The credit card debt is most troublesome, how much is it? can you pay it off asap with savings? Do you have savings?
Financially Pathetic. - Page 6
Blogs > Eiserne |
stork4ever
United States1036 Posts
The credit card debt is most troublesome, how much is it? can you pay it off asap with savings? Do you have savings? | ||
moon`
United States372 Posts
On June 26 2010 16:29 BroOd wrote: One possible solution, if you don't feel like making tons of money with my previous plan, is to buy an iPad to manage your time and iPhone bills. The iPad has a ton of great apps you can purchase to get a handle on your monthly spending, as well as programs you can buy to manage your sheet music. I think with this increase in productivity, your ROI would skyrocket. It almost doesn't make sense not to buy an iPad. Brb, grabbing life savings for this epicness | ||
EmeraldSparks
United States1451 Posts
On June 26 2010 17:07 heyoka wrote: I am very, very confused. You seem really angry already, and incredibly set on buying one of these phones. So why did you make a thread? This is like kanye making a post "yo honkeys should i keep making albums?????" I have no idea why you even went here if you have no interest in listening to opinions aside from "YA DAWG GO DO IT". Why should you remain unbanned? Here is your new issue. He made a thread about advice on reducing his impulse buys. He got a shit ton of advice about dropping his iPhone plan. If you'll notice, he responded constructively to the advice that he was seekign. | ||
besiger
Croatia2452 Posts
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Jusciax
Lithuania588 Posts
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DwmC_Foefen
Belgium2186 Posts
And then after you graduated, then go follow music major | ||
TheAntZ
Israel6248 Posts
On June 26 2010 18:59 Jusciax wrote: After these types of blogs, I'm always left amazed at Apples brainwashing capabilities, that force some poor ass dude starve instead of giving up their product. It's fucking magical. Its not just that apples really good at brainwashing, its also that this dudes carrying a potent load of dumbass | ||
FortuneSyn
1825 Posts
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Biscuittt
United States40 Posts
The best thing to do is to let someone know that you really care about, perhaps your mom or other family member, and inform that person every time you do something you identify as wrong. The more this person grates your nerves whenever they are disappointed in you the better. You will quickly dread having to make that phone call and think twice about doing stupid shit that causes you to do so. | ||
sc4k
United Kingdom5454 Posts
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Plexa
Aotearoa39261 Posts
On June 26 2010 16:16 Beyonder wrote: I think about everything a couple of days before I buy it: do I really need it? Unless of course a girl is involved. Money spender then! This is the best post in the entire thread. | ||
Caller
Poland8075 Posts
On June 26 2010 21:43 sc4k wrote: hey buddy you definitely have enough time to teach music. Going rate here is £20-28 an hour. That should sort out some of your problems. Ask your teachers about getting students. this. teaching music always improves your own skill as well because it forces you to do the fundamentals again. Plus you seem to be good at it (seeing as how you go giging). Just charge 25 or so an hour, work maybe 1-2 hours a day or so and voila thats an additional 500 or so in income a month. and drop the fucking iphone. I'm in a far better financial situation than you are and I have an 8 year old phone with the cheapest plan possible. There's a reason the former is the case. | ||
Xeris
Iran17695 Posts
Your mistake is that you've let yourself believe you need to waste an inordinate amount of money on something retarded. | ||
azndsh
United States4447 Posts
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Stratos_speAr
United States6959 Posts
On June 26 2010 15:28 Eiserne wrote: 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. | ||
zenMaster
Canada761 Posts
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Pokebunny
United States10654 Posts
On June 26 2010 23:17 Stratos_speAr wrote: 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, 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. | ||
TunaFishyMe
Canada150 Posts
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hellobye
Canada82 Posts
why don't you organize your days with outlook, google calendar, rainlendar, lotus notes or some other program that all do the same thing. it won't get lost like paper and pencil unless your computer magically blows up but i seriously doubt it will have a shorter life than your previous iphone | ||
Rayzorblade
United States1172 Posts
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