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Financially Pathetic. - Page 7

Blogs > Eiserne
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Fzero
Profile Blog Joined October 2007
United States1503 Posts
June 26 2010 16:27 GMT
#121
It's hard if you don't have rules. You'll always say.. "Well, it's just 20$".. oh.. Burger King? It's just 5 bucks and I'm starving..


If you make 1,000$ month then you need to plan out your budget and only allow yourself a certain amount for specific things, don't cheat.

If you have 400$ rent and 200$ food and 100$ gas and whatever else.. you need to plan aside from that some SAVINGS.. don't budget yourself out to have 0$... cut back a little bit everywhere that you can and while it might hurt in the short term.. you'll be much more stable mentally when you look in your account and know that should something bad happen - you have some money saved up.
Never give up on something that you can't go a day without thinking about.
Eiserne
Profile Blog Joined February 2010
United States340 Posts
Last Edited: 2010-06-26 16:38:07
June 26 2010 16:35 GMT
#122
how did this post survive
Eiserne
Profile Blog Joined February 2010
United States340 Posts
Last Edited: 2010-06-26 16:40:49
June 26 2010 16:35 GMT
#123
On June 27 2010 00:10 Pokebunny wrote:
Show nested quote +
On June 26 2010 23:17 Stratos_speAr wrote:
On June 26 2010 15:28 Eiserne wrote:
On June 26 2010 15:23 gchan wrote:
Controlled spending. Don't indulge yourself. Every time you want to make a spontaneous spending decision (like eating out vs eating in, going out drinking, buying an iphone, etc), don't do it. Start a regiment and stick with it. Create a spreadsheet and meticulously keep track of income and expenses you have every week or month. If you see how much you blow indulging yourself on paper, you might give it a second thought.

Edit: lol at needing an iPhone. Try the original calendar tracker, an actual calendar + notepad/pen. You can text with a regular phone. You can keep track of you gigs with pencil and paper.

Yeah, no. You're wrong about the iPhone stuff. But I'm not gonna argue with you. It's simply not true. And using paper and pencil ANYTHING is so volatile. Easy to misplace, damage, leave at home when you need information now, it's just not sensible.


I'm a music major myself, so I can see how it is hard to have a job. However, there are jobs that can work, you just need to actually try and look.

That said, you are still spending your money really poorly. Yea, your situation may be kind of tough, but that's not an excuse to be stupid. Plenty of music people handle their money fine while dealing with the fucked up schedule that music entails. You need to control yourself and don't go out and nickel & dime yourself to flat broke. All of that shit was pretty unnecessary (especially WoW) and you just need to start practicing self control. Before you do any of this stuff from now on, ask yourself, "Do I really need to spend money on this crap?" Then, go to your checkbook, go over all of the numbers and see if you can actually afford it. That'll give you a good amount of time to think about if it's worth it.

Oh, and no, you do NOT need an iPhone. People have been using paper & pencil/pen for a very, very long time and they do fine. Hell, that's how I keep track of all of my shit. That was a pretty big expenditure. I'd recommend dropping that ASAP - you're basically buying into that Apple B.S. to keep the iPhone.

Finally, if things really are a problem for you, then consider living on campus in a dorm. You can get financial aid to give you a student loan to cover that and then you can keep what you are spending on rent for anything else from your other student loans (books, registration fees, etc...). It's a big reason as to why I won't live off campus (that and my campus doesn't allow it). Sure, you're still living off of money that isn't yours, but it allows you to actually live and then you can pay it all off after school when you get a damn job.

Oh, and on the topic of working,

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.


4 hours a day for a performing ensemble? Is this one ensemble? If so, what kind of ensemble is it? Jesus christ I'm in one of the top choirs in the country and we only practice an hour to an hour and a half a day. If it's more than one group, don't be in every group. Unless you're at a completely ridiculous school, you should only be required to be in one group based on your primary performance instrument.

