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On June 27 2010 10:32 SniperVul5 wrote:
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.
I've actually found that this is a lot more easily said than done. Music is rather unique in the terms of private tutoring because people really don't like the idea of being taught how to do an art by a student compared to a professor - especially when private lessons with professors are the norm.
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This is actually pretty good.
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On June 27 2010 11:49 seppolevne wrote:
There's no magic formula to not buying frivolous things, you just FUCKING DON'T.
Buying WoW time? DON'T
Going all-in? DON'T
Eating fast-food? DON'T
you missed the iphone man, i really dont think that could ever be hammered home hard enough. Cause just maybe one day, it'll actually work and he'll thank us for it
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My suggestion is to leave your debit card or credit card at home and pay for stuff with cash if possible. That way, any money that you withdraw has to last until you make another separate trip to the bank. Don't leave home with all of it either, just a few bucks unless you're planning on a big purchase. It cuts down on impulse decisions like buying a snack or whatever and puts a hard cap on what you can spend in any outing.
Heck, I'd try and avoid making any purchases with your credit card unless there is literally no other alternative and it's really important to you.
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17052 Posts
This is kind of an aside, but living paycheck to paycheck is especially dangerous when you have to consider unexpected events. For example, if you get really sick, or end up in an accident, you're going to have to find money to pay for that somehow. Unless you have decent insurance (which you might, given that you're a student), that's going to be a lot of money down the drain to fix those problems. Same with any car issues, etc. If you need any more motivation to have at least some money in the bank, at the very least keep an emergency fund so you can get yourself out of potential messes.
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On June 27 2010 13:42 goldrush wrote:
My suggestion is to leave your debit card or credit card at home and pay for stuff with cash if possible. That way, any money that you withdraw has to last until you make another separate trip to the bank. Don't leave home with all of it either, just a few bucks unless you're planning on a big purchase. It cuts down on impulse decisions like buying a snack or whatever and puts a hard cap on what you can spend in any outing.
Heck, I'd try and avoid making any purchases with your credit card unless there is literally no other alternative and it's really important to you.
I shredded my credit card a long time ago 
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On June 27 2010 13:42 goldrush wrote:
My suggestion is to leave your debit card or credit card at home and pay for stuff with cash if possible. That way, any money that you withdraw has to last until you make another separate trip to the bank. Don't leave home with all of it either, just a few bucks unless you're planning on a big purchase. It cuts down on impulse decisions like buying a snack or whatever and puts a hard cap on what you can spend in any outing.
Heck, I'd try and avoid making any purchases with your credit card unless there is literally no other alternative and it's really important to you.
Really? I find managing my funds with my credit card/debit card MUCH easier than with cash. With online transaction reports, I know exactly how much money I've spent; whereas I often lose track with how much cash moves out of my wallet.
My suggestion is however, don't spend what you don't have on your credit card. If you only have $500 in your checking, don't rack up a $1000 debt in your CC.
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17052 Posts
On June 27 2010 16:08 Cambium wrote:Show nested quote +On June 27 2010 13:42 goldrush wrote:
My suggestion is to leave your debit card or credit card at home and pay for stuff with cash if possible. That way, any money that you withdraw has to last until you make another separate trip to the bank. Don't leave home with all of it either, just a few bucks unless you're planning on a big purchase. It cuts down on impulse decisions like buying a snack or whatever and puts a hard cap on what you can spend in any outing.
Heck, I'd try and avoid making any purchases with your credit card unless there is literally no other alternative and it's really important to you. Really? I find managing my funds with my credit card/debit card MUCH easier than with cash. With online transaction reports, I know exactly how much money I've spent; whereas I often lose track with how much cash moves out of my wallet. My suggestion is however, don't spend what you don't have on your credit card. If you only have $500 in your checking, don't rack up a $1000 debt in your CC.
Yeah. Simply treat your credit card as a debit card. Pay off the entire payment as soon as you can, and just build up credit/get some rewards perks along the way.
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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.
Even though I think you are absolutely wrong in the way you prioritize things. I dont know what iphones do, never had one, but just maybe its helping you keep your life organized, which I think you could achieve just as easily with your computer and an internet connection.
However in my year in the US I have faced the whole 'dont wanna cook, gonna order out' thing, and quite literally I was saved by google
http://www.google.com/search?sourceid=chrome&ie=UTF-8&q=easy to make food
almost every single result led me to some delicious good that I could make easily (while listening to some music or whatever) in minutes. You will never be rid of your gambling problem no matter how you try because you have a mindset that forces you to cling to your decisions. And the best advice that I can give you to stay away from subscription MMOs is to play other games online that dont take a monthly fee, sc2, guild wars, etc. Theres plenty of games out there that wont rob you monthly.
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.
Do you think its logical to anyone at all in the world to play video games that require you to pay monthly while you are in a situation where you need to budget? Dude people in college eat ramen every day every week so that they can save money to do other stuff, hell I know a dude who had a super heavy stacked char on lineage 2 that sold it even though he spent yeeaars playing hardcore day and night, simply so he could afford more stuff when in college.
