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Money?

posted by Avistew on - last edited - Viewed by 669 users

Is money an inappropriate subject?
I like talking about money. I find it relaxing. I was wondering if other people were in the same case and would like to talk about it.

I know it's often taboo (you're not supposed to ask people how much they earn or stuff like that) but I wasn't sure if it's considered controversial enough to be, well, something to avoid talking about on forums.

Either way, if anyone else is interested, here is a money subject. Well, for now. Who knows what it's going to turn into.

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  • That sounds pretty bad.

    I get annoyed at how help is always counted depending on how much your parents earn. I know lots of people who don't get any financial help from their parents, yet because their parents earn over a certain amount, they won't get help from the government either, it's stupid.

    I'm "lucky" enough that I'm not studying so I don't have to worry about any of that. My husband is following a degree paid by his job but it's only one credit at a time, so it's going to take 6 or 8 years for a two-year degree, so we're trying to save up so he can take a few extra degrees that we'll pay for and he'll be done earlier.
    Right now I'm not sure if it will be worth it though. Will he get a pay raise high enough that it will pay for itself? If he can finish two years earlier but in two years the difference in pay didn't cover the credits, then is it still worth it?
    But yeah, his job is helping with that. Which is good, since he's wanted to take that degree since before we met but could never afford it.

    The other thing is that I'm worried taking extra credits would be too much for him. He already works 18-hour shifts and with that single class I can see how the homework and classes are taking pretty much all of his free time, I can't really see how he could take extra classes on top of that...

  • @PecanBlue said: Also you're forced into 5 classes per term. (this is one of those schools where they want to get students out as fast as possible, you see)

    Fast? Weird. At my college (Which is in fact, a University, but I'm an undergrad) five classes per term is the norm. And the career is 6 years long. And.. about the 1/4 part of my generation is going to get the actual Title, with luck (Half of them is already out without finish, the other part graduate in a shorter or a totally different degree).

    Well... I'm in the University, as already you can read, and I'm living in an apartment near to my university. I didn't have an actual choice, because I'm originally from an small town, and, if I have to study a good career, is has to be in a good university. Thanksfully, I'm in those universities we call Traditional, in which what you have to pay is in fact "cheap" compared to those universities we call "Private", which are expensive. Really expensive. (By the way, we call college and universities with the same name, university. If you ask).

    It's not like my parents have a ton of money, but they have more money than the norm. Enough for buy the aparment I'm living with my sister now and enough to not have to think for those universities' costs.

    Yeah, sound awesome. Woo hoo.

    To be frank, and even my parents always had enough money for that, I never get always what I actually want. I could only get gifts, meaning toys or video games, at christmas (Or my birthday. If I don't celebrate my birthday). I never got an actual pocket money or whathever until I get to college. And my parents always talk to me about the troubles they have in their work. Good and bad parts.

    There's also the guys which are my friends. I have those guys which were the first to go to a college in their whole family (In fact he was the first to finish the school!) and, been smart enough to stay here and get a Master or been a Doctor, he decided to finish the career as soon as he can and get job so he can help his family. I have another one who decided to stop study and get a job for help to his siblings to study. And there's the other one who decided to get a job so his parents, who were unemployed at the time, do not have to pay for his trip to the college (Even he already had financial aid).

    And there's me. Who's around those guys and, when we were in the first years, I had the communitary cellphone, who buys the snacks when we went to play Pen and Paper rol play, and even I asked my parents permition to use the house at the beach (Yeah, they have one of those) for stay around a week sometimes, supposenly, playing rpg. But those, in fact were my parents who were paying it. And I KNOW that.

    Just recently I started to win some money by creating the Zazzle Account and by doing some jobs programing web pages. I use all those money for my stuff (In fact, I started the Zazzle Account for buy S&M S3 =P) but I know I can't to just go and start to produce and say I will start to worry for the bills and everything before get graduate because I also know my parents are gonna kill me. Why? Because they are working hard for see me out of the college with a good education, with a good degree and without any debt because they can do that. And if they can do that, they will do that.

