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TVsVeryOwn posted:Camwhores. I like you but this and the sports coat thing are dumb as poo poo and poor choices and you already know this since you’re coming to the thread with your tail tucked between your legs. Ask yourself why your response to “feeling bad” is spending money you know you don’t really have and why you can’t wank it to free porn like everyone else.
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Mar 28, 2018 20:41
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Hey, someone has to support the independent entrepreneurs.
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Mar 28, 2018 20:53
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you are a strong candidate for debit card in the freezer
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Mar 29, 2018 00:41
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KYOON GRIFFEY JR posted:you are a strong candidate for debit card in the freezer Yeah seconding this. You are not financially well enough to do stupid retail therapy poo poo like this. If you needed a coat you could have gone to a thrift shop. But you really didn't *need* a coat, did you? Can you return it?
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Mar 29, 2018 00:49
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I probably shouldn't be here mentioning SpankChain should I? Ah what the hell maybe it'll motivate TVVO to not be like me The hell with chaturbate, buy some SpankChain for the future, TVVO https://spankchain.com/products/
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Mar 29, 2018 01:25
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zaurg posted:I probably shouldn't be here mentioning SpankChain should I? gently caress off, people are actually trying in here.
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Mar 29, 2018 01:29
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TVsVeryOwn posted:I bought a sport coat kind of on impulse because I was feeling bad that day. Unfortunately I have to wait for the sleeves to get altered, so I get all the guilt now and the gratification later. $159.61 Canada's taxpayer dollars at work Seriously, you know these were lovely impulse purchases and you almost certainly knew at the time but went ahead and made then anyway. Both purchases massively blew away your total discretionary spending by themselves so you're either not thinking about or sticking to your budget when you spend money or you don't care about climbing out of your debt hole because you'd rather give money to what's probably a loving chatbot while you jerk off  If you can't not make purchases because you can't forget your card number get a new card (or don't) and close the memorised one
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Mar 29, 2018 11:26
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Return or resell anything you can. You haven’t gotten the coat tailored yet, right? Can you like, PM a cam performer and explain that you have a ton of tokens (and I mean a ton) you bought on accident and give her all of them for a PayPal kickback? Or just dispute it with your bank, gently caress. Get yourself banned from chaturbate. That’s probably GWM. Your budget is way too tight for poo poo like this, which you know, and you are heading for disaster (which you also know, but convince yourself isn’t the truth. We’re reminding you.) KYOON GRIFFEY JR posted:you are a strong candidate for debit card in the freezer He tried it on page 1 with a glass jar. I won’t spoil the ending but it’s what you think. Spokes fucked around with this message at 07:53 on Mar 30, 2018 |
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Mar 30, 2018 07:47
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TVsVeryOwn posted:Surprise, I continue to make poor financial decisions! Getting ahead of the bad news this time. Hey why did you do these things? What did you do when you were feeling bad? Did you go walk by a bunch of shops? Was there somewhere else you could have gone instead that wouldn't have tempted you to shop? Were you feeling sad and lonely when you decided to buy the camgirl tokens? Was there a reason you went to that website instead of looking at free porn? When you're feeling lovely it's hard to make good decisions. It's important to make small decisions that put you in a better situation (like walking to a park instead of to High Street). Budgeting for the dentist is a good call. Stop loving it up and make more good calls like that.
