I'm getting tired of this lifestyle I'm running right now

Evil_kitten
Evil_kitten

I'm getting tired of this lifestyle I'm running right now.

I get up, work an 8-hour shift, eat a meal, then start another 8-hour shift at my second job, then go home and sleep 6-8 hours depending on if I need to shower.

All this so that I can work on paying off my 4-year auto loan I started several months ago, after paying down on my credit card.

Pay isn't consistent, so there may be a week or even a month where I won't make enough money to spend freely on shit I want and my credit card balance is up again just from maintaining my car.

I'm only working minimum wage for both my jobs and lack any skill to move myself up the ladder and have no desire in going to school (late 20s btw).

So my only hope is the $10 worth of lottery tickets I get every week, hoping I'll win at least a couple thousand just to help me out.

Anybody else on the same boat?

TreeEater
TreeEater

@Evil_kitten

spending 10 bucks/week on lottery tickets

Take that money and try something else. Literally everything's better than gambling.

Buy crypto currencies or penny stocks.

inb4 "these things are just memes"

But your probability is much higher with meme shit than gambling.

SniperGod
SniperGod

@Evil_kitten
try r9k

SniperWish
SniperWish

@Evil_kitten
silly wagie

BunnyJinx
BunnyJinx

You bought a car with a credit card?
Are you retarded?
Buy a second hand car if youre poor

StrangeWizard
StrangeWizard

@BunnyJinx
Do you think this info helps him now you fucking idiot? He already bought the car lol

Stupidasole
Stupidasole

@StrangeWizard
Yes. OP should sell his car and pay back the loan.

Nojokur
Nojokur

@Evil_kitten
You are only semi-fucked at the moment. The first thing you should figure out is how to cut expenses.
Are you able to move in with your parents or a relative? It would be cheaper to help with some of their bills than to live in a flat alone.
Also stop wasting money on the lottery. YOU WILL NOT WIN.
Once you cut the expenses you save every penny. After a few months you should have a comfortable amount of savings to not be stressing out over.
Especially if you are working as much as you have been.
Only pay off the debt with the highest interest first obviously. If it has a 0% interest rate then don't worry about it for now.

cum2soon
cum2soon

@Nojokur
that pic

kys

Inmate
Inmate

@BunnyJinx
No...

I don't think you can do that.

@Nojokur
Well, the car payment and insurance are both close to being $200/month and I finally paid off my phone, so I'm paying $80/month instead of $120.

I still live at parents house. Rent is $500.

Carnalpleasure
Carnalpleasure

Where the fuck do you live that taking two jobs to buy a car is better than one job and public transportation?

Snarelure
Snarelure

@Inmate
$500 a week rent to live with your fucking parents is a lot of dead money.

PurpleCharger
PurpleCharger

@Inmate
your perants are fucking massive faggots. leaving your fucking perants and moving out will cut your rent by 50%

New_Cliche
New_Cliche

@Evil_kitten
What kind of idiot works TWO 8 hour jobs? How much are you saving? If its nothing then you should consider suicide asap.

@PurpleCharger
No it won't. Which planet are you living in? We are in another real estate bubble. Though his parents are massive faggots, renting with them is far cheaper.

Nude_Bikergirl
Nude_Bikergirl

@Evil_kitten

Buying a car at all

Unless you live in a shitty place with poor public transport, there is no reason to own a car. If absolutely necessary, purchase a second-hand motorcycle.

You don't need a car, that comes later when you're successful.

Booteefool
Booteefool

@Inmate

$500 a week

Get the fuck out of there. I'm paying $310 for a spacious flat with two bedrooms. There's no reason you shouldn't be either my dude.

Methshot
Methshot

@Inmate

$80/mo for a phone is too much, you should be able to get $20/mo easily.

Better yet, don't have a phone, then it's free, use emails/facebook to organise shit with your friends and your home landline when you need to write down your number.

Just remember, freeing up that 80/month could be your food for the week. You're spending potential food money on your phone. You already own the device so you can still play games and fuck around on it, just not use the internet or call people.

Sharpcharm
Sharpcharm

@Booteefool
310 for a spacious flat with 2 bedrooms
Where, Syria?

BlogWobbles
BlogWobbles

@Sharpcharm

Inner Sydney.

StonedTime
StonedTime

@TreeEater
But your probability is much higher with meme shit than gambling.
This is true.
You also stand to lose less than 100% nearly every time you pick a bad stock or shitcoin, whereas lottery tickets are all-or-nothing.

Harmless_Venom
Harmless_Venom

@Nude_Bikergirl

My nigger. who /n/ here? Cycle commute master race, pay $0 to travel anywhere within 15 miles each way. If more than that it's about $2.6 for a light rail ticket that will get me anywhere within 40 miles, so 55 by combination of rail and bike.

