- Mood:
Doubtful - Listening to: Where Eagles Dare - Misfits.
- Eating: Zilch. Size 9 here I come
- Drinking: Glacier H2O
I was reading a journal of someone that has more of a DeviantArt voice than I, and he was talking about the elevendybilliono'clockdollars that we have to spend on this bank bail out.
It got me thinking and I was surprised at how distanced I felt from the situation.
However,I feel that the distance is a result of the inability of the government to fuck me with its problems.
So the banks need money to help with loans and such for houses. I believe (as right or wrong as my angle might be) that its a simple economic class type of problem. Supply and demand.
"They" get you stoked to demand with visions of owning multimillion dollar homes and ALSO get you down on yourself for not ALREADY having one. "They" get into your brain and convince you that you need to over extend yourself to be able to get what you "want."
I feel like what "we" as a nation WANT is more like what we have been TRAINED to want.
In all reality what do I need with a house that has rooms I would never use? Think about how many houses you've been in that have a "junk" room or it was turned into a gym that is now a place to hang wet clothes that cant be put in the dryer.
That is wasted money. Sq.ft = $ that is AT LEAST 150sqft per room and where I live a middle class house is $300,000 for about 1,500sqft. of REAL LIVABLE space. If my calcs are right, thats averaging $30,000 for that room you never use. Now add onto that the interest youre being charged on your loan. Only apply that to the $30,000 for that room. Average is about 6% a month. Thats another $1,800 a month. Now lets say that youre monthly payment is the same as my parents. Somewhere around $1200 a month for the ENTIRE house. Youre not TOUCHING your principle. Not for the spare room even.
Which leads to my MAIN point. Buy what you can afford. I was lucky enough to be given my crippled mothers car when I was 18, and boy was it different from what I saw myself driving. However, at 18 I couldnt afford much else. While driving that car which was 10 at the time and paid off, I charged drunk people to be the DD since my car held a lot of people, and I saved money. When it finally blew up and cost more than it was worth to fix, I replaced it at 13 years old. I now drive a 2002 Mustang.
Live at home until you can afford the rent to live in an apt. If people tried at ALL they would find this to be quite simple. All you need is roughly $3,000 to move in somewhere. Thats security deposit, and first and last months rent. I worked as a Customer Service agent answering incoming calls about credit cards and got 13.00 an hour. I made more money a month than I could find things to spend it all on. In two months I could have moved out, and that is including the gas to drive 30 minutes each way, my bills and some spending money.
People in general are taught to always want more/better things, and the IDEA is not bad, but the execution is all fowled up. Somewhere in there was lost the line, "but be happy with what you have until you can achieve a higher level." Many super famous and rich people lived in the ghetto in an apartment that was less acceptable to a dirty bum than a loog in the face, but they were GRATEFUL and happy that they had even that. My dad says that everyday above ground is a day worth living.
So what if you drive a shitty car. Next time you pass a bus stop, REALLY take a good look at the family waiting in the weather just to do some errands.
So what if you live in a crappy apartment. Its a roof with a shower and a place to sleep thats dry. Walk around Tampa and St. Pete and complain to the men sleeping in doorways about how you wish you had a bigger house.
Anything is better than nothing and our country as a majority has gotten to the point where they think that if they cant have what they want then they might as well not have anything.
Dont get a $300,000 loan for a house you only use half of.
Now there ARE exeptions to what I'm saying, like a family of five would need and use a 4 bedroom 300,000 house. I dont think that you should cram all the kids into one room while you take another just to save money. Do what NEEDS to be done.
Just remember that guy you knew in highschool who never had any kids, and how he always has the coolest gadgets. The money he saved on kids and a wicked huge house is how he affords all the stuff hes got that you envy.
Everything is a choice. Most of the choices lead up hill. Prepare for the climb or dont bitch about falling back down the fucking hill.
The bail out is stupid primarily because we as a nation have over extended ourselves and its DUMBER because of who the gov't chose to delegate money to to supposedly fix the problem.
I dont agree, but I also dont care. It doesnt effect me, because I thought ahead.
All you have to do to get a head is get a good foot hold and hang on while everything falls down around you. Its amazing how much higher you are at the end by just making due with staying still.
The president and the rest of the government shouldnt be bitched at to fix a problem the people created. Some of them are losing houses too. Its no ones JOB but your OWN to find a way to fix the situation. Sure there are some people who because of a position they hold, might be able to help, but you cant dump the problem on them and expect it to get fixed how you want it everytime. The United States of fucking America should be able to rely on the foundation of its being.
Last I checked we were founded on the premise of WE THE PEOPLE.
Not we need welfare.