Welp Sup Forums I'm officially holding my first bank account debt at 45 dollars as an 18 year old, what do...

Welp Sup Forums I'm officially holding my first bank account debt at 45 dollars as an 18 year old, what do? How can I better prepare myself for shit situations?

What the fuck is that disgusting looking shit

It looks like maggots.. but it appears to be... macaroni...bread?

That's a thing?

looks like deep fried cup-o-noodles

i want and don't want to try that

It looks like Ramen that was burnt around the edges from the cup next to it. Source:im a detective

ITT: fat fucks

someone has to tell us what this thing is.

DONT BUY SHIT YOU CANT AFFORD AFTER BILLS.
BILLS FIRST.
DONT IMPULSE BUY.
Source:4K in debt at age 20

ramen noodles rapped in some kind of dough
with cheese melted on top.
it would taste good if the ingredients were high quality. however this was made with gutter garbage. would not eat 0/10
i bet they used processed cheese, too. fucking gross

Correct

>be me
>unable to save money
>when have money resist urge to buy stupid shit
>start prepping as half assed hobby

Never better. Always have food. Power went out a week ago had glow sticks, 3 battery powered fans, and a bunch of candles till bedtime.

Even ran my 12amp portable pack and fucked off on my phone for 4 hours.

Gl user.

Bills got me here man :(

Scrap together a few bucks. Order/buy Dave Ramsey's "Financial Peace". I don't believe everything he advertises but his 10 steps to financial peace will change your life. Retire well instead of broke. I know for a fact because I used his program when I was in my early 20's and had $18,000 worth of debt. Now I have over $100,000 in a retirement and no debt at all. Follow the baby steps. Btw I'm inly in my early 30's now. It can be done.

i would like to do it myself, fastfood "restaurants" are shite

Thank you friend

Also, buy a bunch of cheap shit that keeps well that you dont really like. Like ramen and spam and other canned shit. Maybe some mre.

Then u wont est them unless u have to.

ewwww lol

Would not eat, but would fuck

Pay everything cash except for car and your first appartment.

If you live in the USA leave the country because you won't have access to healthcare and education without being in debt.

You can easily get a visa to come in Europe study, and if trump is elected you would probably be able to apply to political asylum

He can't pay off $18 but
>buy a plane ticket for over $1000
Nigger

Correction: $45

>How can I better prepare myself for shit situations?

that's his original question

I just got a union job, healthcare won't be a problem after one year

Kek 100k early 30s how much of a faggot are you

Don't spend money you don't have.

Turn off overdraft protection for your account. Instead of getting an overdraft and the bullshit fees that go along with it, your card will just be declined.

Hi OP, banker at a Big 4 bank here.

Have you been charged an overdraft fee yet? Usually, at least once, you can have 1 overdraft fee refunded to you. A banker can usually do this for you, but if not, a manager of a branch definitely can. Sometimes you can do this over the phone. Just tell them that you were expecting a deposit to come through your overspending was accidental.

To better prepare yourself, try setting up a side savings account with overdraft protection so that in case you over spend again like a little degenerate, the bank will just pull what you owe from savings.

Lastly, keep up with your accounts with your bank's mobile app. So before you buy something, you know how much money you have.

Invested in IRA that averages 12% return over the past 70 years. Yeah I think I'm alright. How's your mom's basement and Tendies. I don't invest in gbp you nigger faggot

Believe it or not, cheese doesn't grow on trees so there's no such thing as cheese that hasn't been processed in some way.

Yeah the 45 dollars is due to an 8 dollar recurring fee from a phone company, got 38 dollar overdraft :/

Wow how fucking jaded are you that you feel compelled to sling spite at random peoples short term accomplishments.
Not the same user, just scrolling through and caught the salt

This ↑ It's fucking simple, really.

also people like you make me hate my job because we really just want to sell you a credit card to make our boss happy. I'm leaving soon.

I won't be getting a credit card anytime soon, I try to be good with my money it's just hard with a part time job where I gross like 300 TOPS a month, just got hired somewhere else so it'll change soon but for now I'm pretty much screwed

Big 4 banker here again (took a sick day to 4chin).

Yea, recurring electronic payments will usually bypass a "decline all" overdraft setting. So, tell the bank that you called the phone company that told them not to charge you, and that you didn't authorize it. They will likely reverse the fee.

