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shurgen
350 Posts
On June 27 2010 07:17 Coca Cola Classic wrote: no, you fail to grasp the concept that you're make enough money. living, even partially, off loans does not mean you're making enough money. this. | ||
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anderoo
Canada1876 Posts
On June 27 2010 06:50 Eiserne wrote: 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. don't lump them together like the teamliquid populus is one big single-minded organism you just took a sampling of a few dozen people from different backgrounds and from different areas of the world and they all more or less are saying the same thing. do you see the common denominator? when you say you want peoples advice on how to stop stupid expenses and they rag on you for buying an iphone, maybe it's legitametly a stupid expense, even if you wish people would ignore it for whatever strange attachment you have to that device it is still the largest financial mistake you've talked about so far. | ||
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Eiserne
United States340 Posts
On June 27 2010 07:17 Coca Cola Classic wrote: no, you fail to grasp the concept that you're make enough money. living, even partially, off loans does not mean you're making enough money. edit: grammar Wow, you edited your grammar into that post? I'm astonished. And your point is completely false. I make the money I need to live right now. Not living off loans would be impossible in my situation. Get off your high and mighty horse and forget everything you think you know. | ||
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SuperJongMan
Jamaica11586 Posts
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Qualm
721 Posts
On June 27 2010 07:37 Eiserne wrote: Wow, you edited your grammar into that post? I'm astonished. And your point is completely false. I make the money I need to live right now. Not living off loans would be impossible in my situation. Get off your high and mighty horse and forget everything you think you know. I don't understand your reasoning at all. If you do make enough money, why are you even posting this blog? Because of can't spend it properly? Well, that's exactly what people are pointing out; yet you keep responding to them in an overly aggressive and defensive way... Look, you need to realize that everyone here is only trying to help you, however rude that help ends up being. Coming back and insulting them for that isn't going to help you nor is it respectful. Also: 1. You don't make the money you need to live. You get it from loans. It's fundamentally different. 2. Like someone posted earlier, why don't you just get an iPod touch instead of spending one eight of your rent on a telephone. That's 1.2k a year to be able to call people. | ||
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ella_guru
Canada1741 Posts
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numLoCK
Canada1416 Posts
Classic advice would be to go with the government approach. They don't say "okay you're gonna owe us X dollars at the end of this month, make sure you save it so you can pay us." They make sure they get their money asap, before you have a chance to spend it. You just have to do the same, put money aside in some sort of investment right when you get paid, like 5-15% of your earnings, and just pretend that its money you didn't earn. It is not money you can spend. That way you don't end up trying to make a budget and running out of funds at the end of the month. Don't trust yourself to have that self control. Oh, and if you really don't think you can afford to take 5-15% out of your income, look at your monthy expenditures and take out the frivolous stuff. Stuff like expensive coffee, fancy lunches, crazy phone bills, etc. I'm sure you'll realize that you can definitely survive without that lil bit of your income. | ||
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Hitokiri
Spain306 Posts
On June 27 2010 07:37 anderoo wrote: don't lump them together like the teamliquid populus is one big single-minded organism you just took a sampling of a few dozen people from different backgrounds and from different areas of the world and they all more or less are saying the same thing. do you see the common denominator? when you say you want peoples advice on how to stop stupid expenses and they rag on you for buying an iphone, maybe it's legitametly a stupid expense, even if you wish people would ignore it for whatever strange attachment you have to that device it is still the largest financial mistake you've talked about so far. What? Banned from my blog. | ||
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Divinek
Canada4045 Posts
On June 27 2010 04:44 JustAnotherKnave wrote: Probably sell a few blowjobs or a kidney so he can get another no he'd just die, can we move away from that subject. There's so many joke comparisons i can make here that i wont cause it'd be in bad taste | ||
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StorkHwaiting
United States3465 Posts
1. Utilities - Unplug all devices at night. Turn off/unplug A/C when you leave. Take cold showers. That's 12.5% of your monthly budget you could perhaps reduce by a third. 2. Food and Gas - Any way to car pool? Any way to get a bus card? Any way to ride a bike instead? Try to get creative with different ways to save on gas. In terms of food, try to go with cheaper options. Buy a big bag of rice from the Asian market and just make your own fried rice with eggs and scallions at home. Cheap and tasty. Buy a bulk bag of oatmeal online and boil your own oatmeal for breakfast. There are some pretty cheap wholesale vendors online if you order a 35lb bag or more. Buy a big jar of cinnamon from a cheap spice market, get a bag of brown sugar or a jar of honey, and mix both of them into your oatmeal. Buy apples, dried cranberries, or raisins in bulk and mix those into the oatmeal if you're getting bored. Crushed nuts can be used as well. In general, cereals and grains are the cheapest in terms of calories/dollars. But if you worry about having some diversity in your diet, I recommend tuna, tofu, or raw frozen chicken breasts as good sources of cheap protein. Canned tuna, some lemon/pepper, and bulk boxes of pasta are often a good way to cook healthy for yourself with a minimum effort. Boil the pasta, pop open a can of tuna, drain it, break the tuna up with a fork, squirt a lemon wedge, sprinkle some pepper salt, and put it over the pasta. Mix it around a bit, maybe a dash of olive oil, and you've got a decent meal. Rice goes pretty well with any other kind of meat. Ground beef, ground chicken, ground turkey, bacon bits, etc, all go well with rice in some form or another. I don't want to turn this into a cook book but there are a million and one cheap, healthy, tasty, and easy ways to cook for yourself. Oh and if you're buying broccoli, other veggies, etc, make sure to break the stems off before you purchase them. That's a good way to reduce the weight of the produce (it's almost always charged by the pound) and gets rid of parts that you wouldn't eat anyway. Also, could you get a part-time job at a grocery store? Or a job delivering for a restauraunt/pizza joint? It's usually night-time shifts, so might not interfere with your schooling, and they always give free food at the end of the night. You could really start stockpiling food that way, AND make some decent money on tips. | ||