    It's not like I'm complaining for complain (I know my friends, they had much worse than me) but for some reason I always wondered if I deserve that luck. My mom told me once I must probably been the only person in the world who's ashamed for have money, and probably, I am, but I always in awe for those people who can get what they propose by using sheer motivation and brains. Maybe because I'm seeing my parents doing exactly that. Also, they love my friends because they do exactly that. That's why I could be the snack supplier, the telephone service and the vacation resort in the first years and my parents never complain (Including the fact they always buy the meat for the barbecue and have some friends ashamed because my parents can do that, and they will). I never have troubles with money, because my parents, in good on bad times, they always provide, but also they went to be sure I know what that money means (And by the fact I always have to save or win the money (Or wait for christmas) for get what I want if weren't necessary clothes or something like that).

    I have to admit I have also that stupid instinct of consumist of buy the stuff I like. Like the computer I had right now, or the S&M S1 for less than the value of an episode (Which, thanks god, went to a gift for a friend who likes old adventure games ;) ) or go to the movies 2 times a year, but, at the same time, I don't go and use a ton of money in stuff just because I can use it. And I keep wondering if I'm actually doing worth for that luck (I mean, my career is 6 years long, and I'm in my 8th year in the university... dammit!)

    If this whole wall of text do not have any sense, I'm sorry, I'm natural spanish. And probably will not have any sense in spanish either, so, double sorry.

  • @GinnyN said: Fast?

    Yes, fast. 3-4 hours per class + 11-week term + 5 classes per term = completed within two or three years. One school that does this to horrible extents is Fullsail.

  • Money's so *bleugh* though. Ye earn it, ye save it, ye spend it what's there to say?

  • @PecanBlue said: Yes, fast. 3-4 hours per class + 11-week term + 5 classes per term = completed within two or three years. One school that does this to horrible extents is Fullsail.

    I'm just saying 5 classes per term is normal at my university. I get to know guys who takes like 9 classes per term because they are doing 2 careers at the time and they get them in time. Those are weird. There's other who takes 7 or 8 classes per term because they want to get fast out of there. And, with luck, they got one half of a year less. It's not like I'm saying you don't get too much work, but there's guys here who get much and much more work at once and they will be, like 6 years in college or more because is normal. The shorter one career here is 4 years, with 5 classes per term. You take less than that and you will get one more year here. In fact, even I'm already 8 years in the university, the normal time to get out with the career I'm studying is 9 years. (I got to knew a guy who started university when I started Primary School, in my first year of university and he still was an student).

    If you get a good career under that conditions, is paradise here. Really. I'm lucky because my parents can pay, but there's guys who actually are studying with a loan (Or that horrible scholarship which pay you everything but you can never fail course or get under a certain grade T_T) and they will stay in the university 6 years because that the norm. With 5 classes (And sometimes 6 classes at once) always because is not fast, is normal. Or at least in my university. Others are a bit more relaxed.

    It's hilarious because we can get all the jokes from PhD Webcomic and we're all undergrads. UNDERGRADS!

    (Then again, I'm not saying you don't get work or you aren't doing that fast. I'm just saying here we have almost the same amount of work and we don't get out in less than 6 years. 5 and a half if you are a some sort of martian)

  • I know it's normal... At a normal university.

    I'm not complaining that it's too much work, in fact I am supposed to take at least four classes to be a full-time student for my medical insurance. I am saying that they force you into it, and with four hours per class it gets hectic for students who need to make money and have families to take care of, especially with the constant shifting of schedules within two and a half months. (sometimes they just won't have a class at all for the time you need regardless of how early you register) It interferes with most work schedules and for that amount of money you are paying for the school, it sucks you can't make your own schedules like in other colleges. If you want to take two classes, you pretty much can't unless that's how much you need to graduate, it's pretty non-negotiable.

  • @avistew said: What I'm most curious about is what people spend their money on, if they have a budget, etc.

    For instance I read a figure that said you needs should be 50% of your income, your "wants" 30% and your "save" 20%.

    But I thought that was weird. I mean if you earn very little, your needs might be 90% of your income. And if you earn a lot, you're not going to suddenly need more stuff, and you should force yourself to live in a bigger place or something so it can reach 50%.

    I mean, I don't have an income at all and my husband doesn't earn much (although a bit more than minimum wage) and yet our needs are much less than 50% of our income, so I can't imagine how people who earn like 30,000+ a year would be able to spend 50% of that on needs.


    I like this posts so much i will never forget how much of my money i should spend and save. Believe me man, ill never forget this post.

    As of me, i spend my money right now on college. Right now i got $0. Which is pretty frustrating and uncomfortable, since i had to go to internship reviews in N.Y and Miami, and i saw how my savings dwindled to 0. Then because i didnt pass 1 of 2 qualifying tests for thesis and internship, i lost my student loan. So i had to rely on my girlfriend for money to help me pay the fee to retake the test i didnt passed for 2 pts.

