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Posted: 12/11/2022 8:10:04 AM EDT
[#1]
Quote HistoryQuoted: Not really wanting to beat the OP up even more, but damn, he puts so much out there! Either that or he is doing an excellent job of trolling... Engineer? Not really, not with only an AA. Maybe an Engineering Technician... you won’t be passing a P.E. exam with an AA either. ASVAB of 75? Kind of low for most engineering field folks I expect. Didn’t read the APR on a vehicle purchase? Does not sound like any engineers I ever knew! Now as to spending your last dollar buying alcohol for a multiple convicted felon, at a bar, after falling off the wagon yourself? How fucking ridiculous can you get? And you haven’t even said who it was that bought your groceries.... You need a fucking wake up call. Your debt is not the problem, it is a symptom of shitty decision making and poor priorities. Unless that felon was your dad or brother, it was stupid as hell for someone in your situation. Taking up drinking again, knowing you are an alcoholic, is dumb, but to do it over debt? Come on. Debt is fixable, a lot easier than alcoholism. I have seen guys like you when I was doing engineering- they were the welders/fabricators usually. Machinists were smarter. Engineers were smarter. I saw a lot of people like you when I was doing LE- lots of people with bad decision making skills, we talked to them every day. Same as you, most of them knew what they needed to do to fix their lives, but they didn’t do it. If all the above feels like a slap to the face, well it is meant to be. Wake the hell up. Nobody can help you until you realize that you have to fix yourself. The sooner you realize it, the sooner life will improve. I am assuming you wanted advice, versus just advertising to the board how bad your decision making skills are, so hopefully you follow some of what has been given by folks here. Excellent post. |
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Posted: 12/11/2022 8:29:27 AM EDT
[#2]
Quote HistoryQuoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help. |
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Posted: 12/11/2022 8:38:35 AM EDT
[#3]
no money for food.
On the bright side, you won't have much chance of being fat. |
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Posted: 12/11/2022 8:42:23 AM EDT
[#4]
Quote HistoryQuoted: Drive Uber after work and on weekends to tide you over? This A few friends of mine that are money stupid do Lift. |
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Posted: 12/11/2022 8:45:10 AM EDT
[#5]
Rated Troll. Because, if Op isn't trolling he's got more issues than anyone here can help him with.
Personally OP, I recommend that you change your pronouns and become a tranny. That way guys will buy you dinner and drinks and you can save on food and alcohol. |
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Posted: 12/11/2022 8:49:03 AM EDT
[#6]
Quote HistoryQuoted: Rated Troll. Because, if Op isn't trolling he's got more issues than anyone here can help him with. Personally OP, I recommend that you change your pronouns and become a tranny. That way guys will buy you dinner and drinks and you can save on food and alcohol. I see the Troll label a lot here, but why troll with such a crappy story? I would think of something better, but I am not a troll, it is a waste of brain cells |
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Posted: 12/11/2022 8:49:16 AM EDT
[#7]
OP so my advice.
Get back on the wagon. Go to a meeting, find a sponsor, whatever will work for you. If you take one more sip of alcohol you should no joke check yourself into rehab. You are depressed and I don't know what your previous bottom was but if you aren't already at a new one....I suspect you'll find a new one soon. In regards to the debt. Find a bankruptcy lawyer or find out a well structured plan to get out of debt. Your current job should be finding a job. To take responsibility and man up. One last thing regarding depression is to find a.professional to talk to about it. I can say that I was extremely against medications but after fucking up my life several times over drinking to cope with major depression and anxiety....going on an antidepressant has been a game changer. Good luck man. |
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Posted: 12/11/2022 9:03:03 AM EDT
[#8]
Quote HistoryQuoted: I see the Troll label a lot here, but why troll with such a crappy story? I would think of something better, but I am not a troll, it is a waste of brain cells Because it got to 8 pages with a decent amount of personal attacks and allowed him to engage with more details to make the story worse |
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Posted: 12/11/2022 9:15:19 AM EDT
[#9]
Quote HistoryQuoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help. Should have been the first post. |
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Posted: 12/11/2022 9:17:45 AM EDT
[#10]
Quote HistoryQuoted: 17% on an auto loan? Wtf... Sounds like a PFC straight out of basic training. |
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Posted: 12/11/2022 9:32:58 AM EDT
[#11]
Quote HistoryQuoted: Avatar fits.  Yep thought the same thing.