I estimated the costs of even a cheap car would be about $250 a month if you amortize the purchase cost and maintenance over estimated life, plus insurance and gas. That doesn't even include parking, tickets, or stuff like car accessories or cleaning. Plus my bike keeps me /fit/.

@Booteefool
I'm paying $310 for a spacious flat with two bedrooms.

Where, Kansas? Some people live in places people actually want to live, and rent gets expensive. I pay 800. The cheapest I have found was 600, but it was a ghetto shithole pretty far away from everything, in a falling apart house.

askme
askme

@Evil_kitten
You simply must get on a written budget. Feed yourself, pay your rent, pay all the minimums on everything. Write out all your expenses and cut as much as possible. Your diet is Raamen, veggies and eggs. Liver and onions once a week. You're not playing the lottery and you're not going to "spend freely on shit". Any extra money you get goes toward paying down debts. Life will feel tough for like the first two weeks or so. Within a month or two, you'll start having real fun despite this lifestyle. And by the end of the year (I don't know your actual numbers here) you should have your debts paid off and you'll never go into debt again because of these emotions you are feeling right now. You feel like you're drowning, don't you? But you're going to make it.

Inmate
Inmate

@Evil_kitten
get up, work an 8-hour shift, eat a meal, then start another 8-hour shift at my second job, then go home and sleep 6-8 hours depending on if I need to shower.

Bidwell
Bidwell

@Harmless_Venom
Some Nuthead decided to steal my bicycle. I want to go riding, but I don't want to pay another 200 dollars for an additional week of riding before cold weather hits.

Fried_Sushi
Fried_Sushi

You shouldn't have bought a cat on a credit card, you should've taken out an actual loan.

If I was in your shoes, Id go to a bank and see if they can buy your loan out so that way you can breathe and not stack up on interest.

Also, that credit card bill is going to take more than 4 years to pay off from what you're telling me.

Carnalpleasure
Carnalpleasure

@Evil_kitten
$10 worth of lottery tickets I get every week
So you're in debt and barely making ends meet but spending $520 on the lottery every year? I bet you have an iPhone 7 and new Jordans as well.

eGremlin
eGremlin

@Evil_kitten
Take your 10 dollar lottery ticket money, open a Robinhood account and learn to play the market, 0 fees, perfect for you. You have a way higher chance of winning than losing in stocks than straight up gambling. And as previously said you don't lose everything in one go.

Nude_Bikergirl
Nude_Bikergirl

he fell for the wageslave meme

Keep running on that treadmill, ant

BinaryMan
BinaryMan

@Nude_Bikergirl

so he should just not work, stay home on his computer 24/7 and not own a car or do anything and just be a loser huh

TurtleCat
TurtleCat

@BinaryMan
should start a company or trading (suppose he has starting capital over 50k)

CouchChiller
CouchChiller

@Fried_Sushi
I didn't use my fucking credit card to get a fucking car.

@Carnalpleasure
I don't spend money on lottery tickets all the time; only when the jackpot is over a certain amount, increasing the chance in somebody winning. I've only spent about $100 on tickets in the last 3 months... $200 total, this year.

I have an iPhone 6 I bought two years ago and wear $30 shoes from Walmart.

Sir_Gallonhead
Sir_Gallonhead

@TurtleCat
this.
If you don't have money you can't make money
If no one will help you basically your're fucked

inb4 choose a profitable career
Sure, you can study something to get a high paying job for years, but
1. If you're in the US you will need a lot of money to get a good degree
2. If your first degree is free in your country usually you don't realize this before you have to choose a path

Source: I'm a tired, poor 27 yo NEET, who don't want to work in McDonalds for 15-20years just to save enough money to start my own life.

yeah, yeah, I know I'm a lazy asshole... maybe I am, I don't care anymore

cum2soon
cum2soon

@Evil_kitten
quit whichever job makes less money. use extra time to focus on making yourself more employable. get better job. rinse and repeat.

lostmypassword
lostmypassword

@Sir_Gallonhead
. If you're in the US you will need a lot of money to get a good degree
No one has his/her priorities straight in high school
Wrong. I'm probably more of a poorfag than you are. My mother was a welfare queen with 5 kids. (One I moved out the house she had another one). She was smart enough to move into a rich white neighborhood with amazing education. I got into a top 50 university and had to pay nothing because of financial aid.

RumChicken
RumChicken

@lostmypassword
Oh, that's cool, I'm not familiar with financial aid in the US
I'm from Eastern Europe where you can study for free after high school for 6 years.
I fucked it up by choosing Geography first (dropped out because of those fucking rocks that I just hate now with passion)
and then fucked it up because of my anxiety while I was studying Technical Management.

