Financing

Glitter Milk · Jan 24, 2015

I'm old as shit and can't save money at all.
It literally kills me. I work so hard for a paycheck I can't even enjoy because I'm too busy working?

Mortgage, insurance, phone bill, electric, water, groceries, CC's, emergencies, gas.
Spent $900 the last few months to fix my truck. then christmas hit, my birthday is on the 31st of this month and I have no idea what to do.
I really want to get an overnight job or something but eh idk. What do you guys do with your extra money after you pay off priorities?
Like I literally spent 400 on things to make costumes for a convention I didn't even end up going to. waste of fabric and supplies that I can't return -.-
I just want to make sure I'm not the only one who can't manage their money responsibly. As soon as I get paid it's all gone xD

Moon Knight · Jan 24, 2015

I have been there man and know how it feels.
Don't feel the need to save it ALL though. Just put a bit away each month.

Once I pay everything off, I split the money and put one half in savings. If I need any more, I dip into them, if I have money left over, then I chuck that into the savings pot too.

Please feel free to PM me any time if you want some tips.

California · Jan 24, 2015

Simple . Find a sugar daddy. @Philly is interested

Random · Jan 24, 2015

@california lol ok

@'glitter milk' buy and sell og's as extra money. that's what @rude does.

Shiver · Jan 24, 2015

California said:
Simple . Find a sugar daddy. @Philly is interested

she likes yung

aye hmu bb we can stop by the playground or something and drink a juicebox or two. lmk

Glitter Milk · Jan 24, 2015

Random said:
@california lol ok

@'glitter milk' buy and sell og's as extra money. that's what @rude does.

Meh That requires time, risk, and persuasion. I need to make sure theres definite income.
@California lol you dork
@"Moon knight" Thanks! I did have savings but shit happens had to fix up my house, like theres just never any money in my account long enough to accumulate. I think I'm going to try that whole "add a dollar a day to an account you can't access easily" or something. Not having another person to rely on is tough.

Random · Jan 24, 2015

Glitter Milk said:
Meh That requires time, risk, and persuasion. I need to make sure theres definite income.

@California lol you dork

@"Moon knight" Thanks! I did have savings but shit happens had to fix up my house, like theres just never any money in my account long enough to accumulate. I think I'm going to try that whole "add a dollar a day to an account you can't access easily" or something. Not having another person to rely on is tough.

That's kind of what I do haha, Every couple of days I just throw $10 or so in, just for emergencies or an occasion where I need some money.. It builds up pretty well if you can keep yourself from just spending it. (I'm an impulse buyer haha)

Glitter Milk · Jan 24, 2015

Random said:
That's kind of what I do haha, Every couple of days I just throw $10 or so in, just for emergencies or an occasion where I need some money.. It builds up pretty well if you can keep yourself from just spending it. (I'm an impulse buyer haha)

One day I will record and post my makeup / shoe collection. I have a serious problem.

Monster · Jan 24, 2015

Easy, when you have problems saving send 20$ to a family member you trust, let it add up and when you need it bam, that way it's not available to you so easily.

Or on an extreme case go an entire week without any money, maybe it'll make you value it, a tad more making you rethink your spending habits

Or find a boyfriend split costs then it's less of a hassle, if not boyfriend a roommate that can help.

Glitter Milk · Jan 24, 2015

Monster said:
Easy, when you have problems saving send 20$ to a family member you trust, let it add up and when you need it bam, that way it's not available to you so easily.

Or on an extreme case go an entire week without any money, maybe it'll make you value it, a tad more making you rethink your spending habits

Or find a boyfriend split costs then it's less of a hassle, if not boyfriend a roommate that can help.