Private practice 5 hours a day is starting to push it. Consider cutting it back. It's just like anything else in life - and I'll use a SC example here. We see that it's actually detrimental to practice SC a shitload every day - the same is true with practicing an instrument constantly. Re-evaluate yourself and make sure you aren't practicing too much.

Lessons 10 hours a week. Ok, what? This is completely ridiculous. Are you taking multiple instruments? Are you seriously taking lessons on one instrument 10 hours a week? I find it very, very hard to believe that you can't cut back here.

Chamber music 20 hours a week. That can go along with your performance ensemble. I'd be willing to bet it isn't required and you also need to evaluate if this is multiple groups or one group (in which case they're asking for too much time). Again, I'd be willing to bet that it isn't required that you're in this group.

Overall, you seem to still have the high school syndrome going - you think you should be entitled to be in every group/club that you have interest in. Unfortunately, you need to learn that you CAN'T do everything that you want to do. You need to sacrifice certain things in order to get along in life. Once you get your graduate degree, then you can be in a ton of different groups, but to pay your way through college and actually survive, you're going to have to - like every other student - sacrifice some groups/clubs in order to live.

However, some people just can't sacrifice those groups - I completely understand that some have enough of a passion to skip a job so they can continue performing. If that's the case, then your situation is 100% your fault and you need to suck it up and learn to manage what little money that you have.


Best post in the thread, if you respond poorly to this then I dunno what to say.


I'm only in one truly voluntary group and that's my bluegrass band. Which is the second thing to get cut, right after personal practice time =P And yes, I actually have to have lessons on 3 instruments, cello, my secondary instrument viola, (secondary instruments required for performance majors), and piano (required for all music majors.) Chamber music is my focus and the reason I do 20 hours a week is so I can get that paid TFship at 7k a semester. Absolutely necessary. Everything I'm doing is highly necessary.

I still don't understand why people feel the need to advise me to get rid of my phone. Not happening, people. That's not the point AT ALL.
koreasilver
Profile Blog Joined June 2008
9109 Posts
Last Edited: 2010-06-26 17:32:15
June 26 2010 16:50 GMT
#124
Tell me how to save money but don't say anything about my frivolous expenses!

edit: lol

Your thought processes aren't rooted in rationality at all. You can try to rationalize all your mistakes and shortcomings away with excuses but the primary issue of you being an idiot stays. It's laughable that you even talk about trying to purchase a good cello when good cellos generally run 5 digits. Your priorities are skewed incomprehensibly.

and i'm not asking how to cut my spending or how to save money, lol.

Really? Because I remember reading something in your first post that said something like...

Somehow, I've spent the entire remaining $200 nickel-and-diming myself. I look back and say, man, I shouldn't have gotten that WoW subscription, I rarely ever play! I shouldn't have bought into full tilt, I was fucking around drunk with a friend and lost $45. I shouldn't have transferred servers with my wow character and spent $25. I should have bought food at the store and made it rather than spend $50 in fast food in the last two weeks.

But for some reason I've never been able to make the change, I always say I'm going to do better and I never manage it. I have to be able to keep money.

Hmm...

The first paragraph is all about how you need to cut spending and the second paragraph specifically says something about keeping money, which is saving money.

Whatever though, buddy. You obviously know what needs to be done but you can continue to delude yourself at your own expense.
Eiserne
Profile Blog Joined February 2010
United States340 Posts
Last Edited: 2010-06-26 16:57:30
June 26 2010 16:53 GMT
#125
On June 27 2010 01:50 koreasilver wrote:
Tell me how to save money but don't say anything about my frivolous expenses!

welcome to the banned section of my blog, join the other fools and have a good time.