AwesomeTucker
AwesomeTucker

@Sir_Gallonhead

you will stay poor forever faggot

Boy_vs_Girl
Boy_vs_Girl

@Evil_kitten
how bout you use the last bit of your credit allowance on some bullets and a nice sniper, an hero on live tv after going on a rampage. you can go out on the news n everything too bro

cum2soon
cum2soon

@AwesomeTucker
@AwesomeTucker
you will go to sleep under a motivational poster on your wall
you will wake up to the alarm clock at 6:30 looking at your poster thinking "no pain no gain"
you will go to work and solve problems for rich people
you will save money by cutting your living costs
you will marry your girlfriend because that's what other people do
you will get a divorce when you realize that you're not happy
she will take half of your money and the kids
you still hope that someday you're gonna make it, but you barely save enough money for child support

inb4 I have my own business, don't give up your dreams (((just got a 'small loan of a million dollars' from daddy)))

hairygrape
hairygrape

@cum2soon
Lel OP should ask Trump for a small loan of a million dollars. Trump said it himself, it's small. Also, considering that trump got that money when he had nothing he should be eager to loan 1 million to any high school graduate with nothing. Right guys?

Gigastrength
Gigastrength

@Evil_kitten
i feel for you wagecuck.. I was once like you.. just hang in there and accumulate money till you can live the dream NEET lifestyle

SniperWish
SniperWish

@Gigastrength
you live on someone else's dime, you pathetic fuck. don't give anyone advice.

CouchChiller
CouchChiller

@Evil_kitten
Man, give back the car, the stress can kill you. Not worth it.

VisualMaster
VisualMaster

@SniperWish
salty wagecuck.. i let my money work for me

Boy_vs_Girl
Boy_vs_Girl

@RumChicken
(dropped out because of those fucking rocks that I just hate now with passion)

Lol what rocks? And what EE country are you from, desu senpai?
Last but not least, what is "technical management" where you are from?

Playboyize
Playboyize

@Boy_vs_Girl
Rocks
I had to recognize a few hundred different kind of minerals and their varieties, but they never looked the same

I'm from Hungary.
Technical management: It's a kind of mixed degree (BSc), you learn finance, economic studies, banking & finance law
It's basically general project management with more technical details, for example I learned to draw and read mechanical and design drawings
It's too broad and don't give you specialized skills so it's a useless degree that looks good in your CV when you apply for a bullshit data-entry job.

SniperWish
SniperWish

@SniperWish
LOL
How mad are these normies when they have to work exhausting physical jobs for minimum wage and members of NEET masterrace gets more money, time and fulfillment.

eGremlin
eGremlin

@Evil_kitten
post detailed finances and we can help.

if you dont then we're going to assume you're a retard with shit finances.

eGremlin
eGremlin

@eGremlin
I make $250-$350/wk with my day job and $200-$250/wk with my night job.

My auto insurance is $193/month
My auto loan is $172/month
Rent is $500/month
Phone is $80/month

Fuel is about $600/month
Food is about $400/month

The remaining I'll use for small monthly subscriptions to shit like Pandora as well as music downloads and lottery tickets... that's if I have any money left.

StrangeWizard
StrangeWizard

@eGremlin
Man, to think a couple years ago I was doing well enough because I was still making $400-$500 with my only job and didn't have any debts or shit... just a shitbox that occasionally breaks.

Its no surprise why the newspaper industry has gone to shit with the technology we have these days.

Stupidasole
Stupidasole

@Evil_kitten
this is actually one of the better incentives for getting a gf even though you're a low-test homosexual.

your gf or wife presumably makes some money and cuts your costs in half. Also, spare car on hand assuming she drives.

I used to have roommates for the same reasons, but it's pretty hard to get along with someone in your space if you're not fucking them.

Illusionz
Illusionz

@eGremlin
Fuel is about $600/month
How....How?

Supergrass
Supergrass

@Illusionz
Two delivery jobs.

I drive about 150 miles every day.

Lunatick
Lunatick

@Supergrass
Is it even worth it at that point?

Garbage Can Lid
Garbage Can Lid

@eGremlin
you pay to download music? shit nigga.
I make 150k/year and still download it for free

cum2soon
cum2soon

@Lunatick
I wouldn't be making this thread if it is.

@Garbage Can Lid
Piracy guilt from all the downloading I did in the past.

Actually, I'm just making an attempt in covering my tracks if I'm ever investigated.

massdebater
massdebater

@cum2soon
The thing is, it's what I'm best at, driving around town.

Not to mention how difficult it is for me to find any other job.

iluvmen
iluvmen

@BlogWobbles

So you're living in a cardboard box in Kings Cross?

hairygrape
hairygrape

>>1511004
God, every time I apply at Fastenal they wouldn't contact me and they always seemed to avoid me whenever I try contacting them or they'll bullshit by saying they will look at my application.

