Page 1 of 3 123 LastLast
Results 1 to 25 of 65

Thread: I fucking hate money.

  1. #1
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default I fucking hate money.

    I am so overwhelmed right now with everything, and I'm looking at my budget for school, and my tuition, and my rent, and I want to buy a car, and I want to build credit so I can buy a car (a prius), and eventually one day I want to buy a ton of land and start a commune.... but I have to do it through the fucking system. ugh.

    So.....here's what is going on.

    I have no money. I am starting from absolute zero. I plan on working 4 nights a week and probably making 1,500-2000/week, 6-8K/month until January, when school starts and I will drop down to 2 nights/week, 3-4K per month. I have to pay around 30,000 tuition for the year. If I make 55,000/year, after tuition that's 25,000, and after living expenses (very budgeted) that's about 10,000 left over in my savings account. This would probably be the exact amount I would owe to the IRS, wouldn't it?? With self-employment taxes and everything? If I do pay taxes, I wouldn't under report, because the whole point of paying taxes IMO is so you have proof that you make how much you say you do so you are eligible for making large purchases and financing payments.

    It's just frustrating calculating money stuff, because it just makes me hate the government.

    On January 1st, 2009 is that the date you're supposed to start keeping track of income, exemptions, etc for that year? and then the IRS gives you four months after the end of the year- april 15th, 2010 to file them?? So... I'm obviously not filing taxes this year because i have no proof or record of income and exemptions from 2008, didn't keep track of anything and fucked up my life royally. Would it be OKAY for me to just save up a ton of money and work my ass off and not do the whole tax-filing-keeping-track-of deal until Jan 1st?? Then, when Jan 1st comes along, I'll be financially independent and on my feet, and I'll be able to keep track of my earnings, my exemptions and all that, and I will have saved up enough money to get turbotax because I am mathematically retarded.

    Is that a bad plan?? It sounds pretty good to me. I don't want to do the quarterly filing thing, that's just way too confusing, I would rather just do it once a year, and spend a week or two sorting through receipts and spreadsheets, rather than do it 4 times a year and have to remember dates. Jan 1st and april 15th are easy to remember.

    Also--- how much does turbotax cost and would you recommend it? i need a computer program where I can just punch in numbers, i can't do excel.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  2. #2
    God/dess anomar's Avatar
    Joined
    Jun 2005
    Posts
    2,373
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Yes taxes are from jan-dec the calendar year. And then you get 4 months to pay it.

    I just hired a really cool CPA to do my taxes. Cost about $150 and she got all my deductions.

    But why do you need to go to school? I know that that might sound terrible but you do not need a BA in order to own your own business or be a successful entrepreneur. If you worked full time you could make $ much more easily.

    If you do got to school you should just get loans. It's much easier for me to pay $300/mo now that I've graduated then pony it up when I was still a student.

  3. #3
    Banned i.breathe.in's Avatar
    Joined
    Sep 2006
    Location
    ohio
    Posts
    4,967
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    what anomar said. +1

  4. #4
    God/dess loveandluxury's Avatar
    Joined
    Mar 2008
    Location
    In my box
    Posts
    2,358
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Yes, with tuition that pricey loans are your friend.

    I'm looking into going to the Art Institute which for a bachelor's degree in fashion management will cost me about $80K.. no way in hell I'm paying that up front.

    Animals are my friends, and I don't eat my friends.
    - George Bernard Shaw

  5. #5
    God/dess anomar's Avatar
    Joined
    Jun 2005
    Posts
    2,373
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Yeah... generally student loans are looked at financially as investments in your future self/earnings potential, not at what a 18-20 year old can actually afford.

    It is highly unlikely that any school expects students to pay out of pocket unless their parents are supporting them.

    And if your parents are not supporting you through school then just wait until you are old enough to be independent and then get a free ride. w00t!

    Otherwise get credits at a CC and then transfer them to the uni.

