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Kau
Canada3500 Posts
On June 26 2010 16:00 Eiserne wrote:Show nested quote +On June 26 2010 15:59 Kau wrote:On June 26 2010 15:48 Eiserne wrote:On June 26 2010 15:46 LosingID8 wrote:even though you're going to ignore everyone's comments regarding your ridiculously stupid decision to get an iphone, i'll say it again to reinforce it. having an iphone, or rather any sort of smartphone like a blackberry or droid in your financial situation is a SUPER dumb move. i seriously can't think of a legitimate reason to spend that percentage of your limited funds on a phone. On June 26 2010 15:14 Eiserne wrote:
As a music performance major I literally do not have any time to work. i call absolute 100% bullshit on this You can call bullshit on whatever you want but when you're in a performing ensemble 4 hours a day, class 6 hours a day, private practice 5 hours a day, lesson 10 hours a week, chamber music 20 hours a week, you can tell me how much time I have to get a job. Seriously, where do people get off assuming they know everything about someone's life? I shouldn't have even bothered asking anything of people on this website. Please close this/delete this asap. Performing ensemble - 4 hours/day Class - 6 hours/day Private Practice - 5 hours/day Lessons - 10 hours / week = ~1 hour/day Chamber music - 20 hours / week = ~3 hours/day Total = ~19 hours a day Now including time to eat, travel, talk/text on your expensive iphone, complain on teamliquid, and all those little things in life, I'd say you're getting less than 4 hours of sleep a day. I think you should slow things down a bit before considering getting a job. The first thing to go in my schedule is obviously private practice time, which gets bumped to closer to 3 hours a day. But yeah. Usually 5-6 hours of sleep a day, which so far has done me well but I'm sure has long term problems. And lessons is actually 8 hours a week, 4 2 hour lessons per week. In any case. That's my major.
What exactly is chamber music and why does it take so much time? And also, how come you have so many classes a day? I'm in computer engineering and barely break more than 3 hours a day of classes.
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is awesome32274 Posts
I don't understand what's so wrong about taking loans. You said you are going to be making 7k us$ in a year, so you should be able to pay everything back pretty fast and still make around 6k a month.
You still have a margin to loan more money imo.
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On June 26 2010 16:04 koreasilver wrote:
Also, how do you fit in WoW when you only have 5 hours to sleep a day or some shit according to what you say?
\o/
That was a point I made earlier int he thread... I did the WoW subscription last weekend and it was totally impulsive and outside of summer I never even have time to do that. That's why I smacked myself in the head today when Ir ealized all the stupid impulsive things I've done recently. I'm asking for advice in... I guess controlling that impulse. Maybe different budgeting concepts, spending practices... Things like the envelope system, where you put x amount of cash in 4 envelopes, one for each week of the month, and you spend that. Or even do better, and make it daily, but you cascade daily into the next one to make it bigger until you have enough to spend. That would certainly cut out impulse buying and make you plan ahead for bigger purchases. I actually quite like that idea.
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I know a really easy way to stop spending money on stupid things, don't carry money around with you. Try it man its served me well.
Well either that or realize that the things your buying have little to no real value and every dollar you spend now your going to have to repay twice as much with loan interest and what not.
