Okay so now that the epic battle of the wasp has concluded,
hopefully, he might come back, we're gonna do a little storytime type of thing.
So the reason for this video is because pretty soon I'm going to be going over
how I budget my money and I think I mentioned in the other video about money
that my budgeting system is... it's very strict,
it's very frugal, and there are two main experiences in my life that I have gone
through that are pretty much the main reasons as to why my budgeting is so extreme.
So yeah, I feel like I kind of want to- I want to share them with you so
that way later when I go over like my monthly budget and how I sort my money
and everything it'll kind of make a little bit more sense other than like
"whoa, like you're just way too hardcore for no reason." When I first moved- this is
the first experience by the way. So when I first moved to California... where I had
been living previously, I had a job that I'd been working out for a couple of
years, I was able to transfer my job to California, that was awesome.
But what happened after that, not so awesome. So I got over there, you know
filled out the paperwork whatever, did the whole transfer process, started
working for them, and I had been told that because it's still the same company
but because there's a new location that my paycheck was gonna be delayed.
You know how like when you start a new job you don't always get like your paycheck
right away you have to wait till like maybe the next pay period or something?
So yeah that's what I was told, that I was gonna have to go through that whole
thing. That's fine, whatever, I understand like sure. So I'm going
through that and at this point, you know, I'm renting a room in a house, I
registered to go to school, had to pay for that, you know all kinds of you know-
my bills are still happening, but it's all good right? because I've got a job.
So I wait to the following pay period and I'm like "hey, like did my check come in?"
It didn't. So I was like "okay, no big deal I can wait you know, the next time like
surely it should be here." So I wait another pay period and I'm like "hey can
I have my check?" like I didn't even- I wasn't even like "hey is it here?" I was
like "can I have it?" cuz like it should totally be here by now.
And the GM was like "yeah, no we don't have it yet." and this continued for at
least two months. I'm not gonna go into like specifics of like why or what
happened or anything cuz it was frankly it was really ridiculous. So I think you
can all assume, and it would be safe to do so in this case, that I really
didn't have a lot of money left in my bank account. Because here I am, I had
just moved to a new state which comes with its own set of costs, plus it's not
like my bills just stopped dead in their tracks. so I'm you know, still paying all
my bills to the best of my ability and I've got money going out, but I have no
money coming in. And that was honestly just like so super stressful and it got
to the point where- okay so the job that I had, it was in the downtown area. So you
know of course you have to drive to get to your job, which is money in gas,
that's pretty normal, but I also had to pay for parking. It wasn't like a whole
lot, but I did have to pay- like even if it was like a dollar, which it wasn't, it
was more than that, but it's like a dollar that you have to pay for parking
that's still money coming out when I don't have any money coming in and
that's not counting every other bill that I have and that I have to feed
myself and blahhhhh. So eventually I just got so upset with the situation like I tried
to be nice and understanding for as long as I possibly could and I think I did a
really good job of that. I actually think I lasted way longer than a lot of people would've
but there was- it finally got to the point where, I will never forget this
moment because it was so it was so I mean I ended up crying. So I signed on to
my bank account and I checked it and I had 33 cents in my bank account that was it.
