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Awesome, I'm now officially bankrupt

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  • #16
    NAh the problem is I wasn't prepared for surprise costs that took my finance down. I don't spend money, I don't buy anything right now. The problem is my low salary, that leaves me with... 500 euros after rent. Now there's few mandatory bills after that so you see, not much for shopping sprees, and as of now, after the hit I took, I went straight to the negative side of the spectrum. At least I had credit, without that, I'd been screwed already.

    I mean it's not about money management so much. Well it is, if you count too low salary as a problem. Which it is, it was something I choose, I could have gotten double salary eaaaaasy but it wouldn't have been this job. I knew it'll take a year or so to actually get it straight, and few years to get it OK. But I didn't think it as a risk but rather money issue that isn't important to me as long as I get by. And after this hurdle, I'd go and follow the money, getting a huge boost from this job and basically this job allows me to do that later on job, no other routes. So... yeah.

    GP, that's cool, except OT doesn't pay a single dime in this job. So no, that's not something I could count on

    And on counting on raise, except it is guaranteed after certain tasks. The proper raise is taking too long though, but it's mostly due to changes I wasn't expecting. So it'll take longer.

    Rent, cool. That's cool, except there's no such places in here that would allow me to follow that strategy No, I mean seriously. That's good if you can actually do that, but it's actually factually impossible for me right now. I'm actually under the EU poverty line and it's not even close.

    There's no room for planning or cutting expenses. I like to keep my roof, phone and food. Move to another place, doesn't change much. Like I said, my salary is _low_. And I took that hit recently, so yeah... that set me off.

    Tuberski, and come back to what? YOu realize my raise won't allow me to buy furniture back? Or even used stuff that much? Not possible. Plus I just got most of these, after saving and fiddlign around and shopping for the cheapos, took me too much time and effort, I won't get much back from them, so no, I won't sell my furniture. I should buy more furniture.

    AP, absolutely NOT possible.

    Tattila, not a student, but that fee paid still allows me to use my student card until fall. Doesn't apply to loans, since my status is not student. I just have the card.

    I have tried to figure out move so much my head already hurts so there's really not much left, except to get a loan from a friend or hang in and try to survive the next 2 months. I mean I will survive of course, but... it just sucks, thus "Awesome, I'm now officially bankrupt".
    In da butt.
    "Do not worry if others do not understand you. Instead worry if you do not understand others." - Confucius
    THE UNDEFEATED SUPERCITIZEN w:4 t:2 l:1 (DON'T ASK!)
    "God is dead" - Nietzsche. "Nietzsche is dead" - God.

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    • #17
      Oerdin, yeah I know. It sucks right now but it'll get a lot better pretty soon. But still, it's not much fun. But that's OK. Good things are still free. I've done long bikerides, today I went for a 20km trip. It's enjoyable, even though it started to rain. But I don't care. I just like to ride my bike. It's free.
      In da butt.
      "Do not worry if others do not understand you. Instead worry if you do not understand others." - Confucius
      THE UNDEFEATED SUPERCITIZEN w:4 t:2 l:1 (DON'T ASK!)
      "God is dead" - Nietzsche. "Nietzsche is dead" - God.

      Comment


      • #18
        Being poor has its benefits. First of all, I still have mad skills, meaning this is definitely temporary. I'm getting all my goals faster than I ever imagined and 100% exact hit with what I wanted to do. Awesome.

        Second of all, being poor is cool because I don't have to take any **** from people. I can always beat them up. I don't have any money, so shut the hell up. Not just that, but I guess I chose to be poor. That's cool. I get to be poor by my own choice and beat people up. Maybe I chose to be poor so I can beat people up? Who knows. I haven't beaten up anyone in a long time. I miss it. Maybe someone should get it. Maybe an innocent child or a puppy. Kick them in the stomach I say. You don't want to kick a dog in the head, because it has those nasty teeth so you might cut yourself, and kid's head is still soft so it won't do anything. Kick them in the stomach I say. If nothing else, they'll go sleep with a sore belly. And that's just good enough because I settle for small things. Small things makes me happy. Thus I'm easily entertained. LINE THEM BELLIES UP!
        In da butt.
        "Do not worry if others do not understand you. Instead worry if you do not understand others." - Confucius
        THE UNDEFEATED SUPERCITIZEN w:4 t:2 l:1 (DON'T ASK!)
        "God is dead" - Nietzsche. "Nietzsche is dead" - God.

        Comment


        • #19
          Hey, you could be like me, Pekka. I have no job, more debt than assets, and not enough money to pay next month's rent. My bestfriend is mailing me a check from halfway across the world because she doesn't want me to be deeply in debt to credit card companies.
          Click here if you're having trouble sleeping.
          "We confess our little faults to persuade people that we have no large ones." - François de La Rochefoucauld

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          • #20
            Is there anything you can cut back on to save expenses? What about your dad? Does he live in the same city or maybe you have some extra junk you could sell on ebay?
            Try http://wordforge.net/index.php for discussion and debate.