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On June 26 2010 16:07 Kau wrote:Show nested quote +On June 26 2010 16:00 Eiserne wrote:On June 26 2010 15:59 Kau wrote:On June 26 2010 15:48 Eiserne wrote:On June 26 2010 15:46 LosingID8 wrote:even though you're going to ignore everyone's comments regarding your ridiculously stupid decision to get an iphone, i'll say it again to reinforce it. having an iphone, or rather any sort of smartphone like a blackberry or droid in your financial situation is a SUPER dumb move. i seriously can't think of a legitimate reason to spend that percentage of your limited funds on a phone. On June 26 2010 15:14 Eiserne wrote:
As a music performance major I literally do not have any time to work. i call absolute 100% bullshit on this You can call bullshit on whatever you want but when you're in a performing ensemble 4 hours a day, class 6 hours a day, private practice 5 hours a day, lesson 10 hours a week, chamber music 20 hours a week, you can tell me how much time I have to get a job. Seriously, where do people get off assuming they know everything about someone's life? I shouldn't have even bothered asking anything of people on this website. Please close this/delete this asap. Performing ensemble - 4 hours/day Class - 6 hours/day Private Practice - 5 hours/day Lessons - 10 hours / week = ~1 hour/day Chamber music - 20 hours / week = ~3 hours/day Total = ~19 hours a day Now including time to eat, travel, talk/text on your expensive iphone, complain on teamliquid, and all those little things in life, I'd say you're getting less than 4 hours of sleep a day. I think you should slow things down a bit before considering getting a job. The first thing to go in my schedule is obviously private practice time, which gets bumped to closer to 3 hours a day. But yeah. Usually 5-6 hours of sleep a day, which so far has done me well but I'm sure has long term problems. And lessons is actually 8 hours a week, 4 2 hour lessons per week. In any case. That's my major. What exactly is chamber music and why does it take so much time? And also, how come you have so many classes a day? I'm in compuper engineering and barely break more than 3 hours a day of classes.
Chamber music is things like string quartet and piano trio and stuff like that, which is typically 2 hours per day week days and 5 hours per day weekends. Biweekly performances, lots of stuff like that, required for a chamber music focus at my school. Also pretty much guarantees the chamber music TF in grad school, which is a big goal of mine.
I had to re-take all of my music theory classes when I got here so in order to graduate in 5 years which is necessary for my stafford loan amounts, I had to take 20+ hours a semester for the last 3 semesters.
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On June 26 2010 16:08 IntoTheWow wrote:
I don't understand what's so wrong about taking loans. You said you are going to be making 7k us$ in a year, so you should be able to pay everything back pretty fast and still make around 6k a month.
You still have a margin to loan more money imo.
I'm out of federal stafford loan money, so if I do take more loans it'd have to be private loans. I'm obviously gonna be looking into that for the next spring semester because I've capped out the federal loans. (Went to private university for two years which was the biggest major mistake of my life.)
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Then it's back to, this is so much easier/takes less time/seems cheaper, so I shouldn't worry about it. It's so easy to fall back into that bad habit.
This says all that needs to be said about your mannerisms. It is easier/takes less time/seems cheaper to take out loans and not work to pay for an iphone and not work, but in the long run it's not. you seem to understand this principle on small items such as fast food and gaming, yet fail to apply this concept to the larger issues at hand.
edit: I'm not saying you shouldn't take out loans or that loans are the root of your problems. i'm simply saying you should be taking out loans to pay for an iphone and eat fast food all the time blow it on gaming and alcohol.
i'm going to be taking out a loan soon for law school because i don't have 40k to spend up front. i'm going to be working nearly full time while trying to manage classes. good luck to me.
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Every time you want to impulse buy something, tell yourself that you can do it in an hour. Then think about it in the meantime and decide during that hour whether you really want it.
[[EDIT]] Why does everybody automatically assume that he has 20+ hours of free time a week and is lying about it?
