4twenty2 replied to your post: Girl.
so basically….I’m asking YOU to be my co-signer lol
LMAO!
That got me to thinking about what I don’t do.
Real talk, I think the reason my finances aren’t fucked the fuck up is because my mother (who is THE most financially prudent person YOU will ever meet in the world) taught me to deal in absolutes.
- I don’t loan money. I GIVE money all the time. But I don’t loan because I never give more than I can afford to do without. And if I can do without it, then just take it. And try not to ask again.
- I don’t mix my money with yours whatsoever. My gf and I won’t sign a lease together, I ain’t sharing my damn cell phone line. I don’t co-sign. I don’t invest in your business unless I’m seeing a portfolio and a plan, not just you weed-talkin some dreams of yours. Yes, your armadillo farm could be a good idea. Lemme see a chart doe. I’m not ending up on Judge Mathis/Judy/Joe Brown whatsoever over a cable bill we “share”.
- I DONATE. Some because of simple karma and paying it forward, some because it was God’s MOST explicit instruction in His Good Word and some because it gives me perspective on money. It’s MADE to be USED. I learn to live with a little less. I spend less on me, more on those who need it and when I’m in a jam, I know how to make it work with what I got.
- I own quality things where they are needed and value prioritize. I’m not knocking people who buy expensive shoes and watches. If you can afford it, do it. But I never ever ever will buy a name brand to stunt and I can’t afford it. I’m a Maxxinista.
- Most importantly, I hustle. I HUSTLE. I always have a job when I can and when I don’t have a job, I do whatever legal thing I can. I donated plasma all through college, I’ve babysat, tutored, cleaned toilets, walked dogs, worked in a factory, worked nightshift wiping feces off of a person’s mattress. I don’t knock people who borrow or ask for money cause I have had to do that too, but when I CAN make money, I WILL. My ambition keeps me from settling forever and my humility (lol, that sounds like braggin doe) keeps me from saying that ANY job is beneath me. That is false. Honest work works.
I have made mistakes and will make mistakes and am not rich and plan on never being rich but at 23 years old, this is where I’m at. HOLLAAAAA.
