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  1. #31
    Registered User WeBoutDat's Avatar
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    Harsh misc kicking a guy when he’s already down...
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  2. #32
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    Originally Posted by WeBoutDat View Post
    Harsh misc kicking a guy when he’s already down...
    lol was thinking the same thing

    bunch of people coming in to pat themselves on the back
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  3. #33
    Positive Mental Attitude Aristotelian's Avatar
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    Originally Posted by lilbloaty View Post
    I spent it all on dumb chit...I'm not used to being broke.
    Poors gonna poor. Hope you can pay your rent at least.
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  4. #34
    我学习汉语 Bigdumogre's Avatar
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    My job told me to take 6 weeks off with full pay. Feels so good having a great job
    (Don’t even have to use my time either win win)
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  5. #35
    Registered User Jestbrah's Avatar
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    Originally Posted by WeBoutDat View Post
    Harsh misc kicking a guy when he’s already down...
    half of them will be just as fuked as OP in a month

    Their job security is just as secure as everyone elses was a month ago. Lets see what happens when there is a real lockdown and they arent in a REAL essential service and getting paid still and when the economy crashes and layoffs begin across the board even in essential fields.
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  6. #36
    Registered User Stephen109's Avatar
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    Before the Chinese virus came to town I was told by some I am one of the very few who has the discipline to have a revolving credit mortgage

    As a result I've got enough sitting in it to live 2 years comfortably without a pay cheque which is very reassuring. If I needed to live off my revolving credit sure I would regress on a lot of the progress I've made but it sure beats having sleepless night wondering how I can pay the bills.
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  7. #37
    I like turtles 🐢 nn586's Avatar
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    u srs? dont you know every miscer has a recession proof $500k/yr job ?
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  8. #38
    Registered User PisseninMisc's Avatar
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    No, but still stressed about making sure we don't have to let anyone go and making payroll. If and when the time comes may trim some fat, but as of now trying to make sure everyone is fed during these tough times. It's one of the reasons I'm committed to the people at the current firm, they didn't fuk people over when chit hit the fan in 2008 and don't plan on doing so now. Obviously if it comes down to keeping the doors open some decisions would have to be made, but we can take some serious damage to the profit margin without making people rely on unemployment.

    Originally Posted by Jestbrah View Post
    half of them will be just as fuked as OP in a month

    Their job security is just as secure as everyone elses was a month ago. Lets see what happens when there is a real lockdown and they arent in a REAL essential service and getting paid still and when the economy crashes and layoffs begin across the board even in essential fields.
    Part of it is idiocy, part of it is lack of character. Most of the time it's a combination of both. One of the silver linings of these tough times is it provides a pretty fool proof measure of where people (and companies) stand. I learned a lot about how to deal with people (and about myself) when chit hit the fan 10 years ago. Those life lessons are priceless, and I feel fortunate to have learned them already. This crisis will be when I implement all the moves that I wish I was capable of the time before, both for making gains personally and to do my best to help those around me, including family, friends, staff and clients. Most people believe the aforementioned two goals are often at odds; one of the most important lessons during the last recession was that they can be very much aligned, specially during dire circumstances. Of course you have to have the vision to see where those opportunities align and take advantage accordingly, but those scenarios most definitely exist.
    Last edited by PisseninMisc; 03-23-2020 at 05:15 PM.
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  9. #39
    lulzing jackamo2887's Avatar
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  10. #40
    Registered User arod204's Avatar
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    Why did you blow money 6 weeks ago? They locked down Wuhan (city of 10m) 3rd week of January. You didnt see it coming?

    Just throw hands at the bill collectors and good luck. We are all gonna make it.
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  11. #41
    Registered Offender Erey350's Avatar
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    Originally Posted by lilbloaty View Post
    I'm def gonna fall behind, which is annoying because I run an online business and only like 6 weeks before this chit I had fat stacks of cash in the bank.

    However I spent it all on dumb chit because my profit was growing rapidly and I knew I'd make it back. Worst timing ever.

    I have plenty to stock up on food and chit but still, it's stressful af. I'm not used to being broke.
    Na im sweet
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  12. #42
    Registered User WeBoutDat's Avatar
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    Originally Posted by Jestbrah View Post
    half of them will be just as fuked as OP in a month

    Their job security is just as secure as everyone elses was a month ago. Lets see what happens when there is a real lockdown and they arent in a REAL essential service and getting paid still and when the economy crashes and layoffs begin across the board even in essential fields.
    That’s why I don’t find this chit funny or a time to brag about having some savings. I have 2 friends that own restaurants and know plenty of people that are all of the sudden not getting a paycheck. I’m still employed in a borderline essential industry but I don’t for a second think I’m any better than those that are fukked right now. Just one of the lucky ones this time around.
    Last edited by WeBoutDat; 03-23-2020 at 05:45 PM.
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  13. #43
    Registered User tunafishha's Avatar
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    What that mouth do op?
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  14. #44
    Sic semper tyrannis ExPatriot's Avatar
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    Originally Posted by hoganrulz View Post
    Rip op. The memory of being dirt broke haunts me.
    By far my greatest fear in life - more than health issues TBH which is illogical AF...
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  15. #45
    Registered User Tomohokk's Avatar
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    I have a lot saved but this has definitely, definitely ****ed up my investment portfolio.

    And I have a lot of friends who won't make it if this lasts months.

