/biz/ - Business & Finance

[Anonymous No.15079908]

Ok biz,

Parents are kicking me out in 90 days, I net $3200 a month with about $1500 in absolute necessary bills. Both credit cards currently maxed out ($300 limit) and no savings.
Average 1 bedroom apartment, in my area is 850/month.
Best methods to control bad spending habits rather than a lobotomy so I can have around $1800 saved for a deposit so I'm not homeless.

[Anonymous No.15079951]

>>15079908
Holy fuck, get some self control anon! No wonder your parents are kicking you out....

[Anonymous No.15079965]

Only you can control your own spending. There is no easy way, and anyone offering one is either lying or looking to rip you off or both.

Set a tight budget and stick to it. Or don't and become homeless and through pain grow up and realize the necessity of the self control you lacked before.

[Anonymous No.15079980]

>>15079908
>300$ limit
Wtf is this card for?

Just make a spreadsheet with all your expense then choose your priorities. Takes like an hour at most

[Anonymous No.15079995]

OP is huge larping faggot
No credit card company is going to give you a $300 limit if you’re netting $3200 a month.

OP unironically probably works at Walmart and doesn’t have a credit card

[Anonymous No.15080008]

>>15079995

They would give you at minimum a 5000-10000 limit

[Anonymous No.15080015]

Step 1: Dont be a low IQ brainlet

[Anonymous No.15080038]

>>15079995
Please tell me where I can get this card, not larping

[Anonymous No.15080072]

>>15080038
I make 15k/year and I have a 5k limit credit card... They all do.

[Anonymous No.15080081]

>>15080072
I've basically applied at all the major companies, I do have a poor credit score from a mixture of unpaid hospital bills and student debt.

[Anonymous No.15080138]

I make 200K a year and have a card with a 2K limit. It is my only CC and it is just for shit that I can't use a debit card for

[Anonymous No.15080141]

Go all in on bustabit

[Anonymous No.15080176]

Give You Need a Budget a try and try and get your life together. There's a good video on YouTube on how to set it up, some guy with a beard it's the top video I believe.

You sound like you shouldn't have any problems paying it off but you need to stop being retarded

[Anonymous No.15080233]

>>15079908
Pay off your credit cards ASAP you fucktard

[Anonymous No.15080253]

How people are shit with money fucking amazes me

Literal NPC's, mindlessly spending based on spoonfed advertisement

[Anonymous No.15080303]

>>15079995
I earn more than that and only have a £250 limit. My salary has gone up since I got the card

[Anonymous No.15080498]

>>15080253
Basically, I have an addictive personality. Too much take out and too many steam games.

[Anonymous No.15080527]

>>15079908
How the fuck do you spend $1500/mo at your parents house? I live in NYC and spend $1100/mo.

[Anonymous No.15080668]

>>15080527
$430 car payment
$250 cellphone bill
$500 child support
$170 car insurance
$70 gas for work
$80 nicotine

[Anonymous No.15080700]

>>15080668
>Car payment
>Child support

OH NO NO NO, AHHHHAHAHAHAHAHABAAHA

[Anonymous No.15080717]

>>15080668
>child
>support
You mean bills for your kid, right? No one actually gets abandoned by their mate and has their child stolen

[Anonymous No.15080738]

>>15080717
No he means he fucked a roastie raw and now he has to live with the consequences until the kid turns 18.

[Anonymous No.15080743]

>>15079908
Btc is king

[Anonymous No.15080753]

>>15080668
>$500 rent
>$90 utilities
>$35 cell phone
>$200 food
>$130 train pass
>$150 misc

[Anonymous No.15080770]

>>15079995
When I fucked my credit and was working on getting back up capital one wouldn't give me a limit over $300 lmao

[Anonymous No.15080776]

>>15079908
How much do you have in the bank?
Also the only way to control your habits is to prioritize the important shit
so for me it's
Most important to least important
>food
>bills
>gym bill
>flight training
>vidya/model collecting/etc
Pretty much prioritize food, bills, and health

[Anonymous No.15080805]

>>15080668
>child support
>$250 cellphone bill
AHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA AND THESE PEOPLE WONDER WHY THEY STAY POOR HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA

[Anonymous No.15080817]

>>15079908
>Both credit cards currently maxed out ($300 limit)

[Anonymous No.15080824]

>>15080738
Basically but I'm halfway done

[Anonymous No.15080856]

>>15080668
Why the fuck is your cell phone bill $250? You should be able to cut that in half by switching plans or providers.

[Anonymous No.15080867]

>>15080856
two brand new phones, unlimited everything from Verizon

[Anonymous No.15080910]

>>15079995
Forreal, I used to make 10 bucks an hour and I got a 6k limit

[Anonymous No.15080938]

>>15080867
Do I have to explain why that’s a dumb move? Figure out a hardship clause or something to get out of the deal. Get yourself a shitty burner phone or something if you don’t won’t be a hobo with a fancy phone.