    Either way, you don't need to pay 30k up front. That's not how the system works. And you mention in your OP that you have to go through the system -- it's actually more helpful than you think it is!

  6. #6
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default Re: I fucking hate money.

    thanks anomar... that's good advice.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  7. #7
    Featured Member veronicachick's Avatar
    Joined
    Jun 2008
    Location
    :-)
    Posts
    864
    Thanks
    2
    Thanked 41 Times in 27 Posts

    Default Re: I fucking hate money.

    your tuition costs 30,000 per year? was fafsa any help?
    unfortunately I'm too young to claim independent even though I'm attending school full time here all on my own but fafsa still gave me a good amount... so if you haven't done so already you should fill one out.
    I used turbotax to file the taxes for my dayjob and it is pretty simple... They do it step by step and I finished my taxes in like... 20 min and got my refund promptly. So I recommend it.
    good luck... I know how hard it is to balance everything. Ever since my parents moved away I've had to take care of everything myself... and I'm not used to that. Not to mention that I suck with handling my money.. so it's great that you have a plan.

  8. #8
    God/dess britneyireland's Avatar
    Joined
    Jan 2002
    Location
    Dallas
    Posts
    2,568
    Thanks
    283
    Thanked 602 Times in 340 Posts
    Blog Entries
    1
    My Mood
    Inspired

    Default Re: I fucking hate money.

    you don't need a business degree to start a business.

    I have two pieces of paper that hang on my wall. The value is about 130K, I pay $130/month. I don't use them. My BA has a really nice solid dark mahogony frame and navy blue mounting.

    So are you going to hang yours in your prius on on the commune?
    Rebecca Avalon







  9. #9
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default Re: I fucking hate money.

    good point... but i don't want to be a stripper forever.. I want to do it another 3-4 years MAX. I don't just want to be an entrepreneur..there are things that I need to learn so that I can do what I want to do, and the school I want to go to is an alternative fully accredited school that will let me do that. I guess I could just take classes at some holistic medicine school and get a certificate, but ultimately I want to be a holistic healer in some specific field and be certified, so I would probably need some sort of degree higher than a BA or certificate to legally practice.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  10. #10
    God/dess britneyireland's Avatar
    Joined
    Jan 2002
    Location
    Dallas
    Posts
    2,568
    Thanks
    283
    Thanked 602 Times in 340 Posts
    Blog Entries
    1
    My Mood
    Inspired

    Default Re: I fucking hate money.

    No one wants to be a stripper forever, but you don't have to "work" to "make" money. Go to school and learn the skills to for the career that you love. Build cash flow businesses and invest in income generating assets for your financial freedom.

    I think the reason you hate money is because you don't know how to create it without working
    Rebecca Avalon







  11. #11
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default Re: I fucking hate money.

    also true, thank you.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  12. #12
    Senior Member
    Joined
    Jun 2008
    Posts
    105
    Thanks
    0
    Thanked 1 Time in 1 Post

    Default Re: I fucking hate money.

    So you're going to buy a Prius, become a holistic healer and start a commune, eh? And you're asking us if it's "okay" to not pay your taxes this year and you say that's a "pretty good plan."

    Well, okay, first things first, the IRS might come back to get you if you put money in bank accounts. They often wait years to catch people and then make them pay their back taxes from years ago. Just to let you know, it's a possibility. Might never happen, but I would be extra prepared in the future with an additional emergency savings fund if it does.

    Also, maybe you should just take things one thing at a time. Yeah, we all would rather not work or deal with money or the "system," but that's life, sweetie. Even if you owned "tons of land" you'd still have to have tons of money per year to pay property taxes. So I hope your commune generates income, and if it does, you're going to have to pay taxes on that, too.

    Hire an accountant to do your taxes. It's not too expensive (anomar found one for $150) and you won't have to worry about it. Go talk to one soon and try to start paying taxes as soon as you can. Put all your money in a bank account so you can track your earnings, if you really intend on not underpaying.
    Quote Originally Posted by Jenny View Post
    I would point out that if anyone sees stripping as legitimate labour today it is probably because of the movement, writings and publications of sex work advocates - you know. The ones also advancing the rights of the dirty whores.

