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tommy93
Stranger
Registered: 01/10/14
Posts: 6
Last seen: 10 years, 19 days
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i'm 20 years old, there is -$95 in my bank account
#19399269 - 01/10/14 01:52 PM (10 years, 20 days ago) |
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basically i've been in debt for a year almost regarding my phone bill. i've struggled to find permanent work so it's very hard to pay it off. i've already got a bad credit rating, which i don't think is a bad thing considering it will most likely lead to more and more debt, but i do need a car of my own.
anyone else being in this situation where you have absolutely nothing to your name and have had minus funds into your account due to the credit company taking money out of it?
aside from not having money, i am a pretty happy guy 
just wanted ur opinions, cheers guys
Edited by tommy93 (01/10/14 01:59 PM)
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livenotonevil
Registered: 01/20/10
Posts: 1,209
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Re: i'm 20 years old, there is -$95 in my bank account [Re: tommy93]
#19399332 - 01/10/14 02:06 PM (10 years, 20 days ago) |
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It always makes me laugh when someone says "I have huge debts" and in the same sentence says, "I have said object that is totally unnecessary."
You can't hold a job but you own a phone.
Guess to stay relevant I should answer the one question you actually posted. Yes I have had creditors attempt to garnish wages. I stopped spending money I didn't have and payed of my debt.
-------------------- It is without question that the war on drugs is a failure. It has failed to prevent drug abuse. It has failed to keep drugs out of the hands of addicts. It has failed to stop drug overdoses. It has failed to keep drugs away from teenagers. It has failed to stop the violence associated with drug trafficking. It has failed to help drug addicts get treatment. It has failed to prevent the cultivation of marijuana and the making of illicit drugs. It has failed to halt the flow of illegal drugs into the United States.
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ManianFH
living in perverty


Registered: 07/06/04
Posts: 14,741
Last seen: 1 day, 14 hours
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Re: i'm 20 years old, there is -$95 in my bank account [Re: tommy93]
#19400489 - 01/10/14 06:07 PM (10 years, 20 days ago) |
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Keep looking for a job dude. Once u find one your $95 debt should go away. Youre ok just dont go maxing out any credit cards or anything. Buy a bike until youve saved up enough for a car with ur job. And make sure u have insurance!!
-------------------- notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... " ChrisWho said: "It's all about the journey, not the destination."
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infected_2

Registered: 08/09/11
Posts: 844
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Re: i'm 20 years old, there is -$95 in my bank account [Re: ManianFH]
#19403651 - 01/11/14 12:36 PM (10 years, 19 days ago) |
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If you're unemployed and it's the late/non-payment chargs speak with the company and see if they can be frozen. Get financial advice from local sources. In the UK we have the Citizens Advice.
With no income it's certain you'll never be able to pay the late fees let alone the actual bill. You'll be in a spiralling debt.
Phone the Co. and say you need to cancel the contract, if you haven't already. They'll likely want to keep your custom incase you do start working again. Try and agree that the debt and contract is frozen until you are back in work.
How much is your actual phone worth? Sell it to cover the debt. My phone costs me £5 a month and the handset was £10. Even though I have an ok fulltime job I keep that cost to the bare minimum.
If you've no job or savings then you can't afford such luxuries. Get rid of anything that isn't completely vital.
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memes
Blessed



Registered: 01/11/05
Posts: 27,785
Loc: In a Tree
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Re: i'm 20 years old, there is -$95 in my bank account [Re: infected_2]
#19404125 - 01/11/14 02:26 PM (10 years, 19 days ago) |
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I would be so happy to have $95 debt.
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infected_2

Registered: 08/09/11
Posts: 844
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Re: i'm 20 years old, there is -$95 in my bank account [Re: memes]
#19405276 - 01/11/14 06:52 PM (10 years, 19 days ago) |
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My debt currently stands at about £20,000...
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GoldenEye
...



Registered: 05/24/13
Posts: 4,340
Loc: Amsterdam
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Re: i'm 20 years old, there is -$95 in my bank account [Re: infected_2]
#19405308 - 01/11/14 07:01 PM (10 years, 19 days ago) |
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95 dollars is nothing dude. Don't do silly things and don't give up on the job hunt.
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tommy93
Stranger
Registered: 01/10/14
Posts: 6
Last seen: 10 years, 19 days
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Re: i'm 20 years old, there is -$95 in my bank account [Re: infected_2]
#19406894 - 01/12/14 04:44 AM (10 years, 19 days ago) |
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jesus man, what is it for?
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tommy93
Stranger
Registered: 01/10/14
Posts: 6
Last seen: 10 years, 19 days
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Re: i'm 20 years old, there is -$95 in my bank account [Re: infected_2]
#19406907 - 01/12/14 04:49 AM (10 years, 19 days ago) |
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Quote:
infected_2 said: My debt currently stands at about £20,000...
jesus man, what is it for?
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memes
Blessed