    Well that has been the story of this semester, i also took the time to work and am currently awaiting my payoff. Man your post served as a way for me to vent off.

  • I'm not sure what you meant by "class". I only went to university for two years, and it was in France, when you choose what you want to study but then everything is compulsory.

    Let me remember the classes... or what we called classes (I studied English):

    GB Civ: 1h30
    US Civ: 1h30
    English > French translation: 1h30
    French>English translation: 1h30
    Literature: 2h30
    Linguistics: 1h
    Oral comprehension: 1h30
    Phonetics: 2h
    Methodology: 2h30
    French: 1h30
    Other language: 1h30
    Option: 1h30

    "Methodology" was analysing stuff, newspaper articles for one semester and literary texts for the other (classes are always year-long in France). "Oral comprehension" they would play audio material, such as short story read by someone, and then we'd answer test questions to make sure we understood everything. The option was to choose from a list that included things like "contemporary American literature" or "advanced linguistics".

    It was considered a light course because it only had 20 hours instead of 25-30. (But of course that doesn't include the time you're supposed to study from home. Exams can be on something that was never studied in class, part of the program is supposed to be studied on your own).
    Both years had the same classes, except for French that was dropped after the first year and replaced with 2h of another option to select from the list. The way I understood it, from the fourth year on (that is after you got your lowest degree) you could specialise. That was an added course of I think 3 or 4 hours in whatever you chose (you had to keep studying the rest).
    Then 2 years after that you got your master, and for the PhD it was different. But I never looked into that since I dropped out after the second year to move to Canada.

    I guess the main difference is your classes change every semester while ours are the same for the whole degree, or at the very least for a whole year.

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    puzzlebox Telltale Staff

    @avistew said:
    For instance I read a figure that said you needs should be 50% of your income, your "wants" 30% and your "save" 20%. [...] I can't imagine how people who earn like 30,000+ a year would be able to spend 50% of that on needs.

    Those figures are ridiculous, aren't they? I guess they assume that as you earn more, your "needs" change. If you're very wealthy you might "need" a 6-bedroom house with sweeping lawns, "need" to send little Crispin and Tabitha to boarding school, and "need" a new gelding for next week's polo match. :p

  • Since people have been talking about their financial lives...

    I'm from a wealthy family. Middle-class, maybe? I'm not quite sure. Both my parents are doctor by my mother stopped working pretty early to take care of her 4 kids, and only started working again recently. (Stupid, too. My dad would have enjoyed raising us better, and would have coped better with not working. Or they could both have worked half-time or something. Anyways).

    But my dad on his own earned enough that we sometimes went on holidays and stuff, and we had pocket money.
    I never got along with my mom, what with her insistence that we ruined her life by being born and forcing her to stop working (nevermind that she was trying to have us) or saying we should be thankful that we didn't have to pay a rent (that was before we were old enough to work).
    So I wanted to get the hell out of there as soon as I could.
    First though I tried an art school. It was pricey but my parents paid (it was their idea to begin with actually. My going to the art school, I mean). It was horrible, if I may say so. 90 hours a week (including the time spent at home on assignments) and assignments during vacations that caused us to keep that rhythm. I didn't last more than the first year. And didn't sleep most nights during that year.
    Then I took a part-time job (4 hours 6 days a week, so 24 hours altogether) while studying English in university. Did that for two years, the second year I met my husband and left for Canada for a year.
    Then I came back, studied some Japanese but it was too slow for me so I stopped, found a full-time job (minimum wage kind of thing), married my husband (who couldn't find work) and got stressed out.

    Then we moved to Canada and now he's the one who has a job and I'm the one who doesn't.

    Can't say I've ever really had money trouble. When I had my parents I could have asked them if I had needed money, and now, well I just don't spend that much. Although I constantly worry we're not putting enough aside for retirement or things like that.
    I've never been super-rich (although we did have two cars for a year, because my dad needed his to go to work and my mom was using the other to get us to school. I don't think many families can afford to have two cars so we must have been rich enough), but I've never been super-poor either (one of us of my husband or me always worked so we were never without an income at all, except sometimes for a couple of months between jobs and the like).

    So I guess I don't really know what it's like on either end of the spectrum.

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