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Posted: 12/11/2022 9:34:44 AM EDT
[#12]
Quote HistoryQuoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help. |
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Posted: 12/11/2022 9:37:19 AM EDT
[#13]
Quote HistoryQuoted: Do you have a credit card to squeak by on until pay day? Where do you think the 17% loan came from? |
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Posted: 12/11/2022 9:41:04 AM EDT
[#14]
Quote HistoryQuoted: Stop drinking man This. Yard sale, Ebay, local auction house, pawn shop. Get rid of the crap you really don't need. I know this is the worst place to post this but if you have too, get down to one good handgun and sell the rest until you get your life back in order. |
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Posted: 12/11/2022 9:43:36 AM EDT
[#15]
12k in cc debt? Time to sell your guns brother. You cant afford them.
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Posted: 12/11/2022 9:53:47 AM EDT
[#16]
Quote HistoryQuoted: I pride my self in being able to hold a conversation with anybody. And this excuses spending your last dollars on some convict how? |
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Posted: 12/11/2022 9:56:56 AM EDT
[#17]
Quote HistoryQuoted: And this excuses spending your last dollars on some convict how? It's an alcoholics way of justifying their behavior. |
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Posted: 12/11/2022 10:05:04 AM EDT
[#18]
Quote HistoryQuoted: You can get a 1.75 liter of not great, but not bad whiskey for 20 bucks. That's step 1. This is solid advice. |
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Posted: 12/11/2022 10:20:08 AM EDT
[#19]
Quote HistoryQuoted: Drive Uber after work and on weekends to tide you over? Drunk driving? |
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Posted: 12/11/2022 10:22:32 AM EDT
[#20]
70k/year isn't much nowadays. It's like 40k/year just a few years ago.
Adopt. |
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Posted: 12/11/2022 10:28:33 AM EDT
[#21]
Quote HistoryQuoted: Not really wanting to beat the OP up even more, but damn, he puts so much out there! Either that or he is doing an excellent job of trolling... Engineer? Not really, not with only an AA. Maybe an Engineering Technician... you won’t be passing a P.E. exam with an AA either. ASVAB of 75? Kind of low for most engineering field folks I expect. Didn’t read the APR on a vehicle purchase? Does not sound like any engineers I ever knew! Now as to spending your last dollar buying alcohol for a multiple convicted felon, at a bar, after falling off the wagon yourself? How fucking ridiculous can you get? And you haven’t even said who it was that bought your groceries.... You need a fucking wake up call. Your debt is not the problem, it is a symptom of shitty decision making and poor priorities. Unless that felon was your dad or brother, it was stupid as hell for someone in your situation. Taking up drinking again, knowing you are an alcoholic, is dumb, but to do it over debt? Come on. Debt is fixable, a lot easier than alcoholism. I have seen guys like you when I was doing engineering- they were the welders/fabricators usually. Machinists were smarter. Engineers were smarter. I saw a lot of people like you when I was doing LE- lots of people with bad decision making skills, we talked to them every day. Same as you, most of them knew what they needed to do to fix their lives, but they didn’t do it. If all the above feels like a slap to the face, well it is meant to be. Wake the hell up. Nobody can help you until you realize that you have to fix yourself. The sooner you realize it, the sooner life will improve. I am assuming you wanted advice, versus just advertising to the board how bad your decision making skills are, so hopefully you follow some of what has been given by folks here. To answer one of your comments: All civil engineering is ON THE JOB TRAINING. Most people who spent time and money in school won't like that, but it's true. The degree is just to get in the door, and my AA degree was enough to get in that door. @vand6167 |
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Posted: 12/11/2022 10:34:35 AM EDT
[#22]
Quote HistoryQuoted: To answer one of your comments: All civil engineering is ON THE JOB TRAINING. Most people who spent time and money in school won't like that, but it's true. The degree is just to get in the door, and my AA degree was enough to get in that door. I went through the same path in the civil engineering field in the beginning of my development career. I can tell you if you continue to learn and grow, you will increase your salary without any issues. Civils are hiring like crazy in the Houston market. I was head of business development in the market before moving to the development side. |
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Posted: 12/11/2022 10:36:36 AM EDT
[#23]
Quote HistoryQuoted: To answer one of your comments: All civil engineering is ON THE JOB TRAINING. Most people who spent time and money in school won't like that, but it's true. The degree is just to get in the door, and my AA degree was enough to get in that door. @vand6167 Do you have a stamp? |
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Posted: 12/11/2022 10:38:52 AM EDT
[#24]
Quote HistoryQuoted: I went through the same path in the civil engineering field in the beginning of my development career. I can tell you if you continue to learn and grow, you will increase your salary without any issues. Civils are hiring like crazy in the Houston market. I was head of business development in the market before moving to the development side. Thanks man, that's the plan. I have some design training coming up this month. |
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Posted: 12/11/2022 10:50:50 AM EDT
[#25]
Quote HistoryQuoted: You were scammed by a criminal you just met into using your last money to buy him drinks? That's awesome. Quote HistoryQuoted: Quoted: I bought drinks for a young man I met. That gent has 17 felonies, but was respectful and he kept me company. You were scammed by a criminal you just met into using your last money to buy him drinks? That's awesome. |
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Posted: 12/11/2022 10:58:22 AM EDT
[#26]
Quote HistoryQuoted: Yeah no shit. Rated 'troll'. Quote HistoryQuoted: Quoted: Quoted: I bought drinks for a young man I met. That gent has 17 felonies, but was respectful and he kept me company. You were scammed by a criminal you just met into using your last money to buy him drinks? That's awesome. So many assumptions. I went to 3 bars that night. Met him at the last bar. Hiw much money did I have by the time I hit the 3rd bar? Some people focus on the minutiae and miss the bigger picture. |
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Posted: 12/11/2022 11:03:18 AM EDT
[#27]
Have you completed an osha training course in the last year?
