life doesn't want to conform to your cash flow unfortunately, so take the free loan and put all the essentials on your credit card since you can pay it off later :)
@samburger preach lol. it's no big deal. pretty are already pretty evasive about discussing money, it's normal to be that way, rich or crazy in debt, or whatever.
Wow, $9 is still rather low in most parts of the country? Not only teenagers work at Target. Also, I don't think McDonald's is called a "retailer" but is categorized as something else. I was thinking that maybe CostCo or Sam's Club would be number two.
I am really sorry that the flu got you so sick that you had to go to the doctor :( Medical care seems so crazy expensive. My boyfriend is going to be unemployed soon and I am kinda shocked how crappy cheap health insurance is. $250/mo and a $5k deductible before anything is covered? Jeeeeez.
@ronswansonluva saving a year worth of income for your retirement at 29 is kinda amazing!
@klemay these days you can start to find pretty good phones for around $300 and even $200. they aren't quite as powerful as flagship phones you but they work very well. the market is so dominated by a few players in the us (samsung, apple, lg) but brands like asus and oneplus show you can make a good phone without having to charge consumers $600.
I have switched my goals around. I have decided that my emergency fund is enough (~9 months of expenses). I have decided to start a house down payment fund of $50k. The goal of when to have it by is a little nebulous, I am hoping in the next 5-7 years. To Start: $50 March 2015
I worked at Goodwill for one month. People are terrible. They will try to scam you and say they gave you a certain type of bill when they didn’t to get change back they shouldn’t have, etc. People yell at you for taking to long with an elderly customer who needs extra help and attention. People steal things constantly. I doubt this is limited to lower-end stores. In my experience, I don’t think working in retail made me feel more patient. It just made me feel more grateful that I am surrounded by generally nice people who are not the scum of the earth. I worked at a customer-facing job (not retail) for years and experienced more or less the same.
I can appreciate this story, it is hard surviving without a lot of spending money and your meal plan running out. When I went to college we had "dining dollars" and the Wendy's on campus actually accepted these dining dollars. At the end of each quarter I would usually just eat the $1 baked potatoes. But I also have to acknowledge that I had enough grant money to pay for my tuition and on-campus housing, and had a part-time job to support myself for the necessary toiletries, clothing, and train rides home. I guess to make it more interesting you might omit the details, but we 'folders like to know the nitty-gritty! I live in San Francisco and actually try not to spend more than $100/week on spending money though? And that tries to include meals out during the week. I don't think it's that hard to do for a few weeks at a time?
i don't think it's a bad idea for people who are not very good at saving money. i think the whole point is to help a certain demographic (young, NOT poor, and comfortable with technology) save that would otherwise spend every dollar because they don't pay attention. and with what i read, it seems that is a lot of people. these folks probably aren't concerned with a few dollars in interest. i am probably not going to sign up because i don't like the idea of sharing my bank info with people, just ain't for me.