Topic: I just mathed all my debt
chill dog !!81dzJNNYL started this discussion 6 years ago #87,267
$13'540.71
Job pays $14/hr, alternately 4 or 5 shifts/week, although hours/shift vary depending on what part of the place im in and how busy it was the night before. Could get a second part time job but idk if itd get weird bc im dating the owner's dealer so i haveny followed up on that
Rent $455, meds $81, phone $47, hydro unknown, metro pass $51, cat food/litter, occasionally dog food, human food and other necessities
Ughhhhh this is gonna suck
Job pays $14/hr, alternately 4 or 5 shifts/week, although hours/shift vary depending on what part of the place im in and how busy it was the night before. Could get a second part time job but idk if itd get weird bc im dating the owner's dealer so i haveny followed up on that
Rent $455, meds $81, phone $47, hydro unknown, metro pass $51, cat food/litter, occasionally dog food, human food and other necessities
Ughhhhh this is gonna suck
(Edited 25 seconds later.)
Anonymous B joined in and replied with this 6 years ago, 7 minutes later[^] [v] #998,984
The deal is: With your education, you end up getting a career that has a salary and benefits. Your overall debt will be chump change along the way.
Debt is just like a pothole on the road of life. It's there and then gets filled in and is no longer bumpy.
Debt is just like a pothole on the road of life. It's there and then gets filled in and is no longer bumpy.
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 9 minutes later, 16 minutes after the original post[^] [v] #998,985
@previous (B)
That's the goal. I'll probably apply for a master's maybe next year but need some time out of academia, fucking burnt out. And I'd like to have...at least half my student debt paid off before going back. I saved up a few months rent, i don't eat all that much, pretty much quit doing drugs, and am spending a lot less money on smokes/beer/food/fun stuff due to aforementioned dealer so i can go hard on that
That's the goal. I'll probably apply for a master's maybe next year but need some time out of academia, fucking burnt out. And I'd like to have...at least half my student debt paid off before going back. I saved up a few months rent, i don't eat all that much, pretty much quit doing drugs, and am spending a lot less money on smokes/beer/food/fun stuff due to aforementioned dealer so i can go hard on that
chill dog !!81dzJNNYL (OP) double-posted this 6 years ago, 2 minutes later, 19 minutes after the original post[^] [v] #998,986
Just jesus that's more money than I've made in my life
Anonymous C joined in and replied with this 6 years ago, 1 minute later, 21 minutes after the original post[^] [v] #998,987
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 9 minutes later, 30 minutes after the original post[^] [v] #998,989
@previous (C)
on and off since....may 2015?
mostly stayed employed i think except for this past year during school bc it was a total shitshow
on and off since....may 2015?
mostly stayed employed i think except for this past year during school bc it was a total shitshow
Anonymous C replied with this 6 years ago, 2 minutes later, 33 minutes after the original post[^] [v] #998,990
@previous (chill dog !!81dzJNNYL)
I find it hard to believe you've made less than 14,000 dollars in that time.
I find it hard to believe you've made less than 14,000 dollars in that time.
Anonymous D joined in and replied with this 6 years ago, 1 minute later, 34 minutes after the original post[^] [v] #998,991
@998,989 (chill dog !!81dzJNNYL)
> mostly stayed employed
Wait until bert reads this. That sloppy 2nds waste of human flesh...
> mostly stayed employed
Wait until bert reads this. That sloppy 2nds waste of human flesh...
Anonymous B replied with this 6 years ago, 38 seconds later, 35 minutes after the original post[^] [v] #998,992
Fake anon !ZkUt8arUCU joined in and replied with this 6 years ago, 1 minute later, 36 minutes after the original post[^] [v] #998,993
You're not going to work this job forever! The first full time real job that hires you b/c of your degree will likely start at $20/hr at the very least. At $40k/year before taxes you can probably pay that off in 3-5 years (less if you earn more obvs).