I only had the one account, no savings, no nothing else,
no cash, I had already gone through all of the money that I had, like I found the
loose change where I could, I had 33 cents to my name and I was like what am
I gonna do? So the next day I was supposed to work at my job. So I went, I
ended up borrowing some cash from my roommate to pay for parking and I asked
my general manager again, I was like "is my check here yet?" and he was like "oh, no
not yet." I was pretty mad, pretty mad. And it was
really awkward because like I said like I tried to you know just be super chill
about it, but at this point like I couldn't be chill about it anymore. Like
I was like "what am I gonna do?!" I'm like freaking out and so I don't want to say
that I like yelled at him, but I basically told him as nicely as I could
at the time that I was scheduled to work like the next like three days and I was
like "yo I'm not gonna be here because I don't have any money. Like literally I
have no money you can't just have me work and not pay me for like at least
like two months you know what I'm saying like, so I don't have any money to put
gas in my car to get here, and I also don't have any money for parking. So I'm
not gonna come the next couple of days, I'm actually not gonna come until you
pay me and you are not gonna fire me because this is all your doing." I was
like "so you can't fire me for this because I'm not coming because I
literally do not have money to come here." I was so upset and he- he offered to give
me some cash from like the bar, this was at a restaurant, he offered to give me
some cash from the bar and I was like "no I don't want that. I want my money. The
money that I worked for." because I didn't want to take that money and then it get
more complicated with the fact that like then they would have to deduct what they
already gave me from my paycheck and then that would affect like how many
hours I worked and then they would use like maybe use that as an excuse to like
prolong paying me even more and so I was like "yeah, no like
I don't want that money, I don't want that cash, like I want my
money, I want my check." Honestly I don't really remember how like that
conversation ended or like if he said anything after that I just know that I
ended up leaving and I did not go back for like a week or two until he called
me and was like "hey your checks here" blah blah blah. And in that time period I
definitely had been applying to other jobs, but it was like "okay I can apply to
these other jobs, but I am literally at the point, you know, I waited too long
unfortunately, like I put my trust in this company that they would pay me
sooner rather than later and so I had waited until it got too bad because then
at that point even though I'm applying for jobs, if I get an interview I don't
have any money to go to the interview because I can't use all the gas in my
car cuz I can't- like if I have gas to get there I probably at this point don't have
gas to get back to the house so like what?" So as I said, during this time like
while this is all going on, I had registered for school and I had been
going to class and everything and so there was one day where I went to class
and you know there's a book for the class and the book came with a CD, but
you could buy the book without the CD and it was like way cheaper and you
didn't like- we asked the professor and she was like "yeah, no you don't like
need the CD, it'll be fine, you can buy the old version of the book."
And so of course, all of us broke students we bought the old version.
However, there was this one guy in our class who he had already bought the
newer version, the one with the CD, and paid for it and he was like "whatever I'm
not gonna return it, like I have it." So at his job he had access to like blank CDs
and he ended up just making copies of his CD for the entire class. You know,
super nice like nobody asked him to do that, he just took it upon himself. He's
like "I have you know free unlimited access to these blank CDs, why not?" So he
did that. So he comes- we all come to class and he's like "yeah, I made
everybody these CDs blah blah", gives them out, and the teacher is like
suggesting that we all give him a dollar. Like every
student gives him a dollar because he didn't have to do that for us and it was
like really nice and we should pay him and blah blah blah. And it's like, I could
see that perspective, like that was really nice of him, but yo homegirl right
here aka me only had 33 cents in my bank account so like I can't give this guy a
dollar like even if I wanted to. Like I don't even have a dollar for myself, I
don't even have fifty cents for myself. And and like the thing was, it wasn't
like she just kind of mentioned it, it was like "Oh yeah you guys should give
him a dollar. Okay let's go on with the lesson..." like she spent a prolonged amount
of time being like "No like you guys should take out your wallets right now,
take out a dollar, everybody give him a dollar" and she was like really like
adamant about this and it made me feel horrible like I wanted to cry right then
and there in class. I'm like holding my desk like my hands were like starting to
sweat and I'm just like "calm down, calm down" and I was like "oh man" and there was
even like- a couple of the other students they were like "What, why? Like they were-"
and he even said, the guy who brought the CDs, he's like "No like they don't have to
give me anything. Like they were free, I got them for free from my work like
nobody asked me to do this like I don't- I don't need any money like it's fine."
But she was like "No like they should give you- they should each give you at
least a dollar blah blah." And I'm just like "yo like he said it was fine like can we
drop it?" and it was just- it was just a really awkward situation. And I remember
she even said, she was like "it's just a dollar, like it's not even that big of a
deal, like you all have a dollar" and that was what really like hit me. I was like
"no dude, like it's 'just a dollar' there's no such thing as just a dollar because
right now a dollar to me is the entire world", but of course I'm not gonna just
like say that. And luckily there was somebody else in the class that was like
"No I'm not, I'm not doing that" cuz that's kinda low key what I was like
praying for I was like "please let somebody else just be so like 'no I'm not
doing it" so then it makes it okay that I don't do it.