I dont think you'll find even a single person who agrees that you can keep doing everything you're doing and still find a magic quick fix shortcut solution to spending less.
And the teamliquid populus are people like you. Mostly college aged, with a huge sense of entitlement. If a community that argues about almost anything and everything not SC related (and a lot of sc related stuff too) surely it must mean something that almost everyone is calling you a dumbass? Sometimes, its not the world. Its you.
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On June 27 2010 15:35 Eiserne wrote:Show nested quote +On June 27 2010 13:42 goldrush wrote:
My suggestion is to leave your debit card or credit card at home and pay for stuff with cash if possible. That way, any money that you withdraw has to last until you make another separate trip to the bank. Don't leave home with all of it either, just a few bucks unless you're planning on a big purchase. It cuts down on impulse decisions like buying a snack or whatever and puts a hard cap on what you can spend in any outing.
Heck, I'd try and avoid making any purchases with your credit card unless there is literally no other alternative and it's really important to you. I shredded my credit card a long time ago
O brilliant idea! stop building up credit at all, that'll be wonderful for your future financial growth and stability. yes, wonderful that you can't control something as simple as a credit card, cuz obviously if you have one, you just HAVE to use it irresponsibly. ME TOO PARTNER! i'm going to DESTROY THE CREDIT CARD SO I CAN'T USE IT .//// YES. perhaps its better that i never get a gun cuz obviously i'll have to use that too, and how knows what kinda trouble that will lead me into
oh yeah, and ditch the iphone; it'll do a lot for your financially pathetic state.
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I stopped reading after page 6 or so, but how has anyone not brought up the fact that you could've just gotten a used 1st gen iphone for a hundred bucks? of ALL things, really the iphone FOUR?
But anyway, since I spend my time doing "trivial things" like playing poker, and apparently budgeting myself wisely, I am fortunate enough to be well off and financially independent. Here is what I'll offer you: In a year you say you will be making a lot of money. I'll loan you as much as you need and want, and at the end of the year you don't have to pay me any interest. The catch is I get to legally set your balls on fire until you're infertile (I'd have you sign something I guess?) if you run off with my money or you don't make your expected income.
If you take this deal, it's likely because you are confident you will make that amount of $ and have nothing to fear/lose.
If you don't, hopefully it's because you realize blind reliance on future hopes while perpetuating the exact same foolishness that keeps half of America in debt will only result in a broken heart (and incinerated genitalia), and the best way to avoid this is to just change your ways immediately. You've been asking "how" to change your ways, the solution has been pointed out many times already.
This has been a pretty long, and vulgar, way of me telling you what everyone else has already said but I thought maybe you'd appreciate it better this way, idk it's late and I'm not thinking straight. Someone did mention something very smart previously btw, in that you overvalue the worth of your time. Objectively look at things in perspective and realize afaik iphones haven't saved people from financial ruin, careful planning and sensible budgeting has though.
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On June 27 2010 16:08 Cambium wrote:Show nested quote +On June 27 2010 13:42 goldrush wrote:
My suggestion is to leave your debit card or credit card at home and pay for stuff with cash if possible. That way, any money that you withdraw has to last until you make another separate trip to the bank. Don't leave home with all of it either, just a few bucks unless you're planning on a big purchase. It cuts down on impulse decisions like buying a snack or whatever and puts a hard cap on what you can spend in any outing.
Heck, I'd try and avoid making any purchases with your credit card unless there is literally no other alternative and it's really important to you. Really? I find managing my funds with my credit card/debit card MUCH easier than with cash. With online transaction reports, I know exactly how much money I've spent; whereas I often lose track with how much cash moves out of my wallet.
It sounds like the OP knows where his money is going, it's more a problem of keeping him from spending it on stupid shit because he's lazy.
Personally, I don't spend much on extraneous stuff so it's almost all big chunks at a time and I can keep track of it fairly easily. Especially since I withdraw in regular amounts so it follows a similar pattern every time.
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konadora
Singapore66358 Posts
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I would suggest dont listen to these silly comments. Iphone is a must have for the young hip musicians.
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The OP is a troll. We should stop feeding him.
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I'm not sure how much time you have etc, but if you want to earn some extra money you could sign up at http://becomeaguide.chacha.com/.
You're bascially a person who googles questions for other people, you're paid on comission so you have to have some time I suppose.
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I actually have a lot easier time managing my money with a credit/debit card than with cash. Cash just gets blown quite quickly when I have it, I RARELY ever carry cash anymore, unless I get some from somebody ... and I've been managing my money extremely well this year.
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yeah fast food really takes a big bite out of your earnings
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music major who is too lazy to get a job, but perfectly content on getting an iphone...
Why, how ever could you be in such a poor financial state!?
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EPT![[image loading]](http://s3.amazonaws.com/theoatmeal-img/comics/apple/header.png)
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