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Kau
Canada3500 Posts
On June 26 2010 16:10 Eiserne wrote:Show nested quote +On June 26 2010 16:07 Kau wrote:On June 26 2010 16:00 Eiserne wrote:On June 26 2010 15:59 Kau wrote:On June 26 2010 15:48 Eiserne wrote:On June 26 2010 15:46 LosingID8 wrote:even though you're going to ignore everyone's comments regarding your ridiculously stupid decision to get an iphone, i'll say it again to reinforce it. having an iphone, or rather any sort of smartphone like a blackberry or droid in your financial situation is a SUPER dumb move. i seriously can't think of a legitimate reason to spend that percentage of your limited funds on a phone. On June 26 2010 15:14 Eiserne wrote:
As a music performance major I literally do not have any time to work. i call absolute 100% bullshit on this You can call bullshit on whatever you want but when you're in a performing ensemble 4 hours a day, class 6 hours a day, private practice 5 hours a day, lesson 10 hours a week, chamber music 20 hours a week, you can tell me how much time I have to get a job. Seriously, where do people get off assuming they know everything about someone's life? I shouldn't have even bothered asking anything of people on this website. Please close this/delete this asap. Performing ensemble - 4 hours/day Class - 6 hours/day Private Practice - 5 hours/day Lessons - 10 hours / week = ~1 hour/day Chamber music - 20 hours / week = ~3 hours/day Total = ~19 hours a day Now including time to eat, travel, talk/text on your expensive iphone, complain on teamliquid, and all those little things in life, I'd say you're getting less than 4 hours of sleep a day. I think you should slow things down a bit before considering getting a job. The first thing to go in my schedule is obviously private practice time, which gets bumped to closer to 3 hours a day. But yeah. Usually 5-6 hours of sleep a day, which so far has done me well but I'm sure has long term problems. And lessons is actually 8 hours a week, 4 2 hour lessons per week. In any case. That's my major. What exactly is chamber music and why does it take so much time? And also, how come you have so many classes a day? I'm in computer engineering and barely break more than 3 hours a day of classes. Chamber music is things like string quartet and piano trio and stuff like that, which is typically 2 hours per day week days and 5 hours per day weekends. Biweekly performances, lots of stuff like that, required for a chamber music focus at my school. Also pretty much guarantees the chamber music TF in grad school, which is a big goal of mine. I had to re-take all of my music theory classes when I got here so in order to graduate in 5 years which is necessary for my stafford loan amounts, I had to take 20+ hours a semester for the last 3 semesters.
Well with all the time you're spending in class, how does it make sense to have an iphone? Isn't an iphone for it's apps and stuff? How do you have time to play with the apps? Or are you using your iphone in class?
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It seems your asking us techniques or how you can curb your at times unecessary spending.
If that's the case i suggest you slap yourself in the face with your brand new iphone till you bleed.
Worked for me.
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Beyonder
Netherlands15103 Posts
I think about everything a couple of days before I buy it: do I really need it?
Unless of course a girl is involved. Money spender then!
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On June 26 2010 16:09 Eiserne wrote:Show nested quote +On June 26 2010 16:04 koreasilver wrote:
Also, how do you fit in WoW when you only have 5 hours to sleep a day or some shit according to what you say?
\o/ Maybe different budgeting concepts, spending practices... Things like the envelope system, where you put x amount of cash in 4 envelopes, one for each week of the month, and you spend that. Or even do better, and make it daily, but you cascade daily into the next one to make it bigger until you have enough to spend. That would certainly cut out impulse buying and make you plan ahead for bigger purchases. I actually quite like that idea. yes that's it!! the envelope system! this solved all my money management problems too, basically here's what you do.
1) buy those little envelopes that have a little flap on them. then you can decorate them with markers. i made one into a face with the little flap as his mouth haha!! make one for each week, or better yet, if you're feeling bold, try getting one for each day. then you can do what i like to call the "cascade effect".
2) put the money in the envelopes, an equal amount for each envelope. all you gotta do is wing it from here man, day by day or week by week. you got a new set of training wheels and you're flyin. just... don't touch any of the other envelopes. i'm warning you.
