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How are you with your money?
I suck big hairy pre-pubescent ape balls at handling my money.
I have no fucking idea where the shit goes. And I don't even buy things. That's the fucked up part about it. I don't go shopping. I don't go out to the bars that often. I eat out a lot, and I'm sure that's the problem. But it's like fuck.
Money fucking sucks. It takes forever to get, and about 1 second to lose.
I always use my debit card, which is another reason I think I suck because I don't really see how much I'm actually spending. I just swipe and go. But damn. This is ridiculous. I suck dick @ managing my money.
I needz teh helpz. :hosea2:
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Re: How are you with your money?
you need a budget man...
a budget is the corner stone of your life..
get on it
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Re: How are you with your money?
Tbh. I'd say quit with ur swipin' man. That's why I don't trust myself with a bank account (besides the fact my pops over drew my shit and gave me bad credit before he died)
Other fact is. I don't trust banks. Even tho my income is covered by their insurance because it's not much (I'm pretty sure). I just think if u set ur self up to be in debt (without knowin' and overspedin' what you have) it'll happen. I've did it with cash before lol. Nevermind a card.
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Re: How are you with your money?
I know right? I figured it out once, and my income is $300 less than my bills alone. Luckily, I live with my brother and so he lowered my rent until I can get a job that will actually give me full time hours.
But shit son. Tis ridiculous.
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Re: How are you with your money?
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Originally Posted by
Mihim
you need a budget man...
a budget is the corner stone of your life..
get on it
I'm with that. But a budget is still hard when you know you can be over charged and just go negative. That "option" to be able to do it is a muh fucka.
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Re: How are you with your money?
And stop using your debit card so much if you can't get a handle on how much you are spending. Use cash - and keep it at a limit. When I used to have no $$ I had an allowance. I limited myself to how much I spent by taking out cash when I deposited my paycheck. That was my allowance until the next check came. It was rough times. lol.
Once I started making good money I had to get a system down. All my bills are paid automatically, a good chunk is transferred automatically to savings and I hardly ever look at whats in there so I won't touch it. Because I don't spend all that much money, the checking acct will build up pretty quickly as well. I need to get in the habit of transferring leftover money to savings - I'm still bad at making big purchases like trips and electronics without really thinking once in a while. Other than that... I still save like I'm broke so it all works out in the end. lol.
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Re: How are you with your money?
Yea, as mentioned the debit card is terrible. A very terrible way to use your money in my opinion. You'll learn quick when you start to overdraft and shit when swiping your card as credit takes the 7 days for your money to process. By that time you already thought you had enough but didnt realize it because the statement didnt reflect this. I never swipe a card anymore.
The best way to manage money to me is to do it with cash. Using cards as I just said fucks a lot of things up. Different methods take different amounts of time. A debit could be immediate but a credit can take days. If you use your card in a different state it could take longer. Certain stores could take longer. Its too unpredictable to use and anyone with a real concern about budgeting would tell you this. Stupid little transactions of 2 dollars here, 5 there will fuck you. Eating out all the time? Money will be toast. Especially if you dont make shit.
Sit down and figure it out on a weekly, monthly, whatever basis. Decide how much you will need and set that money aside. After you did all of this you can use the remainder to save or spend at will. But forcing yourself to do this will mandate a certain amount that you can spend without repercussions.
I had to figure all of that out the hardway however. I used to just not give a fuck because I knew that next week Id have another check coming in. But when you go back for the year and figure your taxes out or something it really hits home when you realize all the money you could have had. Learn what your real needs are and live by them strictly. Thats the problem with society today. Everyone (well a good portion) lives above their means and spends money they dont have. Then they whine and complain about not knowing where their money went.
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Re: How are you with your money?
Quote:
Originally Posted by
Possible
Thats the problem with society today. Everyone (well a good portion) lives above their means and spends money they dont have. Then they whine and complain about not knowing where their money went.
:hosea2:
Be nice, dammit!
And yeah, I think I'm going to do what you and Abi said, just pull out cash, and give myself a weekly allowance and not use my debit card.