Registered: 01/11/05
Posts: 27,785
Loc: In a Tree
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Re: i'm 20 years old, there is -$95 in my bank account [Re: tommy93]
#19407072 - 01/12/14 06:27 AM (10 years, 19 days ago) |
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Quote:
tommy93 said: jesus man, what is it for?
$30,000 student loan $4,000 credit card
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infected_2

Registered: 08/09/11
Posts: 844
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Re: i'm 20 years old, there is -$95 in my bank account [Re: memes]
#19407216 - 01/12/14 07:34 AM (10 years, 19 days ago) |
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Student loans. Grows at about £1k a year. I currently pay off about £0 each year because I don't earn enough. But I think it gets written off when I turn 65.
Even as an experienced graduate in a technical role for a huge international professional services firm in which i'm going way above what's expected of my I can't justify much more than the min wage.
Hard times dude.
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Nymphaea
Money-less Wanderer



Registered: 04/16/09
Posts: 2,057
Loc: Mitten
Last seen: 2 days, 13 hours
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Re: i'm 20 years old, there is -$95 in my bank account [Re: infected_2]
#19413081 - 01/13/14 04:06 PM (10 years, 17 days ago) |
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Do not go to College, you will just get into a huge debt that takes 15+ years to pay back.
Start a business - once you have an idea just make a business plan and start shopping it around (send it to me cause I might want to invest)
- instead of starting a business you could raise capital to build an Earthship and then sell it for profit.
Invest in small business start ups (hopefully some people you know have awesome ideas and want to make them a reality)
Grow your own food - here's a ton of good information including how to make your own organic pesticide https://docs.google.com/document/d/1uz8DlKlsiZMQUGEloBLXWjYcfyIEHYM8q4wY8Lfv1k4/edit?usp=sharing
make your household items your self so you save money in the long run and don't have to run to the store all the time. This will show you how to do that: https://docs.google.com/document/d/1tyo8qUXkDRxmObpMw8OOsrgYM4K1YBD8SyfL-T3me7g/edit?usp=sharing
Do everything you have to do cheaper
Do not spend money
Get food benefits
Sell shit on craigslist, buy stuff that's priced way to low so you can resell it.
Make shit to sell at flea markets and garage sales and retail stores (you never know which store might buy out your homemade product, most likely an open minded store).
--------------------
Plant Trees
Edited by Nymphaea (01/13/14 04:11 PM)
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Asante
Mage


Registered: 02/06/02
Posts: 86,795
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Re: i'm 20 years old, there is -$95 in my bank account [Re: tommy93]
#19417078 - 01/14/14 12:07 PM (10 years, 16 days ago) |
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Do you smoke weed?
-------------------- Omnicyclion.org higher knowledge starts here
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memes
Blessed



Registered: 01/11/05
Posts: 27,785
Loc: In a Tree
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Re: i'm 20 years old, there is -$95 in my bank account [Re: Asante]
#19417866 - 01/14/14 03:23 PM (10 years, 16 days ago) |
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Quote:
Wiccan_Seeker said: Do you smoke weed?
good question.
Shit will KILLLLL your finances if you're any shade of habitual in your smoking routines
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4nik8
I am I Am


Registered: 08/18/13
Posts: 255
Last seen: 4 years, 6 months
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Re: i'm 20 years old, there is -$95 in my bank account [Re: memes]
#19417975 - 01/14/14 03:50 PM (10 years, 16 days ago) |
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Don't listen to them about the phone, keep your phone on. No one will hire you if there is no way to contact you. You could try to find odd jobs, go somewhere there are a lot of elderly people and ask around to see if they need help with anything. Mow lawns, pick up dog shit, the list goes on. Hang in there brotha, if you keep trying you will eventually come out of it.
-------------------- A wise man once told me: "don't sweat the small stuff, it's all small stuff"
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Gorlax



Registered: 05/06/08
Posts: 6,695
Last seen: 16 days, 13 hours
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Re: i'm 20 years old, there is -$95 in my bank account [Re: 4nik8] 1
#19421721 - 01/15/14 07:57 AM (10 years, 16 days ago) |
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buy 7g of bud. resell. don't smoke any. continue the process.
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shamanaeusx
Stranger
Registered: 01/20/14
Posts: 1
Last seen: 10 years, 9 days
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Re: i'm 20 years old, there is -$95 in my bank account [Re: tommy93]
#19446094 - 01/20/14 05:24 AM (10 years, 11 days ago) |
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I'm 25 and have $20 to my name lol. Ain't no thing, man. Plus, you're 20. You're an up and comer.
These are just hard times, like dude above said.
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ManianFH
living in perverty