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On June 26 2010 16:15 Kau wrote:Show nested quote +On June 26 2010 16:10 Eiserne wrote:On June 26 2010 16:07 Kau wrote:On June 26 2010 16:00 Eiserne wrote:On June 26 2010 15:59 Kau wrote:On June 26 2010 15:48 Eiserne wrote:On June 26 2010 15:46 LosingID8 wrote:even though you're going to ignore everyone's comments regarding your ridiculously stupid decision to get an iphone, i'll say it again to reinforce it. having an iphone, or rather any sort of smartphone like a blackberry or droid in your financial situation is a SUPER dumb move. i seriously can't think of a legitimate reason to spend that percentage of your limited funds on a phone. On June 26 2010 15:14 Eiserne wrote:
As a music performance major I literally do not have any time to work. i call absolute 100% bullshit on this You can call bullshit on whatever you want but when you're in a performing ensemble 4 hours a day, class 6 hours a day, private practice 5 hours a day, lesson 10 hours a week, chamber music 20 hours a week, you can tell me how much time I have to get a job. Seriously, where do people get off assuming they know everything about someone's life? I shouldn't have even bothered asking anything of people on this website. Please close this/delete this asap. Performing ensemble - 4 hours/day Class - 6 hours/day Private Practice - 5 hours/day Lessons - 10 hours / week = ~1 hour/day Chamber music - 20 hours / week = ~3 hours/day Total = ~19 hours a day Now including time to eat, travel, talk/text on your expensive iphone, complain on teamliquid, and all those little things in life, I'd say you're getting less than 4 hours of sleep a day. I think you should slow things down a bit before considering getting a job. The first thing to go in my schedule is obviously private practice time, which gets bumped to closer to 3 hours a day. But yeah. Usually 5-6 hours of sleep a day, which so far has done me well but I'm sure has long term problems. And lessons is actually 8 hours a week, 4 2 hour lessons per week. In any case. That's my major. What exactly is chamber music and why does it take so much time? And also, how come you have so many classes a day? I'm in computer engineering and barely break more than 3 hours a day of classes. Chamber music is things like string quartet and piano trio and stuff like that, which is typically 2 hours per day week days and 5 hours per day weekends. Biweekly performances, lots of stuff like that, required for a chamber music focus at my school. Also pretty much guarantees the chamber music TF in grad school, which is a big goal of mine. I had to re-take all of my music theory classes when I got here so in order to graduate in 5 years which is necessary for my stafford loan amounts, I had to take 20+ hours a semester for the last 3 semesters. Well with all the time you're spending in class, how does it make sense to have an iphone? Isn't an iphone for it's apps and stuff? How do you have time to play with the apps? Or are you using your iphone in class?
I use it to manage my string quartet and the people I hire to play with me for wedding gigs, I manage a large amount of gigs during the school year when there are players around. Keeping track of both a calendar and contacts and locations and finances that way is done on my phone. It's easy to say do it on paper or do it on a computer but I need to have it on something that's always with me so that when I get a calla bout someone wanting to set up a performance, it's right there and I can verify it and verify other people's schedules. (All the people I hire share their google calendars with me which I have loaded into my calendar so I can see when they are free, add the event to their calendar, send them a message asking them to confirm it, etc.) all done with the apps on the iPhone which streamlines the entire thing and has probably already made me thousands of dollars in that way. Or at least saved me that much.
I do use it as a metronome and tuner too  haha.
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On June 26 2010 16:17 yubee wrote:Show nested quote +On June 26 2010 16:09 Eiserne wrote:On June 26 2010 16:04 koreasilver wrote:
Also, how do you fit in WoW when you only have 5 hours to sleep a day or some shit according to what you say?
\o/ Maybe different budgeting concepts, spending practices... Things like the envelope system, where you put x amount of cash in 4 envelopes, one for each week of the month, and you spend that. Or even do better, and make it daily, but you cascade daily into the next one to make it bigger until you have enough to spend. That would certainly cut out impulse buying and make you plan ahead for bigger purchases. I actually quite like that idea. yes that's it!! the envelope system! this solved all my money management problems too, basically here's what you do. 1) buy those little envelopes that have a little flap on them. then you can decorate them with markers. i made one into a face with the little flap as his mouth haha!! make one for each week, or better yet, if you're feeling bold, try getting one for each day. then you can do what i like to call the "cascade effect". 2) put the money in the envelopes, an equal amount for each envelope. all you gotta do is wing it from here man, day by day or week by week. you got a new set of training wheels and you're flyin. just... don't touch any of the other envelopes. i'm warning you.
I really do think I'm going to work on this. I'm sure I can handle that.
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On June 26 2010 16:12 EmeraldSparks wrote:
Every time you want to impulse buy something, tell yourself that you can do it in an hour. Then think about it in the meantime and decide during that hour whether you really want it.