edit: and i'm not asking how to cut my spending or how to save money, lol. you still can't comprehend that? I'm -not- looking for your opinion on how I spend my money. I know there are some stupid spending things in there, like fast food and WoW and shit like that, but in my life, not in your life, in my eyes, not iny our eyes, and in my priorities, not your priorities, my phone is not a frivolous expense. So if that's all you're gonna comment on, bow out and rage against the iPhone elsewhere.
baller
Profile Blog Joined March 2006
527 Posts
Last Edited: 2010-06-26 17:48:18
June 26 2010 17:47 GMT
#126
[image loading] [image loading]

after some statistical analysis of ur spending, i have determined this this month, u spent far too much on useless (red) things than useful (green) things.

u should cut down on the red spending, then u will have more money...
Stratos_speAr
Profile Joined May 2009
United States6959 Posts
June 26 2010 17:56 GMT
#127
On June 27 2010 02:47 baller wrote:
[image loading] [image loading]

after some statistical analysis of ur spending, i have determined this this month, u spent far too much on useless (red) things than useful (green) things.

u should cut down on the red spending, then u will have more money...


Forget it. He's completely delusional and refuses to realize that all of this is his fault for spending money on stupid shit. Not only that, he refuses to realize that his priorities are part of the problem.

Nice graph though. Props for both the effort and color choice. :D
A sound mind in a sound body, is a short, but full description of a happy state in this World: he that has these two, has little more to wish for; and he that wants either of them, will be little the better for anything else.
shurgen
Profile Joined October 2009
350 Posts
June 26 2010 18:09 GMT
#128
I can't believe you are just dismissing everyone trying to help you.

The saddest part is that even with all this superawesome music stuff going on for you, if you keep wasting your money on things you don't actually need you are most likely going to end up:

1. jobless
2. in your parents' basement for life/actually homeless

You said yourself how competitive music is. If you don't see yourself as in the top 5% of your class right now, you absolutely need to cut your total expenses as dramatically as possible because you aren't about to get a job that is going to pay a decent amount once you finish school.

Even if you cut out EVERYTHING useless in your life e.g. fast food instead of eating in, a WoW subscription.

It will NEVER add up to an amount that will help you as much as cutting your iphone plan.

You could possibly get an itouch which is significantly cheaper (and doesn't have recurring fees) which will have similar apps etc as an iphone without the plan.
Then just get any cheap ass phone (you can even find the cheapest blackberry for 0$ with a reasonable plan) and carry both with you at the same time.

This is both faster and more portable than carrying a pen and paper.
It is also cheaper than paying for exuberant iphone fees.
JustAnotherKnave
Profile Joined May 2010
United States67 Posts
June 26 2010 19:23 GMT
#129
This guy has no interest in listening to anything, or at least he's not responding to any criticism he considers constructive. Instead, he only chooses to repost when he wants to argue or validate himself.

Eiserne is a waste of time, people!
i like your mother
Taku
Profile Blog Joined February 2009
Canada2036 Posts
June 26 2010 19:38 GMT
#130
I wonder what would happen if that iphone were ever to die...
When SC2 came for BW, I cried. Now LoL/Dota2 comes for SC2, and I laugh. \o/
JustAnotherKnave
Profile Joined May 2010
United States67 Posts
June 26 2010 19:44 GMT
#131
On June 27 2010 04:38 Taku wrote:
I wonder what would happen if that iphone were ever to die...


Probably sell a few blowjobs or a kidney so he can get another
i like your mother
nayumi
Profile Blog Joined May 2009
Australia6499 Posts
June 26 2010 19:55 GMT
#132
So you can't earn money but you desperately need to pay $$$ for iPhone and WoW every month.

Here's what you need to do:
1. Spend all your money.
2. Sink deeply in debts.
3. Get beaten up to death by loan sharks.
4. If somehow you're not dead, learn your lesson (if not, repeat 1)

Problem solved imo.

Or you could listen to what people have been suggesting in the previous 7 pages: drop the fucking iPhone.

