Comments | blitzen_: ugh, money woes.

blitzen_

ugh, money woes.

Jan 09, 2009 18:09

i know there are lots of you on my flist who are seriously fucking GOOD with money - good at saving, good at spending (well, i'm GREAT at that), good at finding deals. i am not one of those people.

i know gemmabowles was having a gripe a while back about ppl who live paycheck to paycheck. unfortunately, i'm pretty much one of THOSE people. as my friend ( Read more... )

house, money, rant

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k7point5 January 9 2009, 15:09:21 UTC

Times have been really tough for me recently, also. I have started putting $15/week in my savings acct to build it up without causing too much strife in the checking acct department :) It's working well so far. Before I graduated I never went below $2000 between my checking and savings. I had reliable income and I spent about the same each month. Then I went to Europe and went a little nuts, and came back home and was unemployed for two months. Then I got that shit waitressing job for $2.85 an hour and shortly after that I went and checked my bank acct online and I had -$8.00 in my checking acct, $0 in my savings, and by some grace of God I did not owe any money on my credit card. Still, I was BROKE. I felt awful about myself.

I had to borrow a bit of money from my parents to avoid bank fees for being in the red, but seeing that negative amount was seriously the biggest kick in the ass ever.

I hope you can get things in order. I don't really have any good advice for you other than putting a small amount aside each week..it's crazy how quickly that will build up and before you know it you'll have a lot of "extra" money.

siobheanne January 9 2009, 18:01:58 UTC

Is that a typo, or were they seriously paying you ONLY $2.85/hr to waitress??? If so, that is CRAZY. Here in Ontario, 'regular' minimum wage is $8.75/hr right now (up to $9.50 by 2012 or some long term plan like that, I think) but for any serving job, it's $7.85/hr because of the assumption of being compensated by tips. But <$3/hr?! I can't imagine that being worthwhile!

k7point5 January 9 2009, 22:01:32 UTC

Nope, no typo :( I literally depend on tips to survive.

blitzen_ January 9 2009, 22:36:05 UTC

that's what i was thinking! omg that is ridiculous, no wonder you were crazy about it. here minimum wage is like $12.50 an hour or something.

i think $15 sounds doable. on payday i automatically have $100 deducted into a savings acct, but i just seem to spend it because i have NOTHING else.

grrrr.

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