Also, give up the nicotine. You lost that privilege when you fucked up your money situation.

[Anonymous No.15080994]

>>15080498
You stop eating take out and you go to Walmart for bread, bologna, turkey, Kraft singles, peanut butter, jelly and water. Maybe some OJ or cranberry juice to treat yourself. You feed yourself for two weeks - maybe just get more bread. You probably spend $16+ every two nights with takeout (and that’s the low end assuming it’s mcdonalds/taco bell). $24 for the ingredients I gave you above to feed you for two weeks vs. $16 every two nights (or however much more you’re willing to admit it costs).

[Anonymous No.15081153]

>>15079908
> 90 days
> $3200
Easy solution.
It’s common for leases to start Jan 1st so explain this and buy yourself a little
more time with parents.
Go All in BSV. Bsv will ~10x this year ($1,200 EOY). Only 3-4 months left.
Your $3,200 will be $32k. You will have enough for a $2,500 / month lux apartment vs $850 studio cuck shed. Get the $2.5k lux apartment and invite your parents over. They will be impressed with your /made it/ skills and want to invest in you and furnish your apartment.
Have sex in your lux apartment with different tinder girl every night.
Repeat this process and buy more BSV next year. Buy multi-family house (3+ units) at the end of your lease with BSV gains. Lease the other 2 units and live in one. Pyramid out in real estate and get HELOC like of credit to buy 2nd investment property. Real estate prices will be dropping, keep buying. Once your tenants on the two properties have earned you enough equity pyramid out more, heloc, and get 4x properties. Then 8x then 16x until comfy. Buy some commercial investments (dr’s offices, apartment buildings, strip malls, parking lots/garages). Continue until max comfy.

[Anonymous No.15081251]

>>15081153
don’t listen to this guy. listen to everyone telling you to reign in your spending. refi that car, that payment is dumb. get on ting for your phone. 250 is robbery. my wife and i together pay 60.

[Anonymous No.15081325]

>>15081153
Someone who needs it is looking for advice, and your response is to shill faketoshi's scam. You are what is wrong with this board.

[Anonymous No.15081327]

>>15080668

This is legit the dumbest thing I’ve read in a while. Your spending nearly $700 a month on getting to your wage cage. Ditch the bloody car if you can. You have an expensive car yet spending hardly anything on fuel indicating you live close by, you could probably take a cab to work every day and still save money.

Get a cheaper car or get a bus pass.

[Anonymous No.15081376]

>>15081327
>Bloody
Fuck off britbong

[Anonymous No.15081393]

>>15081376

Well argued

[Anonymous No.15081411]

>>15081251
>>15081325
Broke cucks telling you to “control your spending”
I can tell by your weak responses that neither of you has accrued any wealth nor will you ever. Your best bets at this point is to kys and hope that you will be reincarnated as a cockroach. It will be an upgrade from your current states.

Op the choice is yours: listen to someone that actually knows what success tastes like, or listen to losers. There’s a reason why BSV is fudded so hard and all of the OG bitcoin guys like myself, Ryan x Charles, Gavin andreeson and many more all support BSV.

[Anonymous No.15081435]

>>15079908
Rent a room or a studio to save money. Do what you can to cut all other expenses. Put every spare penny into Chainlink.

[Anonymous No.15081523]

>>15081435
Wrong.
Chainlink peaked after coinbase. It’s still in retracement. Look what happened to BCH after Cb listing - peaked >$4k now worth $330. Look at Sergeys track record, what happened with NXT?
Don’t follow the masses OP, especially on this board. Most people on here are penniless incels, but there are a few brilliant minds on here who know how to /make it/. Your only task is to be able to discern between the two. I’ve been leaving breadcrumbs for you but I’m not going to spoon-feed you.

[Anonymous No.15081543]

>>15081523
This time, it's (Unironically) different

[Anonymous No.15081751]

>>15081523
>I’ve been leaving breadcrumbs for you but I’m not going to spoon-feed you.
>There’s a reason why BSV is fudded so hard and all of the OG bitcoin guys like myself, Ryan x Charles, Gavin andreeson and many more all support BSV.
Yeah, real subtle breadcrumb there your larping twat.
The reason everyone shits on BSV is because it is led by an obvious scammer, so anyone who shills it is an idiot by definition (either they believe faketoshi which makes them an idiot, or they know he is lying and decide to follow him anyway... also an idiot).
>>15079908
Don't buy crypto. Reign in your spending and take financial control of your life. Once you have established yourself and a savings fund, start buying crypto... but never BSV.

[Anonymous No.15082096]

>>15081523
> I’ve been leaving breadcrumbs for you but I’m not going to spoon-feed you.
We don't need or want your breadcrumbs. We have a decentralized oracle that always shows us the winner in advance. It's called memes. The decentralized oracle says that Chainlink is going to win, just like the decentralized oracle told us that Bitcoin, Ethereum and Trump were going to win.