Spams the shit user wtf

Sell drugs.....
>inb4 getting arrested
>go to shows, buy cheap acid, flip
>super easy and straight wads of cash

Wouldn't that be bad and the debt still be there with the actual company?

Yes and no. You'll just owe the phone company 8 dollars. Better than owing the bank 30. Oh and if you don't take care of it in a few days, they're going to charge you the overdraft fee again. Which bank is it?

Or better yet, set up your account so you CAN'T overdraft. It's one of the only laws that the Obama administration passed that's actually helping us.

Back in the day when I was younger, I got gouged for about 800 dollars from spending about 50 (in a few small purchases).

It's absolutely disgusting. Like exactly what you'd expect jews on nazi propaganda to do, fleecing people that have no money (note: not an antisemite).

The last decade has actually been great for banks. Why? Investment banking and mortgages have been lukewarm. They've been making record profits by making sure the poor stay destitute and have to pay usury fees that should be illegal if a banking cartel didn't own this goddamn nation.

Chase

Yea it's pretty bad. I was a financial advisor before being a banker. Banks are getting away with murder. The shit they have me selling to these degens is like getting away with murder. They're all still heavily invested in risky derivatives too.

Chase
Also I won't have 8 dollars to pay back until student aid comes through so I'm stuck with the 45 dollar bill

Cause its fucking shit advice

Ok, if they're anything like BOA they can probably refund the OD fee if you're nice to them. Think of your banker and your money like a waiter with your food.

You can be a little late on a phone bill, might have to pay a late fee to them (which you can probably ask to have waived, if you just call and ask).

Or, have them freeze your service if thats an option.

Chase told me if I gave them the money within 24 hours I would be able to reverse it but I have no clue this to make 10 bucks today lol

Also OP, if you're paycheck to paycheck it truly is best to pay bills when you can. NEVER enroll in automatic bill pay. Also, if you're banking with a corrupt institution, they tend to put through automatic transactions EXACTLY when you have no money. There might be a 5 hour window where you have a few bucks until your next deposit but transactions like that tend to put through at exactly that window.

Also, once you're negative the banking jews (also not an antisemite but if you behave like a goddamn stereotype you've earned the title, just as I'd call someone committing lifelong welfare fraud a nigger regardless of color) tend to do really fucked up things to make sure you get gouged the maximum amount. Like put through your charges in ascending order of value rather than when they actually happened to ensure that they get that 35 dollar penalty for each charge on top of their 10 dollar a day surcharge for being neg.....

People who designed these policies and get wealthy from fleecing the destitute should be forced to take a shower in fucking Zyklon B.

Go get fucked up and then go fuck some bitches, are you fucking retarded, $45

Honestly I'd rather have the 45 fee due to the fact that I literally cannot live without a phone, due to job calls email and maps etc etc

That's Chase being lazy, just go into the branch and plead your case. They can refund it. Go with the fact that you didn't authorize the phone company to charge your account, they're not going to call to verify. They may issue you a temporary credit to make your account whole again and buy you some time.

Pulled that two days ago to get my car oil changed which brought me down to .04¢ and the credit was gone today

Get a job and stop spending all your money.

Talk to a customer service rep either by online chat or by calling them and try and get it reversed; play a pitty story, I have never paid an overdraft fee in the whole time I have owned my bank account this way.

Have 2 part time and going to school full time

Facts anyone who doesn't do this is fucking retarded and shouldn't be allowed to have money

Big 4 banker again,

Last bit of advice - switch to a credit union. You'll have a much better experience. Unless you're traveling around the country a lot, a credit union will serve you better and won't fuck you with fees.

Dude, if you're on reasonably friendly terms with ANYONE they'll loan a friend 10$ in a pinch. Hell, even if you AREN'T friends with someone, anyone you regularly interact with will loan you 10 bucks if you pay em back like 15 when you get your check.....

10 bucks is not a hard quantity to make or borrow.... Shit, sell a couple games at gamestop (I'm aware having them pay you 5 bucks and charge 45 for it used is a scam and half, but if you really need money...).

might be able to do it again

>the jews made me poor
You nigger

All of my best friends are leaving or have left for college or the military, I'm literally the only one staying

Also don't game but I have some movies and shit I can put on Craigslist I guess

time to sell your b-hole

Fuck off kike

I really wish male prostitution was as easy as female

Dont' you have like a half priced movies and books place in town? They're in every major city. Just bring them a stack of old dvds you don't watch.... Sell some shit to a pawn shop.