  13. #13
    God/dess
    Joined
    May 2004
    Posts
    6,336
    Thanks
    0
    Thanked 11 Times in 7 Posts

    Default Re: I fucking hate money.

    If you're planning on going to grad school don't pay out the ass for your BA. Go to a state school and save the money for a nicer grad option.



    Because there ain't no tits on the radio

  14. #14
    God/dess
    Joined
    Apr 2007
    Location
    The Diner State
    Posts
    5,085
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    ^^Totally. I'm going to owe I think 24k for my BA and my state school is pretty damn expensive. Go cheap now and by the time you're in grad school you'll be over 24 (able to get more state & federal aid) AND maybe you can score an assistantship or something to help pay tuition.

  15. #15
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default Re: I fucking hate money.

    it would be impossible for me to file taxes for 2008. I didn't keep records of anything, and I don't have any money saved up from what I did make anyways, 2008 is over in my mind.

    There are only 3 months and a week left in 2008, so I'm going to spend those three months getting myself financially stable again, there is nothing wrong with that- especially because I plan on hiring an accountant to pay my taxes for 2009.

    As for school... it's up in the air right now.I have no clue what I'm doing, but I know I do want some formal education in the field I am interested in, whether or not that means I need a degree, i don't know yet.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  16. #16
    God/dess anomar's Avatar
    Joined
    Jun 2005
    Posts
    2,373
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Re the thread title...

    Generally I would say that you should just read up a lot on money management and personal finance. I used to be really anxious about money and always feel like I was broke because I never entirely knew how much I had. When I started tracking every penny I really got a better sense of my relationship with money and being able to use it to accomplish my dreams, instead of toiling away every day trying to make rent. Learning the ins and outs of SEP IRAs, the percentage to put away for taxes, the different kinds of high yield savings accounts... it all contributes to making $$ a valuable tool for your dreams instead of the bullshit you have to go through to get to your dreams . If that makes sense.

    Like.. you're never truly broke if you know where that last $50 is and how to make a meal for a dollar...

    Echoing what britneyireland said, you have to know your enemy.

    Here is a good website for this stuff.

  17. #17
    God/dess CKXXX's Avatar
    Joined
    May 2008
    Location
    in my head
    Posts
    3,467
    Thanks
    20
    Thanked 300 Times in 181 Posts

    Default Re: I fucking hate money.

    Quote Originally Posted by britneyireland View Post

    I think the reason you hate money is because you don't know how to create it without working
    Umm...can I get some ideas?? I need money like ASAP and cant seem to make it even though I"m busting my ass??? There are ways to make with withOUT working?? HOW???

    Quote Originally Posted by lexilou View Post
    "I'll picklepunch you in your twatwaffle!"

  18. #18
    God/dess
    Joined
    Apr 2007
    Location
    The Diner State
    Posts
    5,085
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Quote Originally Posted by britneyireland View Post
    No one wants to be a stripper forever, but you don't have to "work" to "make" money. Go to school and learn the skills to for the career that you love. Build cash flow businesses and invest in income generating assets for your financial freedom.

    I think the reason you hate money is because you don't know how to create it without working
    I need to learn how to do that!

  19. #19
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default Re: I fucking hate money.

    Quote Originally Posted by CKXXX View Post
    Umm...can I get some ideas?? I need money like ASAP and cant seem to make it even though I"m busting my ass??? There are ways to make with withOUT working?? HOW???
    i'm guessing it has something to do with taking money you earn and investing it so it earns you passive income.....I have no idea exactly how to do that or how it works though. Sounds too good to be true.