I don't want to have to be like you know, everyone in the class gives him a dollar
and I'm like the one person that's like "yeah, no." So there were some people that
gave him money and then some people that didn't and I just ended up being one of
the people that didn't. Anyways, probably the hardest part about that whole
situation for me was the fact that like you know, I got a brain, so I get that if
you don't work, you don't make money. I get that if you're lazy, you don't make
money. And I also get that if you make X amount of money and you spend more than
that amount, then you're not gonna have any money. But again, not the case here.
And so it was just a huge reality check for me to be in a situation where I had
a job, I was working, I was technically supposed to be making enough money to
cover all of my bills and expenses, but yet I didn't have fifty cents to
scrounge together. Like it was so confusing because it was like "how can
this happen?" like I feel- I felt like I was doing all the right things as far as
like having a job and not being lazy and working, but I still found myself in this
position of not having any money and being completely broke. Now this is where
I started to do things like- and I've talked about this before, but not in this
context. Where I donated plasma because the place
I donated plasma at I think the first time you did it you got $40 if you did
it a second time within like a certain time frame you got $60 and then you
maybe got like $30 every time you did it after that and then you could do it a
certain amount of times like in a week or in a month and so I started donating
plasma so that I could make some extra money.
I started dumpster diving so that I could get free food and this is also
when, in my free time, I would take like online surveys for money.
So yeah I've talked about those things in terms of like making money or getting
your side hustle on and everything and it really is like I
tried those things not because I'm like "Oh dumpster-diving that sounds fun" it
was more of like I needed to do it because I didn't know what I was gonna
do, it was either like don't eat or go get some food where it's free. I chose to
eat and get some food where it was free. That being said though, I wasn't
the- I was already so frustrated and so sad- I- I just felt like I really didn't
have a choice to be- to be more upset, like I just didn't. So I had to look at
donating plasma and dumpster diving and the survey thing, I had to look at them
as something exciting, which I know that sounds so weird and it like- because
those things like aren't really exciting, but I saw them as like "okay like this
could be fun. It's something new, it's like a new little adventure, like trying
to figure this out, like how does this work?" you know that's kind of how those
things took place. Because I think a lot of the time when I talk about them it
kind of confuses people as to "oh you just decided to dumpster dive? like you
wanted to be so frugal that you decided that that was a good idea?"
It's like low-key it honestly came out of an act of desperation, but I didn't have the
luxury of feeling sorry for myself or feeling like it was gross because that
was kind of the only option at the time and so I turned it into something that
was fun. And now like looking back on it- and it wasn't easy, you know just to say
that, like it wasn't easy to switch over my mentality like that like I definitely
had to talk to myself a lot be like "no this is fine, you'll look back at this one day
and it'll just be kind of funny" and like now,
I look back on it and I'm like "what was my life? like what was I doing?" and again,
again, I can't say this enough, it'd be one thing if I had let myself get into
that position and again arguably I wasn't- I didn't- I wasn't the most
proactive at preventing that situation because I should have had maybe more of
a savings, I maybe should have you know looked for another job way sooner, I'm
not gonna argue and say that those things are not true because 100% they
are, but I was like really young at the time, I had no idea what I was doing.
So unfortunately, my lack of responsibility and maturity combined with the
circumstances at hand resulted in that situation. So the one thing that I really
took from that is that I never want this to happen again.
like I never want to be in this position again, I don't want to have to do things
that I might not necessarily normally do out of desperation because I'm broke.
