"PS9" (PS9)
04/13/2015 at 04:04 • Filed to: None
9
12|
"PS9" (PS9)
04/13/2015 at 04:04 • Filed to: None | 9
| 12 |
I'm going to have to keep my mouth shut about my plans in real life, because I'm apparently surrounded by a bunch of broken spirits who have lost all hope and ambition.
Hey, I get it. Life is rough. It can take everything that means anything to you away in an instant. Ask me how I know. But goddamn, every time someone asks me what I'm up to and I tell them, they just react like it's an opportunity to put me back in my place and keep me there! What the hell!
Other Person: Oh, so what else are you doing besides work?
Me: Well I work 50 hrs a week at two jobs right now, but I'm saving up to get a skill. After that, I can drop one of the jobs and make a bit more money. Once that happens, I'll save up to either buy a house or go back to school
Other Person: Don't bother with the skill. It's only $1 more an hour, not even worth it.
Me: Even if you factor in full time employment + a bit of overtime? And benefits you don't get as a part timer?
Other Person: No, still not worth it. School's too expensive just to get a skill.
Me: It's only $3k. That's what a good beater on Craigslist might cost. How is that not worth it given the upward mobility you'd get?
Other Person: Whatever dude, waste your time and money however you want.
Me:...
___
Other Person: Our parents gave us the option to buy out the house, but we're just going to rent for now. Don't know if we're going to stay here for the rest of our lives.
Me:It's a ways off, but I honestly can't wait for the day I've purchased my own house
Other Person: Better watch out for mortgage interest rates and property taxes. They'll kill ya in the end.
Me: Mortgage? No, no, no. I said 'purchase'. As in outright. My first house will be owned by me on day one, no mortgage involved.
Other person: That's insane. Where are you going to get the piles of money you'd need to day one purchase a house?
Me: Well, My current expenses are [X]. When I get that skill I'm saving up for and get a job in my field, my income will rise to [Y]. If I can keep it there for just a couple of years, I will have saved up enough to get the house I want in the area I want on day one.
Other person: That's a crazy plan. You're better off playing the lotto.
Me:...getting a career and working to save up the money you want to buy the things you want is a less reliable plan than playing the lottery. Really...
Other Person: Why even buy a house when you can rent it? Let the property owner worry about the taxes.
Me...Nevermind. I didn't say anything.
___
Other Person: Hey [PS9], what are you up to?
Me: NOTHING. I'M NOT UP TO ANYTHING. LEAVE ME THE HELL ALONE.
SlickMcRick
> PS9
04/13/2015 at 04:26 |
|
.........................................................................................
I've learned a very long time ago to just not listen to people. I could see if you were considering spending 4-5yrs in school @ $25k+ per year but a trade/skill is something you need to get by in life. A skill also helps you get jobs no matter where you go in the world. For example getting your CDL is great because pretty much every country has a need for someone to drive a big truck.
As far as the home owning thing goes. It can be a tricky business finding a good deal and if you're like your friends that want to move around purchasing isn't the agenda. Honestly for me right now I'd be a renter for the sole factor I want to move around a bit. In your case though you're giving yourself plenty of time to shop and save so that it would be financially feasible for you.
With that said, it's your thing do what you want to do. As long as you have a solid plan and stick to it not much should go wrong.
505Turbeaux
> PS9
04/13/2015 at 04:52 |
|
Sort of agree with scenario one. I could be doing what I do now without spending money on my education - but we were talking about 3K a semester back in my days...but yeah I had a mortgage for 2 years and paid that shiz off. I wish I could have done it out the gate but that was not to be. It is a hell of a good feeling.
Also, fuck yeah. Take that bucket of crabs and cook em up! Yum!
cornerslide
> PS9
04/13/2015 at 06:04 |
|
I work in customer service. While I do well and actually enjoy what I do I still never ask people THE question. How are you? If I do I keep meeting the same people you're talking to. For some reason some people seem to be empowered by thinking they know what's wrong and expressing it. Making an impression really comes from the solution.
4muddyfeet - bare knuckle with an EZ30
> PS9
04/13/2015 at 06:22 |
|
Bucket O' Crabs
That's what I used to call my ex-girlfriend.
Leon711
> PS9
04/13/2015 at 06:34 |
|
if on it was a bag o'crabs
LongbowMkII
> PS9
04/13/2015 at 08:02 |
|
what job takes 3k of training and lets you save tens of thousands of dollars per year (for a CHEAP house) right out of training?
davesaddiction @ opposite-lock.com
> PS9
04/13/2015 at 10:01 |
|
other people = morons
Chuck 2(O=[][]=O)2
> PS9
04/13/2015 at 12:43 |
|
Couldn't agree more.
$1 more an hour doesn't sound like much, but guess what, the value of lower levels of education is dwindling. Invest in yourself, though you should actually like what you are going to do and see a future in it. Like, law school, for example, is not a great choice unless you are at the top of your class. Way too many people going for it and flooding the market. Doesn't help that you can shit out a degree at an online college.
The rent v mortgage argument is a scary one that still leaves me perplexed. I'm 20, but damn am I old school (just look at my car). I believe in owning property, land and houses. You can fall back on equity, not that you want to, but it's an asset. You aren't paying for someone else's mortgage. So, IF you find a decent house, in the right area at a decent time in the business cycle, and you don't mind settling for a few years, buy it. *Note - do not buy things you can't afford. I have to assume you know this, which puts you in the 1% of American's with fiscal common sense. And kudos to you for wanting to deal with a mortgage. Rates are going up again and the whole process is a pain in the ass. My mom is a real estate agent, ask my how I know. I graduate this December and I'd like to find a decent job (hopefully an economics degree is worth something in DC or Baltimore), live at home for a year or two, then pay for as much of the house as I can up front. And, I will make sure I can pay it off early, penalty free. That's just more bullshit.
Yah, glad to hear another person has their stuff together. Now, go steam up those crabs. You're from Maryland, right?
|
PS9
> LongbowMkII
04/13/2015 at 13:55 |
|
Any job that requires a skill and/or certification. Pretty much every municipality ever has some kind of public technical school that offers job training and placement for a fee. Can't say whats available in your area, but I do know whats available in mine.
As for the 'saving tens of thousands of dollars'...well thats up to you, isn't it? If you celebrate your new found upward mobility by wearing your bank account on your sleeve and loading up on bills and debt, the 'saving' part is obviously not going to happen. But thats a choice, not a requirement. Live far enough beneath your means, and you may save enough to purchase something great you couldn't afford any other way.
|
LongbowMkII
> PS9
04/13/2015 at 14:12 |
|
condescending much? FYI I have purchased something great. Didn't pay cash, but being homeless wasn't a great option either.
There's no problem in bettering yourself, but your goal of paying for a house in full in just a few years is unrealistic. Unless I have your timescale wrong.
I hope it works out for you.
|
PS9
> LongbowMkII
04/13/2015 at 15:49 |
|
"condescending much?"
How on earth was any of that condescending?
|
LongbowMkII
> PS9
04/13/2015 at 16:06 |
|
the tone at the end where you insinuate I haven't saved for anything nice. Maybe you meant you in a general way, but it seemed directed.