I'm always struggling with money as well, but that's student life for you, I guess... I have no debt though, as I've never taken out any loans and I only use my credit card for emergencies. And even that money goes out of my account automatically each month coz I set up a direct debit. I'm still irresponsible with money though, but that's with the money I actually have so I won't end up in debt... usually it just means I end up eating rice and beans a lot towards the end of the month.
money is just another phase humanity is going through. though it is one that threatens to not let us survive to move on to others. before there was money, land was wealth, and before land it was cattle, and before that skill at the hunt and so on. i forsee being able to use tecnology creatively as someday becoming the wealth to replace the whole concept of symbolic value and monetary wealth. if, as a species, we live that long. if, the incentives created by monetary economics don't resault in our so screwing up nature's cycles of renewal we so utterly depend upon that our own species becomes as a resault extinct. =^^= .../\...
The only debt I have is student loans: and its not as bad as some students, but I have always wondered if it is worth it. I should listen to myself instead of doing what my mom wants while racking up more debt other than student loans I have no debt and have no interest in getting credit cards or any of that nonsense.
if someone else wants you to do something you have to indenture yourself for, THEY can damd well pay for it! =^^= .../\...
In my situation, I was living with my boyfriend/fiancee at the time... sure things would work out...then they didn't and I was the only one on the lease so I had to end up paying twice as much as I did before, for everything...and I wasn't smart enough to plan/save for an emergency like that...yep. Used up any thing I DID have in my savings, to pay double the amount I did before... yay.
I work full time already... I thought about getting a weekend job, bartending or something...but I'm not sure yet. I am EASILY overwhelmed when I have too much work to do, and I'm not sure I could mentally handle a second job...maybe, I don't know. The only thing keeping me sane is my little bit of time to myself after work and on the weekends, that I get to spend coloring in chalk on the sidewalk and goofing around with my boyfriend. Oh, and my cat. If I didn't have that time, I'd be under much more stress than I already am... I care more about my mental state, than money, truthfully.
Ah well... I have a neighbour who lives with her mother and she is older than you (30), she has no job and cannot keep one long enough. Her mother only has her pension. They are in many many debts and they don't worry at all. Except the girl worries when she hasn't got cigarettes and doesn't cut down that expense. When she gets money from her bf, she spends it on the most expensive clothes, she lives like a princess for a few days, then they are both back to 'depression.' You're worrying too much, it seems...
did I ever accept your friend request on myspace? Now that I see your picture on here, I realize your from these forums... I may have rejected it, not knowing that... sorry if I did! you can always send me another, and I'll add you now that I know where you're from and all
People are always reluctant to pay off a debt for something they brought home a long time before, and are paying for 6 months later. Whatever it is , you feel like it is allready yours,or maybe it even broke since you bought it, and you haven't even paid for it yet, and it feels strange to be paying for it. Thats the problem with instant gratification with charge cards, and you always buy more than you should, it seems like everythings free because you really have no money on hand, and yet you can take it home. I have never had a credit card, and never will. Money is not to hate, but your management of it can make you sick !!!