What is UP fellas?! Guess what day it is? PAY DAY! So post your blances and discuss your financial woes ITT

All that money and you're still a virgin...kek

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GO THE FUCK AWAY! NOW!!

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This is projecting, son.

Why is uni so expensive???

Minus 1000 pounds because I can't stop spending money on camwhores. My parents think I have all this money saved to move out and i'm living in my overdraft.

I got nine bucks right now

Please someone save me, I make 12K euros a year.

you are retarded
why would you even do that

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Since I'm a college kid with a minimum wage job, I maybe make 100 bucks a week.
But it's all disposable income so I have no reason to bitch.

I have addiction problems and no self control. I managed to go from november until march without spending anything, dragged myself out of my overdraft then relapsed last month now I'm back in it.

Short some stuff now then.

I've saved quite a bit every month but now this vacation is taking a large part of what I've saved the last year.
I'm saving a decent part of my money and I could be a bit better but with my income it will take many decades to have a significant amount of money.
It seems I'll be a low level wageslave until I die or if I'm lucky I can be retired for a while when I'm old.

8000. I used to have 19k but I've been out of work for over a year and it's dwindling fast.

My net worth is $100k right now.

The 60k and 28k (plus an additional 2k) are being invested in something.

After that, it's around 11-12k in my debit account, with 6-7k more coming in soon. I guess close to 110k by the end of April.

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I would rather play the shorting game. Just holding index funds

Im to tired to crop shit. (Much graveyard) I have 1328 dollars. Started from zero a few months ago. So I'm feeling ok actually. I actually wanna die a lil bit less at the moment. Rare friends. Rare.

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desu it's very sad the only thing you have that's worth discussing is how much you've saved up, most people talk about hobbies or skills - anyway what are you saving up for?

>most people talk about hobbies or skills
Have you talked to anyone in the last year?

Why would you hold that if you expect a correction though?

post your balances! aaahhh

I'm not insecure and I have a personality so I see no reason to

>I'm not insecure, so let me tell a complete stranger this
I believe you.

desu I'm just dont care enough to start selling my index funds shares and my stock picks and then buy back at some other time. I would rather just hold. I have zero things to spend the money on so I would rather just keep the stocks for ~10-30 years.

But ill wait another 2-3 months before buying index funds with my cash

ok let me rephrase, I'm not insecure enough to try and impress strangers online with my bank balance

Can I maybe have a very tiny little bit of that, if you were feeling kind?

You're still insecure. Me infinity, you zero.

but not as insecure as you lad
you virgin with no personality
me infinity

Do you live in Canada? How much do you need? For what will you use it?

No I don't live in Canada but you could use PayPal and that would convert it automatically. I need about 640 for bills that are past due and due soon. Mainly insurance, power, water, gas and internet. Their kindness ends after one month of being overdue.

Forgot to mention that I'd settle for $100 or $200 so I can stock up on groceries though, non perishables in case the power gets turned off.

I have 6k+ euros currently. Started working only a few months ago. Once I pay off my car next month, I'll really be able to start building up my emergency savings fun.

I've had sex as recently as last Thursday. what about you?

No payday for me this week. Next i might join you, lad

How do I save money, though. I've spent almost all my checks, to the point i have pennies in my account, and i keep telling myself that i'll start saving, but see shit i really wanna buy (graphics card, albums, books, new speakers)

what do? Even if i only put away $100 a month, would it be helpful at all?

yesterday, plus going out again tomorrow so yea

I'm too spooked by sites like PayPal since I've never used them. If you were in Ontario or Canada, I would. My wife would be fine with it too.

Stop buying useless stuff. Save a fixed amount and put it in an account that you cant widraw easily from

It's honestly really simple. I could even get you a link where you don't even have to sign up to send me something (though PayPal would take a cut). I can't be so close to someone being nice to me only to be denied now. Please?

So I guess we are both successful dudes. Why call me insecure then?