Sugoi monogatari onii-chan!
Aquafresh
Profile Joined May 2007
United States824 Posts
Last Edited: 2010-06-26 20:12:33
June 26 2010 20:10 GMT
#133
Ugh I feel like I'm enabling here, but why did you need an iPhone specifically? There are other devices that do the same thing for a fraction of the cost. The Palm smartphones range from $0-50 for the device itself, (Verizon) and all the unlimited garbage still brings you to less than $80 in recurring costs. It does all the same things if you're willing to put some time into searching for the right apps, has a superior operating system, superior network, and HP won't pretend it doesn't exist anymore when they release a newer model. Obviously the smart thing to do would have been to make do with a lower tech solution, but if you felt you absolutely must have a smartphone there are both better performers and less expensive devices than an iPhone.

I think most people that are ragging on you about the iPhone because you went with the most stylistic yet least economically efficient device in its class to meet a very questionable need. The fact that you don't consider this to be an issue when on a limited budget is a symptom of a far greater problem than not being able to keep things like your fast food spending in check. Ditch this mentality and the small stuff will fall into place as you (hopefully) settle into a less hectic lifestyle.
InTheFade
Profile Blog Joined May 2010
United States1721 Posts
June 26 2010 21:08 GMT
#134
The new iPhone is obviously more for social status. No one needs one to function as a human being. The WoW is just an addiction that steals time and money. There's really not much I can contribute for your issues. The best lessons learned usually happen after you fall flat on your face. Self-control isn't really something you can teach to an adult. If you don't understand the value of a dollar now, you may never know
... Knowmsayin'?
Liquid`Nazgul
Profile Blog Joined September 2002
22427 Posts
June 26 2010 21:27 GMT
#135
this issue goes so much deeper than an iphone, you're just completely incapable of adjusting your own point of view after overwhelming disagreement. I bet that will work out nicely in an orchestra too.
Administrator
intrudor
Profile Blog Joined December 2009
Canada446 Posts
June 26 2010 21:38 GMT
#136
How did you live prior to 2007 back when the iPhone didnt even exist?


anyhow....blog is properly titled; Financially Pathetic. at least you recognize that..
USER MIGHT BE WARNED FOR THIS COMMENT
intrudor
Profile Blog Joined December 2009
Canada446 Posts
June 26 2010 21:39 GMT
#137
gotta agree with Nazgul here...even if hes a protoss user.
USER MIGHT BE WARNED FOR THIS COMMENT
Eiserne
Profile Blog Joined February 2010
United States340 Posts
Last Edited: 2010-06-26 21:57:37
June 26 2010 21:50 GMT
#138
Just stop posting if you are gonna keep harping on my decision to buy a phone when I needed one. (Yes I needed A phone even if you don't think an iPhone was necessary cause my old phone was dead.)

you fail to grasp the concept that I make enough money. I do live off of loans partially but I'm also a freelance musician and that brings in money too.

I am addressing my problem. my problem is fast food/gamblign/gaming money that I don't even want to spend! It's just that I seem to value convenience over everything else and it's more convenient to eat fast food than to cook for yourself.

I was looking for tips to change lifestyle habits, that do not include changing my phucking phone bill.
If you do not grasp this concept, please go to a different blog.
I will not respond to any post about my choice of phones.
That is all.


Re: Nazgul, I value the opinion of some people here, but to say I should change my mindset because the Teamliquid populus disagrees with me is... not entirely logical.
Coca Cola Classic
Profile Blog Joined October 2008
266 Posts
Last Edited: 2010-06-27 18:00:42
June 26 2010 22:17 GMT
#139
no, you fail to grasp the concept that you're making enough money. living, even partially, off loans does not mean you're making enough money.

edit: grammar
안녕하세요~~
nineninja9
Profile Joined March 2010
United States194 Posts
June 26 2010 22:19 GMT
#140
Just posting to say that if anything, I'm glad that this horrendous blog got baller to make more graphs.

Eiserne, at the end of the day this is a matter of self control and it's up to you to do something about it. I hope you're at least aware that the iPhone was a bad choice. It's fine if you really like the phone and are willing to make the sacrifices to pay for it, but damn, if you really think that you NEED the phone, then there really is a larger problem.
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