Hey ladies and gents! 32-year-old failure here. I'm broke as all hell and I've been struggling the last 7 years. I'm more than likely going to get evicted at the end of the month, so that's cool. Anyhow, just curious if anyone here could help me dig my way out of this hole.
I make about $1500 a month after taxes. My rent is $1200 since Vancouver is expensive to live in. I'm left with $300 which goes to insurance, gas, feeding my lovely dog and myself. I don't even own a phone anymore.
I know a lot of people make money online but I've failed at that many times over the years. I tried affiliate marketing, had a website, did some seo, cpa, and eventually fell into an MLM scam that Enagic runs which put me in debt for $2200.
I guess this is a cry for help. I'm just out of options and i have no one to turn to.
might sound crazy but stop living in a place that costs you that much in rent a month.. move to a different state if you have to but you're a dumbass putting up with 1200$ rent when it costs you such a huge % each month. dumbass you're to blame for being a failure and obviously to stupid to see the simple right in front of you fixes for it
lol at your entire rent going towards some chink who owns your condo through laundered money
Lucas Perez
kek
Easton Bailey
Even if i move away from the city it won't do me much good. British Columbia costs an arm and leg to live in. I could move to a different province but the the only way i could swing that is by dipping out on all my bills and bouncing, lol.
Brayden Gray
Live within your means. No more than 30% or ideally 25% of your income should go toward rent. Downsize/move or make more money. That negative balance in your account is the universe's way of telling you that you need to make a major change either way and make it very quickly.
Since the apartment seems to be the biggest expense you should try to live somewhere cheaper, perhaps even in your car if you don't have a place, you could try using sites like mTurk to earn a few hundred dollars more a month in your free time, you just need to maximise your earning rate but mTurk suite is already a very powerful tool to start with if you need a pointer, also if you manage to save a bit here and there you could start to create a fair investment portfolio, it's probably going to be hard and need time but you can do it with enough will
well guess its back to your parents basement while you save up money. and yup when you move out from your parents later you might need to idk GET A JOB
Connor Myers
lower your expenses, 80% of your money goes to paying rent is the main reason for your predicament. Secondly, if you can't trade, invest in assets e.g. stocks and crypto, obviously don't leverage. You can look at dividend paying stocks, give you the benefit of investment and you get some annual pocket change from your holding.
Dylan Nguyen
You're right. It's my fault i got ditched by my parents in a 3rd world country for 12 years. Its also my fault that when i finally got back to Canada i was molested for 4 years by my uncle. Its my fault for also living in a crack shack with the forst family that i had absolutely no choice in picking. Its all my fault that im a barely functioning adult.
Adrian Phillips
I don't understand why everyone assumes i'm not working when my low ass income is literally in the OP...
Camden Turner
did you try to kill your self?
Connor Mitchell
Also, I don't understand how you even get to this point desu. I would start panicking if my savings dipped below a certain threshold. How much of a mindless fuckup do you have to be to even get to this point without having any plan whatsoever. Oh, now I see. Perpetual victim mentality. No agency.
>Its also my fault that when i finally got back to Canada i was molested for 4 years by my uncle. if you didn't want to get molested, you should have dressed differently.. people can't read minds, you have to communicate that you don't want to get raped through your clothing and/or with words.
Anthony Perry
Just took the easy way after literally getting fucked my entire life i guess. Now im fucking myself, crazy.
Joseph Stewart
get gov funding or someshit and get a trucking license. Start trucking job, sleep in cab with dog and just travel around
Nicholas Jackson
>dog >rent 80% of income >costs exceed 100% of income >bad income
Move and why the fuck do you have a dog
Ryan Thomas
My dog is my bff. She eats better than i do, lol.
Thomas Scott
as everyone else in this thread has already said, move the fuck out of Vancouver.
I lived there for 5 years and you will absolutely bleed your savings unless you have a good job. Move to somewhere like Calgary with a great cost of living.
Carter Hughes
It's okay. If anyone touches me now ill be touching them back harder, hue.
I'm probably going to head up north. All i need to work the rigs is my H2S. It takes literally 1 day to get. I'll probably dine and dash on my bills and catch a bus up north.
