Mooster I agree with you, people live above there means, students exempt here, but for working people never buy anything you cant afford to pay cash for, credit cards & hire purchse are a never ending trap, if you cant afford to pay cash for it you cant afford it simple as that, soon as I am paid I put my rent money aside, by my weekly supplies of food, grog & cigarettes, put some money aside for bills, then anything left over I spend or save if I am planning to buy something or going on a holiday.
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Broke ...
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See if you can get a loan from the bank that you are with and pay it off gradually.Originally posted by TheMase
Had to register my car today, first time I had to register it.
Got the greenslip, $437.80 OUCH!
Then had to transfer the rego and I was informed that I would incur a late fee, $45 for the transfer and another $80 for the fee!
Then there was the rego, another $110!
That all adds up to $772.80
Then of course I have third party insurance.
About another $440 for that ...
So all up around $1212.80 to register my car.
Welcome to the real world Luke!!!!
I finished paying my HECS off this year. A good thing too, now my marginal tax rate is only 52.5%, rather than 58.5%. Only seven more years of paying my Austudy loan to go.
John Dawkins, if I ever, ever see you crossing the road in front of me ...
John Dawkins, if I ever, ever see you crossing the road in front of me ...
TheMase
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Re: Re: Broke ...
I think you have misunderstood the post. I have paid all that out, and now i have no money!!
I had budgeted for it quite nicely until I had to pay the $80 late fee
I think you have misunderstood the post. I have paid all that out, and now i have no money!!
I had budgeted for it quite nicely until I had to pay the $80 late fee
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Re: Re: Broke ...
Not that cut and dried, Suz.
Jen and I had to go to three different banks and agencies before we got the loan for our new car recently. The reason for this-- and here's one for the Logic Cavalry, Mooster!-- is that you have to prove that you can pay off the loan reliably.
Seeing that my line of work has me employed by a Dutch-based website, no one can take that into account (no pun intended). Only Australian-based employment, they said. And since we were getting the loan BEFORE I got my permanent residency bid approved, this was only based on Jen's CRT work.
But luckily, we got approved for the loan, and we have a wonderful car to drive around in.
Cheers,
William
Not that cut and dried, Suz.
Jen and I had to go to three different banks and agencies before we got the loan for our new car recently. The reason for this-- and here's one for the Logic Cavalry, Mooster!-- is that you have to prove that you can pay off the loan reliably.
Seeing that my line of work has me employed by a Dutch-based website, no one can take that into account (no pun intended). Only Australian-based employment, they said. And since we were getting the loan BEFORE I got my permanent residency bid approved, this was only based on Jen's CRT work.
But luckily, we got approved for the loan, and we have a wonderful car to drive around in.
Cheers,
William
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It doesn't matter how much money you have, its never enough. I remember when I was a student I could practically live on nothing and I'd still have money left over.
Now I make a good living and I don't save much more then when I was a student just because somehow I allow myself to spend more.
My boss makes $100 000 more a year than me but at the end of the month I save more. Your salary goes up and then so do your expenses.
Now I make a good living and I don't save much more then when I was a student just because somehow I allow myself to spend more.
My boss makes $100 000 more a year than me but at the end of the month I save more. Your salary goes up and then so do your expenses.
go the agenciesOriginally posted by lioness22
I got less than that for caring for 20 toddlers.
level 1's get $14.50 for wiping snot, changing arses and gaining about 200 bucks a month worth of medical bills got my p1ssy $50 in tax and have about 700 bucks in the bank which should buy 2 new bikinis, new pair a boardies, new mini, new this new that
and blow the rest during finals weeks! aah life is good 
... then perhaps i should look at getting an actual job i think
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Money? I think I might have had some in the eighties... I didn't think it was still around in this new age....
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i'll find out about all this next year when i move out and start working full time/living with 2 flat mates
will be...interesting
will be...interesting
For anyone with money woes I would advocate reading Robert Kiyosaki's Rich Dad, Poor Dad books. Just read them. Learn the rules of money, also called the "Who Owes Who" game.
What do most people do with their money? Work to earn it, live to spend it, borrow to spend more.
It sounds heartless, but reeling off a list of expenses like clothing, cigarettes, grog and then complaining you have no money will get you no sympathy from most people.
You want to know how to have money in the bank?
a) Stop spending it on crap;
b) Stop relying on others to pay for your luxuries when you are young.
In many cases just the necessities of life can overwhelm students. This is where parents have a responsibility to provide the basics (food, shelter, education). That's what they are supposed to be - providers. If they cannot or will not then Austudy and part-time work should supplement income. If you want more than the basics (cigs, new clothes, CDs etc) then part-time work should fill that gap.
... in a perfect world.
In reality there are always tempting things to spend money on, and 'yoof' unemployment is always high. A lot of well paid (and not so well paid) marketing people are there to encourage you to spend by showing you how much better off your life would be if you just went to the local shopping centre and offloaded a few of those pesky dollars that are just weighing your pockets down while they depreciate.
When my parents were young it was easy to drop out at grade 10 or earlier and get an apprenticeship and a job for life.
Now high school kids are told that the best thing is to go to Uni.
Quite frankly for many kids Uni is the worst thing they could do.
The 'job for life' doesn't exist any more.
The best thing that anyone can do is get a financial education. Know the rules of game called "Who Owes Who". Then you can decide if you want to play the game or owe money to those who do - your landlord, your bank, the government etc etc etc etc...
It's hard to get a financial education and play the game, but I find getting out of bed every morning to go and work for someone I don't know all that well (and who could sack me at any time) to be a LOT harder.
What do most people do with their money? Work to earn it, live to spend it, borrow to spend more.
It sounds heartless, but reeling off a list of expenses like clothing, cigarettes, grog and then complaining you have no money will get you no sympathy from most people.
You want to know how to have money in the bank?
a) Stop spending it on crap;
b) Stop relying on others to pay for your luxuries when you are young.
In many cases just the necessities of life can overwhelm students. This is where parents have a responsibility to provide the basics (food, shelter, education). That's what they are supposed to be - providers. If they cannot or will not then Austudy and part-time work should supplement income. If you want more than the basics (cigs, new clothes, CDs etc) then part-time work should fill that gap.
... in a perfect world.
In reality there are always tempting things to spend money on, and 'yoof' unemployment is always high. A lot of well paid (and not so well paid) marketing people are there to encourage you to spend by showing you how much better off your life would be if you just went to the local shopping centre and offloaded a few of those pesky dollars that are just weighing your pockets down while they depreciate.
When my parents were young it was easy to drop out at grade 10 or earlier and get an apprenticeship and a job for life.
Now high school kids are told that the best thing is to go to Uni.
Quite frankly for many kids Uni is the worst thing they could do.
The 'job for life' doesn't exist any more.
The best thing that anyone can do is get a financial education. Know the rules of game called "Who Owes Who". Then you can decide if you want to play the game or owe money to those who do - your landlord, your bank, the government etc etc etc etc...
It's hard to get a financial education and play the game, but I find getting out of bed every morning to go and work for someone I don't know all that well (and who could sack me at any time) to be a LOT harder.