I can't fathom someone not being able to make 10 bucks quickly in a pinch. Or even get 10 loaned to em....

Shit, if you're really desperate and don't mind sacrificing a bit of dignity. Put on some shitty old dirty torn up clothes, mess your hair up, and stand on a street corner with a sign about being homeless or some shit.... you should easily make 10 within the hour. I know a crackhead who does this, he says it's not dignified but he usually makes 20+ an hour and scores a rock for the evening, he actually has a job and a place to live, but he begs on corners to fund his drug habit.

Psht amateur I'm at 400$ in debt to my bank.

Go to a gay bar. It really is just as easy.

I am around 9k in debt, a lot of it is due to start gaining interest in a few months.

I cant get a job until I am off probation due to restrictions.

Legal fees, therapist shit, polygraphs and drug testing.

If you can afford to pay, you can get a much better sentence, but holy shit its going to take a year to pay this shit off

Here's a tip for if you fuck up and get substantial credit card debt: Never just pay the minimum payment. Always pay at least a few bucks more, even if it's only literally a few bucks. What? $3 above the minimum monthly payment, why, that couldn't make much of a difference, could it? Yes, it does! I've paid off thousands of dollars in credit card debt in the last year (and I have a pretty shit income) just by paying a little extra each month toward it.

Don't forget this, OP.

>Tfw had 4K in the bank at 18

Get a part time job and live with your parents.

Does your nation have ALDI?
99c for five packets of noodles.
$10 for 50 packets of noodles.

You see the potential?

>tfw all that money will be gone within a few months once you move out into the real world.

ALDI is the shit.

hahahaha....lets try a mediocre job, wife, 11month old, house, 230k in debt, still have to pay for electric which we do not use much of, medical bills totaling over 10k just this year, vehicle insurance, taxes on everything. just remember this, you never really own anything because you constantly pay on it. just do your best and know thats all you can do. and dont lie to yourself. ive seen millionaire ideas from kids that go untouched because they are afraid to move on the idea.

>Get a part time job and live with your parents.

Flaunting that like it's something to be proud of. Many of us either CAN'T live with our parents until they die and MOST OF US don't want to.

Yeah, I had a part time job all the way through high school. I moved out at 18 as soon as I graduated. I had a few thousand in the bank at 18 too.... but living on my own quickly did away with that and put me living paycheck to paycheck. It's a sacrifice that's most certainly worth it.

Here's a question to any grown men still living with parents? How do you get laid? Nothing will make a woman's cooch drier than suggesting taking her back to your parents' to bang.....

but I'm sure I know the answer to that. The answer is simply that you DON'T get laid, I work with a dude that's 30 and still with his parents, he has a nice ride and all kinds of cash in the bank.... but he hasn't gotten laid in 2 years, and this is a handsome bodybuilding type dude (no homo). I guarantee his stumbling block is that chicks don't want to put out to dudes that don't even have a fucking apartment of thier own.

>20K in the bank now at 20 and moved out

Don't think so buddy. Maybe you just need to be not retarded and stop buying retarded shit.

Sperm bank or plasma for more cash or you could just nig out and rob someone.

Steal a bike from an open garage, pawn that shit.

really thought those were maggots for like 30 seconds

>CAN'T live with our parents until they die
>live with our parents
>until they die

Wat

bruh

The more painful you allow this $45 debt to feel, the better. When it comes to debt- people don't learn until they feel the burden and decide not to fuck up again. Let this be a learning experience.

Make a list of your monthly expenses, total them. Total your monthly income, subtract expenses. ... get an idea of what you have to work with.

Also, find an expert or a community (other than Sup Forums) who will give you some actual financial advice.

Also can voice for this. The baby steps are great.

Also you don't need credit, period.

>Sup Forums, the investment firm you can trust.

How did an 18 year old get in debt? Can't get a credit card and debit card would be rejected

Credit cards are scams and wastes of money. Buy a debit card. Or just do prepaid visa cards.

Overdraft fucked me