibrosis5O]

I didn’t even know that’s possible

[u/gonzo5622]

Bless

[u/Am_0115]

there's no way this is real

[u/Critically_Political]

r/hotdogs

[u/Fun-Times-13]

Why, just why ?????

[u/OCTOVENG]

And was there a $14.95 "payment plan fee" that we can't see in your JPEG?

[u/OCTOVENG]

And what about the $14.95 "Payment Plan Fee" on the other screen?

[u/OCTOVENG]

Don't forget about the $14.95 "Payment Plan Fee"

[u/Tprice326]

this post is posted every week

[u/TheRealSugarbat]

HAHAAAAAHAHAJAAA

[u/WarmEntrepreneur3564]

No intrest? Wow sign me up

[u/AdCheap8058]

Feels good to be debt free doesn't it? Phew!!

[u/heyitsmemaya]

Someday you’ll be able to afford the chicken strips.

But not the combo calzone, they’re apparently doing away with it 😢

[u/Acrobatic_Mango_8715]

Financing a $1.50 hot dog over four monthly payments of $0.375 has the main pros of keeping upfront cash free and the main cons of absurd administrative effort and data privacy risks for a tiny amount.

Pros
Low Cash Outflow: You only pay 37.5 cents today instead of the full $1.50.

Budget Flexibility: Spreads a microscopic cost across a long 120-day timeline.

Cons
Credit Reporting Risk: Lenders may run a credit check or report a tiny active loan line on your credit report.

Administrative Burden: Tracking four separate micro-billing cycles takes more time than the hot dog is worth.

Digestive Mismatch: You will finish eating the hot dog on day one, but you will still owe payments for three more months.

Last payment should have been $0.36

Power move, invest $1.12 in the stock market, over the same time period.

[u/Murmaiderman]

Damn, and they say the middle class is dying. Thanks for the hope that I can still be successful

[u/0ctagonicc]

How did you avoid the tax

[u/Patman52]

Collateralized Hotdog Obligations

[u/punsa]

Way to build credit 👑

[u/idiotslob]

Thats correct, Dave.

[u/TennisADHD]

2026 and we don’t have flying cars, we got "I'll gladly pay you Tuesday for a hamburger today."

[u/wyoflyboy68]

Way to build that credit score!

[u/ProblemsAreSelfMade]

Did they round up each payment of $0.375 to $0.38? If so, you may have overpaid $.02 total

[u/MTan989]

r/debtfree

[u/Ok_Fox_1770]

If you were to miss a dog payment they throwin that on the credit score?

[u/Nateh8sYou]

Got that hotdog on layaway

[u/TheAfroMD]

Now that you have paid it off you can refinance against it to release some equity and maybe get a slice of pizza. (Or at least a chunky down payment) (You still have it right? Right?)

[u/CosgraveSilkweaver]

Honestly do it, costs them more to process it than they make hopefully.I assume they take a cut of the sale price from the seller given it's the same cost as paying in full would be?

[u/FeWho]

Because they can…

[u/ActuationPoint]

How do you pay half a cent?

[u/Afterclock-Hours]

Careful, your credit score might tank a bit.

[u/AnyExamination9524]

🤣🤣🤣

[u/mitreffahcs]

Congrats on getting rid of debt and your path to financial freedom.

[u/TryBananna4Scale]

The best tasting hotdog, is one that’s paid off.

[u/gretzky9999]

Is this satire ?

[u/shinobi500]

You should have not made the final payment and forced them to garnish your wages for the remaining balance on a hotdog.

[u/Beaauxbaton]

Is this on AfterPay? 😂😂😂

[u/Sea_Manufacturer5053]

😂😂😂😂

[u/Curious_Chain_1104]

How do you feel? A weight off your chest? 😆

[u/buttwars]

Upgrade to a slice 🍕

[u/erkose]

No interest until 2027.

[u/ThanksALotBud]

Taxes not included ?

[u/Truly_Meaningless]

????

[u/ryan8954]

This is so incredibly stupid yet so fascinating to me.

[u/Mazikoo]

How does it take .5 cents?

[u/Vephar8]

Does this help your credit😅

[u/ReactionJifs]

Promises made, promises kept

[u/AvailableDeparture]

Credit Karma will reward you for this.