Clean record? |
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Posted: 12/11/2022 11:04:49 AM EDT
[#28]
Quote HistoryQuoted: So many assumptions. I went to 3 bars that night. Met him at the last bar. Hiw much money did I have by the time I hit the 3rd bar? Some people focus on the minutiae and miss the bigger picture. Oh, I think we have the "bigger picture" alright. |
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Posted: 12/11/2022 11:04:58 AM EDT
[#29]
Quote HistoryQuoted: So many assumptions. I went to 3 bars that night. Met him at the last bar. Hiw much money did I have by the time I hit the 3rd bar? Some people focus on the minutiae and miss the bigger picture. Quote HistoryQuoted: Quoted: Quoted: Quoted: I bought drinks for a young man I met. That gent has 17 felonies, but was respectful and he kept me company. You were scammed by a criminal you just met into using your last money to buy him drinks? That's awesome. So many assumptions. I went to 3 bars that night. Met him at the last bar. Hiw much money did I have by the time I hit the 3rd bar? Some people focus on the minutiae and miss the bigger picture. 
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Posted: 12/11/2022 11:09:24 AM EDT
[#30]
The drugs aren't helping your finances or your mindset.
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Posted: 12/11/2022 11:09:29 AM EDT
[#31]
Quote HistoryQuoted: Oh, I think we have the "bigger picture" alright. So do I. Knowledge is power, application is key. I already know what I need to do, why I don't is the question. |
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Posted: 12/11/2022 11:10:01 AM EDT
[#32]
Quote HistoryQuoted: Thanks man, that's the plan. I have some design training coming up this month. Start taking any and all training home. This will keep you out of trouble. I had to do this. Immediately impacted my raises and promotions. If you have a boss who is a mentor, they can help you move to the next level. Start working learning mass grading and detailed grading , grade by hand if a computer is not available with civil 3d. Start reading geotech reports, phase I and contracts. Learn detention and storm design. Ask to take on more responsibilities and don't be scared to ask for help. If you made it passed all the day to day engineering, ask your PM to take on some of his tasks. It will allow him to deal with corporate BS that is impossible to do. This is coming from 20 plus years of civil engineering and development. Once you have a firm grasp on all aspects of the project, get over to the development side where the real money is. If you have any questions reach out to me. I hire civils and architects and the quality of construction plans are absolutely embarrassing from everyone today. |
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Posted: 12/11/2022 11:10:24 AM EDT
[#33]
You’ve obviously got internet access.
Start watching Dave Ramsey videos on YouTube. Your lifestyle and financial decisions are the problem. |
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Posted: 12/11/2022 11:13:42 AM EDT
[#34]
Instead of posting on GD about his budgeting retardation, the OP needs to either get a better job or get a second job.
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Posted: 12/11/2022 11:14:07 AM EDT
[#35]
OP find a AA program locally, go to the meetings stop drinking and make better choices. you can turn things around there are people out there with much more cc debt and more loans than you.
the usa is a country founded on debt and poor choices, you are not the only one by a longshot. you just need to stop making the poor choices and dig yourself out, should be pretty easy if you set your mind to it and make a effort. |
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Posted: 12/11/2022 11:17:13 AM EDT
[#36]
Quote HistoryQuoted: So many assumptions. I went to 3 bars that night. Met him at the last bar. Hiw much money did I have by the time I hit the 3rd bar? Some people focus on the minutiae and miss the bigger picture. On what planet do these further details paint you in a better light lol. Guy is getting food hands outs while on a bar crawl. |
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Posted: 12/11/2022 11:30:22 AM EDT
[#37]
You can’t easily exercise your way to weight loss, and you can’t easily earn your way out of spending problems. Don’t get me wrong, taking on a second job sounds necessary for you and it’s good you want to do it. Just don’t let it become justification for more spending because you “deserve” it, and don’t let it interfere with developing your primary career.
