I am bankrupt again

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Second time in as many months. I really just can't keep my money in my account. Two weeks to payday, too! Suggestions as to what I can do, anyone?

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 14:01 (twenty years ago)

Whoring, drugs, weapons, etc.

― Jimmy Mod Is Sick of Being The Best At Everything (ModJ), Sunday, 17 July 2005 14:03 (twenty years ago)

I've seriously considered all four.

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 14:06 (twenty years ago)

How do you whore drugs n weapons?

Actually, don't.

― Frogm@n Henry, Sunday, 17 July 2005 14:06 (twenty years ago)

Perhaps I should sell off all my posessions, barring obviously the bare minimum required to post to ILX

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 14:07 (twenty years ago)

Two words: Sugar Daddy.

― Paunchy Stratego (kenan), Sunday, 17 July 2005 14:10 (twenty years ago)

check out the local research or market projects, and see if any of them are hiring for guinea pigs.

seriously. this is once how i got beer money for an entire summer.

― kingfish (Kingfish), Sunday, 17 July 2005 14:11 (twenty years ago)

If you can afford a PC and internet, you're not too bad off, I would wager. Sell the PC, cancel your internet. Stop spending any money on vices, if you do. Stick to rent, bills and simple foods.

― Trayce (trayce), Sunday, 17 July 2005 14:12 (twenty years ago)

Sell the PC, cancel your internet.

Hahahaha. You are joking, aren't you?

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 14:14 (twenty years ago)

Seriously, Trayce, that's nuts.

― Paunchy Stratego (kenan), Sunday, 17 July 2005 14:16 (twenty years ago)

I mean, I don't have any disposable income, either, but GODDAMNIT if I don't have DSL.

― Paunchy Stratego (kenan), Sunday, 17 July 2005 14:17 (twenty years ago)

kenan OTM

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 14:18 (twenty years ago)

I thought you were legally insolvent (?) but apparently you're just *broke* and only two days from payday. That's nutting. So you just have to keep better track of your expenses and learn to save a bit for situations like these. :-)

― nathalie's body's designed for two (stevie nixed), Sunday, 17 July 2005 14:43 (twenty years ago)

err i think he said *weeks*, nathalie.

― toby (tsg20), Sunday, 17 July 2005 16:44 (twenty years ago)

Ah, but that's still not really that bad. Can't you go in red on your account anyway? If you have a credit card, it's quite easy to get some money.

― nathalie's body's designed for two (stevie nixed), Sunday, 17 July 2005 16:49 (twenty years ago)

Yes, and then next month you start off with less money that you would have had and it gets worse. Then you end up spending the same again and you have no money two weeks before payday PLUS a credit card bill you can't pay off.

My solution: Stay out of the pub! (note: I give myself this advice every month and I never listen to myself)

― ailsa (ailsa), Sunday, 17 July 2005 16:55 (twenty years ago)

sell yr indie rock cds to the record and tape exchange

― Ward Fowler (Ward Fowler), Sunday, 17 July 2005 17:03 (twenty years ago)

garage sale! i had a one 6 months back and, admittedly, i sold everything but my clothes, bed, tv and computer (i didnt really have any other furniture since id shared houses before that) and had $1800 cash in my hands by the end of the day. believe me, none of the stuff was new or expensive or great. you'd be amazed what yard sale shoppers will buy. its incredibly freeing too, getting rid of the crap.

― sunny successor (he hates my guts, we had a fight) (katharine), Sunday, 17 July 2005 17:39 (twenty years ago)

or indeed the same thing with ebay. i've been amazed at how much some stuff goes for (i nearly through a load of ancient mindiscs, but ended up getting £85 for them).

― toby (tsg20), Sunday, 17 July 2005 17:44 (twenty years ago)

Nathalie, yeah I am just broke, and have been before. I'm not sweating it that much, I've just got to live out and not spend for a short while. It's just been a bad couple of months which have really floored me financially. I *am* in the red, btw. I'm at the limit of that, too. Also, I'm less solvent on the credit card front than I'd like to be, too.

