What You Can Expect From Being Broke(ish)

What You Can Expect From Being Broke(ish)

Filed under: 
Rants

So once again I find myself teetering on financial collapse. Constantly dipping into overdraft and selling every last textbook you hope you won't need anymore is a stressful and agonizing place to find yourself in. I'm not going to bitch and moan like it's not my fault... I'm the type of person who refuses to spend more than 20$ on any article of clothing but can easily burn through 60$ in one night of drinking (aka an idiot with poor priorities). Anyway, In my various experiences with this financial state I have compiled a few key aspects that people who are new to flat broke-ness might not expect and what to look out for. 

DISCLAIMER: I am by no means a financial expert or else I wouldn't be in this situation. Take all advice with a grain of salt as I have piss-poor judgement, decision making skills and I'm probably breaking most of these rules as we speak. I am also not trying to make light of people in ACTUAL dire financial situations; I am not starving or sleeping on the street, I'm just a dumbass.

Overdraft

This is a cruel cruel system most banks have implemented in order to blatantly screw people like me over. It pretty much means the bank lets you take out money from your account that you don't have, great right! Nope! Because the massive interest when you drop below 0$ makes -14$ turn into -80$ real fucking fast. This is a decent last resort but if you spend too long in the red zone, prepare to feel it.

#failperson

Mooching From Friends

If you are as broke as I am, be prepared to be THAT MOOCH. You all know the type; very friendly and apologetic but 'loans' and 'borrowing' turns into 'gifts' and 'charity' real fast. I have seen myself become this annoying parasite many nights; staying close to roommates to mooch a cab ride home, hang out with my friends who don't want to be the drunkest people at the party so they send me a shot here or there, etc. Overall once or twice and you are a minor inconvenience, more than that you become a permanent annoyance. Watch the 'borrowing'. 

Goodbye Luxuries

This one seems pretty obvious but is probably the hardest to do. No more late night drunk poutine, no more buying bacon or the 'good cheese' at the supermarket. You will have to get what's on the sale-iest of sales and don't buy microwaveable dinners; convenient but just cook for your goddam self it's 50% cheaper. 

But y tho

Nightlife

Obviously living in a city is expensive, some more than others but you can always expect a lively night on the town to involve a few bucks. If you're broke the obvious applies; find places with no cover that do pitchers. Buying beer in bulk and sharing (or not) in a dive bar is (very approximately) 1000 times less expensive than waiting in line to pay 20$ at a club that charges 9$ for a vodka fucking red bull. Your pre-drink is also vital, or as I have renamed it: Getting shitfaced on 10.1 as fast as possible (malt liquor and orange juice works too... it's actually not half bad).

Jobs

Now the obvious solution to your problem would be to get a job. To many, this is a daunting task. but as an experienced do-er of shitty jobs I have these words of advice: a) start early: finding a job isn't easy. It might take a few days it might take a couple months. Start before you're broke. b) Lower expectations: Unless you are ridiculously good looking or have really good connections, it's hard finding the 'ideal' job. Beggars can't be choosers so get ready to work somewhere miserable for low pay; dishwashing, telemarketing, etc. The more shitty jobs you do, the better your chances are of finding a not-so shitty job in the future.

Share this article

Comments

Content Stream

Personal fave Robert Robert is back at it with a perfectly tuned summer release with visuals to accompany it. His latest video is for the tune "Misunderstood" featuring Anna Majidson . The video follows two girls as they set off into what seems like a road trip to a chalet. Everything seems to be...
Don't sleep on this one. When we layed our eyes and ears on Ouri 's latest release, we did a double-take and got captivated for weeks. Ouri is an electronic producer, DJ and multi-instrumentalist based in Montreal. Her training in piano, harp and cello are what primarily influence her shape-...
We spoke to Grace Lillash , an Ohio teen who's work is bringing the 90's back in a big way. Trying to describe her images is useless, and can only be defined by a feeling - a nostalgia you could only experience while flipping through the pages of vintage magazines or old photos of friends. Her old...
Delphine Lewis escapes winter with a trip to San Francisco with her boyfriend in this film series shot with a Minolta XD 11. See more of her work here . Follow us on Instagram and Twitter for more.
Scouted at just 12 years old, Amalie is living life to the fullest; studying film, exploring the world, and playing dress up with haute couture. We got to chat with our go-to girl for outfit inspiration, check it out! What are you working on right now? I consider myself a creative person, so that...
Montreal native Gab Bois is a 19-year-old visual artist. When scrolling through Instagram's explore page, her images stand out - they make you pause, reflect, and screenshot. In the recent past, she's worked as a model, but is now in university studying to become a teacher. Like many of us, every...
Conflict of Ego is a philosophy with a brand – not the other way around. The brand looks to, quite literally ‘embody’ through design, cut, and textile, the cultural changes at work in our society, aiming to promote a message of acceptance and growth within our multi-racial world. photographer Sayeh...
I had the pleasure of interviewing a role model of mine - Dani Roche , owner of Kastor & Pollux , the full-service digital and experiences agency. At just 16 years old, Dani ran an online vintage clothing store that she promoted through her very popular online profiles, like Lookbook. Ever...
A reminder that the early 2000's was fashion's most perfect era. Thanks for this, Kaley Cuoco.
This Montreal staple built her career as a DJ through starting a weekly called Bass Drive Wednesdays in Montreal, and was well-known to hype up crowds week after week with her eclectic talent of blending all types of genres seamlessly - something not everyone is able to do. Let VILIFY carry you...
EVERY SUNDAY. We feature the best underground tracks & remixes, and most of them are up for free download. We prioritize Canadian producers and acts but it is not exclusive. Every Sunday, we'll round-up all of our favourite remixes and tracks we've received through submissions and lay them out...
Underground New York rapper Gabe Nandez has just dropped his latest video for his single "Comets" and has got us slayed. Video by Losmose Produced by Stereoma http://www.stereomaprod.com/ Music produced by Risky Business https://soundcloud.com/gabe-nandez/co... https://www.facebook.com/GabeNandez...