If you’re going to drink, drink inexpensive stuff at home. That would have saved you at least $100. Consider how you’re going to pay the 12k of CC debt. If it’s not on a low interest card now, you might need to take out another 401k loan in March, if that’s the only source of lower interest money. Do you have a household budget? If not, make one. Plan the work and work the plan. Don’t rack up holiday debt. Good luck. |
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Posted: 12/11/2022 11:31:47 AM EDT
[#38]
Quote HistoryQuoted: Start taking any and all training home. This will keep you out of trouble. I had to do this. Immediately impacted my raises and promotions. If you have a boss who is a mentor, they can help you move to the next level. Start working learning mass grading and detailed grading , grade by hand if a computer is not available with civil 3d. Start reading geotech reports, phase I and contracts. Learn detention and storm design. Ask to take on more responsibilities and don't be scared to ask for help. If you made it passed all the day to day engineering, ask your PM to take on some of his tasks. It will allow him to deal with corporate BS that is impossible to do. This is coming from 20 plus years of civil engineering and development. Once you have a firm grasp on all aspects of the project, get over to the development side where the real money is. If you have any questions reach out to me. I hire civils and architects and the quality of construction plans are absolutely embarrassing from everyone today. Thank you. That is close to what I'm doing now. I'm a manager on one of the largest projects we currently have, and I got that by previously taking on more responsibilities and voicing my desire to be in a leadership position. The only advice I have not taken from my boss is to learn at home, but I certainly have the time now. I had the time before but did not want to. It's easier to be mindlessly entertained than to sacrifice and work hard. |
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Posted: 12/11/2022 11:32:41 AM EDT
[#39]
Quote HistoryQuoted: Stop drinking man |
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Posted: 12/11/2022 11:33:55 AM EDT
[#40]
Quote HistoryQuoted: How does a 401k loan work? they loan you ur money with penalties from your own money.... banksters aren't hated for a reason |
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Posted: 12/11/2022 11:35:08 AM EDT
[#41]
Quote HistoryQuoted: You can’t easily exercise your way to weight loss, and you can’t easily earn your way out of spending problems. Don’t get me wrong, taking on a second job sounds necessary for you and it’s good you want to do it. Just don’t let it become justification for more spending because you “deserve” it, and don’t let it interfere with developing your primary career. If you’re going to drink, drink inexpensive stuff at home. That would have saved you at least $100. Consider how you’re going to pay the 12k of CC debt. If it’s not on a low interest card now, you might need to take out another 401k loan in March, if that’s the only source of lower interest money. Do you have a household budget? If not, make one. Plan the work and work the plan. Don’t rack up holiday debt. Good luck. I had not thought about taking out another loan in March from my 401k to pay off my cc. Obviously it's not the best solution but at least it's an option. I felt a little weight come off my chest. |
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Posted: 12/11/2022 11:35:42 AM EDT
[#42]
Quoted: Well, debt finally caught up with me. I make 70k a year, have a career, but don't have a dollar. I'm paying back 1200 a month to my 401k loan (last payment will be in march), and I have 12k in cc debt. I got paid Friday, and had 140$ left a few hours later after paying my bills. I drank that 140$ last night. Someone bought groceries for me, if it wasn't for that I'd have no food either. So, anybody have any weekend job opportunities in San Antonio? No, no weird shit, I'm not that desperate. I feel ya man....welcome to being a poor |
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Posted: 12/11/2022 11:36:35 AM EDT
[#43]
Quote HistoryQuoted: they loan you ur money with penalties from your own money.... banksters aren't hated for a reason False. It's low interest, that I pay back to myself. If I default on the loan, all I have to do is pay taxes on the outstanding amount. Your 401k may be different. |
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Posted: 12/11/2022 11:37:11 AM EDT
[#44]
Quote HistoryQuoted: Instead of posting on GD about his budgeting retardation, the OP needs to either get a better job or get a second job. The extra job is just a poorly contrived bandaid. All the folks saying uber lyft must not have really looked at their compensation. They are more or less scamming people in to paying for their fleet. Probably lucky to net minimum wage in the end. Extra job may be a good idea but spending needs to get fixed. |
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Posted: 12/11/2022 11:42:31 AM EDT
[#45]