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Mar 30, 2018 14:35
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lovely impulse control is a huge factor, especially when you are not doing well, as you've noticed. I have my own mental health stuff going on and during my crappier times my impulse control would always go down. I've definitely made completely wasteful purchases during some of those moments because it felt like gratification was right at my fingertips and clearly I'd feel better after. Surprise surprise, I did not feel better at all once that basic dopamine rush was done, but I was out of that money anyway. It's a really bad return on your investment, if the thing you are looking for is a fix for your mental health. For me personally, two things helped me a lot: Harshly limiting my access to my money and my temptations, and finding other ways to get some gratification that wouldn't drain my bank account. I have to echo the "credit card in the freezer" idea. You clearly have too much access to your money with too much convenience. Remove the convenience so the path from "I wanna buy a thing to feel better" and "oops I bought a thing" isn't short and easy. Make it hard for you to spend money spontaneously. Personally, I used KeePass to generate long and complicated passwords for my Paypal, Google and other stuff because I would spend most of my impulse money online. NEVER use the "remember password" thing. Make it so you have to go to your KeePass program, open the file, and find your password to copypaste or even better, type out. Turn the process of spending money into several clicks/steps instead of just one, and practice active consideration as part of the several step process. "Is this worth typing my long dumb password out for? Can I afford this?" Retail therapy just doesn't work. Period. It's nothing but an empty dopamine boost that ends faster than it takes for you to buy camgirl tokens. Aim for making actually confident, healthy purchases of stuff you get serious mileage out of. Meanwhile, limit your exposure to anything that requires you to spend money willynilly. There are tools for your browsers to block certain sites, for example, if you keep going to specific ones over and over. Don't play F2P videogames because they nickle and dime you everywhere. Do you have hobbies that you enjoy that make you feel gratified? I know this might sound dumb, but have you considered stuff like knitting, papercrafts, heck even coloring a mandala book? None of it is stuff that changes the world but it involves the process of creating something without pressure, and at every step of the way you have progress you can look at and enjoy. It's gratification that gives you way more bang for your buck. Nothing is too silly here - If making silly gifs for SA threads gives you a sense of accomplishment, then do that instead of buying random nonsense. Making things is fun and seeing people laugh because of it is great, and doesn't cost you an extra dime. You can also play stuff like FreeRice to hone your language and trivia knowledge and make your score go up while doing something good for charity. If you are mentally and physically well enough for it, I also strongly recommend volunteer work - Very few things have as much meaning and as low of a barrier of entry as that. Helping out at the local animal shelter, walking dogs or just doing basic things for people in need can go a long way for them AND you. You make great gifs - Maybe offer your services on Fiverr and earn a few extra dollars making cool stuff for people? Just spitballing, but there really are a lot of great ways to keep yourself occupied and to see tangible results that you can feel good about. And whenever you think "I'm poo poo, I can't do anything" or whatever your cognitive distortions look like, you can point yourself at thing X and Y you did and say "nuh uh, I'm actually pretty solid and I can do things". Getting impulse under control when mental health issues are at play can be really hard, but it's absolutely possible. You don't have to be stuck in this cycle of buying poo poo and then feeling guilty about it. Limit your access to your money, and replace those urges with better responses. It will do you a world of good. I can say that from experience. Ritznit fucked around with this message at 23:17 on Apr 6, 2018 |
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Apr 6, 2018 23:15
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Hey, update your thread.
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Apr 24, 2018 01:49
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Extra income: What about tutoring high school kids? Are you a math whiz? Kids (the kid's parents) around here pay big$ for tutoring for SAT/ACT.
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Apr 24, 2018 02:36
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zaurg posted:Extra income: What about tutoring high school kids? Are you a math whiz? Kids (the kid's parents) around here pay big$ for tutoring for SAT/ACT. 
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Apr 24, 2018 02:42
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zaurg posted:Extra income: What about tutoring high school kids? Are you a math whiz? Kids (the kid's parents) around here pay big$ for tutoring for SAT/ACT. 
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Apr 24, 2018 16:31
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Apr 30, 2018 20:05
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hey tvvo-- you need to get a hold of your budget at some point. nobody here is going to insult you because it took you one more month to get on track. your credit card debt is under a thousand dollars. it's a lot to you (and me) but there's people who would give anything to be in that spot. it's never too late to start, or get back on track, or start over. you have great credit and once you handle your debt you can just buy poo poo every month, but you need to buckle down for a couple months. I know it sucks to have done something stupid financially and worry that you'll post about it in your thread and get roasted for it, but we all really do want to see you succeed, and that's the bottom line. You're 24, and if you don't fix it you're going to be 34 or 44 in the same spot. consider that.
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Apr 30, 2018 20:55
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We're not even dicks in this thread, it's not like you're zaurg who has earned every ounce of the ire he eats by doing the same stupid poo poo for decades, accountability is the medicine you take to get financially healthy.
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May 2, 2018 16:10
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If I can turn it around, anyone can, TVVO. Don't give up even if you don't continue the thread. Just budget for the camwhores.
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May 3, 2018 00:35
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zaurg posted:If I can turn it around, anyone can, TVVO. Don't give up even if you don't continue the thread.   
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May 3, 2018 01:29
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zaurg posted:...worthless drivel.... 