I never overdraft, but I get what you're saying. When I was in Cali I overdrafted like 3 times in 3 weeks. Fucking gas stations were taking out like 3 times as much, and then putting the extra back in once they got their money. I was like what the fuck is this shit?
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Re: How are you with your money?
lol yea don't use your card if ur like that. i like to use cash anyway
instead of eating out so much go a costco or some wholesale grocery store and stock up. u can make ur own meals and load up on snacks and in the end it's a lot cheaper then going out all the time. and if u party a lot try to freeload instead of being the one paying for shit (which is hard if ur one of the 3 homies with a job and everyone else is a bum)
the typical american lives above their means though. drives a nice car that they're not sure they'll be able to make payments on, partying, going out a lot, etc. i dont know how much u make but obviously the more u make the easier it will be to cut back.
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Re: How are you with your money?
i have my shit locked down, i make 1800 a month, from that i pay 700 rent, set aside 100 a week for food (i live with my gf and have a rottweiler that eats alot so 100 is realistic lol), my internet/phoneline bill 40, and my car incurance 160, set around 200 for shit like ciggarettes and beer, and money to go out with, and save around 300 every month into a savings account
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Re: How are you with your money?
eating out will hit your pocket the most, if its an everyday habit. That 5 dollar plus meal doesnt seem like much but factored in over the whole week and month its a couple hundred dollars, especially if you eat out for multiple meals in a day. If you smoke, stop. thats the easiest way to save money in the short term and long term. same with drinking, all vices do is piss away your money on a temporary feeling. at least be a shopaholic and have something to show for your brokeness
Dont just withdraw your money unless you do it only at atms in your network or you'll be paying to get your own cash. amazingly having a pile of cash in front of you makes it less likely to be spent then just seeing that same number in your account, at least for me it is. If you use debit you could always track your expenses in your checkbook and know exactly how much you have without relying on statements or worrying about charges that havent posted.
Learn to live on 50% of what you actually make, 60-70% if you have more bills and automatically put that extra money aside. it takes discipline to save and sacrifice luxuries but you'll be much better off if you can learn how to do it.
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Re: How are you with your money?
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Re: How are you with your money?
fuck it G, you could be swept away in a tsunami at any moment.
hit the strip club and make it rain on them hoes every payday
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Re: How are you with your money?
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Originally Posted by
HawtChawk
Spenddd Wisely!!!!!!!!!!
^thanks for summarizing the thread
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Re: How are you with your money?
I budget.
However, my wife and I's money is in a flux right now so I'm trying to save a little more. However, I just had tons of bills from hospital trips and shit... So I just put out over $700 in bills... an entire months rent.
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Re: How are you with your money?
Dont get a credit card or overdraft...works for me.
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Re: How are you with your money?
I have some major credit card because I didn't want to take out a loan for a $7500 bill.
So I owe around $5,000 because I the interest rate was WAY less on my credit card.
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How are you with your money?
Come on, what type of question is that to a #BaseBoy?
I always have a pocket full of cash. A wallet full of cards. An iPhone full of bitches numbers. A checkbook with my business stamp at home just in case.
#Swagtothemax
Sent from my iPhone using Tapatalk
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Re: How are you with your money?
I have the same exact problem. It was debit cards so i started the taking out money thing but it was spent just as quickly as the card and i found myself kicking out more money going to the atm 7,8 times a week. For me, i have to make my money truly unavailable (what i dont want spent) by either giving it to someone more disciplined and trustworthy, maybe ya girl or a parent or a vacation account is cool too..you can set any account to be closed to you without going thru a bunch of shit, to be opened at a said date. You cud freeze one account and just force yaself to put money in when u first get it and have ya checkings/savings also. A big part of budgeting is saving and not looking at ya money..all that matters is what u can spend the rest is off limits anyway. YOU GOTTA FORM BETTER HABITS basically...do ya budgeting as soon as you get your money, if you go through the whole week "budgeting", you'll end up broke on the back end as usual.
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Re: How are you with your money?
