Author Topic: Yikes. I'm poor.
DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
Was just on the ol' online banking.

Running total for the year (since Jan 01) on the VISA = $8,900ish

Then there's the mortgage, car payment, bills, food, gas...



No wonder I have no money.

plain




And I can't even blame Obama... sad

 

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Dwaveran 
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Subject: Yikes. I'm poor.
I am in the same boat, today is the first and my paycheck is almost gone already.

My bank account is like a bus station, money just stops there for a few minutes.

 

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ikkoikki 
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Subject: Yikes. I'm poor.
The key to being happy is having zero responsibilities.

 

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Hawkson 
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Subject: Yikes. I'm poor.
Blame Canada?

 

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Reapist 
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Subject: Yikes. I'm poor.
Can we sponsor you and have you wear shorts with our logo to work?

 

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FineYoungCannibals 
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Subject: Yikes. I'm poor.
no one with an ass like yours should ever be broke

 

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mischief FYC mischief
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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
Reapist posted:
Can we sponsor you and have you wear shorts with our logo to work?


I accept.

 

-----signature-----
There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
FineYoungCannibals posted:
no one with an ass like yours should ever be broke


batting

 

-----signature-----
There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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aon_mixed 
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Subject: Yikes. I'm poor.
FineYoungCannibals posted:
no one with an ass like yours should ever be brokeback, like me

signed,

fatnerd

 

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Fozzie_Bear 
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Subject: Yikes. I'm poor.
tell Mithan to give you a raise

 

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Then after an Oatmeal Cranberry and Double Chocolate,
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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
Fozzie_Bear posted:
tell Mithan to give you a raise


I've tried before. he thinks I'm already overpaid.

 

-----signature-----
There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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Fozzie_Bear 
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Subject: Yikes. I'm poor.
the fact that you're Canadian is probably the only reason you are still alive if you asked for a raise laugh

 

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The Oatmeal Butterscotch paired with a Snickerdoodle
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Then after an Oatmeal Cranberry and Double Chocolate,
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pkhere 
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Subject: Yikes. I'm poor.
jeebus...get rid of the credit card!

 

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Gaevren 
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Subject: Yikes. I'm poor.
DunesVladHarkonnen posted:
Fozzie_Bear posted:
tell Mithan to give you a raise


I've tried before. he thinks I'm already overpaid.


Funny. He told me he was tripling your salary. YOU SHOULD BE GRATEFUL.

 

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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
pkhere posted:
jeebus...get rid of the credit card!


I have a problem pk...

I love to travel.



A few more trips to the States slated for this year(Vegas, and Montana-golf trip), maybe Australia/New Zealand next year early Jan...or South America: Argentina and Brazil...we'll see.

Family wants to do a trip too. We were thinking Portugal, but maybe we'll just do Hawaii instead.

My friends are still trying to convince me to come to Italy with them for a few weeks in June. Pretty sure with the finances as they are...not going to happen.

 

-----signature-----
There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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Tipztoe 
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Subject: Yikes. I'm poor.
ninja ban some outposters. That will make you feel better.

 

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BritonGuy 
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Subject: Yikes. I'm poor.
DunesVladHarkonnen posted:
Was just on the ol' online banking.

Running total for the year (since Jan 01) on the VISA = $8,900ish

Then there's the mortgage, car payment, bills, food, gas...



No wonder I have no money.

plain




And I can't even blame Obama... sad



Time to buckle up and dedicate 100% of your life towards paying down debt, mortgage included. Make sacrifices and claim that financial freedom.

 

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BritonGuy 
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Subject: Yikes. I'm poor.
DunesVladHarkonnen posted:
pkhere posted:
jeebus...get rid of the credit card!


I have a problem pk...

I love to travel.



A few more trips to the States slated for this year(Vegas, and Montana-golf trip), maybe Australia/New Zealand next year early Jan...or South America: Argentina and Brazil...we'll see.

Family wants to do a trip too. We were thinking Portugal, but maybe we'll just do Hawaii instead.

My friends are still trying to convince me to come to Italy with them for a few weeks in June. Pretty sure with the finances as they are...not going to happen.



Cancel all the trips. Entice friends to come to you if they're in a position to. You won't see it now, but you're really just prolonging your financial hardships.

You'll love to travel more when you've gone through the disciplined practice of paying that debt off and staying out of debt. It will feel even better than a few vacations.

 

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Briton Guy...persnickety...NEVER! tongue -Murron (truly)
Hawkson is the greatest. -Hawkson
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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
Selling my house...done quite well on the interest rate: variable prime minus 0.5% so I've managed to pay off quite a bit.


So hopefully I'll net a pocket full of cash on that. The problem is I have to live somewhere, so I'll probably dump a ton of it back into another mortgage+house. The rental rates around here...are insane. Cheaper to buy a place and pay a mortgage than to pay rent on a similar home.



I wish I was debt free...I really do. Just not sure how people do it. My mortgage hangs over my head like a guillotine.

