EPTOn June 26 2010 16:21 Lemonwalrus wrote:
Dude.
![[image loading]](http://www.indiana.edu/~libpres/manual/materials/matimages/notebook.jpg)
Dude.
has not failed me yet. but i do have nicer pens. perhaps he could blow his money on pens.
Financially Pathetic. - Page 5
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Coca Cola Classic
266 Posts
has not failed me yet. but i do have nicer pens. perhaps he could blow his money on pens. | ||
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TossFloss
Canada606 Posts
1. Sell your iPhone 2. Cancel your contract. Go find the world's cheapest phone & plan. Regarding the credit card bill - do you mean you're paying $50 of interest per month? If so, let me put this into perspective: You $50 perpetual monthly payments are worth over $6000. Pay off your credit cards. Keep in mind, you will be paying all these debts with after-tax dollars. So if the government taxes you 20%, your $800/month loan is really $1000 of pre-tax dollars. Sit down and brain-storm a list of ten types of peoples/organizations who would pay for your services. Parents want a music teacher? Indy game studio? Go out and find them. | ||
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Lemonwalrus
United States5465 Posts
On June 26 2010 16:23 Eiserne wrote: As cute as you're trying to be, I've addressed why that doesn't work. You said a pen and paper were out because they couldn't always be with you. A notebook is several pieces of paper that are bound together between a protective covering, so it CAN always be with you. Edit: And then when you get home you can look at the shit you wrote down and confer with google calendar to set everything up. You lose a bit of productivity, but you save a bunch of money. It is on option. | ||
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d3_crescentia
United States4054 Posts
As for budgeting, have a focused plan/goal, and real external consequences if you don't think you can "just do it." Figure out how much you can save in a month if you stopped doing/buying X, and make your savings goal slightly over that so you think twice. Stage an intervention for yourself with your trusted friends and make deals with them to keep you on track (i.e. if I spend money on Y I have to give you an equal amount of money or you get to smash my iPhone). The key to changing your current savings situation is to trade your long-term unpleasant consequences for immediate unpleasant consequences. | ||
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Eiserne
United States340 Posts
On June 26 2010 16:25 TossFloss wrote: Professionals kept organized long before the iPhone. Sorry, but you've been smoking the Apple hooch. Do yourself a favor: 1. Sell your iPhone 2. Cancel your contract. Go find the world's cheapest phone & plan. Regarding the credit card bill - do you mean you're paying $50 of interest per month? If so, let me put this into perspective: You $50 perpetual monthly payments are worth over $6000. Pay off your credit cards. Keep in mind, you will be paying all these debts with after-tax dollars. So if the government taxes you 20%, your $800/month loan is really $1000 of pre-tax dollars. Sit down and brain-storm a list of ten types of peoples/organizations who would pay for your services. Parents want a music teacher? Indy game studio? Go out and find them. As I've said many times before, there's no chance of me getting rid of my phone, the one thing in my life that saves me assloads of time and stress. Re: cc bill, I always pay double the minimum payment so it was at like 40 a month now it's at about 25 a month, so I pay $50 to pay it off as fast as possible. which is still slow. haha. | ||
BroOd
Austin10833 Posts
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TossFloss
Canada606 Posts
On June 26 2010 16:27 Eiserne wrote: As I've said many times before, there's no chance of me getting rid of my phone, the one thing in my life that saves me assloads of time and stress. Your falling into the fallacy of acting big when you're small - you're time is not worth as much as you think it is. | ||
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Eiserne
United States340 Posts
On June 26 2010 16:30 TossFloss wrote: Your falling into the fallacy of acting big when you're small - you're time is not worth as much as you think it is. uh. | ||
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Eiserne
United States340 Posts
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Cambium
United States16368 Posts
On June 26 2010 16:32 Eiserne wrote: Well, off to bed for me. Gig int he sleep. Surprisingly I actually did get a lot of useful information out of this blog! haha. Thanks to everyone that actually helped out =P Glad you decided to take Brood's constructive suggestions. Best of luck! | ||
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yubee
United States3826 Posts
On June 26 2010 16:32 Eiserne wrote: no problem man. and the envelope system? pay it forward.Well, off to bed for me. Gig int he sleep. Surprisingly I actually did get a lot of useful information out of this blog! haha. Thanks to everyone that actually helped out =P | ||
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iNcontroL
USA29055 Posts
Are you really bitching about having no money while you just bought an iPhone 4? Seriously? Isn't that literally in the top 5 most expensive phone/plans you can manage? Brood did a job well done here but.. fuck dude.. seriously? | ||
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starfries
Canada3508 Posts
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Grobyc
Canada18410 Posts
On June 26 2010 16:21 Lemonwalrus wrote: Dude. you're cute walrus~ :3 | ||
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denzelz
United States604 Posts
On June 26 2010 16:30 TossFloss wrote: Your falling into the fallacy of acting big when you're small - you're time is not worth as much as you think it is. This is exactly the right economic way of looking at this. When you are not making any money, your time is simply not worth very much. How much time can an iPhone save you versus going on a regular computer to pay bills or using pen and pad? | ||
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JustAnotherKnave
United States67 Posts
I don't think your money is that poorly spent. Yeah, you got suckered into WoW spending and some gambling; perhaps you'll learn from it. $50 CC bill is damn near nothing, but don't neglect to pay it. Also, I'd say get used to your lifestyle until you're ready to break out your professional name as a musician and you can angle for money. In the meantime, loans, school, and music is not a bad way to live. Maybe learn the art of writing letters so you can successfully acquire awards and grants en lieu of loans. | ||
Heyoka
Katowice25012 Posts
Why should you remain unbanned? Here is your new issue. | ||
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TheAntZ
Israel6248 Posts
This is kinda like the BW strategy forum. you: "hey guys cud u pls comment on my harss in dis game dnt kno why i lost" someone who isnt a moron: "you didnt macro ever" you: "no just focus on the harass and tell me what i could do better there pls" someone who isnt a moron: "if you dont macro harass is worthless" you: "omg ur stupid learn to read" | ||
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Hectic
Australia159 Posts
Start by making a plan for each week. Even plan your meals. Know exactly what you are going to eat for each meal and stick to it. Make sure its not too difficult or time consuming or expensive. Might sound dumb, but if you can control what you are gonna eat it might teach you to control other aspects of your life. | ||
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Golden Ghost
Netherlands1041 Posts
But much more important is the following: Write down all the money that's coming in and all your expenses. June 2nd: $300 from gig -$30 groceries -$15 fastfood -$100 phonebill June 3rd: $400 from gig -$400 rent etc. etc. There are also programs to help you with this. Just google for "personal finance software", "budget calculator", "budget planner" Somebody already mentioned Mint and although I'm personally not familiar with it it's pretty good from a first look. I believe it tracks your credit card spending automatically but I don't know if you can alter it's descriptions. I personally would prefer a program in which I personally had to enter everything because then you are more consciously working on it and whenever you get money from an ATM you can specify what it was used for a lot better. This gives you a clear view of what's coming in and going out each month and helps you to adjust your spending pattern where needed. | ||
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