Word. I need to just lock up a savings and pay bills every pay check, buy food, and then put whatever little bit is left in there.
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Re: How are you with your money?
Lol I just dropped $1,000 at Disneyland in 1 day.
Quit your bitching..
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How are you with your money?
^^ you're on that swag my nigga
#BMF nigga..
Blowing money fast
This was what I spent last night in one club. About 1.5 hours in there
http://i9.photobucket.com/albums/a82...1/a88227fc.jpg
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Re: How are you with your money?
Damn.. I don't drop that kind of money at any club.
$300-$400 max.. and that's at least 3-4hrs of clubbin.
Even strip clubs I don't think I've dropped more than 3 bills.
But I've never hung out in one for more than 1-2hrs either..
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Re: How are you with your money?
i'm good with my debt card. it's actually how i save money, i only withdraw to buy gas with cash cuz it's cheaper.
stop eating out so much, i can parlay a 20 bills into just food if i choose to eat out, that's my limit. i never go over twenty, and use it on fast food. mostly subways. and alot times i parlay my lunch into a snack before dinner, or just dinner if i ate well enough during breakfast.
but say you eat out for all three meals of the day, and buy snacks. spend maybe 4 or 5 dollars on each meal, 2 or 3 for the snacks, and you have two different snacks periods. 4 x 7 equals 28, 6x7 is 42 that's 70 right there, without even factoring in gas for work, therefore you're surely spend over a hundred a week, you're leaking money. i keep my debit on me, because like alot of people having cash in your pocket kinda makes you spend it quick as hell. budget might not sound easy, but you most def need at least a loose budget, and cooking your own shit is great.
learn to cook bitch!!!!!!!!!!!
Quote:
Originally Posted by
Sobe
lol yea don't use your card if ur like that. i like to use cash anyway
instead of eating out so much go a costco or some wholesale grocery store and stock up. u can make ur own meals and load up on snacks and in the end it's a lot cheaper then going out all the time. and if u party a lot try to freeload instead of being the one paying for shit (which is hard if ur one of the 3 homies with a job and everyone else is a bum)
the typical american lives above their means though. drives a nice car that they're not sure they'll be able to make payments on, partying, going out a lot, etc. i dont know how much u make but obviously the more u make the easier it will be to cut back.
exactly
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Re: How are you with your money?
Quote:
Originally Posted by
Mr. Bust On Toes
Lol, Damn. One of my friends pulled a similar stunt trying to get with a stripper. I emphasize the trying part though because he didn't end up getting any. Classic night right there son.
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Re: How are you with your money?
This thread is funny...memories...
For the most part, security comes with age. Typical for the old guy to say, but mostly, it's true.
Cuz, when I was a couple decades younger...20-21...pretty much all the way till around 30-ish...
I was HORRIBLE with money. Now, that's not to say that some younger cats ain't got it together...just talking from personal experience.
When you're younger, your will power is not as strong...you're not able to tell yourself or others "no" as easy as you are when you get older. Cats call you up and wanna meet an the restaurant, have some beers later and play pool...boom, your ass wants to go...and does! You just dropped 75-100, minimum.
Some chick wants to hit a flick...boom, your ass is taking her, buying her snacks and shit, dinner either before or after, couple of drinks maybe. That's almost a 100 depending on where you go and at what time. More even. After 6pm? Movie prices pretty much double.
And when you're out? Shot of Patron? JACK and coke?
It gets pricey...telling the bartender or waitress those name brands sounds cool, smooth...but those same name brands cost fuckloads depending on where you go.
Same with your clothes...gotta look fly? Stylish? Gotta have designer, recognizable names on your threads? Well, not on a tight budget you ain't. How the fuck you gonna drop 80 bucks for a shirt, 50 for jeans, 120 for your kicks, 80 for your cologne...that's 330 total...and your fuckin light bill is 300??? And you haven't even paid that yet!
See what I'm saying?