Registered: 07/06/04
Posts: 14,741
Last seen: 1 day, 14 hours
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Re: i'm 20 years old, there is -$95 in my bank account [Re: shamanaeusx]
#19447344 - 01/20/14 12:09 PM (10 years, 10 days ago) |
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Im 32 and got about $7000 to my name. Hahs thats pretty bad
-------------------- notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... " ChrisWho said: "It's all about the journey, not the destination."
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Asante
Mage


Registered: 02/06/02
Posts: 86,795
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Re: i'm 20 years old, there is -$95 in my bank account [Re: ManianFH]
#19451377 - 01/21/14 04:32 AM (10 years, 10 days ago) |
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Quote:
mick said: Im 32 and got about $7000 to my name. Hahs thats pretty bad
If you were an empoverished African, that would have been all the money you'd have earned in your life.
-------------------- Omnicyclion.org higher knowledge starts here
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ManianFH
living in perverty


Registered: 07/06/04
Posts: 14,741
Last seen: 1 day, 14 hours
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Re: i'm 20 years old, there is -$95 in my bank account [Re: Asante]
#19452389 - 01/21/14 11:32 AM (10 years, 9 days ago) |
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Quote:
Wiccan_Seeker said:
Quote:
mick said: Im 32 and got about $7000 to my name. Hahs thats pretty bad
If you were an empoverished African, that would have been all the money you'd have earned in your life.
I hear you, and am super grateful to have this life. But still, in this society, where i live, 7000$ is about 3 months of living. Most of that goes to rent, utilities and food. Just shows that when you retire if youre american $1,000,000 is questionably adequate unless youre a homeowner as well.
-------------------- notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... " ChrisWho said: "It's all about the journey, not the destination."
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PDU
travel kid vs.amerika



Registered: 12/03/02
Posts: 10,675
Loc: beautiful BC
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Re: i'm 20 years old, there is -$95 in my bank account [Re: ManianFH]
#19452416 - 01/21/14 11:38 AM (10 years, 9 days ago) |
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Quote:
mick said: $1,000,000 is questionably adequate unless youre a homeowner as well.
$1,000,000 + A home is my understanding of what is required for retirement. I hear this figure on the news all the time (in Canada)
Becoming expat can stretch less funds.
-------------------- GO OUTSIDE.
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belly369745
Stranger
Registered: 02/06/14
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Last seen: 9 years, 10 months
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Re: i'm 20 years old, there is -$95 in my bank account [Re: PDU]
#19528662 - 02/06/14 01:32 AM (9 years, 11 months ago) |
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Just work hard man..and use your brain because only hard work does not pay..its smart hard work which pays...best of luck for your future.
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ShiVersblood
VAmPiRES HELLA ❤



Registered: 08/18/07
Posts: 115,620
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Re: i'm 20 years old, there is -$95 in my bank account [Re: belly369745]
#19634558 - 03/01/14 12:10 PM (9 years, 10 months ago) |
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Minus funds really make m angry. I been trying to save up money in my savings account.
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ElPtoDeStaMaria
Stranger

Registered: 03/01/14
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Last seen: 7 years, 1 month
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Re: i'm 20 years old, there is -$95 in my bank account [Re: ShiVersblood]
#19635588 - 03/01/14 04:07 PM (9 years, 10 months ago) |
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wow thank god for spain in collage im sorry but over here a year of the most diffcult career is around 1.2k a year...and they complain about it.
find a job and keep at it.wait tables jesus i worked as a bouncy castle monitor 40 euros for 4 hours.Im making 6.6 euros an hour waiting tables its a piece of shit but its good just to keep you afloat.makes you want to study and find something 20x harder
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D-App
Sir



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Posts: 382
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Re: i'm 20 years old, there is -$95 in my bank account [Re: ElPtoDeStaMaria]
#19655195 - 03/05/14 02:55 PM (9 years, 10 months ago) |
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You're only 20 man you've got a long life ahead of you. I'm the same age and I'm pretty broke myself due to school. Just don't worry about it, find a job or two, or if that isn't working out go to school!
--------------------
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ShiVersblood
VAmPiRES HELLA ❤



Registered: 08/18/07
Posts: 115,620
Loc: United States of America
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Re: i'm 20 years old, there is -$95 in my bank account [Re: D-App]
#19656058 - 03/05/14 05:46 PM (9 years, 10 months ago) |
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I work for minnimum wage, part time. Its hard earning alot of money.
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