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            • #21
              From September, I'm going to go from making >$80k a year to spending almost that much on college bills and living expenses per year for two years without income
              THEY!!111 OMG WTF LOL LET DA NOMADS AND TEH S3D3NTARY PEOPLA BOTH MAEK BITER AXP3REINCES
              AND TEH GRAAT SINS OF THERE [DOCTRINAL] INOVATIONS BQU3ATH3D SMAL
              AND!!1!11!!! LOL JUST IN CAES A DISPUTANT CALS U 2 DISPUT3 ABOUT THEYRE CLAMES
              DO NOT THAN DISPUT3 ON THEM 3XCAPT BY WAY OF AN 3XTARNAL DISPUTA!!!!11!! WTF

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              • #22
                Two friends of mine quit >$90k per year jobs to go to MBA school. Personally, I think MBAs are worthless.
                Try http://wordforge.net/index.php for discussion and debate.

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                • #23
                  Pekka: Don't you have a roommate? That's a good way to save money.
                  I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891

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                  • #24
                    Tuberski, and come back to what? YOu realize my raise won't allow me to buy furniture back? Or even used stuff that much? Not possible. Plus I just got most of these, after saving and fiddlign around and shopping for the cheapos, took me too much time and effort, I won't get much back from them, so no, I won't sell my furniture. I should buy more furniture.
                    Do it.

                    I've been where you are as well, except I didn't have any credit to live off of.

                    It's not fun, but that furniture you are sitting on is cash.
                    Scouse Git (2) La Fayette Adam Smith Solomwi and Loinburger will not be forgotten.
                    "Remember the night we broke the windows in this old house? This is what I wished for..."
                    2015 APOLYTON FANTASY FOOTBALL CHAMPION!

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                    • #25
                      Originally posted by DanS
                      Pekka: Don't you have a roommate? That's a good way to save money.
                      could you imagine living with pekka.
                      "The Christian way has not been tried and found wanting, it has been found to be hard and left untried" - GK Chesterton.

                      "The most obvious predicition about the future is that it will be mostly like the past" - Alain de Botton

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                      • #26
                        Pekka, I am trying to read this on a mobile phone so could you keep it a little more succinct. I'd have thought your security knowledge you would've found a way to get a decent job out of it; perhaps even consultancy like myself. Come on man, play it all it is worth.

                        And there is a small chance I may be in Helsinki for a while later this year. Although it may be Slough instead :-(
                        Speaking of Erith:

                        "It's not twinned with anywhere, but it does have a suicide pact with Dagenham" - Linda Smith

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                        • #27
                          No I can't sell my furniture. I'm not sure about my mental health after that, since ... I'd be still coming back with my broke ass and without a home, but then I wouldn't even have furniture. I'd own practically nothing. It's not cash, it's my life.

                          I'd rather burn it down and go with the flames, screaming some weird stuff

                          Oh well. It'll be cool once again. I'm talking to my boss today... yeah of course I have job talk on Sunday without pay, naturally, but you know, I'll just let him know exactly what I think about the situation. He can't do much about it, but at least he won't expect me to suck his balls.
                          In da butt.
                          "Do not worry if others do not understand you. Instead worry if you do not understand others." - Confucius
                          THE UNDEFEATED SUPERCITIZEN w:4 t:2 l:1 (DON'T ASK!)
                          "God is dead" - Nietzsche. "Nietzsche is dead" - God.

                          Comment


                          • #28
                            PH, too bad, I'll be in the US then

                            Yeah I know, there's great money in this business. But I'm doing research, so it sucks like nothing more when it comes to salaries. But the things I do, I need to complete this first, then I can actually do it outside this institution and make that money. I could go consulting right now with more general stuff, but that's not what I'm into.
                            In da butt.
                            "Do not worry if others do not understand you. Instead worry if you do not understand others." - Confucius
                            THE UNDEFEATED SUPERCITIZEN w:4 t:2 l:1 (DON'T ASK!)
                            "God is dead" - Nietzsche. "Nietzsche is dead" - God.

                            Comment


                            • #29
                              Well in that case it is good to finish what you started. I know I never did with my PhD but in hindsight I hated academia and it was one of the best decisions I have ever made. Now I feel I am getting where I want to go on my terms. I'm enjoying my new job and it just so happens to be in a lucrative field. But stick it out - there are better times ahead
                              Speaking of Erith:

                              "It's not twinned with anywhere, but it does have a suicide pact with Dagenham" - Linda Smith

                              Comment


                              • #30
                                Yes of course. I get to do what I want as well, salary is the only problem. It will be OK but right now it sucks quite badly. I think I'll go for another free bike ride soon before I have to talk to my boss over skype about lots of stuff I don't get paid to do anyway.
                                In da butt.
                                "Do not worry if others do not understand you. Instead worry if you do not understand others." - Confucius
                                THE UNDEFEATED SUPERCITIZEN w:4 t:2 l:1 (DON'T ASK!)
                                "God is dead" - Nietzsche. "Nietzsche is dead" - God.

                                Comment

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