25+ drowning in debt edition

File: 1465696370846.jpg (50KB, 871x765px) Image search: [Google]

50KB, 871x765px

Default out if you really give no fucks

Just make sure you got an affordable apartment and a working car

>>35554456
Fuck that, I'm not paying 3 grand to declare bankruptcy. I'd rather use that money to pay my car note.

File: 1366205849054.png (150KB, 599x600px) Image search: [Google]

150KB, 599x600px

>owe like $40k on school loans (dunno I haven't checked)
>senior year
>not enough income means I have to borrow money to make June's rent, if I can get a new housemate tomorrow
Spend less earn more I guess.

File: 17stx74rbf3pqjpg.jpg (34KB, 300x281px) Image search: [Google]

34KB, 300x281px

>>35554401
>21k
>"drowning in debt"

35k in student loan debt, get fucked nerd.

Also, how the FUCK did you get 14k in credit card debt?

>>35554503
>tfw you make payments every month
>tfw you see 40% of it goes to nothing
>tfw you end up losing 10k for nothing

Charging interest should be illegal

>>35554572
I transferred over 5 grand from when I had no job and took out a personal loan to a credit card so I don't have to pay interest. Other debt is from bills and just living expenses (food, phone bill, gas ect) from also being unemployed. I also had to get a new laptop and phone and I had to pay for car insurance and work on my car.

>45k student loans
>11k credit card debt
>300 behind on electric
>250 behind cable
>900 behind phone bill
I'm 25 and I can't afford paying for my entire family. I don't even own a car yet and have put in enough money in my dad's car to buy a used car. I don't even have a license yet.
All of my credit card debt is from my Mom using my ssid to open up cards and max them out to pay bills.
It's pretty stressful I guess, but my parents stress about it more than I do. I'm just the family bank. I pay for pretty much everything.

>>35554401
>just paid off my car, motorcycle, and last student loan
>saving $2,500 a month

Feel fucking good nigga

How can you losers be so horrible with money? Do you not understand how to live within your means? Fucking morons shouldn't be making payments on $20k cars if you can't even save a quarter of that manage any expenses

>>35554742
>900 behind phone bill

WTF are you behind for a decade? Mines $30 a month

>>35554939
I pay for the entire family. The bill is 350 a month or up depending on how much data was spent. It's supposed to be split so I stopped paying for it that's why it's behind now. I don't even use my phone anyway.

>>35554919
>buy used car
>still have to pay 12 grand or more for a halfway decent car
>have to spend money on repairs every few months
>car only lasts 5 years

Used cars are a meme unless you're a mechanic.

>>35555049

>used car
>12 grand

lmfao

I've never paid more than 3k for a car. Are you buying loaded pickup trucks or SUVs or some shit? Go get some piece of shit sedan and drive it until it's scrap metal, nerd.

>>35555049
>you're a mechanic
C'mon dude. I bet you don't even know how to change your oil or replace consumables. Be a second if you could, your $3k shoebox with 130k miles on it would last at least 10+ years.

Idiots don't know how to take care of their cars. That's the problem. Doing brakes and matnience doesn't make you a mechanic. People like you are the problem.

>>35554983
>I pay for the entire family

Surprised surprised, a NEET grew up with leeching parents

>>35554401
33 years old

12k in credit cards
$1,300 mortgage every month
$450 car loan every month

plus bills, phone, cable, food. barely scraping by, living pay cheque to pay cheque, can't even make a dent in credit cards.

i can't get a room mate. i have no friends and i've lived alone my entire adult life and i have horrible anxiety around strangers.

if my parents had raised me properly, i could have had a wife or girlfriend that would help with the bills. but nope, i'm a socially anxious and depressed retard incapable of attracting a female.

can't even sell my place because the mortgage is upside down due to the economy devaluing my property.

File: smoky pepe.png (357KB, 379x579px) Image search: [Google]

357KB, 379x579px

I'm the 26 year old panda express rejectee guy who wasn't panda material. I now have a interview for Chuckie cheese tomorrow

>>35555350

>He has a house

Chad plz leave

File: Screenshot_20170315-222129.png (158KB, 1440x2560px) Image search: [Google]

158KB, 1440x2560px

>>35554401
>Tfw 25 and few 500 to $3000 in a month.

Should i quit my job and do stocks full time?

