I'm a dumbass and I'm 2,350 dollars in debt. I'm a part-time worker and I earn about 550 monthly after taxes and phone bill.
even if I go no-life and stop going out and buying vidya I will have to stay like that for 4 and a half months.
I fucking hate myself for maxing out cards, could have been full time student enjoying my usual allowance to go out with friends.
>my usual allowance
Do you have a job, sir?
I wish I fucking didn't being a cashier fucking sucks, having to deal with shitty boomer costumers that think they better than you, then I have to go out and clean the trashcans filled with rats, to then clean the bathrooms that appear like they have been used by literal monkeys, all that just for a sad fucking 9 dollars an hour.
Good goy
Well I'm already going to freely get some vidya to last me these months, and just full focus on killing my debt. Then I will close my cards and finally fucking quit my job.
> 2,350 dollars in debt
Big deal. One time I was $9,000 and paying to go to school part time. Just work yourself out of it and pay it down piece by piece, month by month. You'll be alright, things will just suck for a bit
Can't wait to be debt free. Also, luckily my parents paid a great part of my college credits in advance when I was born, so about 3/4 of my career is already paid.
I really don't know what happened to me, I should have stayed with my debit card and just use what I earn instead of dealing with credit cards.
It is not correct nor logical but I try and separate my mortgage and car payment from other debt in my mind. When I do so my debt is actually quite manageable and of low enough interest that I don't have major worries about it. Once again, the interest is more than my returns with what I put into interests but I have trouble forcing myself to think that way. Focusing totally on debt reduction just feels like a loss compared to wealth accumulation even if it is all just money in money out.
Yeah it can be pretty easy to just buy shit and not even think about it with a credit card. This might not matter to you when you go NEET (which I disagree with but whatever), but it helps to check up on your credit line regularly. If you're checking up on it every so often you can kinda hold yourself accountable and taper off if it starts rising too fast. I do this with my checking account too
Well I will not go NEET as I will probably just go and do some uber when I'm need of cash to buy something and I will also attend med-school in the future.
Oh okay then fair enough. The best advice I can give is checking up on financial status regularly. Like watching your weight and stepping on the scale week by week. The more you weigh yourself, the better you are at weight management because you start identifying patterns and behaviors that contribute to the results you see
I'm the opposite of this, 19 and I have 15k from a settlement saved and I have 3k in ETH and 3k in BTC.
Actually I make like 600 a month at my job I only work 4 days a week and on those days, I only work from 5pm-9pm. I started college but dropped out my first semester because I hated it. I'm thinking about going back but if in the next year crypto doesn't moon, I'll go back.
Wish I could have been more educated on debts and shit when I was in high school. But half of the economic class was talking about Socialism vs Communism vs Capitalism, and the other half was talking about how communism actually works.
Yea, I just got lucky someone fucked me up on my bike and I got a total of 30k from the accident but only 15k I have in my savings and the other 15k I have in dividends of AT&T. Pic related
You could get a raise if you were attacked for being a black faggot I heard
how does this work in America? Can you really get money just by someone crashing into you?? I've had 3 motorbike accidents and I never got a single penny out of it, in fact I had to pay to repair my bike and for first aid.
Yes, When you have insurance they must pay whatever their insurance company must pay for whatever policy they have. Usually the standard liability policy is 30k starting out. It was 17 when it happened and my dad got a lawyer to sort it out. If you get hit by lets say a company car or like an uber, You could sue uber and without a doubt get 100-200K.
Even when people are in their cars, people get rearended and they still get 40-50k settlements with a good lawyer. In my case I should have gotten well over 100k, But the guys insurance couldn't cover so we settled for 30k. The good thing was I only had a broken hand and rib that healed by itself, so my medical bills were like only 1k.
Sign up for Amazon Mturk and earn another 10-20$ a day while you watch youtube videos or something. You can even do it while playing some games that don't require 100% attention.
holy fuck why do Americans say it is hard to make money if you can just stand in a road and get 100k?
I'm interested in the details of this. How badly does your bike need to be damaged for it to count? Do both parties need insurance or just you? How can you possibly demand that much if it costs like $100 to fix a bike, because I always thought it works like you claim the money that you need in expenses like healthcare or whatever.