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Pakje
Belgium288 Posts
![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/header.png) ![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/1.png) ![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/2.png) ![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/3.png) ![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/4.png) ![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/end.png) | ||
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naonao
United States847 Posts
On June 27 2010 06:50 Eiserne wrote: 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.. It seems you understand that you are spending extra money for convenience and want to change that. However you state that your iPhone is for convenience yet you refuse to get rid of it. Cutting this convenience would save you as much money as your other problems combined. Btw- I too understand the value of apple products as I am posting this from my iPad. Edit- as for your other spending problems I'm sure there's an app for your iPhone that could help you manage your money, maybe something that'll make a load noise every time money is spent so that it will discourage you from spending more money. | ||
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kb.RepulsE
China124 Posts
User was warned for this post | ||
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Eiserne
United States340 Posts
On June 27 2010 09:56 kb.RepulsE wrote: How the hell are you not banned yet? You keep ignoring everyone's advice and accusing everyone of being ignorant when actually you are yourself. Every single person who has posted in this blog has disagreed with you and told you to either get a job or get rid of that iphone. You know there's a saying where if one person doesn't agree with you, that's okay but if tons of people do, you need to rethink what you're doing. Yeah, so that means I should get banned. you're really fucking smart. How are you not banned yet for backseat moderating? You're definitely banned from my blog, as typically I want to converse with people with more than 50% of a brain. User was warned for this post | ||
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SniperVul5
Canada166 Posts
Anyways as for the problem, I always found that putting some money away (into a savings acc) and NEVER touching it at all unless its an emergency helps out in the long run. (especially since you have loans to pay off eventually too). Interest builds up nicely over a long time so I'd consider that as an easy first step. If you're a music major .... why can't you do a part time job by teaching friends your talent? It would be flexible hours for you (and to some degree your students). Also it would be nice money on the side (I'm working towards medicine and I tutor statistics, chem and mathematics along with my full time job in a research lab). This way you can still perform your obligations while attempting to mend your problem. EDIT: lol didnt read some posters above whove described my 1st point sorry. | ||
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zerostumbleine33
United States18 Posts
Working even 10hrs a week at campus dining would be better than having no money at all, especially if you refuse to get rid of useless things such as an iphone. And as someone stated before, an ipod touch would do the same job without the monthly bill. I'm on campus for a large part of my day, and my ipod gets internet service, so it really functions much like an iphone. If you are on campus as often as you say, that would suit you just fine. My best friend is an art education major and says the same thing about having "no time" to work, but I guarantee she had the time, its all in how you manage it. If you want advice on how to manage your finances, it is just in having self control. Set aside money into your savings account so you can't use your debit card constantly at fast food places, etc. If you are living on mostly loans as well, I wouldn't suck up every dollar either, unless you are guaranteed that top paying spot next year...and well, for quite some time after. On top of schools loans, general living expense loans as well....that is a shit ton to pay back eventually. Especially with a career in music, in which it is not known for paying that well. And also OP, most other students are also holding down jobs while being in extremely competitive majors, especially these days. Being able to manage your time and money is part of that, and the most successful people will be the ones who figure out how to fit in everything, and how to cut out what is unnecessary. I'd cut the iphone lol. But really, look into creating a savings account with your bank, and putting some % of money into it from your loan so that you have less money at your disposable to mess around with and waste. It gets interest too, so that is also to your advantage, and you can use it when you really do end up needing some extra money. edit: lol sorry, I posted mine right after the person above me who pointed out the exact same thing. | ||
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kb.RepulsE
China124 Posts
On June 27 2010 10:19 Eiserne wrote: Yeah, so that means I should get banned. you're really fucking smart. How are you not banned yet for backseat moderating? You're definitely banned from my blog, as typically I want to converse with people with more than 50% of a brain. All you've been doing is insulting people. Thought I'd give you a taste of your own medicine. | ||
Hot_Bid
Braavos36402 Posts
Repulse, even if your intentions are good, let the mods handle banning and warning. "How are you not banned yet" is not an acceptable post, it's an insult that shouldn't be used. Eiserne, it's your blog, but that doesn't mean you have the right to call anyone you want stupid. Don't insult people just because you disagree with them. | ||
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seppolevne
Canada1681 Posts
Buying WoW time? DON'T Going all-in? DON'T Eating fast-food? DON'T | ||
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Spiffeh
United States830 Posts
later, when you get a better income (because of the good decisions you make right now), go ahead and get a fancy cell phone if you wish. it's all about priorities. | ||
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