Posted by kid_A on November 30, 2001, at 16:26:58
In reply to Financial Stress, posted by Roo on November 30, 2001, at 12:20:52
i was just talking about this to someone else, in the past weekend i had to renew my drivers liscence, my plate tag, car payment, phone bill, 247.00 payup front to insurance for being late in payment, plus electricity... after the paycheck that doesnt leave much for my rent... which will obviously bounce... this month alone i had 4 nsf charges because i stupidly didnt deposit an 80 dolar cheque i had...im learning, not really, i spend beyond my limits, im not very stoic, i live each day for that day and don't think about the consequences... i spend beyond my means... but ive also learned tricks... tricks that allow me to have a little money even though im dead negative in the hole...
this month w/ about 28 dollars in the bank my 625 dollar rent check will go through... god know that will be 1 nsf plus the negative 625... i get a paycheck each week but am i going to deposit it? hell no, that would mean that i would just still have negative money and no money at all for myself... i put it in savings and wait until i get my next check so then i can transfer them both over to checking and finally get myself into the black...
ive actually started even keeping a registry, everything you say i know first hand, ive been having my dad bail me out for a couple months, but this time, it was just way too much... it all started when i had a 467 dollar repair bill that just destroyed me financially... there are a lot of little tricks you can do to...
like 1, if you are out of cash on a wed. and you get paid on a friday, you can write checks at the grocery store over the amount, and they wont get cashed until friday...
second, if your gonna be negative, take some money out to live on until you can put yourself back in black... no use dumping money into a hole that just makes you LESS negative...
man, im trying to learn, i feel like a loser just having these problems... but then again, i feel like im just totally the opposite of my father, stoic, and saving for a rainy day... i just never know when my day could come and all my life would be wasted saving.
don't fret, there are others out there, especially me, who know exactly how you feel.
poster:kid_A
thread:14611
URL: http://www.dr-bob.org/babble/social/20011130/msgs/14628.html