Money.....

On May 10 2011 10:03 mifan wrote:
Dude, sacrifices must be made for a better future. Stick with university education. I was in a similar situation like you. Spent so many years in school, was in a lot of debt and finally got out last year and got a job working on a reserve as a teacher. Right now, I am just working and paying off my debt as well as getting teaching experience. I can relate to you as being poor, even my colleagues call me cheap because I wouldn't spend money on anything. Other than food, I'm pouring all my salary into paying off student loan, paid off 22k already in half a year, 13k to go. But you know that, if I spend money now and the more I spend, the less I will have to pay for my student loans and the later I will realize my goals. It goes back to my first sentence. If you want a better future, make the sacrifices. In the end, you will be better off. Don't just settle for less like a truck driver. Don't worry about what others say to you, you do what you gotta do.

On May 10 2011 10:05 Joementum wrote:
Any chances of just using student loans? How much is your Uni every year? Any chance of going someplace cheaper?

On May 10 2011 10:26 Impervious wrote:

I'm in a fairly specific program now.....

I initially went into Civil engineering because I figured it was really broad and would allow me to specialize later on. I've now taken courses that lead me into a structural/geotechnical path, as well as for a management path. The only Universities that I know of that offer this type of stream is Ottawa, Western, and California State University, Long Beach. CSULB is out of the question, and between Ottawa and Western, neither are going to be much different, in terms of costs.

Alternative would be to drop the management option, or switch into a different engineering program with a management option. Both are viable, but switching will likely cause me to need to take 3 years (since I don't have certain 2nd year courses I'd need for other engineering programs). Especially since my hometown is Guelph, and there isn't a Civil program to my knowledge.

I don't see too many options..... And if I go home to switch, it would mean I'd have spent 6 years of Uni to get a 4 year degree..... And it's not the degree I'm interested in either. I really think that I'd rather spend a few years doing other shit than try to get an education about something I'm not passionate about.

My main plan is to get a good job here in Ottawa, and go as a part time student instead. It would take longer, but at least I wouldn't have to leave for 4 years. But that is becoming far more unlikely by the day..... And I've gotta make a decision soon.....

On May 10 2011 10:40 Impervious wrote:
I've already got appointments booked with some councillors for later this week. And have talked to them on a few occasions about my situation in the last couple of weeks.

I have been thinking about the long term outcome. My goal is to get this degree. If I found a good full-time job in Ottawa, I could go part-time to University and get my degree in probably 4 years. If I can't, then another job, save money, then go back full-time would take 6 years. There seems to be no way I can pull it off any quicker than those two.....

As for student loans - it's not enough. I can get government loans (OSAP and whatnot), but they aren't enough, and I do not have anyone to co-sign for a better private loan - I've run out of that already.....

On May 10 2011 10:58 tryummm wrote:
I think your problem is all you're thinking about is debt. It doesn't sound like you have ever seriously considered making a large sum of money on a continuous bases. Too bad making money is not a concept taught in school, even to economics students. When you see yourself as poor, you see yourself as being a truck driver, and you see yourself as not being able to continue studying at University what you're really doing is being a fool. You are looking at your current physical reality to measure your potential as a human being. Humans have six intellectual faculties: The imagination, reason, will, intuition, memory, and perception. Through the development of these mental faculties in accordance to establishing financial independence you will develop the desire to earn money and the belief in yourself that you can make the money. The period of time it takes to earn a certain quantity of money depends on too many variables to predict. As an example, emotions, time spent, and how deep your current subconscious programming is are three unpredictable variables.


I hope you seriously reconsider your self image, to seeing yourself as financially independent rather than as in debt. If you can develop a prosperity consciousness instead of a poverty consciousness I seriously believe you can earn as much money as you want. Its well knows that money will not solve all of your problems, nor will it make you happy. Money makes you comfortable and it provides you with additional options in life. The ideas may seem uneasy, and potentially scary, at first. However, I assure you through continuous study and application of applicable material you can get yourself out of this whole and on the road to financial abundance.

On May 10 2011 11:52 Impervious wrote:

I don't know what to say other than you're probably right. I am probably acting foolish. But, right now, I don't see another way of handling my situation. I need to do something drastic, since, on my personal balance sheet, I see:

Income < Expenses

And I have to fix that problem, since I no longer have any cash reserves to make up for this imbalance.

I have a goal. That goal is obstructed. I know what is obstructing it, and I am working on finding a way of fixing the problem. If there is a better way of handling my situation, I'd like to know.

On May 10 2011 12:30 ZeromuS wrote:
Hey man, I would say you should look at whether working part time and going to school full time will be more worth it. The price of full time tuition at our university is cheaper over 2 years than part time over 4 years.

If you can manage to get by with part time work you should really do so.

If you need a part time job PM me I can see if Best Buy needs anybody and I can try and get you an interview if thats the route you want to try and take.

On May 10 2011 12:42 tryummm wrote:


Well I think the fact that you are presently thinking is absolutely great. Its also important to address your problems, and deal with them in a mature manner. Presently your biggest problem that is keeping you from making a lot of money is your subconscious programming related to acquiring money. You are looking at your balance sheet and that is basing your self image. Therefore you see yourself as a person in debt, or in other words, your thinking about nothing but debt. You are not really thinking about making money, even though you might tell yourself you're thinking of making money. People think in pictures, so if you were thinking about making money you would see yourself making plenty of money to live the way you want to live.