 

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There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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the_great_ontex 
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Subject: Yikes. I'm poor.
Holy crap, I'm rich biaattcchhh

 

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-Kiande- 
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Subject: Yikes. I'm poor.
DunesVladHarkonnen posted:
Selling my house...done quite well on the interest rate: variable prime minus 0.5% so I've managed to pay off quite a bit.


So hopefully I'll net a pocket full of cash on that. The problem is I have to live somewhere, so I'll probably dump a ton of it back into another mortgage+house. The rental rates around here...are insane. Cheaper to buy a place and pay a mortgage than to pay rent on a similar home.



I wish I was debt free...I really do. Just not sure how people do it. My mortgage hangs over my head like a guillotine.


Hehe, they don't buy houses that make things so terrible on them. tongue

 

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BritonGuy 
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Subject: Yikes. I'm poor.
DunesVladHarkonnen posted:
Selling my house...done quite well on the interest rate: variable prime minus 0.5% so I've managed to pay off quite a bit.


So hopefully I'll net a pocket full of cash on that. The problem is I have to live somewhere, so I'll probably dump a ton of it back into another mortgage+house. The rental rates around here...are insane. Cheaper to buy a place and pay a mortgage than to pay rent on a similar home.

I wish I was debt free...I really do. Just not sure how people do it. My mortgage hangs over my head like a guillotine.


That pocket of cash needs to go into your goal to be debt free. As does basically everything else. By stopping trips, restaurant eating, most shopping, and any services you don't need, you can shorten your time in debt by years.

First thing's first though, you need to pay off that credit card. If financial freedom is really what you want, you should buckle down and sacrifice whatever lifestyle you're used to. Get that paid off quickly. There's basically no excuse for leisure spending until you have that under control.

Are you married? Your partner will need to be on board.

 

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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
Oh my CC is paid off every month. That's just a running total of how much money I'm pissing out the window.


Cancelling my cable this weekend. Since my brother is moved out, no point, I barely use it.

And I gotta get back to not eating out, bringing my lunch to work and cooking more meals myself.



I just don't see how I can put the equity of my house against my truck and afford the downpayment for a new place. And I have to live somewhere...


(and no I'm not married happy )

 

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There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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BritonGuy 
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Subject: Yikes. I'm poor.
Sounds like the truck payment is next then.

Any reputable non-profits in your area you can sit down with to crunch the numbers and get some advice? It all comes down to cutting back everything and directing that money in the best way to get debt free, and not making any poor financial decisions in the meantime. There are people in much worse positions than you who have done it, so you definitely can. Your success will be determined by your willpower.

Example: you have a really hot date, she wants you to take her out for fancy dining and wants you to pay. She'll probably put out. What do you do?

Offer her mac and cheese at your place, that's what you do. Because that's how you get debt free.

 

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Briton Guy...persnickety...NEVER! tongue -Murron (truly)
Hawkson is the greatest. -Hawkson
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Do you expect me to remember what I put in my mouth? -NSMachi
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-Foxy- 
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Subject: Yikes. I'm poor.
sell the house and move in to mithans basement grin

harass the landlord!!

 

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Fozzie_Bear 
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Subject: Yikes. I'm poor.
DUNES AND MITHAN AS ROOMMATES!

 

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The Oatmeal Butterscotch paired with a Snickerdoodle
turned my cynical penis into a happy vagina
Then after an Oatmeal Cranberry and Double Chocolate,
it made my new vagina spontaneously sing the Trolololo Song in an elevator.
---AkagiyamaMissile
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.Sylva. 
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Subject: Yikes. I'm poor.
DunesVladHarkonnen posted:
pkhere posted:
jeebus...get rid of the credit card!


I have a problem pk...

I love to travel.



A few more trips to the States slated for this year(Vegas, and Montana-golf trip)
Margaritas in East Glacier!!

 

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Anebriated 
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Subject: Yikes. I'm poor.
im working three days a week for free. my poorness is obviously going to win happy

 

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DunesVladHarkonnen 
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Subject: Yikes. I'm poor.
Fozzie_Bear posted:
DUNES AND MITHAN AS ROOMMATES!




YES!

 

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There's some delight in ale and wine,
And some in girls with ankles fine,
But my delight, yes, always mine,
Is to dance with Jak o' the Shadows.
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-Ducky- 
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Subject: Yikes. I'm poor.
Reapist posted:
Can we sponsor you and have you wear shorts with our logo to work?


laugh

 

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Jezza_Belle 
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Subject: Yikes. I'm poor.
I've long considered setting up a new car purchase by sponsorship, like racecars do.

 

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-Darkfire- 
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Subject: Yikes. I'm poor.
you're not how much money you have in the bank

you're not the car you drive

you're not the contents of your wallet

you're not your khakis

 

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-Prismatic- 
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Subject: Yikes. I'm poor.
Don't feel bad, I have $8.43 in the bank!

 

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