The broke folk
- Thread starter Redlin5_v1legacy
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If i had a vehicle, i probably would Be 
Those things are fucking expensive to run. I'm happy with my feet and public transport thanks.
Those things are fucking expensive to run. I'm happy with my feet and public transport thanks.
Nice new inferno badge, redlin.
Can't really comment on your situation from a personal point, in the last few weeks I've spent about 13,000 AUD. =/ good to hear you got that job!
Can't really comment on your situation from a personal point, in the last few weeks I've spent about 13,000 AUD. =/ good to hear you got that job!
$5 in my wallet right now, haha. Granted I spend $10 a week on cigarettes and another $10 on the fucking bus. I recieved just enough grant money to pay for college this year and I donate plasma so I can pay for books, games, cigarettes, the movies and stuff.
Probably should spend some serious time looking for a job before finals. haha
And as an unrelated question is it a good idea to just hand out resumes everywhere? I usually just ask for an app and leave it at that, I've only had to give out a resume once or twice. Just wondering
Probably should spend some serious time looking for a job before finals. haha
And as an unrelated question is it a good idea to just hand out resumes everywhere? I usually just ask for an app and leave it at that, I've only had to give out a resume once or twice. Just wondering
I should but I don't.
I have enough for rent and food, and if I'm careful I can also buy nice things (cheapo DVDs, Mass Effect 3) on a fairly regular basis, usually a DVD a month and saved up for two months to get ME3.
However, I also have student loan to pay off. I'm not currently making enough to have to make automatic payments but the second I get even the slightest pay or hours rise I'm going to be on the worst end, just over 15,000. It would pretty much push me over the edge into trouble territory. I ended up making a deal with my dad about it, since we both work in the same city. If I do end up in this position, then I move into his apartment and take off the cost of rent from my outgoings, which also would leave me with a little extra to put into the student loan. Then I just that I get promoted again soon, because I don't have enough time for an extra job, I pretty much work a ten hour day, and all my extra cash comes from trying to secure as many gigs as I can.
Gigs have pretty much saved my life in the last six months. Getting paid £40 for doing two and a half hours sure beats getting paid £18 for the same amount of time. Minimum wage sucks but then gigs aren't consistent enough to live off. Weird.
I have enough for rent and food, and if I'm careful I can also buy nice things (cheapo DVDs, Mass Effect 3) on a fairly regular basis, usually a DVD a month and saved up for two months to get ME3.
However, I also have student loan to pay off. I'm not currently making enough to have to make automatic payments but the second I get even the slightest pay or hours rise I'm going to be on the worst end, just over 15,000. It would pretty much push me over the edge into trouble territory. I ended up making a deal with my dad about it, since we both work in the same city. If I do end up in this position, then I move into his apartment and take off the cost of rent from my outgoings, which also would leave me with a little extra to put into the student loan. Then I just that I get promoted again soon, because I don't have enough time for an extra job, I pretty much work a ten hour day, and all my extra cash comes from trying to secure as many gigs as I can.
Gigs have pretty much saved my life in the last six months. Getting paid £40 for doing two and a half hours sure beats getting paid £18 for the same amount of time. Minimum wage sucks but then gigs aren't consistent enough to live off. Weird.
I was broke for part of college, but as soon as I went to grad school the university started taking real good care of me. Ya'll should try it. Get an RA/TA position as a grad student, they'll pay for your tuition and give you some money to live off of. Plus you come out with a masters and get a decent job.
I went on to my PH.D, which gave me full time work just off of my coursework, no degree.
Seriously, if you can handle higher ed. give it a shot.
I went on to my PH.D, which gave me full time work just off of my coursework, no degree.
Seriously, if you can handle higher ed. give it a shot.
While I totally agree with the rest of your post, I feel like the "give up your car" suggestion is a common one when people are running out of money. Selling the car is not always an option -- where I used to live it literally was not possible to get to work without a car. Not a walkable/bikeable trip, no public transportation, and I couldn't rely on other people to give me a ride every day, especially with a retail schedule.HardkorSB said:
A friend of mine was in the same boat, and wound up living in his car rather than sell it off to pay rent for a couple more months, because it would mean working less, and therefore making less money. If you're in an area with public transit or can find a job so close to a place you can afford to live that walking or cycling is an option, then yeah, I can see how keeping a vehicle is easily your biggest unnecessary expense. But that's not always the case, and the OP didn't specify.
I was broke during college, but not now. I just never ate out then. I opted for free entertainment as much as I could. Luckily, there's something free-of-charge (or relatively so. Or free if you already have the equipment) to do just about every day and night here (live shows, movies in the park, tennis, co-ed softball, surfing, kayaking, fishing, whatever). So I wasn't bored much then. I'm more bored nowadays actually even though I have a lot more disposable income, since I have a knee injury and can't do a lot of the things I love.
I also cooked for myself back then. You can eat healthy food for cheap as long as you make it yourself. I never wanted to be a "3 packs of ramen a day" college student. Live like that...you'll pay for it sooner or later.
I also cooked for myself back then. You can eat healthy food for cheap as long as you make it yourself. I never wanted to be a "3 packs of ramen a day" college student. Live like that...you'll pay for it sooner or later.