    Originally Posted by ExPatriot View Post
    By far my greatest fear in life - more than health issues TBH which is illogical AF...
    Being dirt broke leads to

    -> Less nutrition
    -> Poor living conditions
    -> Moving to bad neighborhoods
    -> Living in scarcity

    Which leads to lowered immune system

    -> Corona
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  16. #46
    Registered User MuzzieChik786's Avatar
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    No because unlike you, we're smart about our money. You should always maintain 6 months of contingency reserves for times exactly like this.

    Maybe people will learn from this experience.
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  17. #47
    Registered User Tomohokk's Avatar
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    Originally Posted by MuzzieChik786 View Post
    No because unlike you, we're smart about our money. You should always maintain 6 months of contingency reserves for times exactly like this.

    Maybe people will learn from this experience.
    No point in shaming someone about it MuzzieChik, most of us have been in that situation before.
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  18. #48
    Registered User Jestbrah's Avatar
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    Originally Posted by MuzzieChik786 View Post
    No because unlike you, we're smart about our money. You should always maintain 6 months of contingency reserves for times exactly like this.

    Maybe people will learn from this experience.
    not everyone can. Many people living in 1 bedroom apartments driving a car good enough to get them to and from work, can only afford basic bills and groceries each month.

    This idea that people are either wasting money and being idiots, or smart and saving money, no other possible situations, is ignorant and childish.
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  19. #49
    Registered User proteinsnake's Avatar
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    Yep, I have 7$ in my bank account and have a 180$ car payment coming out in about 3 and a half hours. Guess that's it for having a car and decent credit.
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  20. #50
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    Originally Posted by proteinsnake View Post
    Yep, I have 7$ in my bank account and have a 180$ car payment coming out in about 3 and a half hours. Guess that's it for having a car and decent credit.
    bruh call the company you got the loan from. the fuk. see if you can delay it
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  21. #51
    Registered User Weezy32's Avatar
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    LOL i dont get why so many miscers lie on msg boards.. You make a dick size thread and everyone is packing 8+ incher. Make salary thread and everyone is making poverty 100k a year and now everyone is recession-proof giving **** to OP.


    OP don't believe these losers many of them will struggle just as you. Times are gonna be hard for alot of people. My programmer friend who was making 120k a year just got laid off. He has a wife and kid and is the only one working...this is gonna hit alot of people.

    Good luck bud
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  22. #52
    Registered User Jestbrah's Avatar
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    Originally Posted by propreffered7 View Post
    bruh call the company you got the loan from. the fuk. see if you can delay it
    delay it for extra interest tacked on so payments now become $190 for the remainder of the loan

    good idea
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  23. #53
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    Originally Posted by Jestbrah View Post
    delay it for extra interest tacked on so payments now become $190 for the remainder of the loan

    good idea
    what else is he going to do?

    his bank account is gonna be -183 and tacking a late fee on every day

    but nah they probably will give a few options. at least call and see what they say
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    Originally Posted by propreffered7 View Post
    what else is he going to do?

    his bank account is gonna be -183 and tacking a late fee on every day

    but nah they probably will give a few options. at least call and see what they say
    Anytime i've ever called a company for something like this it's always the same bullchit that it's too late and it's already coming out. I'm just fukked. Doesn't matter anyways, I won't be able to make the next payment...or the one after that...or my rent on the 1st. I have 7$ today and i'll have 7$ on the first, I have no money coming in at any point.

    I literally have ZERO income because of these fukking retards closing everything down and I qualify for absolutely none of the assistance plans put in place. Will probably find a way to swallow a bottle of pills if I can get my hands on some.
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    Originally Posted by proteinsnake View Post
    Anytime i've ever called a company for something like this it's always the same bullchit that it's too late and it's already coming out. I'm just fukked. Doesn't matter anyways, I won't be able to make the next payment...or the one after that...or my rent on the first because I literally have ZERO income because of these fukking retards closing everything down and I qualify for absolutely none of the assistance plans put in place.
    what kind of credit do you have? any personal line of credit?
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    tough times
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    comes out regarding bills and rent..srs
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    Originally Posted by Jestbrah View Post
    half of them will be just as fuked as OP in a month

    Their job security is just as secure as everyone elses was a month ago. Lets see what happens when there is a real lockdown and they arent in a REAL essential service and getting paid still and when the economy crashes and layoffs begin across the board even in essential fields.
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    Originally Posted by proteinsnake View Post
    Anytime i've ever called a company for something like this it's always the same bullchit that it's too late and it's already coming out. I'm just fukked. Doesn't matter anyways, I won't be able to make the next payment...or the one after that...or my rent on the first because I literally have ZERO income because of these fukking retards closing everything down and I qualify for absolutely none of the assistance plans put in place.
    i have pretty good experience with credit companies. they can devise plans. bank of america was by far the least flexible i've worked with though. lower payments, possibly move them back to the end of the loan, but they dont have to. there may be things instituted because of corona, etc.

    i think its worth a shot. how are you gonna stop the late fee on your bank account for being overdrawn?
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    no mortgage and already paid my property tax for the year

    i'm sitting pretty

    as long as the gay liberals don't shut down my work, i should be fine until all of our customers themselves run out of money

    then i'm going to enjoy my much needed vacation

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    I truly feel bad for anyone getting fukked over because of this.

    Luckily my company and her company are both operating. I think both will be deemed essential. She's in pharma and my company makes electrical switchgear. If my company halts operations it will be a double whammy because my stepson works there too.
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