Anonymous C replied with this 6 years ago, 12 seconds later, 36 minutes after the original post[^] [v] #998,994
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 4 minutes later, 41 minutes after the original post[^] [v] #998,995
@998,990 (C)
Part time because school! Oh fuck, yeah i wasnt working for half of last summer and most of the summer before because i was doing field schools, most of which required residing elsewhere. Forgot about that. K nvm not as consistently employed as i thought, but every job i didn't hate happily hired me back after absences. Current boss spent the past month making scheduling exceptions for me which sometimes required him to help me out to get shit done on time (which is usually an exceptional occurrence)
Part time because school! Oh fuck, yeah i wasnt working for half of last summer and most of the summer before because i was doing field schools, most of which required residing elsewhere. Forgot about that. K nvm not as consistently employed as i thought, but every job i didn't hate happily hired me back after absences. Current boss spent the past month making scheduling exceptions for me which sometimes required him to help me out to get shit done on time (which is usually an exceptional occurrence)
Anonymous F joined in and replied with this 6 years ago, 3 minutes later, 44 minutes after the original post[^] [v] #998,996
Math you your debt... and then square it. That is what you will truly be paying.
Svet !jzYkdX7lIw joined in and replied with this 6 years ago, 37 minutes later, 1 hour after the original post[^] [v] #999,010
I assume this is college fees?
When I hear about people's college debts I feel so glad I dropped out to play computer games.
I'll always have those memories of riding across Tatooine on my speeder and later becoming a Jedi, levelling up across azeroth, forming a guild and defeating the Litch king and all without accumulating debt.
When I hear about people's college debts I feel so glad I dropped out to play computer games.
I'll always have those memories of riding across Tatooine on my speeder and later becoming a Jedi, levelling up across azeroth, forming a guild and defeating the Litch king and all without accumulating debt.
Anonymous F replied with this 6 years ago, 29 minutes later, 1 hour after the original post[^] [v] #999,019
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 3 minutes later, 1 hour after the original post[^] [v] #999,020
@999,010 (Svet !jzYkdX7lIw)
Most of it is school fees, plus a surprise $600 hydro bill (100 is covered by past roommates, another 100 is supposed to be but we'll see, another 250 i have to just eat because deadbeats but if my bud ends up back in jail he'll punch out one of those deadbeats for me) and $1500 credit card because i suck at money
Paid june rent just now, have july and august and half of september stashed, once i have September in full I'll start hardcore paying this shit down
...i hope
Turns out keeping labeled envelopes of money stashed is actually a good way of managing it, makes it way easier to compartmentalize and not touch the stashes
Most of it is school fees, plus a surprise $600 hydro bill (100 is covered by past roommates, another 100 is supposed to be but we'll see, another 250 i have to just eat because deadbeats but if my bud ends up back in jail he'll punch out one of those deadbeats for me) and $1500 credit card because i suck at money
Paid june rent just now, have july and august and half of september stashed, once i have September in full I'll start hardcore paying this shit down
...i hope
Turns out keeping labeled envelopes of money stashed is actually a good way of managing it, makes it way easier to compartmentalize and not touch the stashes
Svet !jzYkdX7lIw replied with this 6 years ago, 18 minutes later, 2 hours after the original post[^] [v] #999,026
@previous (chill dog !!81dzJNNYL)
I also have trouble reducing my credit card. I keep mine at around 2k. Trouble is it seems like a harmless debt, everytime I reduce it I put it back on.
I also have trouble reducing my credit card. I keep mine at around 2k. Trouble is it seems like a harmless debt, everytime I reduce it I put it back on.
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 31 minutes later, 2 hours after the original post[^] [v] #999,032
@previous (Svet !jzYkdX7lIw)
Yeah i have that same problem
Im trying to keep all my transactions besides a few recurring bills (phone/cat insurance on credit card, hydro on debit) in cash, hoping the tangibility will help. Well, tangibility and just not being able to access whatever dollars i leave at home, i am pretty bad for getting drunk and waking up with an empty wallet.
Yeah i have that same problem
Im trying to keep all my transactions besides a few recurring bills (phone/cat insurance on credit card, hydro on debit) in cash, hoping the tangibility will help. Well, tangibility and just not being able to access whatever dollars i leave at home, i am pretty bad for getting drunk and waking up with an empty wallet.