I believe I have negative money in my account at the moment. What am I doing?: Updating my CV and applying for jobs [sub][sub]in theory[/sub][/sub].Redlin5 said:
I'm going into my last term at University and I'm broke. My parents have paid my rent for the last couple of months. Student loan comes in at the end of April, which will keep me going for a few months. I have a job ready for after Uni (start in mid July) but it's nowhere near my Uni or my parents house, so I'm going to be hit by all sorts of stuff - accommodation deposit, Council Tax, TV License etc, for which I'll need the parents help again. Once I've cleared all that, and my salary starts coming in, I should be ok and able to start paying the parents back. Hoping to have cleared my debt to them by next April, when I'll start having to pay back my student loan instead.
Assuming everything goes smoothly, I should be financially independent (i.e. will never need to ask my parents for money again) in 6 months, have paid off my debt to them in 12, and then start working on my bank overdraft and student loan.
Assuming everything goes smoothly, I should be financially independent (i.e. will never need to ask my parents for money again) in 6 months, have paid off my debt to them in 12, and then start working on my bank overdraft and student loan.
I am ridiculously broke, but it is sort of my choice.
Sort of.
I work a minimum wage job, and the hours are okay. But I save a ridiculous amount of each paycheck so I can try and tuck away some money for the future. It still isn't very much after rent and bills and such, but hey, every little bit helps.
My largest expense is books though, and I work in a bookstore, so the discount works.
Sort of.
I work a minimum wage job, and the hours are okay. But I save a ridiculous amount of each paycheck so I can try and tuck away some money for the future. It still isn't very much after rent and bills and such, but hey, every little bit helps.
My largest expense is books though, and I work in a bookstore, so the discount works.
Wow, so many people seem to be worse off than those in good financial standing. That kinda sucks to hear, honestly. I work full time at the moment and make enough money to have loads of disposable income. Though I am saving a bunch of it, and possibly tapping into my investment account if I need to, for university. But then again, I've lived a very fortunate life, so...
I divide my time between working at a hospital and working with people with mental problems and I'm still broke paying off student loans and what not. The way the Fed Dept of Education is run I'm probable going to be feeling like I'm broke for the rest of my life.
On the plus side I now have a 403k started and am building a nice savings account.
On the plus side I now have a 403k started and am building a nice savings account.
Am I broke? Yes sirree bob.
What am I doing to get out of it? Finishing my college degree (auto/diesel mechanic)
What am I doing to have fun? Well, I have a car set up for dirt track racing that I picked up 2 years ago for 200 bucks, and I think I'm gonna get it running and race it. It'll end up costing me just over 7 or 8 bucks each race night to run it, so... Dirty cheap fun time.
What am I doing to get out of it? Finishing my college degree (auto/diesel mechanic)
What am I doing to have fun? Well, I have a car set up for dirt track racing that I picked up 2 years ago for 200 bucks, and I think I'm gonna get it running and race it. It'll end up costing me just over 7 or 8 bucks each race night to run it, so... Dirty cheap fun time.
1.) Take pictures of the rooms and any damages already present.Phasmal said:
2.) Do not get a pet unless you are able and willing to cover any damages it might inflict.
3.) Always read any agreement you are signing your name to, word by word. Keep said lease in a safe place where you will remember it is (I always keep mine in a file folder up in the closet where it remains until I need it).
4.) Foster a good relationship with your landlord if you can. You never know when that relationship might save your ass.
5.) Split responsibilities with your boyfriend, and for the love of whatever you consider holy TALK. Little things are what kills relationships the fastest. You might be lalala for the first half a year but after awhile those dirty dishes he always leaves on the couch might get to you. . . (everyone has varying pet peeves. You will not solve all of them. Talk about the ones that most annoy you and him, and let go of the smallest ones).
6.) If a friend is in a bad spot and you agree to let them sleep on your couch, outline some responsibilities for them and what you expect BEFORE they start sleeping on your couch. It very well could save you a friendship.
OP - I was 'homeless' for a while, technically, but I had friends who let me sleep on their couch. I've since repaid that favor. As for being flat out broke, not really. Out of money until my next paycheck, sure, but that's my own damn fault and I deserve no sympathy or pity for it.
Ahh forgive the double post but I have to give you a little bit of advice -- wherever you settle make sure the techs are getting 40 hours a week worth of work (unless you'll be going hourly but I have never heard of a tech not on flat rate). Otherwise MOVE. My fiance has put thousands upon thousands of dollars into being an auto tech, but it's getting to the point where he only sees a couple hours of work every day. He hasn't seen a paycheck that'll make us have to decide between food or bills (thank God we don't have to pay for heating right now, though since our lease is almost up that's . . . up in the air) yet, but it's getting close.Malyc said:
So, make sure you have a job lined up either with the big rigs or in a fairly well to do area with looots of families with cars. Oh, and make sure that if you're in a dealership that it has a good enough reputation to support itself. Cheers.
Ive got disposable income to spare
speaking of which
https://www.ebgames.com.au/ps3-156507-Mass-Effect-3-Vault-PlayStation-3
all mine ,baby
though I know what is it to have no money and worry about how your going to afford your next game [small/]because thats the only thing you have right now [/small]
I am truly luckey....blessed even
speaking of which
https://www.ebgames.com.au/ps3-156507-Mass-Effect-3-Vault-PlayStation-3
all mine ,baby
though I know what is it to have no money and worry about how your going to afford your next game [small/]because thats the only thing you have right now [/small]
I am truly luckey....blessed even