Gabriel Barnes
Haha cute
Nicholas Gomez
Half white and half a race i don't care to mention.
Jordan Evans
Another 50 cents and i could get a large double double. I'm living large!
You need to do the hard work of actually creating a budget, assessing all of your debts/recurring payments, and setting realistic small goals. $300 a month sucks to live on, but its easier when setting a budget on it anyway. Can you find a safe way out of the lease without eating the deposit? You just may have enough room to move if you can. Can you sublet out a room for a few months? Other than that, it seems like you are just trying things and stopping when it isn't your lottery ticket. Results are rare the first time anyone tries something. I'm not saying you should have stuck with the MLM scam for a moment longer, that's a separate issue. Success does not come from acts of desperation. Desperate men only find success when they no longer are so, this has nothing to do with money.
post hand with timestamp and i'll throw you a few link
Tyler Torres
Keep your job but ditch your flat. Live for free with parents, friends or in a trailer. Or become a hobo and go to a hostel twice per week.
Carter Bennett
Lol you act like you’re the only one We’re all fucking victim. The only difference is we realized and own our problem. Wake the fuck up faggot or kys worthless shithead
Eli Williams
I'm too old. People tell me to become a personal trainer but its literally just therapy at this point.
Adrian Hall
Kek. Buy a van and live in that. $1200 a month is crazy steep for rent. Mind you, I have half a mil mortgage and pay more a month to live in my own home lol
Sigh. fuck this world. God I hope I make it in Crypto
Charles Cook
Too poor for sharpy. Can't draw on my hand with the pen, lol.
>i finally got back to Canada i was molested for 4 years by my uncle.
I would have only let myself be molested for 3 years max, I have standards
Sebastian Wood
You fucked up a long time ago. You're not going to like the answer, but it is
1. move out of Vancouver 2. get a job 3. stop buying pets
Hudson Rodriguez
I figured I'd give him an extra year just to be polite. I am Canadian after all.
Nathan Ortiz
You should stop being a victim saying im to poor for this, I can't do this etc youre psychologically reinforcing self hate, its causing mental weakness. You are grown up now so time to restart your life. You obviously have some drive as you are FIT. Just not mentally fit right now.
I appreciate the advice. My backs against the wall so really, the only way out of this mess is to move forward.
Juan Reed
You need a different living arrangement. Find a roommate or something.
Brandon Morris
get rid of your dog. seriously.
Christian Lee
Being fit is easy. Finding financial success isn't. Any baboon can lift weights and put them down. Even dieting can be figured out in less than an hour. Eat more than your maintenance calories and you'll grow, eat less and you'll lose weight. With no real education im just fucked for jobs. I'm stuck doing labor for 11-12 bucks an hour and schooling isn't an option when you have bills to pay. But yeah, mentally im not kind to myself but how can i be? I let my life go to shit.
Jordan Bell
Learn a trade
Dylan Jones
Just buy a used van to live out of and find a good spot to setup. Somewhere near your work & the gym you have a membership to (shower at the gym). I understand why you have a dog - can save you from mental despair. If you have a job, maybe you can leave your dog in the van while you work & take your dog for a walk during your lunch break and bathroom breaks. Dogs sleep for more than half their lives anyways. If it's a high energy breed you should exercise it for at least 30 mins twice a day just so it doesn't go insane. Always leave the window open a little to let air in, and always park in the shade unless its near or below snow temps. Don't fuck up or your dog will die in the van.
Camden Jackson
>I make about $1500 a month after taxes. My rent is $1200
sorry OP I'm going to have to file this one under "bruh"
Ethan Cook
I guess the suggestion about parking in the shade also depends on your dog's breed and size. Tiny dogs can get too cold, but dogs which are large and/or have thick winter coats should be fine long as it isn't 70+ deg (Fahrenheit) and in the sun
Nathaniel Gray
I work at CIBC. Let me help you out
Zachary Rodriguez
I laughed out loud. Fuckin canadians.
Asher Morgan
Unironically become a gigolo I'd pay for you to wank one off with me tbqh
Colton Thompson
get a roommate get a cheaper place move in with parents