>>35555406
yes. you could be free.

>>35555350
life is trahs

>>35555086
>>35555155
I change my own oil and do basic maintenance. Why would I spend 3k on a shitbox and have to constantly spend money on repairs. When it shits the bed after 6 months then I have to fork over another 5 grand. Fuk off with your used car meme, what kind of cuck buys a car with 120k miles on it? Fukin retard

>>35555351
>implying you're Cheese material
Just give up anon

File: [HorribleSubs] Gabriel DropOut - 08 [720p].mkv_snapshot_16.30_[2017.02.27_21.29.48].jpg (63KB, 1280x720px) Image search: [Google]

63KB, 1280x720px

who /under25/ and /notindebt/ here

must suck to be you guys lmao

>>35554401
theyre increasing interest rates again. youre gonna have to pay a whole lot more than you spent. sux man

>>35555406

I did this with $50k, don't do it

File: 1474272633797.jpg (61KB, 500x541px) Image search: [Google]

61KB, 500x541px

>>35554401
Fuck, I almost forgot that I'm 25.
Thanks for reminding me.

>>35555529
> he lives at home
> he has no car
> he has no bank account
> he has a folder of anime on his comp
> he thinks he's better than us because he a speck of time behind us

Get rekt NEET

I am 27, and have never taken up a loan. I do not intend to either.
And no, I am not some rich kid who has everything paid for by rich parents.
I just don't buy things I can't afford.

>>35555406
Get ready for the crash anon

>>35555569
B-but at least my index fund is making gains

File: __cirno_touhou_drawn_by_sunuu_miya__d5b69a2792f552db45648f5a0e5f23f5.png (1MB, 1400x1400px) Image search: [Google]

1MB, 1400x1400px

>>35555659
I have a bank account and a job, didn't fall for the college meme and I still have my youth. Get fucked oldfaggot.

>>35555351
You said you where going to trucking school in the last thread. Man i thouggt you were real, but you're just another troll.

>>35555406
how do you into this?

>>35555572
what happened?

>>35555684

So how did you get to work before you saved up money for a car?

>>35555659
>he thinks you need to go to college
>he thinks you need to have an expensive car
>he thinks you need to spend money on useless shit with a credit card
>he thinks every 20 year old needs to be in debt

you're delusional

>>35555709
college isn't a meme if you pick the correct major and work hard.

Working at retail outlets or construction sites isnt going to cut it for a career path m8

>>35554592
you retarded m8? Interest is how they make money. Why would they lend you 10k and only make you pay back 10k? They'd be loaning you that money for free, which defeats the purpose of a business.

>>35555762
I used public transportation. I don't have a car anymore, as it costs way more than just taking a bus here.
I also do not live in the US.

I might save up for a car again soon, as traveling to work is going to increase in distance shortly.

>>35555795
It'll work until my body can't keep up any longer at which point I'll just kms

Still better than being 100k in debt with a shitty mcdegree at age 24

>>35555762
You know you can buy a junk car for like 1k right? All he needed to do was save up money from birthdays, do chores for family or just random people, or he got driven to work, or he just took the bus

File: 20170309_235521.png (216KB, 1080x1706px) Image search: [Google]

216KB, 1080x1706px

>>35555709
Fukk off animu, I didn't go to college either. You'll be here soon enough, at least I get laid.

>the only women he talks to is his mom

Get rekt noob

>>35555795
What is the correct major to take right now that'll land you a stable career with a fair amount of money? One that isn't going to be over-saturated?

File: 1482194001349.jpg (90KB, 640x640px) Image search: [Google]

90KB, 640x640px

>>35555866
enjoy your roasties dude lmoa no seriously

>>35555795
>college isn't a meme if you pick the correct major and work hard.

So like 10% of college students should be there. The rest are getting fucked

>>35555784
Holy fuck I literally never said any of those things. How retarded are you?

>>35554401
How can you spend money you dont have?

>>35555895
I'm sorry to say this, but I think competition is going to be tough no matter what you choose as your education.
There's just too many people hunting down the same jobs.

>>35554592
This post is anti-semitic.

>>35555836

>public transportation

For the vast majority f the US that is not an option.

>I also do not live in the US.

Why even share your experience then? It's irrelevant.

>>35555924
To fukin live senpai.