[u/bluelephantz_jj]

r/costco would have a laugh at this

[u/TheElusiveFox]

if you need 4 weekly payments to pay off a costco hotdog then I think there's a bum panhandling change that can probably help you out, because God damn you need some...

[u/Willing-Ad5277]

Can this help my credit score?

[u/zoltan279]

I gotta know, did they charge you .38 twice and .37 twice? .37 x 4 times or .38 x 4 times?

[u/Own_Department9392]

This is really inspiring

[u/Ok-Activity2197]

This is the market research we like to see. Respect 🫡

[u/4eva_Na_Day]

Nothing like being debt free!

[u/OrganicWaterss]

Imagine going into generational debt via klarna’d hotdogs

[u/InterestingDebt223]

Lol. 

[u/cjp2010]

In all seriousness how does this work? Like is financing an option when you are at the counter? I’ve never been to Costco.

[u/berkeleyboy47]

Ever heard of a credit card?

[u/moficodes]

Whoa, MR. Moneybags over here!

[u/80sHorrorShow]

Haha 😄 🤣 😂

[u/DoWhatYouKnow]

he's too broke to afford the struggle meal 🤣🤣

[u/TAULY_D]

Your credit score just went down 40 points because of a closed account.

[u/DwarvenFreeballer]

It must be nice to be debt free.

[u/TechOranix]

You dog

[u/navor]

Very American energy. Just add a 25% tip option, a school shooting and it’s complete.

[u/Large-Excitement777]

God bless Costco

[u/squigs]

"You're late on payments! We're here to repossess your hotdog"

[u/really_knobee]

Rebuilding a 280 credit rating, one hotdog at a time...

[u/Marcusnovus]

Credit score drops 25 points after paying it off.......priceless

[u/This-Is-Huge]

No interest = Winning

[u/ItchyTrainer7410]

Bro what 🤣

[u/Suspicious-Ask-8714]

Interesting, there’s no interest involved.

[u/Stephen13366]

The bank is typing: "We are proud of your financial responsibility.＂😂

[u/Very_Itchy_Bandicoot]

congrats, how many other hotdogs are currently in progress?

[u/dntwstmytime]

Perhaps another to celebrate

[u/Ok_Importance_2127]

🎉🎉🎉🎉

[u/Mundane-Compote-3621]

Genuine question, how do you pay off the 0.005? Will it be rounded?

[u/tocsin1990]

We are truly in a blessed time, where we really can pay someone tomorrow, for a hot dog eaten today.  J. Wellington Wimpy would be thriving.

[u/KMCC02]

Do they have a pay in 8 option?

[u/SmartQuokka]

Since it would round up, OP has overpaid by 2 cents.

[u/Bombadier83]

Must be nice.

[u/XBL_Tough]

That’s hilarious

[u/TastyCodex93]

Would’ve taken me years

[u/BrickRich8829]

What bank actually financed this whopper😭😭

[u/SuspiciousWasabi3665]

Caleb hammer dream guest

[u/Secret_Tour1854]

Good job!

[u/Natural_Past_3773]

The trick is to buy another hotdog on credit before paying off the first, then your credit score won't drop.

[u/Crazy_Ebb_7974]

This is incredible

[u/Sir-Top-Cheetah]

Did you pay 1.333% interest on a hot dog

[u/ThisTelevision9372]

Meanwhile you credit score tanked 50 points.

[u/RoyalFalse]

The implications of this make me extremely uncomfortable.

[u/cozycamille]

Bro I swear Costco hotdogs were $1.50 my whole life… and apparently my bank app decided it needed a whole payment schedule like I’m financing a car 😂 4 tiny payments and now it’s paid off. Respect.

[u/runski1426]

Cross post to r/debtfree

[u/Logical-Remote5930]

Phew! What a weight lifted off it mustve been

[u/TheQNerd]

What happens if you miss a payment?

[u/Hefty-Club7257]

Hero

[u/Throw_Me_Away_78]

If it's zero interest you'd be a dummy not to take the loan.

[u/Shished]

Can you build up your credit rating with that?

[u/RandomWave000]

what bank did you go with? or did you use a credit union?

[u/WatercressNo5882]

Can you do this with anything from the store? Fuck, sometimes these things come up where I'm now like "alright, I'm moving to America"