Have these people been born into some bubble devoid of reality and the real world?
"Like it's so unreal and not fair, and I told my Dad to help and he said like I need to like get a grip and I was like adopted anyway so I can like fuck off."
(
spazzcaptain Misses Valin @, Mon 11 Nov 2019, 20:39,
Reply)
You'd be amazed at how many people need a book with rules to function...
And by book, I mean something like "Total Money Makeover".
It´s basically the common sense my gramps slapped into me, but I'll save you 1£ from the bargain bin by giving you all the main points without the born again Jesus crap:
- Pay housing, food and stuff for survival/work first.
- Pay the rest with what is left.
- Do a fucking budget, a 0 based preferably, stick to it.
- Don't have money for shit, save up or don't get it.
- Factor in risk when doing financial stuff.
- A high credit score is not used by all banks, I mean some of them ask for income, assets and the like, at a face to face meeting before even thinking of setting up a mortgage.
Then, if you fucked up and are trying to get out of the hole:
Step one:
- Get current on your debts, don't get new ones. Leasing or renting stuff is stupid expensive, don't fucking do it, be it cars or handbags.
- Live like a poor student with no money.
- Get a second job temporarily - max out overtime, rent your Gran on Gumtree, sell cat portraits on ze internets.
- Sell all the crap you don't use.
Step two:
- Save up 1000£ as minimum emergency fund.
Step three:
- Pay off your debts starting with the smallest one or the taxman (don't wait to pay off mortgage for next step).
Step three:
- Save up 3 months of expenses for a ermergency fund, Xmas or a date is NOT A FUCKING EMERGENCY.
Step four:
- Start saving for a down payment on a house, start putting a bit extra on the retirement account etc. live normally YOU FUCKTWAT WITH A LIP PIERCING.
I mean, its not fucking rocket science.
(, Mon 11 Nov 2019, 22:00, Reply)
Yeah but I need to go clubbing every night for my mental wellbeing
(, Mon 11 Nov 2019, 22:34, Reply)
Well
At least sell the fresh seal pup pelts on Etsy and eat the meat,
(, Mon 11 Nov 2019, 22:36, Reply)
Is the skin worth anything on those?
The gory clubbing vids might be worth a bob or a penny on the black market. Maybe.
(, Tue 12 Nov 2019, 17:20, Reply)