[[EDIT]] Why does everybody automatically assume that he has 20+ hours of free time a week and is lying about it?
it's summer break? wouldn't he have more time to spend working... this thread turned into a much larger discussion about his spending habits
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Kau
Canada3500 Posts
On June 26 2010 16:18 Eiserne wrote:Show nested quote +On June 26 2010 16:15 Kau wrote:On June 26 2010 16:10 Eiserne wrote:On June 26 2010 16:07 Kau wrote:On June 26 2010 16:00 Eiserne wrote:On June 26 2010 15:59 Kau wrote:On June 26 2010 15:48 Eiserne wrote:On June 26 2010 15:46 LosingID8 wrote:even though you're going to ignore everyone's comments regarding your ridiculously stupid decision to get an iphone, i'll say it again to reinforce it. having an iphone, or rather any sort of smartphone like a blackberry or droid in your financial situation is a SUPER dumb move. i seriously can't think of a legitimate reason to spend that percentage of your limited funds on a phone. On June 26 2010 15:14 Eiserne wrote:
As a music performance major I literally do not have any time to work. i call absolute 100% bullshit on this You can call bullshit on whatever you want but when you're in a performing ensemble 4 hours a day, class 6 hours a day, private practice 5 hours a day, lesson 10 hours a week, chamber music 20 hours a week, you can tell me how much time I have to get a job. Seriously, where do people get off assuming they know everything about someone's life? I shouldn't have even bothered asking anything of people on this website. Please close this/delete this asap. Performing ensemble - 4 hours/day Class - 6 hours/day Private Practice - 5 hours/day Lessons - 10 hours / week = ~1 hour/day Chamber music - 20 hours / week = ~3 hours/day Total = ~19 hours a day Now including time to eat, travel, talk/text on your expensive iphone, complain on teamliquid, and all those little things in life, I'd say you're getting less than 4 hours of sleep a day. I think you should slow things down a bit before considering getting a job. The first thing to go in my schedule is obviously private practice time, which gets bumped to closer to 3 hours a day. But yeah. Usually 5-6 hours of sleep a day, which so far has done me well but I'm sure has long term problems. And lessons is actually 8 hours a week, 4 2 hour lessons per week. In any case. That's my major. What exactly is chamber music and why does it take so much time? And also, how come you have so many classes a day? I'm in computer engineering and barely break more than 3 hours a day of classes. Chamber music is things like string quartet and piano trio and stuff like that, which is typically 2 hours per day week days and 5 hours per day weekends. Biweekly performances, lots of stuff like that, required for a chamber music focus at my school. Also pretty much guarantees the chamber music TF in grad school, which is a big goal of mine. I had to re-take all of my music theory classes when I got here so in order to graduate in 5 years which is necessary for my stafford loan amounts, I had to take 20+ hours a semester for the last 3 semesters. Well with all the time you're spending in class, how does it make sense to have an iphone? Isn't an iphone for it's apps and stuff? How do you have time to play with the apps? Or are you using your iphone in class? I use it to manage my string quartet and the people I hire to play with me for wedding gigs, I manage a large amount of gigs during the school year when there are players around. Keeping track of both a calendar and contacts and locations and finances that way is done on my phone. It's easy to say do it on paper or do it on a computer but I need to have it on something that's always with me so that when I get a calla bout someone wanting to set up a performance, it's right there and I can verify it and verify other people's schedules. (All the people I hire share their google calendars with me which I have loaded into my calendar so I can see when they are free, add the event to their calendar, send them a message asking them to confirm it, etc.) all done with the apps on the iPhone which streamlines the entire thing and has probably already made me thousands of dollars in that way. Or at least saved me that much. I do use it as a metronome and tuner too haha.
Doesn't an agenda and pen do 90% of those things for 1% the price at only 1.3 times the inconvenience?
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Dude.