I never want someone to be talking about a dollar and feel ashamed and sad that I
don't have a dollar and that- the fact that I never want to not have a dollar
you know, like- so that was something that was it was it- that was like over the
course of a few months and it took a really big toll on how I view money and
how I view having a savings because here's the thing - it's like the general
rule of thumb is that if you have a job, you will have some money. Will it be
enough money? I don't know that again, that is a
different topic, but you will have some money. But yet finding myself in a
position where I felt like I was doing everything that I possibly could and
nothing.... nothing! I still- it was like I might as well have not been working at
all and just enjoyed my free time. Now I am definitely not trying to you know, I'm
talking about my personal situation. I'm not trying to talk bad about people who
are in different situations, who are unintentionally homeless, or who are
unintentionally living in their car because of really bad circumstances, I'm
not saying anything about anybody else, I'm not judging anybody else, honestly
that's all a completely different thing like I am just talking about me and my
experience in that regard. So I get it, it might sound maybe entitled,
maybe a little dramatic about how I was so sad and upset and I know I should be
lucky that I even had 33 cents, I should be lucky that I was even able to have a
job, I should be- I should feel really fortunate that I was able to transfer my
job. And it's like, yes! I did feel all of those things. However, finding myself in
that position, where I was doing things like donating plasma so that I could
buy groceries.... yeah I don't really care how you look at it it wasn't any-
it wasn't where I wanted to be like it just it wasn't and it was really hard to go
through, but it was my reality. Okay so I think that I have gone on and on about
that first experience enough. I- I just you know, yeah okay we're gonna- there's a
lot of emotion there if you can't tell. So all of that in experience number
one I was paying rent living in a house. Everything eventually
got situated, I got my paycheck, I got all the money that I was owed, I ended up
immediately leaving that job, getting another one, it was all good. So life goes
on like that for a while, I catch up, I am still like I'm working two jobs, I'm
going to school, I'm making enough money to keep myself out of debt as far as
like school and everything, I'm making enough money to pay rent, to pay my bills,
but there's really not a whole lot of extra money there. And so you think I
would have learned my lesson the first time like even if I can save like a
dollar, low key you should probably be saving that dollar
BUT.... did I? did I learn? No, no I didn't. So that brings us to situation
numero dos. So I had moved into my car at this point, this is I don't know
how many jobs later and I don't know how much time passed between two experiences,
I could probably figure it out but it doesn't matter really it's yeah it's
irrelevant. So at this point I had one job
a main job that's like a nine-to-five, and the company that I was working for was
going to go out of business. So that meant when they
did we all ended up on unemployment, which I'm super grateful for because it
wasn't like "oh crap what're we gonna do" like at least I had some sort of income still.
However.... this is the time frame that I refer to when I'm talking about
how I lived in my car making only $400 a month. It was because I was on
unemployment. So for sure I think it goes without saying that that situation is
not ideal and I kind of saw it as "you know what? At least, silver lining of all of
this, I live in a car." Because if I had ended up on unemployment while still
living in a house and paying rent... that- that just wasn't gonna work.
But because I was living in my car I was like "you know what? it's gonna be okay,
like this is really hard but it's gonna be okay." kind of had to talk that idea
into myself- into believing it like ya had to make myself believe that. You know
all in all in the end it totally was okay, but living on four
hundred dollars a month, that's how much my unemployment was, is not a lot
especially considering at the time I was still making payments on my car and this
doesn't count like my insurance or anything else just my car was $300 a
month by itself. So that left me $100 a month to you know.....
survive. So during this phase of my life there was definitely a lot of unhealthy
habits going on such as I would probably eat like one meal a day, if that. There
are some days where I just like didn't eat or I would like buy a loaf of bread
and I would just eat bread like when I got hungry. Or one thing that I really kind of
survived off of was jack in the box tacos, which are not the best for you, I mean I still
think they're delicious but... I would buy jack in the-box tacos and I would kind of
like I would buy one and then that's what I would eat for the whole day. So
yeah really bad, I know, I swear I don't- it's not because I was trying to lose
weight or anything like that it was like "yo I don't got any money and I got
things to pay for so uhhh well, that's gonna happen." And like luckily even though I
was on unemployment I was still in school so I didn't need a gym membership
to shower I could just shower where I went to school so that was free. So I was
still able to- I think if I hadn't had showers at that point I might have just
like melted into the earth and disappeared because I don't think I
could have- showers like saved my life yo like for real because you know keeping
yourself clean and feeling refreshed is I think it's everything when it comes to
like this lifestyle because for me when I'm dirty like sweaty and gross and
haven't showered in five days I definitely don't feel my best. So if I
don't feel my best physically, and then I've already got a lot going on in here
that I don't feel my best mentally either I don't think I would have
survived. So I'm pretty certain that showers, they did a lot for me in those days.