You both need to Ieave

because you're posting your bank balance online in order to impress people

>it's an user think he owns r9k episode
boring

My money is in the market because I can't fucking save more than $8k in my checking account at any given time, despite a six figure salary... So I've got slow rolling investments, and some crypto... Sucks. No matter how much I make, I can't save.

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I've been doing this for years. The only one making a big deal out of it is you.

I was just roleplaying as that poster who's actually rich to see what it would feel like. Sorry to get your hopes up. I think he's gone.

>useless stuff
That's the thing, I dont think any of the stuff i've bought in the past couple months is useless (new PC build and some manga), both of which i've wanted for a long time and got enjoyment out of. For someone working part time and earning about 700 a month, what would be a good amount to save?

>I've been doing this for years.
I know that's what makes it sadder, you've spent years doing something that's only purpose is to inflate your ego

Oh. Welp. That was the last straw for me. See you guys. It was nice posting with you all the past few years.

200 a month would put you in a good place. you'd have a thousand saved before the year is half over

Dude I can't save more than 4k in my checking and I'm making 120k. I was rich in BTC until the market continued shitting.

>It's another "barely affording to exist" episode :^ )))

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Yes that's why people do things. That's why you're replying to me now. You've cracked the modern pathology!

If you value the things more than saving then its gonna be hard for you to save. Saving rate all depends on your expenses. I would save 50-70% if you lived at home with minimal expenses

We're the same. I'm probably older than you though.

If I'd just cook my own meals, I could save a lot more money. And yeah. The crypto bubble - hold me bro, i know that feel.

Someone please just help me, just this once.

how does it inflate my ego, I think its really sad, the fact another human is this insecure actually upsets me, it doesn't make me feel better about myself

you might be redeemable though lad because I'd rather everytime I see this thread it doesn't make me depressed
would you answer some questions

>age?
>job?
>virgin?
>single?
>live with parents?
>hobbies?
>overweight?
>any disabilities?

listen I know your first thought will be I'm going to use these answer against you but I'm not, your answers will either make me less sad or more sad, if they make me less sad I'll apologize for judging you so harshly, if they make me more sad I'll wish you the best and just filter these from now on so I don't see them

i can't give you money but i'd encourage you to learn2tech

tech sector is thriving. designers, developers, qa, product, project - there are jobs in every city for these specialties. so pick one that interests you and get to learning, then get a foot in the door by helping some fool with money build a website for their company or whatever

work in tech, the is all

why do you deserve my money more than me? and what would you spend it on?

It inflates your ego because you are acting like you have some moral high ground. You're probably just as shallow and vain as I am, masquerading these flaws with big abstractions like "personality". I don't know much about you but from what I can tell you are a stick in the mud who takes things a little too seriously. I will humor you now:

>27
>yes
>no
>yes
>no
>writing reviews no one reads, going to the gym, making videos about things I find interesting, playing guitar like Neil Young, watching movies I haven't seen
>No
>No

I don't deserve your money more than you in the slightest. Things have just taken an unfortunate turn for me and I'm trying my luck any way I can.

I'd just spend it on overdue bills. Not even food right now, just bills. Need about $640.

I don't think you understand the term moral high ground but other than that you're pretty spot on anyway your answers made me think this is less pathetic, sorry for being a bit of a dick to you also by job? I meant what do you do as a job also based hobbies

ok let me rephrase then why should I give you money to solve a problem you created yourself? why can you not raise the money yourself? what is the unfortunate turn?

Moral high ground meaning that you're acting like you're better than me, "higher" than me, because you don't dare to make funny threads on Jow Forums that inflate your ego. I make videos for a magazine.

Tell us what are some decent investments fucker.

