I pay for every thing I do when I do it & Dont Charge anything unless it is a Emergency!
Credit cards are a Double Edged Sword, Nice to have but can F-you up if you Mistreat it!

 

probably has roomates or an efficiency

i made 1100 a month at pep boys making 8 dollars an hour, your bills are only 650 a month that would leave you 450 to eat and bs with , dont act like rent is 800 and your note is 450

 

avg good week is 50 hrs, but i ddint mention this before... im in contracting... no inside jobs + rain = go the hell home... it's suposed to rain the enxt 3 days here... fun fun ..... which means i wont get **** for hours... again

 

so then you need a more consistent job. if you can't afford to not be working, then you shouldn't have a job where there's a very high possibility of not getting the hours you need.

how much do you make per hour?

 

Thirty-six years of back breaking labor,sacrifice,and doing without.

 

First of all son, you got to break the law. That law is the fact that you spent more than you earn. It's to simple ? No it's the pure reality. It took myself a long time just to accept that simple verity.

Secondly, your current payrate, debts, are all the RESULTS of your PASTS thoughts and actions.

So how much do you think you worth ? Begin TODAY by changing your thoughts, words and actions. STOP saying you're in debts, cause you'll be in debts forever.

Also, VISUALISATION is a powerfull process. Visualise yourself richer and richer, visualise money coming, speak words of prosperity.

Seems too metaphysical (or spiritual) for you ? Let me say that matter is composed of 98% empty "spiritual" potential substance. Yeah the life is pure potentiality. What we see (matter) is the tip of the iceberg. It can all be changed by yourself.

Again, your current life is not the present one, but only the result of the past. Analyse today what was wrong, keep your head up, trust yourself, have faith in yourself, imagine what you would like to do (or have) later, and you'll be there faster than you might think.

Also, the richest people are usualy the one that use some leverage effects. You don't have to work "hard" 12 hours a day to be rich.

Hope this help

 

same here.

a credit card is GREAT if you use it properly. it's a great way to get your credit score up, and if you're responsible with it and pay your bill on time every month, it shows lenders that you're not a high risk. a few rules i follow religiously with credit cards:

1) NEVER buy something on a credit card that you can't afford to pay right then and there without it. That's good for nothing but racking up debt.
2) ALWAYS pay your bill on time, and in full. this goes with rule #1. If you can't afford to pay your bill in full, then you shouldn't have put whatever you bought on your credit card. (doesn't apply to absolute emergencies when there's no way around it. stage 2 is not an emergency )
3) NEVER go over 30% of your limit. after carefully monitoring my credit score for about a year, i realized that if you go over 30% of your limit it negatively affects your score. lenders want to see that you have high credit but don't linger near your limits every month.

 

Ita all a matter of money mangement! I dont make much at all yet I have a SS/SC in my own name, I pay the payment, insurance, for gas, for mods, I pay for everything. Bare in mind I do still live at home while I am in college which helps out a TON! If I made 15$ an hour I could be driving a much nicer car than what I have and no, I am not joking. My credit score is great for my age but I worked my ass off to make it that way. I have ONE credit card and that would be a bestbuy card.

I just did the math and I think you might be a little confused or something. If you work 50+ hours a week at 15$ an hour that is 3000$ a month before taxes. Which I think is plenty of money to cover 650 a month unless you are getting RAPED with taxes!

Mike

 

Good advices )

 

<-------23 year old mechanical engineer $35/hour

 

I dunno....I'm a GM Tech. at 20 bux an hour........with your bills you should be doing alright....just need to set up a budget I guess

 

i just saw that you average 15/hour. you're doing something WAY wrong if you are broke and have relatively no bills.

if it's a concern, which i would guess it is since you posted about it, i would seriously look at your spending habits. try this, though it sucks and may seem cheesy.

make a quick spreadsheet in excel, or buy a little pocket notebook, or something like that. write down EVERY SINGLE thing you buy for one month, or spend money on. every single thing. if you buy a pack of gum for 50 cents, put it in the notebook. at the end of the month, you can see how much money you pissed away and what you could have saved. you will see what you can do different.

 

sucks for you man.. i only work 3 days a week. 4 to 6 hours a night. and i am makin anywhere from 500 to 800 an hour. the dj life it tis for me..

 

wtf? I make $9 an hour and have no trouble paying my bills or modding my car. Live within your means man. Look at your sig you are selling a ps3... You wonder where the money went? I'm sure that is one of many items you blew it on. Put myself through school no aid or loans with a masters too on my income. Still work the job because $9 is enough for anything when you are single and it isn't stressful. If you need more money take some money management classes.

If you are married with kids that is a different story. but you make $15 anyway so even with a kid you should have extra...

 

Man am i glad i have job security in the Army. Get paid a decent salary, plus other benefits. Best part is that I technically don't pay rent, thank you government housing.

 

Did you just say you have a masters and make 9$ an hour??



Mike

 

dam dude, i work 3 jobs, right now, but the way i bought my car was smart, i asked my dad to lend me the money for the car, since hes got it, so he went to the bank got the check and bought it in full, i pay him back no and no intrest, but i give her 500 bucks a week for the car, well for the summer, winter time about 400-500 a month, i bring home maybe 700-800 somtimes a grand cash for a week, im only 18, but i love pushing it and making money, ive been doing this since i was very young making money and saving, and ever since i wanted a car at the age of 12 i saved for one and look, i got one, but find another part time job is anything

 

Yeah, degrees don't really mean that much sometimes. Unless I got my phd my masters means nothing and sadly I can't afford the time and money to finish. I looked at the market a long time and decided I was happy where I am. I have a nice inheritance coming eventually. Also, am in line to take over the business I am at... that makes it worthwhile. It isn't as simple as you have a degree now you get more money. You have to take a lot of stuff into account. Cost of living vs salary... benefits... then you are overqualified for a lot of stuff... or you find companies want you to start out really low even though you have 10 years work experience and a degree.

Frankly, I'll keep working for 9 rather than be insulted by only getting 12-15 with all my skill and experience somewhere else. Point is that it is enough to live on if you manage it right and live in the proper area for your income.

 

Hookers make at least 100 bucks an hour

 

Keep that deal as long as you can ...

Masters in what?

 

Right on man I wasnt trying to put you down, I was just under informed. It sounds like your doing well and have it all planed out. Good Luck!

Mike