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May 3, 2018 05:19
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zaurg posted:If I can turn it around, anyone can, TVVO. Don't give up even if you don't continue the thread. When did you turn it around?
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May 3, 2018 07:33
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Hey let's not poo poo up this thread with rehashing a closed thread. I'm still hoping TVVO will come back with an update.
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May 3, 2018 09:28
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I wanted to come bearing good news, I failed. I've been feeling pretty down since I failed to complete grade 12 English because of some sadbrain stuff. So I'm not taking English 110, or any university credits this semester and I don't think I'm cut out for much academically, at least until I change something. I'm looking at more vocational career paths, like coding or graphic design. On to the reconciliation. Top failures: 1) Spent $137 to start a legal name change process that will likely cost much more and the continued failure to ask for a refund. It's not that I don't want to change, but if I think about it I shouldn't be spending that money yet. 2) Spent $100 on concentrates, $30 on paraphernalia. My mom was getting sick of subsidizing my habit completely and my dog ate my vape charger so I had to replace that since I hate hitting the banger. I probably should quit, but I want to get a bit more of a support network around me before I do. 3) Didn't stop dining out to pay for 2) 4) Didn't start saving for oral health. March:   Not pictured: Net: -$339.34 April:   Overall snapshot 2018-05-08:  I don't really have a plan for this month. Phone bill is already paid. The plan should probably be to pay $250 against my debt, go to Magic this Friday and then leave my debit card at home for the rest of the month.
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May 9, 2018 03:20
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So make a plan for this month. You’re not in serious trouble yet but you’re getting there. Even if it’s just what you’re going to do over the next 20 days it’s better than nothing. Put it in ynab and do your best to follow it
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May 9, 2018 04:08
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TVsVeryOwn posted:I wanted to come bearing good news, I failed. I've been feeling pretty down since I failed to complete grade 12 English because of some sadbrain stuff. So I'm not taking English 110, or any university credits this semester and I don't think I'm cut out for much academically, at least until I change something. I'm looking at more vocational career paths, like coding or graphic design. Oh yeah man, you definitely can't do anything with bullshit skills like coding. I mean, you might eke out a living but everyone knows the real money goes to people who can get a bachelor's degree in English. Might as well pack it in!
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May 9, 2018 06:12
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Also going into coding via the vocational route (so, like, bootcamps or self-teaching) can be pretty rough. You don't have to get a CS degree to break into programming, but it's definitely the safer, more straightforward route. In particular, while the basics of programming are pretty easy, there's a Cliff of Frustration at the intermediate level, when you go from tiny little toy projects to something that resembles Actually Building Software that generally breaks people's brains for a while, the complexity is just hard to hold in your head.
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May 9, 2018 15:18
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TVsVeryOwn posted:I wanted to come bearing good news, I failed. I've been feeling pretty down since I failed to complete grade 12 English because of some sadbrain stuff. So I'm not taking English 110, or any university credits this semester and I don't think I'm cut out for much academically, at least until I change something. I'm looking at more vocational career paths, like coding or graphic design. If you feel you're not cut out for academics because you can't complete grade 12 English, I'm not really sure paying 10k for an 80 hr/week, 6- or 10-week schedule where your success relies on your ability to self-motivate is really the best approach to take. But I'm not sure how trade schools work in Canada, so if they pay for it and have real trade schools up north, it might be better than not doing it?
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May 19, 2018 20:32
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I can't speak for the educational stuff but you are spending way to much goddamn money eating out on your income. I worked on essentially the same budget for years and it sucks a lot of rear end and requires heaps of self discipline to maintain. You're going to need to go pretty much go zero credit line and figure out a maximum spending budget per day for real essentials. Just roughly eyeballing you're looking at $8/day food and $3/day to bank for discretionary funding after basic essentials. I'm not even going to touch on your THC use, just gonna generally suggest you keep on keeping a line item on that and keep it under control. Spending is a bit high in this category. You really really don't have the income to sustain revolving debt especially with your very obvious impulse control issues. That being said, incremental gains are still gains. Organize a very specific and measurable path towards financial success! EG: "I will save $25/wk at a rate of X/day for an ultimate goal of $1000. This goal will take Z months. The reward is ~sweet jacket~ and the punishment for not fulfilling this is selling *precious item I already impulse bought*" Quantifiable, measurable, and realistic timelines and goals. Even if it's smaller than what I'm exampling above, this kind of mentality really helps moving forward. I would also encourage you to continue with your education until you find something that sparks your interest. Learning can be hard and a challenge. However, it is its own reward. Something that was pointed out in a course I took recently was that the grade isn't a judgement of you. It's a test of how much you've invested in learning. Separate your feelings of inadequacy and recrimination from the reality of the situation. It's just school. You're there to learn. If you didn't learn the subject matter well? That's okay. You can always try again. When you come out the other side with a working knowledge, even if you scored B on a test having given it your absolute best? Well that'll be a good feeling because you did it and only you held yourself to the challenge. Lastly: for fucks sake. Camgirls are like the absolute worst way to get your rocks off. This line item you should be ashamed of yourself over. Don't do it again.