Also this thread has been derailed share your 25+ feels please

Everybody is welcome to join

>>35555923
Those things are the only reason a person that young would be in debt. The person you responded to wasn't in debt, and you just said he was a stay at home loser. Are you the retarded one?

>>35554742
>having a phone bill
Do you think prepaid is just a silly joke?

>>35554456
31 year old here that actually did that 5ish years ago. I owed like 20k on credit cards and was in real 'give no fucks' mode. I owned a car and had an apartment but basically no other assets.

Long story short I never paid shit and the statute of limitations expired last june. I actually did get sued finally but in september. I got a lawyer to file a counter claim because suing after the staute of limitations is against some regulations and they ended up paying me 1k. bawhahah still brings a smile to my face.

Don't do this unless you're self sufficient and truly don't give a shit like me. Its on my credit report another 2 years so I probably can't get a new apartment without bribing someone and any "real job" is basically out of the question cause they all check credit reports.

>>35555896
>tfw even sex does nothing anymore
>tfw been browsing r9k the last 3 days all day
>tfw at this age my grandfather had fought in war and had a house and a family, and I'm 4chan arguing with am 18 year old weeb about whose life is less shitty

>>35555049
>buy used car
>still have to pay 12 gran
I bet you think only mechanics can perform an oil change

>>35555947
Oh, didn't realize that US is the only place in the world where people put themselves in debt from an early age, and stay there until retirement.

>>35555956
You can go into debt for literally anything that costs any type of currency you fucking mongoloid. Fuck off

File: __toono_shiki_and_toono_shiki_tsukihime_drawn_by_urako__247f05e3090e1ed0d08acbd15171275a.jpg (75KB, 644x910px) Image search: [Google]

75KB, 644x910px

>>35556014
Our lives are probably equally shitty... but we are both still young. I'm sure there will be some great, sweeping, all-encompassing event in our lifetimes to talk about. Hold out hope for better days amigo

File: wut this.png (59KB, 524x251px) Image search: [Google]

59KB, 524x251px

>>35555709
>I still have my youth.


Not for long. I remember 19 like 19 year olds remember 15. I'm 27. It will go away faster than you realize. we are all victims to the clock, no stopping it.

>>35555746
>You said you where going to trucking school
I am. But it starts in a few months and I want to see if i can land a quick job to prep myself for a real interview at a truck job after i pass

>>35555836

>I do not live in the US

If you live somewhere in Europe/Canada/UK/Aus, that's hardly fucking surprising.

Crippling debt for basic things like education and medical care is only an American thing. Are we supposed to be impressed that you've managed to squeak by without debt when you're playing on the easiest mode on the planet?

Fuck off.

>>35555754
Download the Robinhood app and just fucked around. I honestly don't know what I'm doing and I'm pretty sure my luck will run out soon. The Robinhood subreddit has useful info.

>>35555754
>what happened?

2008 happened, although I've since recovered

File: image.png (361KB, 858x725px) Image search: [Google]

361KB, 858x725px

Who here /angerissues/?

>break a lot of my own shit
>had to stop playing competitive video games because I would scream a lot
>blame everything that goes wrong in my life on someone else
>in general feel very miserable

It's not easy to just "stop being angry"

>>35555492
>When it shits the bed after 6 months then I have to fork over another 5 grand
Sounds like you're completely incompetent at doing repairs or you just break shit. 5 grand repair? The fuck are you talking about? That much gets you another motor and trans. I feel like you're just talking out of your ass now because the things you're saying are so absurd.

Warning this video will make you bros nostalgia hard af

https://youtu.be/TfadJj4d5K4

>>35555529
Me
>about to be 21
>khv
>live with parents
>have car
>have job
>have 20k in bank account want to get stocks and save for down payment on house because not burning money on apartment rent = Woah no way wtf

>>35556327
>motor or trans

Yeah thats what goes on a car with 120k plus miles on it cuck.

>>35556321
You just never learned how to cope with losing. Take up a martial art.

>Owe 500 to phone company
>get 230 a month
>ignore all the letters
>hope it goes away

Am I doing good at life so far?

>>35556371
20k is nothing, when you go out on your own it'll be gone within a year.

>>35556468
whats "something" then, oldfag?

t. 25 y/o fag

File: 1419696262239.png (116KB, 539x692px) Image search: [Google]

116KB, 539x692px

Money's fine but I'm declaring bankruptcy on love, family, friendship, and purpose.
My debt is anxiety and fear, and I'll never finish paying it off.