It's not a problem to use your debit card, just make sure you have money in there!
www.compassbank.com
www.chase.com
www.bankofamerica.com
See that shit^^^...every fuckin bank has online services...TRACK YOUR SPENDING! SAVE RECEIPTS!!! Make sure your receipts match what the fuck your bank says you're spending. Hold your receipts till they clear, cuz alot of banks don't post CREDIT charges immediately. Some do, but others don't.
You'll swipe a 100. on CREDIT...look at your online account ten minutes later and it'll APPEAR that that 100 hasn't been spent...but your receipt, in yoru hand, will remind you it has been spent. Same with writing checks...those bitches don't clear immediately...use the carbon copy as a receipt or make a physical note that you wrote a check and for how much.
I got my shit on lock now...but it took practically a lifetime to do it.
Ain't fuckin easy...but it's a must to having a financially stress free life.
Even if you don't make shit...just make sure you spend less than you make!
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How are you with your money?
And ya cant be having leaches on your team.
If you have someone that loves to mooch, my best advice is to not hang with that person. Shut em out completely.
I occasionally run into people like that. You can tell when someone is a moocher. It should always be even.
You buy your friend a drink, then he'll do something else in return..food, favors, anything.
Hang out with older people---successful ones though. You'll learn a lot from the older folks about the art of money, living, surviving, behaving, fucking, sucking, knowledge..everything.
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Re: How are you with your money?
Well when I get paid my 577$ goes on Cigerrettes, A 50 in weed, food and rent. :/
I suck with money
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Re: How are you with your money?
yeah money haha good old money. shit is hard to handle but it seems to me, you have to be able to invest somewhere of something. i had it hard before an turn to this street life shit i live, an you have to put out to get more. manage a small amount to even see if you can handle a large amount. i hide money from myself for the fact if you feel like you down, you grind harder. the more you got around, the more you'll spend. real niggah shit.
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Re: How are you with your money?
i have two jobs, my full time job check gets direct deposited into checking and at my part time job i work two days a week and get paid 80 cash daily, i use that 160 each week as spending money....its a pretty good system if you can find an under the table gig.
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Re: How are you with your money?
Word.
I think I eat out one meal once a week... sometimes not even in that.. most my money's going to bills... so, yeah. That's where THAT is.
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Re: How are you with your money?
Horrible, spent 30k in 3 months.
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Re: How are you with your money?
I can never budget money when I’m in this arena so sick and helpless
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Re: How are you with your money?
Fucking pregnant fuckers.
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Re: How are you with your money?
So sick again that someone has to budget for me. Can’t count, losing shit, down to receipts and frustrated... it’s just the zone and if it is like... I need MY family - I can’t stand being sick like this... ask me how I’m dressing lately too
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Re: How are you with your money?
If I have a lot I tend to save more and be tighter but if I’m broke that thirsty rich come in and I spend my all. I learned pay your bills as soon as you get paid cause it’s gonna go any way if you don’t but when your bills are paid it feels like you have more too. There is a tarot card that is the 4 of coins. It to makes you aware you have to give to get and if you hoard them all you will lose.
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When I’m sick I lose money like crazy...
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I joke and say I don’t want any until I know someone can’t sleepwalk me to the bank. My poa had 4 signatures on it I didn’t even know about so I’m just like I need a co-sign for real any time I go to the bank and low limits in my account just in case they can or do.
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My credit was great... cars, condo, credit cards etc. but when I got sick like whoa I joke like I wish someone would steal my credit cause the only way it can go is up!!! I had to cars repod in the same year... one of them twice I was hanging by such a string. But I let go and said fuck it. Maybe one day I’ll have enough money to rebuild my credit again.
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Correction: 2 cars
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Re: How are you with your money?
Yeah if I’m sad I usually win at the casino... I know if I feel anxious I have to stop... and if I wanna leave you’re going to lose your money until we do. That’s the one I hate cause then I feel like it’s my fault. I air out at the casino and scream a lot in my head sometimes too. I go there to think but if I’m there in crack head morning hours alone like 4am - 6am - I usually get rumbled out. It’s entertaining being bipolar sometimes too...
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Re: How are you with your money?
I don't trust all these casino and bookmakers websites....
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Re: How are you with your money?