I always figured I would do quite well in a production job like that.

Poker_Star
Poker_Star

@cum2soon

dude, you are on welfare and have zero dollars, no drivers license, and nothing going for you....your a loser..just face it.

in your 40's you are going to be some screaming crackhead bum in the street or leech some cockroach filled apartment...you have nothing

Gigastrength
Gigastrength

@Supergrass

You drive for your job and are not reimbursed?

Are you a pizza delivery guy or something?

Uhhhhhhh

RavySnake
RavySnake

@Gigastrength
I deliver pizzas for one job and newspapers for the other.

I do get reimbursed for gas through my pizza job, but it's not much.

Nude_Bikergirl
Nude_Bikergirl

Well it's your own fault if you don't want to better yourself to get a better job

girlDog
girlDog

Working minimum wage isn't the problem. You've got too many bills. Right now you're just going to have to accept your struggle. Personally I'd take out some student loans while working still, and get a degree in a job paying no less than 50k

takes2long
takes2long

@Inmate
You could read "The Millionaire Fastlane"
You will get a picture of you and your bad financial plan.

Playboyize
Playboyize

@Inmate
$500 a week
with your parents
holy FUCK. what cunts.
dude.
move out, get a roomate, find the cheapest place possible and live as cheaply as possible. also, start spending literally 90% of your freetime learning the basics of finance and investing and the various routes of profit from illegal shit to run of the mill start a business crap.

Illusionz
Illusionz

@Poker_Star
damn dude. where the hell did all that disrespect come from?

Harmless_Venom
Harmless_Venom

@Evil_kitten
Modern slavery.
This makes me sad.

Boy_vs_Girl
Boy_vs_Girl

@Illusionz
I thought the same

iluvmen
iluvmen

@VisualMaster
how?

Techpill
Techpill

@Poker_Star
@Illusionz

yeah u salty bitch sup? I work my ass off for a few months, get a bunch of moneys and then spend a few months doing absolutely 100% what I want until I get another interesting contract and go back to it for a few more months.

No boss, more money, more fun, no welfare. I pay taxes and all that shit. So it's your own business if you want to slave away 365 days a year but I don't and so are my NEET friends here.

Just gotta have a proper "job" (good better at something then most), and keep expenses lower than incomes. Keep it up OP, if I were you I'd try to lower my gas-related expenses, damn these are eating most of your budget!

New_Cliche
New_Cliche

@Evil_kitten

SELL THE CAR

QUIT ONE JOB

WHY DOES ANYONE GO INTO DEBT LIKE THIS GOD FUCKIN DAMN

SUCKERS

Crazy_Nice
Crazy_Nice

@Illusionz

no disrespect, just stating the reality of the situation

being rich or getting neetbux

cant have both

SomethingNew
SomethingNew

@Stupidasole

women contribute more money than they want you to spend on them

lol, not often the case boy.

Inmate
Inmate

@TreeEater
How is objectively superior money a meme?

kizzmybutt
kizzmybutt

@cum2soon
being a wagecuck making fun of other wagecucks
eeh

BinaryMan
BinaryMan

@Crazy_Nice
@cum2soon
your a loser..just face it
you are going to be some screaming crackhead bum in the street or leech some cockroach filled apartment...
no disrespect
ANOOON...

Boy_vs_Girl
Boy_vs_Girl

@Evil_kitten
I know your feel OP.

I work two jobs too and have no choice but to pay rent and other bullshit. Don't have the luxury of living with my parents to save money. And recently got fucked over this weekend by a predator towing company after leaving my car in front of a bar and ubering it home.

I have allot of credit card debt and use to have a gambling problem too (texas holdem) but you just have to stick to your guns. Just write up a spread sheet and start cutting unnecessary expense's ( pandora , spotify, etc.)
And I use to spend allot on gas commuting to two jobs too. I recently change my schedule around and live closer to one job so it did save me some money. I use to spend 260 on gas, now i spend 100$.
Just take baby steps and try to stick to your budget. It's fuckin hard and depressing but at least your self aware of your situation.

BlogWobbles
BlogWobbles

@Boy_vs_Girl
You need to rethink your life bro.

Fuzzy_Logic
Fuzzy_Logic

@Bidwell

You can bike in the winter you massive pussy. I've biked in sub zero temperatures, on refrozen melt, on snow, in falling snow, even in blizzard conditions. Grow a pair of nuts you homosexual fruit basket.

Soft_member
Soft_member

@SniperWish

KEK! :d

Crazy_Nice
Crazy_Nice

@Boy_vs_Girl
Thanks user

I'm not getting rid of Pandora because I'm still only paying $3.99/month for it.

If I unsubscribe and ever want Pandora One again, I would have to pay the current $4.99 subscription.

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