A Fellow Creative joined in and replied with this 6 years ago, 1 minute later, 2 hours after the original post[^] [v] #999,034
That’s really cheap rent. Are you living inside a broom closet?
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 5 minutes later, 2 hours after the original post[^] [v] #999,038
@previous (A Fellow Creative)
Big three bedroom (split two ways, one bedroom is a jam space). each room individually (including bathroom, kitchen, living room, and patio) is super spacious. Fifteen minute walk from the metro. I know a bunch of people who live in the building or in the neighboring blocks.
I love this place
Edit thats not super unusual rent for this city tho. It's getting rarer with gentrification but still very much a thing
Big three bedroom (split two ways, one bedroom is a jam space). each room individually (including bathroom, kitchen, living room, and patio) is super spacious. Fifteen minute walk from the metro. I know a bunch of people who live in the building or in the neighboring blocks.
I love this place
Edit thats not super unusual rent for this city tho. It's getting rarer with gentrification but still very much a thing
(Edited 49 seconds later.)
A Fellow Creative replied with this 6 years ago, 1 minute later, 2 hours after the original post[^] [v] #999,039
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 3 minutes later, 2 hours after the original post[^] [v] #999,042
@previous (A Fellow Creative)
oh yeah
Last bachelor i rented tho was $650 in a neighborhood next to downtown (fifteen minute walk to my downtown University) but with all the parks a block away from the food/clubs/bars/shopping, cat-friendly, appliances included, pretty spacious
oh yeah
Last bachelor i rented tho was $650 in a neighborhood next to downtown (fifteen minute walk to my downtown University) but with all the parks a block away from the food/clubs/bars/shopping, cat-friendly, appliances included, pretty spacious
Anonymous I joined in and replied with this 6 years ago, 1 hour later, 4 hours after the original post[^] [v] #999,055
Shitshow!
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 1 day later, 1 day after the original post[^] [v] #999,459
Update i sold this phone i found at work for $350 and a vial of k so now i have three months rent stashed and everything i make is ideally gonna go 1/3 debts 1/3 savings (lmao) 1/3 expenses and try to keep expenses minimised with anything excess at the end of the month going 50/50 to debts/savings
I have $175 cash which should keep me good for a while and the paycheck i get monday is $500.50, gonna try to ignore my bank account balance so its there as backup
I have $175 cash which should keep me good for a while and the paycheck i get monday is $500.50, gonna try to ignore my bank account balance so its there as backup
Anonymous J joined in and replied with this 6 years ago, 36 minutes later, 1 day after the original post[^] [v] #999,473
Anonymous K joined in and replied with this 6 years ago, 2 minutes later, 1 day after the original post[^] [v] #999,474
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 17 minutes later, 1 day after the original post[^] [v] #999,484
@previous (K)
@999,473 (J)
nah my boss found it and gave it to me
Ive seen the lost and found box of phones there, its fucking full, nobody ever goes back to get them anyway
@999,473 (J)
nah my boss found it and gave it to me
Ive seen the lost and found box of phones there, its fucking full, nobody ever goes back to get them anyway
Anonymous G replied with this 6 years ago, 1 minute later, 1 day after the original post[^] [v] #999,487
Anonymous L joined in and replied with this 6 years ago, 11 minutes later, 1 day after the original post[^] [v] #999,492
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 4 minutes later, 1 day after the original post[^] [v] #999,494
Anonymous M joined in and replied with this 6 years ago, 8 minutes later, 1 day after the original post[^] [v] #999,497
@999,484 (chill dog !!81dzJNNYL)Bullshit!
And I'm not trolling with this. Your actions paint you as a thief.
Sad.
chill dog !!81dzJNNYL (OP) replied with this 6 years ago, 32 minutes later, 1 day after the original post[^] [v] #999,519
@previous (M)
Nah id have much more discomfort and...well moral dilemma if it was me that found it, not my boss who found it up where im too short to see and gave it to me, saying "fuck them"
Nah id have much more discomfort and...well moral dilemma if it was me that found it, not my boss who found it up where im too short to see and gave it to me, saying "fuck them"