I'm actually low-key going for this, there is an intersection near my house were only the left lane is allowed to go left, but many people miss that out and do a left from a middle lane.
2 months ago I almost got in an accident where a guy in a Ferrari almost fucking crashed my shitty car. But because I was a little bitch my subconscious took over and I avoided that little fucker that was texting.
Both parties need to have insurance, It's actually illegal to drive in the U.S. without insurance and you can get your license taken away if done enough times. On the claiming part, The minimum payout for totals if you get a lawyer is usually around 30k for liability from the average joe with geico insurance. Now lets say for example you have someone working for the state or the goverment that pulls out in front of you. You could sue the government and their insurance providers because they have big policies to insure no liability falls on them and they pay big if you threaten to sue for, emotional damage health issues broken bones etc. It really depends on who you hit that's at fault and how much they are insured. Obviously if you have huge medical expenses from the crash or gain a disability from the crash, The insurance must pay way more than 30k for the damage done of disabling a person which is a serious crime in and of itself.
Don’t feel too bad. At least you don’t have 100k I’m student debt :)
If you gain a disability like they paralyze you or cause major unrecoverable health problems, You will no doubt get in the millions when you sue a insurance company no matter who owns the policy.
Should have taken the hit user, but its always good to be alive too. I am lucky to be alive since I flew over the truck in pic related.
do you need insurance for this? How much does it cost and how likely is it to pay out and does it only work if THEY have insurance?
It only works if they have insurance, which BTW a fuck ton of dirty 3rd world beaners do not have. So you could get paralyzed by some Paco and be fucked for life. Might as well an hero after that. Stay in your fucking country you mud nigger.
I heard you can pay your insurance so the can cover damages done by uninsured drivers.
But otherwise yeah, if the other guy is uninsured I don't think there is much you can do. Paco can literally fuck over you life in a moment and he can probably just go on TV if you or your lawyer threaten him personally and say you are racist.
You don't need insurance to get a settlement, But youll probably get your license pulled before you get in a major accident with no insurance because cops look for this daily and will not hesitate to give you a ticket, I think like 3 times no insurance your DL gets suspended for a year. Insurance on a bike is for the base liability coverage to be legal to drive is $700-$1000 depending on your bike cc size and your prior accident history. The payout is whoever is at faults insurance plan, If they have no insurance they go to jail and then you can press charges and or sue them for everything they have.
If they have no insurance and it's some foreigner that doesn't speak english they still go to jail, But if its an accident thats not really that bad at that point there's no need to sue them and get a lawyer because they don't own anything anyways. So if you get hit by somebody who is poor and broke you're basically screwed as other people have said.
Then go full time u lazy bones. The good thing about debt is it’s a strong motivator to get off your ass and work
That's a year 700-1000 a year for bike liability coverage.
Move to AZ OP, I'll give you a job as a Security Guard making 11 bucks an hour. Beats deal with shitty boomers and throwing out trash.
Sounds wild desu senpai
so why doesn't everyone just pay a small amount per year to basically get a million dollars for free instead of waging?
>AW DUDE, I HURT MY LEG BRO! THEY GOT ME ON THESE PILLS! I DON'T KNOW HOW MUCH I CAN PAY ON THESE CREDIT CARD BILLS, BRO... MAYBE $3 A MONTH?
You are 2,350 dollars in debt. You're a part-time worker and you earn about 550 monthly after taxes and phone bill.
These boomers might have point there.
yeah I agree OP is a lazy dumb crybaby but I'm posting because this insurance idea is super interesting
Don't do no-life. Continue to enjoy your life without worrying about consequences. The job seems to be bothering you. Quit. Get another card. Get more video games.
>2350 in debt
Yeah, you're really in deep water
Cut down on expenses and pay it off. The quicker you do, the less you'll owe since you'll be paying off more of the principal.
How much do you spend on video games per month? I know someone who is in debt around the same amount and feels pressured to keep buying new games since his online gaming buddies do
I've lost like $10k on bitmex one night when I was in college and I just went to sleep being a little bummed but not too sad. How poor are you fucks?
20k in debt. 50k in LINK. I SERIOUSLY DON'T GIVE A FUCK.
Med schools hard as fuck dude.
Age? As long as you're still in your early twenties you got time.
150k in debt. 50k In Link.
>shitty boomer costumier
he just died, show some respect