Why brag about 60k

I like when the numbers go up up up up

They've gone up 15k in an entire year.....

moral high ground means I believe my actions are more moral, like if two girls got pregnant, one had an abortion then the other starts lecturing her on how bad abortion is, it's a person thinking their actions are more moral or they are more moral than someone else, anyway lad I'm outtie hope the saving goes well and you eventually spend it on something nice

I wouldn't go so far as to presume that you should, I'm mainly hoping someone is very rich and in a good mood and feels like being incredibly kind. The unfortunate turn was me getting laid off from work a few months ago because of how slow it was and now I'm having a hard time finding a new job. Even temp stuff is all snatched up. Every day I go down to this place where illegals line up looking for work, usually someone will ask for a guy who can paint or do cheap landscaping stuff, but no dice so far.

>literal attention seeker seething at people having more money than him

but by asking us to pay off debts you worked up you are saying we should give you money to fix your problems, also does your country not have a benefit system?

Yes and when you see how much I spend a given month you would be so proud of me I think you'd start sucking my dick.

I always thought moral high ground applied to sense of superiority. It implies your concern for me isn't genuine and you are only using this interaction to make yourself feel better. I guess I should have said "unwarranted sense of superiority." Ok pal have a good one!

Not really seething. 60k is a nice amount to have but certainly nothing to brag about.

The benefits thing is still processing, taking it's sweet fucking time too. I'm not saying "hey you rich people should help me" I'm really just asking. No harm in just asking, especially when the answer is most likely a no.

Okay, how much do you spend a month?

last month I spent around 2500

but by asking it shows you have no problem with anons paying to fix your problem kinda fucked desu mate

Is that supposed to be a very large amount or a very little amount? It sounds extremely average. Your take home salary I'm guessing is around 50k or so which again seems like a decent but not bragworthy amount

In the land of the blind the one eyed man is king. And you should be miring my saving skills. I am a master of frugality while having an active social/sex life.

Two reasons for that, one, because what I need is almost a fraction of what other anons seem to have so in the long run it wouldn't hurt them financially, and two, because I'd do the same thing for someone else. I have in the past given money to people who needed it, although those were the one or two friends I've had in my life. None now though.

it's funny how you're critiquing other people when you're probably on benefits and have less money in the bank than him

>I'd do the same thing for someone else.
if this was true you wouldn't have offered to pay people back, you didn't because you won't

Any anons wanna paypal me $140 so i can feed myself for the next couple months

things are tight and it would be great to be able to skip the food part of my budget

I didn't offer to pay people back because it would be an empty promise I'd have no way of keeping, I have no idea when I'd be able to pay back someone over $600 and making any plans or deals to would be dishonest.

It's even funnier how you are making assumptions about me without nearly any basis

index funds have been shown to outperform day traders 90% of the time - so open an IRA with Betterment/Wealthfront/TDAmeritrade/Schwab and put $5.5k in per year.

If the markets don't totally explode (they won't - consumer driven economy has more life than people think) you will have $500k - $1m by retirement.

If you inherit money, or catch a windfall, own property in the right place, you can set yourself free at age 60.

Anyway. Look into robo advisors. Supposedly Schwab Intelligent Portfolios outperforms the others, but they're all basically the same (money so diversified it moves with the market, which is presumed to go up, over time)...

And remember a key rule to long term investing! Incremental contributions during both bear/bull high/low times is the key to longterm winning.

Again spending 2500 a month and saving around 1000 to 1500 doesn't sound either lavish nor frugal. Sounds like a slightly above average kind of life to me. If these threads make you happy then continue making them I guess.

Thank you I will. And when I crack 70k before the year ends I will celebrate like a mad man.

the funniest thing is how you didn't disagree with my assumptions also tripfags are mostly unemployed, the only reason you'd be upset at the user with money is if you didn't have any also you acting like it's a small amount of money is a trick to imply you make more without directly saying it but since you're a tripfag who wants attention and you posted no proof it's safe to assume you don't actually have more money

Don't get too caught up with a number. If you really want big bucks you'll need to find a big bucks job

I like the job I have and I can easily advance in the next two years though.