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May 23, 2018 04:14
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Hey, TVVO -- was thinking about your situation this morning for some reason. How'd May finish up? Now would be a good time to put together a June budget!
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Jun 1, 2018 17:23
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Hey, TVVO, how's it going? Did you end up making a June plan? How're the credit cards doing? Have you tried the earlier suggestion of getting them reissued so you can't use them by memory?
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Jun 12, 2018 04:49
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TVVO I know it's been a little bit but it's never too late to come back to the fray and post an update. We've all been there, we've all slipped, we've all made mistakes (and if not, we'd like to hear about it also!)
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Aug 10, 2018 14:27
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Everything is awful. Still no job. Had a trial shift, an interview and actually worked 5.5 hours (3 different employers). Still spending more than I earn. Added a grand of debt on some VJ stuff, a stick of memory and other garbage. Failed to properly pay debts and paid overage penalties. My mom's been off work for medical since July. I don't get to play Magic this weekend ($25 Modern win a box), or tonight.
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Nov 9, 2018 23:25
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Left out starting vaping nicotine while I was wallowing in my BWM.
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Nov 9, 2018 23:42
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Nov 9, 2018 23:46
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Do you have any interest in turning things around?
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Nov 10, 2018 00:18
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Spokes posted:Do you have any interest in turning things around? Yes. It doesn't seem like have any other options. I can tell I'm close to the edge and I'm scared.
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Nov 10, 2018 00:22
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TVsVeryOwn posted:Still spending more than I earn. Post your resume here. What jobs are you applying for this week?
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Nov 11, 2018 01:37
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post your current financial situation and your budget for the rest of november. You said "added a grand of debt", this is more than doubling the debt listed on page 1! it's cool that you're looking for work and I'm sure you'll succeed given enough time and effort. You mentioned modern MtG-- if you have a modern deck right now, you have to sell it. Sorry, I don't make the rules. You need to stem the bleeding. and stop (spending money on) vaping, what the gently caress? and stop using your credit card, period, whatever's required for that.
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Nov 11, 2018 02:34
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moana posted:Cut up your loving credit cards, boom, no more magic free money for you to spend. There are people who can use credit responsibly, and then there is you.  I did end up going to the Magic thing (the organizer took sealed product I had kicking around the house as entry). There I got a lead on a job with these folks: https://www.dhc.bc.ca/ Entry level, on the job training, they just really want long term hires. There's also this posting https://kootenay.jobs/job/nelson-ci...qpFxVoZxchyUBJs but the folks at Kootenay Career Development Society (I have a really hard time staying motivated to keep looking for work, they kinda barely help) didn't see me as capable of this kind of work. The two women currently handling my case are assigned to people with disabilities. I've asked to speak with one of their colleagues who deals with normals. I've been applying for trained monkey jobs (dishwasher, janitor) and not getting them. Maybe if I think a little more highly of myself others will too.
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Nov 12, 2018 04:32
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Spokes posted:post your current financial situation and your budget for the rest of november. You said "added a grand of debt", this is more than doubling the debt listed on page 1! Debts: CC #1: $992.86 CC #2: $998.00 Phone bill: $22.74 (paid my normal bill amount, forgot I had extra usage charges last month) I upgraded to full Adobe CC with the student deal. I'm paying for that month to month and I'm currently in arrears to them: ~$30 I partied with some people this weekend and the weekend before Halloween, they want me to pitch if I'm gonna party: at least $20 Assets: Chequing: $3.75
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Nov 12, 2018 04:45
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