I'd like to sell some stuff, I really would, but I'm awful at actually parting with *anything* I own (seriously: I would think twice about selling the contents of my waste paper basket to someone). This comes back to why I'd gladly sell some stuff off.

Alisa basically OTM w/ regards to the pub. I need to stay right out of those places.

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 18:17 (twenty years ago)

live it out, obv

also, rearrange terrible grammar.

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 18:51 (twenty years ago)

Offer yourself up to some tv production company as a candidate for one of those make-over-your-life shows. Tell them exactly what you've told us and that you agree to abide by whatever they tell you to get rid of, you just can't do it yourself.

Also, once you start selling things on well known internet auction sites, you will become hooked on it and will start selling things you thought you were really attached to.

― accentmonkey (accentmonkey), Sunday, 17 July 2005 18:54 (twenty years ago)

I was deeply in love with my CD collection until the first sale on Amaz*n last fall; after that I couldn't put stuff up for sale fast enough. With blank CDs down to $20/100, I'm happy enough to keep the music and sell the containers.

― Rock Hardy (Rock Hardy), Sunday, 17 July 2005 19:23 (twenty years ago)

Also, once you start selling things on well known internet auction sites, you will become hooked on it and will start selling things you thought you were really attached to.

This is why I've refained so far.

― tissp! (the impossible shortest specia), Sunday, 17 July 2005 21:01 (twenty years ago)

I mean, I don't have any disposable income, either, but GODDAMNIT if I don't have DSL.

Tell that to an impoverished kid on the street, dude. Fuck, where's everyone's priorities anymore? I really *was* serious. If you're spending say $40 a month on DSL, thats $40 that'll get you a week or 2 grocery. You can go to a local net caff once a day to check mail and look for jobs etc.

― Trayce (trayce), Sunday, 17 July 2005 23:29 (twenty years ago)

I went without TV for 2 years let alone internet when i was broke.

― Trayce (trayce), Sunday, 17 July 2005 23:30 (twenty years ago)

It's $15 a month.

― Paunchy Stratego (kenan), Sunday, 17 July 2005 23:46 (twenty years ago)

I go without TV and I can afford it! Although actually when we moved into this apartment, we made a conscious decision for DSL over cable tv.

― Jordan (Jordan), Sunday, 17 July 2005 23:48 (twenty years ago)

Also, once you start selling things on well known internet auction sites, you will become hooked on it and will start selling things you thought you were really attached to.

This is so OTM. I started off just selling my old computers to buy the new one, now I'm looking at everything I own like "so, would it be cost effective to ship that to..."

My Ebay feedback has gone from the fifties to the eighties in a month. (ps buy my Criterions and old G4: EBay seller ID shoeboxford)

― milozauckerman (miloaukerman), Monday, 18 July 2005 00:42 (twenty years ago)

damn, you're not kidding about dumping the criterions!

― teh Nü and Impröved john n chicago (frankE), Monday, 18 July 2005 01:30 (twenty years ago)

more probably on the way. I'm only saving what Netflix doesn't carry or what I can't live without immediate access to.

― milozauckerman (miloaukerman), Monday, 18 July 2005 02:08 (twenty years ago)

Amazon is totally awesome to sell shit on. You won't believe how much some people are willing to pay for your old crap.

― TOMBOT, Monday, 18 July 2005 02:08 (twenty years ago)

tissp!, do you own your possessions or do your possessions own you? (/dr. phil)

― Rock Hardy (Rock Hardy), Monday, 18 July 2005 02:24 (twenty years ago)

The ones that talk to me as I sleep claim they own me

― tissp! (the impossible shortest specia), Monday, 18 July 2005 06:45 (twenty years ago)

I really just can't keep my money in my account

Tell me about it! i know my trouble though, all my friends earn at least twice what i earn. Trying to keep up with them on nights out, visiting other friends in London & Brighton, going for meals etc… is a struggle. I don’t know if anyone else has this problem?