I do like the family member idea. and I drive a truck that needs to be filled up every 3 days so doing the whole "money without a week thing" really isn't an option.
I do have a boyfriend as well, but it's not that serious yet so I can't just rely on him financially. I also would hate to break up and him having the upper hand by claiming my things because he helped paid for them. I try to think more long-term.

edit: I really do appreciate the suggestions

Monster · Jan 24, 2015

Glitter Milk said:
I do like the family member idea. and I drive a truck that needs to be filled up every 3 days so doing the whole "money without a week thing" really isn't an option.
I do have a boyfriend as well, but it's not that serious yet so I can't just rely on him financially. I also would hate to break up and him having the upper hand by claiming my things because he helped paid for them. I try to think more long-term.

edit: I really do appreciate the suggestions

Family idea is your best bet, that way you have that stored money in case, or maybe even a piggie bank at home for loose change.

Glitter Milk · Jan 24, 2015

Monster said:
Family idea is your best bet, that way you have that stored money in case, or maybe even a piggie bank at home for loose change.

Lol piggy banks are adorable. Thank you! What do you spend a majority of your money on?

Monster · Jan 24, 2015

Glitter Milk said:
Lol piggy banks are adorable. Thank you! What do you spend a majority of your money on?

Anything I want im similar to you, I have severely expensive tastes so it's hard to manage it but ive been getting a lot better, see I just got the 2014 Hyundai for 15k already going to drop 32k on a Hyundai Genesis and I've only had the car for about 4 months, So I really need to get myself under control which I have gotten a lot better at.

Pandas · Jan 24, 2015

If you talk horny to @Rude I think he'll give you a few bucks or somethin.

Glitter Milk · Jan 24, 2015

Monster said:
Anything I want im similar to you, I have severely expensive tastes so it's hard to manage it but ive been getting a lot better, see I just got the 2014 Hyundai for 15k already going to drop 32k on a Hyundai Genesis and I've only had the car for about 4 months, So I really need to get myself under control which I have gotten a lot better at.

What did you put down at signing? and how long are the lease terms for? But I feel ya. Maybe income tax check I'll put down on a new car but this month I'm just crammed with bills.

@Nokia hah.

@Shift I see you readinggggg hi I missed you

Shift · Jan 24, 2015

Glitter Milk said:
What did you put down at signing? and how long are the lease terms for? But I feel ya. Maybe income tax check I'll put down on a new car but this month I'm just crammed with bills.

@Nokia hah.

@Shift I see you readinggggg hi I missed you

It's been a while since we last talked : p

Absolute · Jan 24, 2015

save 10% of your paycheck every week and put it in a tax shelter annuity and by the time your like 70 you'll be a millionaire. Deadass, learned it in school like 3 days ago

Moon Knight · Jan 25, 2015

Glitter Milk said:
Meh That requires time, risk, and persuasion. I need to make sure theres definite income.
@California lol you dork
@"Moon knight" Thanks! I did have savings but shit happens had to fix up my house, like theres just never any money in my account long enough to accumulate. I think I'm going to try that whole "add a dollar a day to an account you can't access easily" or something. Not having another person to rely on is tough.

Always sucks when something comes along that requires a lot of money, but when you have been saving up for a while, you'll be able to dip into the savings for such things.
Try the dollar a day thing, or even start small and just do like $10 to $20 a month.
You will get there though.

NoTez · Jan 25, 2015

Moon Knight said:
I have been there man and know how it feels.
Don't feel the need to save it ALL though. Just put a bit away each month.

Once I pay everything off, I split the money and put one half in savings. If I need any more, I dip into them, if I have money left over, then I chuck that into the savings pot too.

Please feel free to PM me any time if you want some tips.

I would do this aswell. Some good advice even though it might be tempting just to 'grab' all of the savings and say 'next month i'll do savings' over and over again. Do this and be determined.

Moon Knight · Jan 25, 2015

Naughty said:
I would do this aswell. Some good advice even though it might be tempting just to 'grab' all of the savings and say 'next month i'll do savings' over and over again. Do this and be determined.

You do need determination and will to be able to do this. But the feeling is fantastic once you get going and you look at your account growing each time.
In a year you'll look at it (assuming that you do not need to dip into them too much) and feel so proud of yourself it's unreal.

I'm always a PM away if anyone needs any tips on what the best accounts are and what to invest your money in, etc.

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