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14543899 No.14543899 [Reply] [Original]

So to preface this, I’m a fucking moron. Not low iq or anything but I’m a lazy dumb shit who has squandered ten years of my life for 35k a year. I’m also in a small amount of debt. Looking for any advice on how to escape this hole I’ve dug for myself.
>29
>ten years at a restaurant making 17 bucks an hour
>7 grand in credit card debt due to reckless spending
>rent is 670 a month for my half
>spend 50 bucks a week on alcohol
>30 on nicotine
>30 on gas
>60 on food
>ten bucks a month on entertainment
>350 a month on debt payments
>25 a week on tolls
I never go out, I cook at home, I got rid of cable, Netflix, Xbox etc to save some more and I pay everything on time but I’m gunna be stuck like this for at least three more years paying off debt. I also dropped out of college but paid off that debt pretty quickly.
Any advice on how to get the fuck out of this?

>> No.14543931

>>14543899
Get in a time machine

>> No.14543941

>>14543899
Buy BSV

>> No.14543961

>50 per week on alchohol
Its time to start buying the plastic jugs of bottom shelf vodka buddy. Thats too much money wasted

>> No.14543976

>>14543899
holy shit this sounds like a depressing life

>> No.14543986

any way to cut down gas and tolls? take bus or train instead?

>> No.14543998

1) Start doing a couple hours of week via gig economy (uber, food delivery, etc)

2) Pay off that CC debt as fast as possible because it's high interest

3) Cut out alcohol or buy cheaper shit. $50 is way too much.

That's what I'd do in your shoes. Never been in debt but gig economy seems like a great way to get out without doing some stupid shit like investing in a volatile coin.

>> No.14544032

Get a higher paying job and or work more hours .
Pay off credit card then get rid of it. Don’t drink and don’t smoke (cut off one at a time because a normie like you can’t handle getting rid of both at the same time. Pay off debts then when you are completely debt free to invest into crypto or stock market and then save and buy a house.

>> No.14544041

Go back to trade school. Learn to become a plumber, carpenter, woodsman. Learn a damn trade these are in high demand. You will double your Salary and have a union pension.

>> No.14544051

>>14543998
Yeah I’ve been thinking about uber to help with the strain. A second job would be hell

>> No.14544055

40 hours of work is a guideline, not a requirement. Sounds like you need to pull some 60s to get out of it. It’s not that bad. I’ve instructed all my friends to ask me about my second job if I ever complain about money.

>> No.14544067

>>14543899
Cut out alcohol and nicotine, pay down that credit card debt before you get hit with interest, if you already are getting hit then do a balance transfer.

If you live somewhere with public transport get rid of your car, the insurance gas tolls and parking are not worth.

Look for a new job, minimum wage where I am is 15/hr, 17 is nigger tier, pick up a second job if you have to. If you're chained to the food service industry look into bartending, ask around, network.

All it takes is a few months and dedication to turn your life around.

> Anon who paid off 30k in high interest debt and doubled his income in 9 months by doing above

>> No.14544078

>>14544041
What’s the average amount of school time necessary for a trade license in one of those?

>> No.14544108

Stop eating food and spend the $60 on link, vidt and lit instead. If you really need food just go to a homeless shelter.

>> No.14544110

>>14544051
Also look into Doordash or any other delivery service. Pizza delivery usually pays really well if it's busy

>> No.14544112

>>14543976
Yeah it’s all smiles

>> No.14544116

>>14544051
Hell, why? That’s you finding an excuse to not do it. Hell would be my family dying in a car crash, working 15 more hours a week is me doing more than the society norm, but I’d only blame myself for having to do it, not feel sorry for myself

>> No.14544136

>>14544108
Thanks I’ll just metabolize sunlight and photosynthesize my energy

>> No.14544167

>>14544116
No you’re right, I’ve been lazy my whole, just hard to kick the habit when I don’t enjoy anything and don’t see a point in making more money, just know I need to

>> No.14544187

>>14543899
>>14544067
Also 60 a week is not bad but you could easily cut that down, especially if you're working at a restaurant. When I was serving I cut myself back to 1 meal a day which was normally before the dinner rush and was my "lunch" at work. I got cool with the Mexicans who cooked so they would give me bigger servings and save whatever I didn't eat for the next morning. Saved a ton of cash and leaned out pretty nicely.

>> No.14544249

>>14543899
>spend 50 bucks a week on alcohol
what are ya drinkin?

>> No.14544266

>>14544078
18 months to two years. Put in the extra effort and do it at night. Stop being lazy. If u want to change you will. But the fact is the world needs you to be brainwashed so the 10% can live on glory. Up to you if you want to change

>> No.14544272

>>14543941
Honestly this moon shot is your only way out, OP.

>> No.14544296
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14544296

>>14543899

Go learn a trade. Electrician/Plumber/HVAC repair etc. If you don't have a brain, you can at least learn a basic skill that will never be automated away, and pays decently well.

My uncle makes low six-figures as a Journeyman. That includes a lot of overtime, but he is willing to bust his ass to make and save money. Coupled with his military benefits, he has a pretty nice life.

>> No.14544297

Damn dude, how did you end up with 7k personal debt?? Student loan and Real Estate are the only loans people should have

Looks like you have to just push through and do what you can. 2nd job or all-in on bitcoin are the only ways out

>> No.14544323
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14544323

First we need to get that income up. You have 1 job, great get a 2nd one. I don't care if you're delivering pizzas 3 nights a week, you can do this in 10 months.

>> No.14544437

>>14544297
I know next to nothing about crypto, where do I start?

>> No.14544464

>>14544323
I mean I don’t fucking have anything to do outside of work so I might as well. I also live in a big city so there’s room for me to get a second job so I should

>> No.14544482

I would start by taking a deep breath, realizing the normie boat has set sail and its okay that you missed it. We all did. Next if you haven't already, start watching Dave Ramsey videos and his baby steps. Some of his investment advice is ridiculous, but getting everyday people out of debt and back to having an actual life is his thing. The other side of the coin is you flat out need more income. You could get a second job to help pay down the CC debt but really if you want a wife, house and kids you need to get into a new career. Ask yourself this: "What opportunities am I not taking"? Family members have jobs. Friends have jobs. Their friends and family have jobs. Trades have become meme status but they are in need and a good option for people in your exact situation. Apply to unions.

>> No.14544497

>>14544296
Would this work with me already working 40 hours? I don’t know if trade school hours are that flexible

>> No.14544515

>>14544296
>>14543899

This. I've done contract work as a painter and while you will be looked upon as the lowest of the slave class, if you know what you are doing (especially epoxy floors) you can easily make $50-$200/hr.

>> No.14544558

Always wondered, does this pic has an original, inspirational picture?

>> No.14544638
File: 95 KB, 1000x656, 1561978198481.jpg [View same] [iqdb] [saucenao] [google]
14544638

>>14543899
CDL. It sucks, it's hard mentally for normie faggots like you to start...but no rent and no time to spend the 60-70 hrs of money you absolutely earn.

Quit after a year or go local if you like it. With 40-50k saved up after the kikes collect. Good. Way to jumpstart a shitty deadend situation.

>> No.14544659

>>14543899
Anon you have a motivation mixed with income problem. Get a second fucking job, make some more money, do something you're inspired to do. Snowball the cc debt if it's spread out. But seriously, need to up your income. If it means working an extra 20 hours a week so be it, but if you can get out from under that honestly tiny amount of debt you're golden. You'll be surprised how much you can save afterwards. Also look into opening a Roth IRA, I know we all love to LARP as crypto millionaires, but it will be good for you in the long run. Take care brother, things will work out.

>> No.14544666

Two years of college and living in Mississippi, I was making $43/hr. 670/mo is enough to rent an entire fucking house where I am. It sounds like you're getting paid dogshit and paying by offering your ass to the entire fucking synagogue. I want you to be making at least $25/hr. In the meantime you can cut costs significantly on nicotine and booze. Hobowine is not exactly gran cru but I've made some damn good stuff that cost about $6/gallon and clocked in at 10% abv. I've made bearable shit for half that. I vape 2% nicotine for very little, still haven't optimized it because the nicotine oxidizes faster than I can go through it, but again it's so cheap it's not exactly a budget buster.
Sounds like you have the ambition and tenacity, just need the patience now. Don't worry fren, you're going to make it. Even Kek smiles upon you, checked.

>> No.14544775

>>14543899
Ignore everyone who mentions Dave freaking Ramsey. Ignore the Rich Dad Poor Dad bs. Look up the Millionaire Fastlane. There's an entire section on the forums for people like you where there are ideas of how to start from nothing. It's up to you though. If you choose to work and follow the tips they give you will make it out.

>> No.14544886

>>14544666
So should I go the second job route or the trade school route? And I’m watching Dave Ramsey right now and I’m getting motivated, I don’t want to be a poorfag wageslave anymore

>> No.14544907

>>14544775
So many differing opinions on this. Ok I’ll check it out

>> No.14545025

>>14544907
Dave Ramsey is slowlane garbage. You'll understand soon. The Fastlane book is a great read too, but the forums have tons of free info.

>> No.14545059

Im pulling in an extra 1200 a month with uber eats doing a few hours a night. Knocked out my CC debt

https://www.uber.com/signup/drive/deliver/?invite_code=sdxp3281p

>> No.14545117

>>14545059
That's a good idea

>> No.14545161

>>14545059
Really? How many hours and is it every night? Also is this better than regular uber driving?

>> No.14545167

wallow in misery until you die, or dont

>> No.14545185

>>14544886
Whichever you think will net you more money/happiness in the long run. I chose school because I'm too lazy to become a business owner. I dabble in wantrepreneuring now and then at least.

>>14545059
Affiliate marketing is dead bro. I admire your balls but catch up with the times.