― not-goodwin (not-goodwin), Monday, 18 July 2005 07:17 (twenty years ago)

The weird thing for me is that I'm actually paid really well for someone of my age. I just seem to expand to spend it all without realising. I just like new stuff too much, and I like visiting friends too much too. But I know what you mean, I always feel like I want to go out and do something every night, and I really just can't afford to.

― tissp! (the impossible shortest specia), Monday, 18 July 2005 08:15 (twenty years ago)

one year passes...

Hey, does anyone know if it is legal to write a cheque to YOURSELF? Assuming I don't get a long-delayed cheque from some cocks tomorrow, I will end up exceeding my overdraft limit and get a fucking £25 charge.

My solution is to write a cheque to ME. My bank (Barclays) lets me take out money on cheques immediately, but it shouldn't be charged to my account for a couple of days, by which time the money will be there to pay it.

Will the people at the counter spot this wheeze? Surely everyone would be up to this method of getting paid two days early if it could be done? BUT WHAT IS TO STOP ME?

― Eyeball Kicks (Eyeball Kicks), Wednesday, 6 September 2006 23:46 (nineteen years ago)

Banks are old in the ways of the world, my chickadee, and cannot be gulled so easily as that. They shall smite thee, hip and thigh, carving their generous (to themselves) overdraft charge directly from your nether regions, smiling all the while at your innocence. Try it and see.

― Aimless (Aimless), Wednesday, 6 September 2006 23:54 (nineteen years ago)

Isn't that called kiting? You want to be careful if it is.

xpost.

― David A. (Davant), Wednesday, 6 September 2006 23:56 (nineteen years ago)

If you were seriously going to try this, the least you could do is find another broke friend and write checks to each other.

― nabisco (nabisco), Wednesday, 6 September 2006 23:58 (nineteen years ago)

Yes, that is a better idea. (Although I don't see why the other person has to be broke.)

― Eyeball Kicks (Eyeball Kicks), Thursday, 7 September 2006 00:00 (nineteen years ago)

If you were seriously going to try this, the least you could do is find another broke friend and write checks to each other.

Wait, this is kiting!

― David A. (Davant), Thursday, 7 September 2006 00:04 (nineteen years ago)

$1,000,000 fine and 30 years in jail according to Wikipedia. Gulp.

― David A. (Davant), Thursday, 7 September 2006 00:05 (nineteen years ago)

I doubt I'd get that!

― Eyeball Kicks (Eyeball Kicks), Thursday, 7 September 2006 00:18 (nineteen years ago)

I've written cheques to myself before, but they process much faster than regular cheques. The first time I was told to do it by counter staff as my cashcard had been lost -- I made it out to "self" and she gave me the money.

― stet (stet), Thursday, 7 September 2006 00:34 (nineteen years ago)

I doubt I'd get that!

I always figure if you do worst case scenario, it all looks better after that.

― David A. (Davant), Thursday, 7 September 2006 01:18 (nineteen years ago)

My bank (HBoS) will immediately clear cheques drawn on their own accounts if you ask them - but they are put through as a transfer and the cheque itself is cancelled, so this trick wouldn't work in that case.

― Forest Pines (ForestPines), Thursday, 7 September 2006 06:50 (nineteen years ago)

See if a local supermarket offers a cheque-cashing service. Plenty of them used to. You get a couple of days grace before the shop banks the cheque, usually.

― Why does my IQ changes? (noodle vague), Thursday, 7 September 2006 09:21 (nineteen years ago)

The first time I was told to do it by counter staff as my cashcard had been lost -- I made it out to "self" and she gave me the money.

I thought you just write "cash" on "made payable to" line? Isn't this the way everyone used to get money from their bank accounts before the advent of ATMs? Perhaps it's more difficult now as all cheques are pre-crossed, i.e. the funds can only be deposited in another bank account held by the person stated on the "payable to" line ("payee a/c only").

I think I'm beyond broke and closer to bankrupt, to be honest.

― Michael Jones (MichaelJ), Thursday, 7 September 2006 09:29 (nineteen years ago)

thirteen years pass...

its the week for it

― Banáná hÉireann (darraghmac), Tuesday, 7 January 2020 01:00 (six years ago)

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