    I don't think you can actually make money without working if you're starting from 0.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  20. #20
    God/dess anomar's Avatar
    Joined
    Jun 2005
    Posts
    2,373
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Quote Originally Posted by CKXXX View Post
    Umm...can I get some ideas?? I need money like ASAP and cant seem to make it even though I"m busting my ass??? There are ways to make with withOUT working?? HOW???
    It happens when you have enough money invested that you can live in the income from your investments. This is called passive income. As keira said, you need a lot of money in order to make money on that scale.

    It's not so much money without working, it's using it in ways that generate high interest... it's called the Crossover Point.

    Also, it takes time... you can't turn $1000 into $5000 in a month, it takes like 2 years...

  21. #21
    Yekhefah
    Guest

    Default Re: I fucking hate money.

    I have to disagree with the advice about loans. You don't want to wind up as an indentured servant to the government (or a bank) for the rest of your life, and too many people nowadays do. And $30,000 is ridiculous for tuition. When I was your age and I couldn't afford my first choice school, I went to a much crappier local school and busted my ass so that I would at least have amazing grades on my resume, no debt upon graduation, and acceptance into graduate school.

    You should be moving anyway. Pick a place to move to where you can get cheaper tuition, where you know someone with a local address so the tuition is in-state.

  22. #22
    Featured Member keira0304's Avatar
    Joined
    Jun 2008
    Posts
    1,362
    Thanks
    0
    Thanked 32 Times in 14 Posts

    Default Re: I fucking hate money.

    the thing is.... I'm not interested in a BA at any other college. The only reason I want to go to this college is because of the curriculum... no other college in the US offers a similar college, it is a VERY unique school because it offers an extremely alternative curriculum, with accreditation, BAs and graduate programs.
    "Life and death, energy and peace. If I stop today it was still worth it. Even the terrible mistakes that I made and would have unmade if I could. The pains that have burned me and scarred my soul, it was worth it, for having been allowed to walk where I've walked, which was to hell on earth, heaven on earth, back again, into, under, far in between, through it, in it, and above."

    [/URL]

  23. #23
    God/dess anomar's Avatar
    Joined
    Jun 2005
    Posts
    2,373
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I fucking hate money.

    Enh. My tuition was $35k/year and my loans are manageable.

    Further down in the thread she isn't sure if she's going to the school, she is just trying to figure out if she can swing it or not in the OP. I think survey says she can't if she pays out of pocket.

  24. #24
    God/dess Lysondra's Avatar
    Joined
    Apr 2005
    Location
    Another Country
    Posts
    18,664
    Thanks
    0
    Thanked 148 Times in 100 Posts

    Default Re: I fucking hate money.

    Are we back to that again??!

    I thought you agreed to move and come back later.


    Look like a woman
    Think like a man
    Act like a lady
    Work like a dog

    - My Great Grandmother Bessie's Recipe for Success

  25. #25
    Yekhefah
    Guest

    Default Re: I fucking hate money.

    Yeah, I really wanted to go to a very unique school too. I couldn't afford it though. I had to be a grownup, pull up my shorts and go to a school I could afford on what I made as a full-time waitress. That's life. And I didn't even have a psychopath hunting me.

    One of the first life lessons we all have to learn (preferably in the 18-20 age range) is that you can't always have what you want, and sometimes you have to settle for what you can actually do.

Page 1 of 3 123 LastLast

Similar Threads

  1. I fucking hate pitbulls.
    By Elvia in forum The Lounge
    Replies: 154
    Last Post: 05-13-2008, 08:15 AM
  2. I. Fucking. Hate.My. Mom.
    By needtodance in forum Stripping (was Stripping General)
    Replies: 31
    Last Post: 04-18-2008, 01:34 PM
  3. I fucking HATE
    By Kaylinn in forum The Lounge
    Replies: 3
    Last Post: 02-03-2008, 08:07 PM
  4. I fucking hate this more then anything!
    By Yas in forum Private Party Dancing
    Replies: 13
    Last Post: 05-27-2007, 08:11 AM
  5. i fucking hate religions!!
    By mermaidnz in forum Political Poo
    Replies: 99
    Last Post: 11-21-2004, 12:45 PM

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •