I just confessed to my parents

[imported_Mike]

Originally posted by: RyanSengara

Originally posted by: CarpeDeo

Originally posted by: RyanSengara

Originally posted by: johnjbruin

Originally posted by: RyanSengara

Originally posted by: Colt45
im kind of curious what you got in debt on?

good message though, i like to buy things with cash, in full. one less thing to worry about.

Normally I do pay with things in Cash, it's the east indian side of me.

As far as what kinda debt I got into.. lets say I got into a car crash, car hit a house, insurance wouldn't cover type of thing.

ouch! why isnt insurance covering it?

Because it couldn't be proven that it was a mechanical failure, in reality Acura RSXs have loose ebrakes, and the cord should be tightened. I learnt that a little bit to late.

You have (had?) your own Acura RSX??

I have an Acura RSX, sitting uninsured in my parents basement. My parents won't let me sell it to pay for this stuff as they bought it for me.

wow, selling a car to pay of your debt? You got into some major debt then. I thought maybe you ran up your CC(s) and were stuck paying the minimums every month.

 

[Googer]

Originally posted by: RyanSengara
How bad of a feeling is it? Terrible.

I'm a person with alot of pride, and I just learnt how difficult it is to admit to yourself that you're in alot of trouble.

I've spent my entire life saving every penny, only to have it squandered in some stupid juvenile mistakes.

People I have a few recommendations for you all so you never reach the point where I am..

1)If you go to the grocery store and figure that you buy groceries takes up 1/10th of your bank account.. go get help.

2)If you can't sleep at night because you're worried about how you're going to get through the next week.. go get help.

3)If your putting off buying medications, utilities, (first of all pay your utilities so your credit won't be crap) and get help.

The last 6 months of my life have been financial hell, and don't ask why. I've finally confessed to my dad the true extent of my financial sh!tter, and am praying he doesn't go crazy and tell my mother, who will probably sit in her bedroom and cry.

People, don't ever go into debt.

Originally posted by: rmrf
you are a true american.

You should leave your parents out of this, if you are a person of pride then you will work hard to pay this off. In the end you will feel better about your self. Call one of those debt consolidation places. From what I hear they relly do help.

 

[Googer]

You are a true American, are you obese too?

 

[OVERKILL]

Originally posted by: Googer

You are a true American, are you obese too?

who cares if he's obese or not, at least he had the balls to come online and admit
he fugged up.
Good luck to ya Ryan.

 

[kranky]

You're doing the right thing. Sometimes we need a little help and there's nothing wrong with that. All it takes sometimes is for one glitch to pop up like your insurance situation.

Better to ask for help and get your financial situation back on track then to do what one of my friends does - keep screwing up year after year until he'll never get things under control. He'll complain to me about not having enough money, yet he takes his family to the Dairy Queen twice a day(!). When I point out where he's wasting money, he just tells me "Shouldn't I be able to do anything I enjoy?" Yeah, $300 a month on ice cream is real smart, so it's no wonder why your car got repo'd.

 

[RbSX]

Originally posted by: CheapArse

Originally posted by: RyanSengara

Originally posted by: CarpeDeo

Originally posted by: RyanSengara

Originally posted by: johnjbruin

Originally posted by: RyanSengara

Originally posted by: Colt45
im kind of curious what you got in debt on?

good message though, i like to buy things with cash, in full. one less thing to worry about.

Normally I do pay with things in Cash, it's the east indian side of me.

As far as what kinda debt I got into.. lets say I got into a car crash, car hit a house, insurance wouldn't cover type of thing.

ouch! why isnt insurance covering it?

Because it couldn't be proven that it was a mechanical failure, in reality Acura RSXs have loose ebrakes, and the cord should be tightened. I learnt that a little bit to late.

You have (had?) your own Acura RSX??

I have an Acura RSX, sitting uninsured in my parents basement. My parents won't let me sell it to pay for this stuff as they bought it for me.

wow, selling a car to pay of your debt? You got into some major debt then. I thought maybe you ran up your CC(s) and were stuck paying the minimums every month.

No I could sell my car and have 15,000 dollars.

I currently go to school across the country, and I don't have it anyways. It sits in the garage for 9 months of the year.

 

[imported_Mike]

You should leave your parents out of this, if you are a person of pride then you will work hard to pay this off. In the end you will feel better about your self. Call one of those debt consolidation places. From what I hear they relly do help.

lol, he should have pride admitting he has a problem and taking the right steps to fix the problem. Why does it matter where the help comes from. Did you say that because your parents never helped you out?

 

[RbSX]

Originally posted by: CheapArse

You should leave your parents out of this, if you are a person of pride then you will work hard to pay this off. In the end you will feel better about your self. Call one of those debt consolidation places. From what I hear they relly do help.

lol, he should have pride admitting he has a problem and taking the right steps to fix the problem. Why does it matter where the help comes from. Did you say that because your parents never helped you out?

Yes I should leave my parents out of this and create a bigger disaster.

I could divide my time, take on a full time job, and try and study, and expect to do extremely well in both.

I'd rather try and ask my parents for help rather than burying myself further.

Be constructive not destructive.

 

[SuperSix]

Have you been working during this financial downfall?

Oh.. and LEARNT is NOT a word!

 

[iamwiz82]

Originally posted by: Googer

You are a true American, are you obese too?

Jesus Freaking Christ, he isn't even American! How can you be so goddamned dense? Not only did he post that he wasn't, it's in his profile.

 

[iamwiz82]

Originally posted by: RyanSengara

Originally posted by: johnjbruin

Originally posted by: RyanSengara

Originally posted by: Colt45
im kind of curious what you got in debt on?

good message though, i like to buy things with cash, in full. one less thing to worry about.

Normally I do pay with things in Cash, it's the east indian side of me.

As far as what kinda debt I got into.. lets say I got into a car crash, car hit a house, insurance wouldn't cover type of thing.

ouch! why isnt insurance covering it?

Because it couldn't be proven that it was a mechanical failure, in reality Acura RSXs have loose ebrakes, and the cord should be tightened. I learnt that a little bit to late.

The whole point of insurance is to protect against accidental and sudden issues, why won't they cover it? Are things different in Canada?

 

[Pepsei]

the problem is, once you're used to your previous opulent lifestyle, it's hard to go back to what it was before.

i remember that i used to survive on mcdonald's food back in the college days... and the trick not to gain weight is to skip the dinner, and eat a late lunch. no, i don't think i can go back to that kind of cheap lifestyle.

 

[Inspector Jihad]

i dont understand the western concept of letting your child work his way thru college...in indian culture, parents help the child thru college with payments...and the children usually take care of the parents once they get older...its an awesome system that works for both sides and creates strong and healthy relationship between parents and children...and adn this doesnt make the kids less hard working if you've brought them up right...i wonder if other eastern cultures also do this?

 

[Tiamat]

Thats bullsh1t. The insurance company should have covered that. Hopefully your parents can give you a temporary jump start. If you have the extra time and patience, chase the insurance company buy getting some facts about the car.

 

[Elbryn]

Originally posted by: RyanSengara

Originally posted by: CheapArse

You should leave your parents out of this, if you are a person of pride then you will work hard to pay this off. In the end you will feel better about your self. Call one of those debt consolidation places. From what I hear they relly do help.

lol, he should have pride admitting he has a problem and taking the right steps to fix the problem. Why does it matter where the help comes from. Did you say that because your parents never helped you out?

Yes I should leave my parents out of this and create a bigger disaster.

I could divide my time, take on a full time job, and try and study, and expect to do extremely well in both.

I'd rather try and ask my parents for help rather than burying myself further.

Be constructive not destructive.

in school and trying to pay for everything yourself is an admirable goal. however you also have to be realistic and know that you're spreading yourself too thin, working enough to pay for school in total and do well at the same time. Having to take school loans is not a terrible thing. The interest is differed and tax deductible. school loans are much different than say a loan for a car. As long as you can keep the mindset that the loan is something you have to payback and not squander it you'll be ok.

 

[moshquerade]

Originally posted by: RyanSengara
How bad of a feeling is it? Terrible.

I'm a person with alot of pride, and I just learnt how difficult it is to admit to yourself that you're in alot of trouble.

I've spent my entire life saving every penny, only to have it squandered in some stupid juvenile mistakes.

People I have a few recommendations for you all so you never reach the point where I am..

1)If you go to the grocery store and figure that you buy groceries takes up 1/10th of your bank account.. go get help.

2)If you can't sleep at night because you're worried about how you're going to get through the next week.. go get help.

3)If your putting off buying medications, utilities, (first of all pay your utilities so your credit won't be crap) and get help.

The last 6 months of my life have been financial hell, and don't ask why. I've finally confessed to my dad the true extent of my financial sh!tter, and am praying he doesn't go crazy and tell my mother, who will probably sit in her bedroom and cry.

People, don't ever go into debt.

you're learning from your mistakes.
we all have. don't be too hard on yourself. some people never learn from their mistakes.

 

[casper114]

Originally posted by: RyanSengara

Originally posted by: rmrf
you are a true american.

I'm not american first of all, and second of all I didn't have that much money to spend to start off with. It takes very little for a person like me to get pushed over the financial edge. I'm a college student paying for his own tuition.

quit your whining, I pay my own tuition and if i fvck up my parents are dead so I don't have anyone to run to!

 

[meltdown75]

Originally posted by: RyanSengara

Originally posted by: CheapArse
were you dd?

No I wasn't. My parents would have killed me if I ever did anything under the influence. I don't even drunk.

My car was parked on a hill, the e-brake cut out and ran into a house. Insurance didn't think it was so accidental.

i don't drunk either. *hic* *swig swig swig* :beer:

don't worry dude. you'll get some money especially if you are as conscious about it as it seems. debt is inevitable isn't it? (don't say that too loud around here!) i don't know... i suck at money but i thought at least if you are in certain types of debt you can build up a better credit rating once everything is paid off.

 

[rh71]

Originally posted by: Inspector Jihad
i dont understand the western concept of letting your child work his way thru college...in indian culture, parents help the child thru college with payments...and the children usually take care of the parents once they get older...its an awesome system that works for both sides and creates strong and healthy relationship between parents and children...and adn this doesnt make the kids less hard working if you've brought them up right...i wonder if other eastern cultures also do this?

I've been saying this for awhile now... in a lot of American homes, the child either gets kicked out at 18 (awesome parenting!) or the kids are so annoyed at their parents (or maybe just the stigma of staying at home) that they want to leave ASAP... with hardly any financial stability. Not a good system.

In my opinion, if the chance exists... stay home for a few years even after you graduate college + work full time... that way you'll save enough money to buy your 1st home at around 25-27. Even faster if your significant other is in the same boat.

 

[radioouman]

Originally posted by: rmrf
you are a true american.

Canada is part of North America

 

[iamwiz82]

Originally posted by: rh71

Originally posted by: Inspector Jihad
i dont understand the western concept of letting your child work his way thru college...in indian culture, parents help the child thru college with payments...and the children usually take care of the parents once they get older...its an awesome system that works for both sides and creates strong and healthy relationship between parents and children...and adn this doesnt make the kids less hard working if you've brought them up right...i wonder if other eastern cultures also do this?

I've been saying this for awhile now... in a lot of American homes, the child either gets kicked out at 18 (awesome parenting!) or the kids are so annoyed at their parents (or maybe just the stigma of staying at home) that they want to leave ASAP... with hardly any financial stability. Not a good system.

In my opinion, if the chance exists... stay home for a few years even after you graduate college + work full time... that way you'll save enough money to buy your 1st home at around 25-27. Even faster if your significant other is in the same boat.

The people who stay until they are 25 are so unprepared for the real world that I'm amazed they can wipe their own butts. I was out of the house by 18 (my choice) and never looked back.

 

[halik]

Originally posted by: RyanSengara
How bad of a feeling is it? Terrible.

I'm a person with alot of pride, and I just learnt how difficult it is to admit to yourself that you're in alot of trouble.

I've spent my entire life saving every penny, only to have it squandered in some stupid juvenile mistakes.

People I have a few recommendations for you all so you never reach the point where I am..

1)If you go to the grocery store and figure that you buy groceries takes up 1/10th of your bank account.. go get help.

2)If you can't sleep at night because you're worried about how you're going to get through the next week.. go get help.

3)If your putting off buying medications, utilities, (first of all pay your utilities so your credit won't be crap) and get help.

The last 6 months of my life have been financial hell, and don't ask why. I've finally confessed to my dad the true extent of my financial sh!tter, and am praying he doesn't go crazy and tell my mother, who will probably sit in her bedroom and cry.

People, don't ever go into debt.

Here's a two step processs:
1) Get a Job
2) Stop spending cash on stupi sh!t


Why is it that people have trouble staying outta debt in this country? Honestly?

 

[mAdMaLuDaWg]

Originally posted by: halik

Originally posted by: RyanSengara
How bad of a feeling is it? Terrible.

I'm a person with alot of pride, and I just learnt how difficult it is to admit to yourself that you're in alot of trouble.

I've spent my entire life saving every penny, only to have it squandered in some stupid juvenile mistakes.

People I have a few recommendations for you all so you never reach the point where I am..

1)If you go to the grocery store and figure that you buy groceries takes up 1/10th of your bank account.. go get help.

2)If you can't sleep at night because you're worried about how you're going to get through the next week.. go get help.

3)If your putting off buying medications, utilities, (first of all pay your utilities so your credit won't be crap) and get help.

The last 6 months of my life have been financial hell, and don't ask why. I've finally confessed to my dad the true extent of my financial sh!tter, and am praying he doesn't go crazy and tell my mother, who will probably sit in her bedroom and cry.

People, don't ever go into debt.

Here's a two step processs:
1) Get a Job
2) Stop spending cash on stupi sh!t


Why is it that people have trouble staying outta debt in this country? Honestly?

Read the thread dumb@$$

 

[Montano]

sorry

 

[moshquerade]

Originally posted by: Montano

Originally posted by: RyanSengara

I'm not american first of all.

Then take your sorry ass back where you came from !! If you have no love for the US, then get out.

"America, love it or leave it"

can i subscribe to your newsletter?