![[image loading]](http://www.indiana.edu/~libpres/manual/materials/matimages/notebook.jpg)
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On June 26 2010 16:20 Kau wrote:Show nested quote +On June 26 2010 16:18 Eiserne wrote:On June 26 2010 16:15 Kau wrote:On June 26 2010 16:10 Eiserne wrote:On June 26 2010 16:07 Kau wrote:On June 26 2010 16:00 Eiserne wrote:On June 26 2010 15:59 Kau wrote:On June 26 2010 15:48 Eiserne wrote:On June 26 2010 15:46 LosingID8 wrote:even though you're going to ignore everyone's comments regarding your ridiculously stupid decision to get an iphone, i'll say it again to reinforce it. having an iphone, or rather any sort of smartphone like a blackberry or droid in your financial situation is a SUPER dumb move. i seriously can't think of a legitimate reason to spend that percentage of your limited funds on a phone. On June 26 2010 15:14 Eiserne wrote:
As a music performance major I literally do not have any time to work. i call absolute 100% bullshit on this You can call bullshit on whatever you want but when you're in a performing ensemble 4 hours a day, class 6 hours a day, private practice 5 hours a day, lesson 10 hours a week, chamber music 20 hours a week, you can tell me how much time I have to get a job. Seriously, where do people get off assuming they know everything about someone's life? I shouldn't have even bothered asking anything of people on this website. Please close this/delete this asap. Performing ensemble - 4 hours/day Class - 6 hours/day Private Practice - 5 hours/day Lessons - 10 hours / week = ~1 hour/day Chamber music - 20 hours / week = ~3 hours/day Total = ~19 hours a day Now including time to eat, travel, talk/text on your expensive iphone, complain on teamliquid, and all those little things in life, I'd say you're getting less than 4 hours of sleep a day. I think you should slow things down a bit before considering getting a job. The first thing to go in my schedule is obviously private practice time, which gets bumped to closer to 3 hours a day. But yeah. Usually 5-6 hours of sleep a day, which so far has done me well but I'm sure has long term problems. And lessons is actually 8 hours a week, 4 2 hour lessons per week. In any case. That's my major. What exactly is chamber music and why does it take so much time? And also, how come you have so many classes a day? I'm in computer engineering and barely break more than 3 hours a day of classes. Chamber music is things like string quartet and piano trio and stuff like that, which is typically 2 hours per day week days and 5 hours per day weekends. Biweekly performances, lots of stuff like that, required for a chamber music focus at my school. Also pretty much guarantees the chamber music TF in grad school, which is a big goal of mine. I had to re-take all of my music theory classes when I got here so in order to graduate in 5 years which is necessary for my stafford loan amounts, I had to take 20+ hours a semester for the last 3 semesters. Well with all the time you're spending in class, how does it make sense to have an iphone? Isn't an iphone for it's apps and stuff? How do you have time to play with the apps? Or are you using your iphone in class? I use it to manage my string quartet and the people I hire to play with me for wedding gigs, I manage a large amount of gigs during the school year when there are players around. Keeping track of both a calendar and contacts and locations and finances that way is done on my phone. It's easy to say do it on paper or do it on a computer but I need to have it on something that's always with me so that when I get a calla bout someone wanting to set up a performance, it's right there and I can verify it and verify other people's schedules. (All the people I hire share their google calendars with me which I have loaded into my calendar so I can see when they are free, add the event to their calendar, send them a message asking them to confirm it, etc.) all done with the apps on the iPhone which streamlines the entire thing and has probably already made me thousands of dollars in that way. Or at least saved me that much. I do use it as a metronome and tuner too haha. Doesn't an agenda and pen do 90% of those things for 1% the price at only 1.3 times the inconvenience?
No, absolutely not... how would I possibly know the schedules of all the people I hire for gigs?
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Austin10831 Posts
Lots of people here are telling you to moderate your spending, to not shop impulsively and to maintain overall better fiscal responsibility. You and I both know that it's impossible, these people are just talking about "theories" and they don't live in the real world.
But there is another option. First, you need to trim down your time spent playing music. I know each of those practice sessions are important, and you can't simply cut one, so what you should do is just play the pieces of music faster. If you play them all much faster, you can get through them quickly and have more time for other things. (its not like you need to play them at the right speed when people aren't listening, this isn't carnegie hall)
Ok, the next part of the plan is you have to use the money you already have to make more money. Gotta spend money to make money, right? Wrong! You have to loan money to make money. Leverage any credit you can with the banks or federal loans and get yourself as much cash as you can. Then you can start loaning out that cash to other people at a higher interest rate, with little to no risk. I know this sounds like a job, but it's not. It's more like gambling (like poker where its easy money, not like a slot machine). There you go problem solved, who's next?
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On June 26 2010 16:21 Lemonwalrus wrote:Dude.
As cute as you're trying to be, I've addressed why that doesn't work.
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EPT