Quote HistoryQuoted: So many assumptions. I went to 3 bars that night. Met him at the last bar. Hiw much money did I have by the time I hit the 3rd bar? Some people focus on the minutiae and miss the bigger picture. Three bars that night. You have gotten great advice just on this page. You need to make changes. Perhaps professional help (Medical). The good thing is that very soon you can be on the path to a good life. |
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Posted: 12/11/2022 11:45:33 AM EDT
[#46]
Quote HistoryQuoted: To answer one of your comments: All civil engineering is ON THE JOB TRAINING. Most people who spent time and money in school won't like that, but it's true. The degree is just to get in the door, and my AA degree was enough to get in that door. @vand6167 Quote HistoryQuoted: Quoted: Not really wanting to beat the OP up even more, but damn, he puts so much out there! Either that or he is doing an excellent job of trolling... Engineer? Not really, not with only an AA. Maybe an Engineering Technician... you won't be passing a P.E. exam with an AA either. ASVAB of 75? Kind of low for most engineering field folks I expect. Didn't read the APR on a vehicle purchase? Does not sound like any engineers I ever knew! Now as to spending your last dollar buying alcohol for a multiple convicted felon, at a bar, after falling off the wagon yourself? How fucking ridiculous can you get? And you haven't even said who it was that bought your groceries.... You need a fucking wake up call. Your debt is not the problem, it is a symptom of shitty decision making and poor priorities. Unless that felon was your dad or brother, it was stupid as hell for someone in your situation. Taking up drinking again, knowing you are an alcoholic, is dumb, but to do it over debt? Come on. Debt is fixable, a lot easier than alcoholism. I have seen guys like you when I was doing engineering- they were the welders/fabricators usually. Machinists were smarter. Engineers were smarter. I saw a lot of people like you when I was doing LE- lots of people with bad decision making skills, we talked to them every day. Same as you, most of them knew what they needed to do to fix their lives, but they didn't do it. If all the above feels like a slap to the face, well it is meant to be. Wake the hell up. Nobody can help you until you realize that you have to fix yourself. The sooner you realize it, the sooner life will improve. I am assuming you wanted advice, versus just advertising to the board how bad your decision making skills are, so hopefully you follow some of what has been given by folks here. To answer one of your comments: All civil engineering is ON THE JOB TRAINING. Most people who spent time and money in school won't like that, but it's true. The degree is just to get in the door, and my AA degree was enough to get in that door. @vand6167 You don't have a clue about just what makes up civil engineering. You're a technician at most, and that is the only work you'll be able to perform. Work to be the best technician in the narrow scope of work you perform, but don't claim you're an engineer. If you're good enough the engineers might quiz you for advice related to your work. I'll advise you to stay between the ditches, too, freelancing instead of following the processes handed down by engineers causes is a path to failure. |
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Posted: 12/11/2022 11:50:19 AM EDT
[#47]
Quote HistoryQuoted: So do I. Knowledge is power, application is key. I already know what I need to do, why I don't is the question. Alcohol!! It's always the alcohol! You're not at the bottom.... yet. Hopefully hitting bottom doesn't kill you. 
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Posted: 12/11/2022 11:50:25 AM EDT
[#48]
Quote HistoryQuoted: You don't have a clue about just what makes up civil engineering. You're a technician at most, and that is the only work you'll be able to perform. Work to be the best technician in the narrow scope of work you perform, but don't claim you're an engineer. If you're good enough the engineers might quiz you for advice related to your work. I'll advise you to stay between the ditches, too, freelancing instead of following the processes handed down by engineers causes is a path to failure. I am an engineer. @AeroE |
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Posted: 12/11/2022 11:50:49 AM EDT
[#49]
Quote HistoryQuoted: False. It's low interest, that I pay back to myself. If I default on the loan, all I have to do is pay taxes on the outstanding amount. Your 401k may be different. Quote HistoryQuoted: Quoted: they loan you ur money with penalties from your own money.... banksters aren't hated for a reason False. It's low interest, that I pay back to myself. If I default on the loan, all I have to do is pay taxes on the outstanding amount. Your 401k may be different. All 401k accounts and programs are governed by the same regulations. This thread is likely the most entertaining train wreck of 2022. |
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Posted: 12/11/2022 11:52:06 AM EDT
[#50]
Quote HistoryQuoted: Stop drinking man |
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