>>35556372
Lol you're a retard. Motors will go well beyond 230k miles if you take care of them...

>>35556468
I sort of agree with you. My living expenses will sky rocket for sure.

join military and the only thing you will ever pay for again is car, phone, cable, food, internet

>>35555529
I have no debt but only owe 200 on a credit card I have around 300 in savings tho

>>35556562
250k

Lad

You're basically fucked

File: 13592765_1719983594909151_3755966515486498492_n.jpg (64KB, 575x960px) Image search: [Google]

64KB, 575x960px

>american telling someone he's living on the easiest mode
Lmao

I have no debts, nice job, a car, live on my own in rented house but saving to buy/build one (soon). I'm a failure in everything else than sustaining myself though.

>>35555866
whats the point of this convo?

>>35556372
>120k
bitch you can get way more than that out of even really shittily-built American cars.

>>35557099
I took her out and fucked her you aspie.

File: Deal With Chester.jpg (57KB, 268x265px) Image search: [Google]

57KB, 268x265px

>>35554401

over $200,000 educational debt masterrace here

get on my fucking level, plebs

>>35557496

srsly, most of u plebs will never even be allowed to borrow as much as i owe for education

>>35557496
Do you at least have a job? Or are you NEET masterrace?

Wow you guys make me feel a lot less stressed out about my life

>bank account is -1.35 or something
>will get paid in less than 6 hours
>didn't lay my Internet bill this month
>$500 in old medical debt
>maybe another $400 in bs my dad used my identity for when he was going through a divorce
>will owe the IRS $700 when I file

Really no idea how to start addressing this shit when I live paycheck to paycheck

>>35557540

i have been hired to start in June but I don't know where until friday

> fell for medical school meme

>>35557635
What? What kind of job is it? Is it at least related to your degree?

25 here. Heavy alcoholic. Someone at work was telling me that they overdid it the night before. Apparently, they had 3 shots and 4 strong mixed drinks. Christ, I drink that within the first hour that I clock out. Don't fucking whine about a hangover if you had 7 drinks in an entire night, you fucking faggot.

The more I learn about my female coworkers, the more I start to realize I'll never find happiness within my life. I'm not even attractive myself, but when I look at people, I can't hep but notice just how ugly they are, whether it's their physical appearance or their lifestyle and personality. It's been 7 goddamn years and I still think of the first girl I fell in love with. To make it even worse, I planned on meeting up with her a few years ago, except I cancelled when I found out she was dating someone else with the same name and same initial as me. Why are most people disgusting?

File: Going down.gif (2MB, 400x222px) Image search: [Google]

2MB, 400x222px

>>35557668

resident, internal medicine

i'm not ready for this at all

>>35557846
You drink everyday? Do you even get hangovers anymore?

>>35557846

i cant even drink 7 drinks anymore, i would pass out before i got that far

>>35557909
> not ready for this at all
> went to medschool

All of my what

File: Spot On Diagnosis.jpg (96KB, 441x640px) Image search: [Google]

96KB, 441x640px

>>35557963

i have never been in a room for a code, managed more than 6 patients (half assed bc students can get away with that,) never returned a real page, never taken ICU elective

first day of residency i will get a pager, 12 patients, have to respond to codes, and possibly start in the ICU

fuck my shit up senpai, i don't even know where to start. just indulging in escapism until i have to face the music

>>35557936
Hangovers for me usually just mean extreme sensitivity to lights and a general grogginess that's cured by caffeine and water, even if I had around 30+ drinks the night before. I don't get nausea or headaches anymore. Yes, I drink every day. Been doing it for about 6 years straight now. Instead of nausea and headaches, whenever the alcohol wears off while I'm sleeping, I just wake up with sweating and shivering, as if my extremities are numb.

>>35557957
Now that I started working again, most nights, I just drink until I pass out. I've already had significantly more than 7 drinks and I've only been off work for about 2 hours.

>>35558078
You already have the knowledge, now you'll apply it. You'll learn by doing.

File: CFW.jpg (94KB, 640x427px) Image search: [Google]

94KB, 640x427px

>>35558143

> already have the knowledge

buddy, i already forgot the knowledge