If you want to overcome the obstacles to attaining your goal, here is my advice:
I would recommend writing out all of your options. You need to have at least 3 options to have a choice. You can have more than 3 options in this exercise. List the outcomes of each option and the probability of attaining that outcome. You can now work to eliminate some of your options. Just continue to think about and evaluate the options until you get down to one option. You can even merge components of multiple options while making your decision. This should be a fun, creative process. Now that you have made your decision you should write everything that is positive in regards to the results you will acquire from the option you selected. This can be in terms of finances, education, goals, etc...If you can't think of any positives, write out all the negatives on a separate sheet of paper. For every negative there has to be a positive. You cannot have a negative without a positive, just like you can't have an up direction without a down direction. Then keep the list of positives and literally burn the list of negatives (Burning them is more symbolic than necessary). Every day upon waking up and going to bed read through the positives. You will begin to automatically develop positive thoughts to attaining the money and education that you desire. These thoughts will determine your feelings, and your feelings determine your actions.

Make sure that on each day you work on attaining your outcomes. Don't focus on the little things, put your focus on the big picture. You should not feel stressed. Stress is an attitude (Attitude can be defined as the accumulation of your thoughts, feelings and actions). When you feel stressed its because you are seeing your desired outcomes as small steps. As an example, one who doesn't exercise would view exercising as many steps. This causes negative thoughts towards exercise, which in turn cause negative emotions and those emotions cause the body to not exercise. Whereas people who exercise do so based on habit. They don't think about it...its just programmed in the subconscious mind for them to go exercise. When you have to continuously do something you dislike (ex: exercise), I would recommend merely developing a habit of doing it. That way you don't think about it, you just do it. When you don't think about it you don't get the negative emotions and negative results. You can develop habits by doing something over and over again. Back on point, when you work each day on attaining your desired outcomes, you develop the habit on attaining those outcomes. You won't have to think about doing it anymore. By practicing the development of your income on a daily basis, you will soon receive exponentially large awards.

Note: Working is not the best way to make money. In fact, its a probably the worst way to make money. The only way to work and make a lot of money is by working so many hours that you don't have any free time. That means you are trading your life for money. Attaining money is not a worthy ideal to trade your life for. Its almost as stupid as robbing a bank and rotting in prison the rest of your life. If you read biographies and study some of the wealthiest people in the world it will quickly become clear they developed passive sources of income, or multiple sources of income that didn't require their physical presence. They may have required their physical presence in the short run (Or to start up a money making project), but after the basic startup is finished they could leave the business, investment, etc..alone and get recurring income from it.

On May 10 2011 12:42 tryummm wrote:


Well I think the fact that you are presently thinking is absolutely great. Its also important to address your problems, and deal with them in a mature manner. Presently your biggest problem that is keeping you from making a lot of money is your subconscious programming related to acquiring money. You are looking at your balance sheet and that is basing your self image. Therefore you see yourself as a person in debt, or in other words, your thinking about nothing but debt. You are not really thinking about making money, even though you might tell yourself you're thinking of making money. People think in pictures, so if you were thinking about making money you would see yourself making plenty of money to live the way you want to live.


If you want to overcome the obstacles to attaining your goal, here is my advice:
I would recommend writing out all of your options. You need to have at least 3 options to have a choice. You can have more than 3 options in this exercise. List the outcomes of each option and the probability of attaining that outcome. You can now work to eliminate some of your options. Just continue to think about and evaluate the options until you get down to one option. You can even merge components of multiple options while making your decision. This should be a fun, creative process. Now that you have made your decision you should write everything that is positive in regards to the results you will acquire from the option you selected. This can be in terms of finances, education, goals, etc...If you can't think of any positives, write out all the negatives on a separate sheet of paper. For every negative there has to be a positive. You cannot have a negative without a positive, just like you can't have an up direction without a down direction. Then keep the list of positives and literally burn the list of negatives (Burning them is more symbolic than necessary). Every day upon waking up and going to bed read through the positives. You will begin to automatically develop positive thoughts to attaining the money and education that you desire. These thoughts will determine your feelings, and your feelings determine your actions.

Make sure that on each day you work on attaining your outcomes. Don't focus on the little things, put your focus on the big picture. You should not feel stressed. Stress is an attitude (Attitude can be defined as the accumulation of your thoughts, feelings and actions). When you feel stressed its because you are seeing your desired outcomes as small steps. As an example, one who doesn't exercise would view exercising as many steps. This causes negative thoughts towards exercise, which in turn cause negative emotions and those emotions cause the body to not exercise. Whereas people who exercise do so based on habit. They don't think about it...its just programmed in the subconscious mind for them to go exercise. When you have to continuously do something you dislike (ex: exercise), I would recommend merely developing a habit of doing it. That way you don't think about it, you just do it. When you don't think about it you don't get the negative emotions and negative results. You can develop habits by doing something over and over again. Back on point, when you work each day on attaining your desired outcomes, you develop the habit on attaining those outcomes. You won't have to think about doing it anymore. By practicing the development of your income on a daily basis, you will soon receive exponentially large awards.

Note: Working is not the best way to make money. In fact, its a probably the worst way to make money. The only way to work and make a lot of money is by working so many hours that you don't have any free time. That means you are trading your life for money. Attaining money is not a worthy ideal to trade your life for. Its almost as stupid as robbing a bank and rotting in prison the rest of your life. If you read biographies and study some of the wealthiest people in the world it will quickly become clear they developed passive sources of income, or multiple sources of income that didn't require their physical presence. They may have required their physical presence in the short run (Or to start up a money making project), but after the basic startup is finished they could leave the business, investment, etc..alone and get recurring income from it.