When you're terrible with money . . .

[ebaycj]

http://en.wikipedia.org/wiki/Time_value_of_money

 

[JEDI]

Originally posted by: BD231
Ok, so I'm a *VERY* wasteful person. @ 22 (23 in april) years old, I eat to much, don't sleep enough, generally let my room stay a mess and I smoke w**d constantly. I'm a slut of a man too.

I moved out once or twice, but never stayed gone because paying rent really gets me pissed. I keep convincing myself I'd rather live my life *ballin* w/ all the b*tches I could ever possibly want and lots of dough to *WASTE*.

With that said, I blame myself, but I also understand I was not taught well growing up when it came to money matters. I deal with a lot of depression problems and a lot of negative thoughts about myself as well. My job is a very stressful one so there's a lot of negative sh*t I feel the need to counteract on a consistent basis. My poor mental state and self image (used to weigh 350 pounds, now I'm a HOTT dude but still feel like sh*t about myself) is hugely responsible for my issues. I was also alone alot while growing up so I'm not very good at relationships, male or female.

I've been making a good bit of money (50-60k) since highschool. I still make good $$$ but I'm starting to feel like I'm goin to be in trouble soon. I really *really* don't want to stay the person I am, but have serious attention span issue's when it comes to changing my habits and keeping my mind on a goal of any sort.

I'm not quite sure what the best course of action would be for a person like me. When I have a large sum of money, I spend it on having fun, dr*gs, over indulging or toys. In other words, all my money is being thrown away cus I'm an unhappy dude . . .

How do you make a lazy, depressed bastard with not a lot of will power left retain some of his hard earned work???

I've been thinking about cutting my income in half and accepting the fact that it's just going to be wasted anyway. Somewhere I'm holding the thought that I'd rather live poor while I'm young and able rather than not have anything in the future.

Generally I think my life should *not* be in my own hands, but being that that's not possible, some serious reform is needed.

you sound angry. i see a world of self defeatism in your future

 

[amicold]

You sir, sound like me except the age is a little off, and the poon over here is getting very scarce. Get a locked form of investment, like a CD. Or a 401k as someone else suggested.

 

[vital]

what were you slangin during high school to make 50-60k?