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/biz/ - Business & Finance

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File: 121 KB, 1657x678, Diaryofaforeverpoor.jpg [View same] [iqdb] [saucenao] [google]
15743173 No.15743173 [Reply] [Original]

This is the last 2 years of my balance.

The spike represents my severance pay for losing my job. That is the most money I ever had at one time but it immediately went towards bills that were owed from that negative swing

Roast me

>> No.15743182

>>15743173
lmao I didn't reverse the data

>> No.15743201
File: 114 KB, 1624x486, thatlastdigitonthexthough.jpg [View same] [iqdb] [saucenao] [google]
15743201

>> No.15743203

>>15743173
what are you spending it all on?

>> No.15743216

>>15743203
3/day unironic Monster Ultra habit
Weed
Fast food

>> No.15743223

>>15743173
>roast me
You're more intelligent than 99% of the board. You think niggas here actually do any tracking and analysis? I don't either, fuck.

>> No.15743236

>>15743223
>tracking
I just downloaded my transaction history from my bank. Sucks they only let me go 750 days back

>> No.15743254

>>15743203
Oh and multiple credit card payments

>> No.15743287
File: 118 KB, 540x494, 1537684982315.jpg [View same] [iqdb] [saucenao] [google]
15743287

>>15743173
>>15743201
Meh, it's not that bad really. The most amount of money I've ever managed to save was only about 3.5k. But then I spent it all on a girl who later dumped me, and since then, up until recently, I just spent lots of the money I was making on weed and food.

>>15743216
I'd suggest giving up weed, since it does chew up a lot of your money. I've spent tens of thousands on it over the years. I'm glad I quit smoking it earlier this year. Same with fast food; making your own meals at home is cheaper and healthier.

And it's not even that hard to cook a decent, cheap meal. Just buy some vegetables, stir-fry them in a frying pan, put it on a plate with some boiled rice or potatoes, add a bit of whatever kind of meat you like (which you can simply cook on a pan in the oven), then eat it. It only takes around 25-40 minutes and doesn't cost much.

>> No.15743331

>>15743287
I've always had a spending problem and my 20's have put my about 20k in random debt. I was lucky enough to get a good job in March and have been trying to climb my way back up but it's a matter of just doing what you say and forming those better habits. 3k to weed alone from that one ATM

>> No.15743364
File: 482 KB, 1242x1710, 875F7C47-7062-4384-BB21-EACD908C8A11.jpg [View same] [iqdb] [saucenao] [google]
15743364

my net worth since starting my first job in 2016 with a net worth of only $1,000.

>> No.15743404

>>15743364
I played the fool during the great crypto winter and wound up with nothing to show for $600 entered in

>> No.15743421

>>15743364
You need to do better. I started a 401k at the same time in 2016 and just that is worth 100k. My other assets combined are another 200k and I've been working full time only since 2014. Man up and get a better job. Get hungry.

>> No.15743431

>>15743216
Bro what the fuck

>> No.15743432

>>15743364
>>15743404
the pic doesn’t show any of my crypto gains - just wage cucking

>> No.15743441

>>15743432
How do you double your worth in one go wagecucking?

>> No.15743450

>>15743441
year end bonuses

>> No.15743457
File: 396 KB, 450x659, 1541410607944.png [View same] [iqdb] [saucenao] [google]
15743457

>>15743331
>I've always had a spending problem
I can relate to that. I often just buy random shit and don't do any budgeting. It's only been recently that I've started thinking more about my future and the things I want to achieve with my money. But at least you're aware of your problem. The next step is to identify a solution, then enact it. Being disciplined enough to not be frivolous with purchases is another good trait to learn.

>my 20's have put my about 20k in random debt
I've got a similar amount of debt too, but it's not actually that much when you put it into perspective. I've met people before who are hundreds of thousands of dollars in debt. 20k can be paid off in less than 5 years without even really trying all that hard.

Just try to be more sagacious anon. It's not an overnight thing, but you can get into the habit of being more prudent with your money over time.

>> No.15743458

>>15743450
lmao

>> No.15743462

>>15743421
age?

>> No.15743466

>>15743173
How do I short you?

>> No.15743477
File: 310 KB, 427x576, 1547317336751.png [View same] [iqdb] [saucenao] [google]
15743477

>>15743457
Thanks for the whitepill friend. Best of luck to you

>> No.15743483

>>15743216
>Weed
how much weed do you smoke, and what are you buying by? I bought a quarter pound at the beginning of the year for 200 dollars and I've still got a bit more than half.

>> No.15743506

>>15743483
It's almost like I treat it as a filler, I live in a recreational state so buying it became part of my 'routine'. I buy at an 1/8th a time for 35-40 which lasts from 3-4 days, or Saturday/Sunday.

Maybe I should go the monster jar route and buy more in on sitting. I'm a retard though and fall for the 'this will be the last time' buy a quarter of the time

>> No.15743527

>>15743506
>I buy at an 1/8th a time for 35-40 which lasts from 3-4 days
You need to smoke less, an eighth should last you at least 2 weeks.

>> No.15743542

>>15743506
>>15743527
Or buy a quality 1g oil cart for 60 bucks. It will last weeks.

>> No.15743544

>>15743527
I've been a daily smoker since I started.. holy shit it's been 7 years now

>> No.15743545

>>15743421
youre not wrong.

tho: my 401k is all ROTH, so the number is post taxes.

ive also been enjoying my money.
every year spending $5k on travel (surprising loved ones with vacations). pay $2600 per mo in rent (nyc), and $1,000 per month DCA into bitcoin

>> No.15743555

>>15743542
This is probably the best option if you want to stick to daily smoking.

>> No.15743773

zzeegyt

>> No.15744021

>>15743506
>>15743527
>>15743542
Comments like these make me think about my 'habit'. I go through ~1oz - 1oz & 1/8th per week. Also one dab cart. I work from 730am - 4/5/6pm and habe weekends off. I toke only after work and all weekend, never during work.
Smoking 10 years now.

>> No.15744048
File: 132 KB, 1200x965, DPmAXUyX0AII2mv.jpg [View same] [iqdb] [saucenao] [google]
15744048

>>15743173
what does the "1488" at the end mean?/ what is the x axis

>> No.15744082

>>15744048
The number of rows instead of dates

>> No.15744133

>>15743216
>spending money on weed
grow your own. I spent about 200 dollar for 2 pounds.

>> No.15745121

h

>> No.15745221

>>15743173
Stop buying coins and options you absolute retard.

>> No.15746343

>>15743527
>an eighth should last you at least 2 weeks.


Maybe if you're 12. I don't even smoke anymore but an eighth for me was at most three days of weed.

>> No.15746419

>>15743216
3 monsters a week isn't breaking the bank. It's probably the weed, i know some people who spend £20 a day on it.

>> No.15746944

>>15746419
>3 monsters a week
Every day