And of course even though I was on unemployment I was still applying for
jobs trying to get all that worked out, but I did end up going like what was it
like I think like five months on unemployment where I was making $400 a
month and my car payment was $300 a month so I lived on $100 for five months
it- it wasn't enough like it- I managed to do it, I probably didn't do
the best job that I could because it was just such a new situation for me because
even though I had always kind of lived paycheck to paycheck again it was like I
was coming from a place where I always had just enough money to figure things
out, but then here I am in a situation where there's not just enough money.
So what do you do when there's not enough money? You still gotta work with what you
got, you know the principles of what to do don't change, but you're definitely
gonna have to make some adjustments and and just figure it out and it's it's not
easy like oh I have so much empathy for anyone who has ever been in situations
similar to this or worse like- I- oh man it pains me to know that people go
through things like this and you know my situations weren't even that bad like at
least I had $100 a month that I was being given you know what I'm saying so it's
like I was still pretty lucky and I was well aware of that. And what that
situation, the second experience of being on unemployment really taught me was how
to live on something as simple as a $100 a month. So realistically,
I would never ever ever ever recommend anyone try that. I would never ever ever
you know decide that I wanted to do that again. No because it wasn't- it just
wasn't enough, but I do think that it really really helped me in terms of
identifying like things that are 'absolute necessities' like you just
cannot function without like and 'necessities' like yeah you really do kind
of need them, but like if you push it really push it probably could probably
go without it at least for a little bit. So as much as I hated going through the
experience.... made it out alive and it did teach me a lot of like categorizing
those things and learning how to live and live functionally with very very
little money. And because of the fact that I saw what I was capable of put in
these two situations and and what they felt like, especially felt like, because
these were two very very distinct phases in my life that I will never ever forget
as much as I would like to because they were so emotional like... I can't even put
into words how difficult they were and I can only pray that I don't ever go
through anything like that again, but at the end of the day I am grateful that
they happened because they taught me so much. They made me understand- like I had
always understood the value of the dollar, but- and I always knew that it was
a good idea to have a savings, and I always knew that if you really needed to
be frugal you could. But to put all of it in such a dramatic real-life scenario
However, because I know what it's like to live on $100, because I know
what it's like to feel like I'm doing everything right and to have 33 cents....
you best believe that I've got a lot of backup plans okay? yeah, lots and lots of
backup plans. I know that I kind of talked in circles a lot and I'm sorry
but I had never really talked about those things before so it was very
unfiltered and just kind of like scatterbrained
my bad, but I really wanted to just talk about these, get them off my chest,
share them with y'all. So that way when you guys see my budgeting plan you're
not gonna be looking at it like "yo what is wrong with you?!" like bro I've been
real poor before that's what's wrong with me and I think it was to my benefit
because I probably wouldn't have learned these things had I not gone through
those experiences and I wouldn't have created such a you know what I would
consider to be a very good and efficient budget plan that I am really really
happy with. So okay cool hope you guys enjoyed this video see you next time
For more infomation >> Oops! Hotel Valet Drives Porsche Underneath Another Car - Duration: 0:25. 
For more infomation >> Driver Says Tesla on Autopilot Crashes into Parked Police Car - Duration: 0:56. 
For more infomation >> Driver Passes Out After Having Blood Drawn, Crashes Car Into Melrose Home - Duration: 2:02. 
For more infomation >> Car Crashes Into Brooklyn Coffee Shop - Duration: 2:05. 
For more infomation >> The Price Is Right - The Right Car - Duration: 3:58. 
For more infomation >> Meet The Mechanic | Super Car Royce | Cartoon Videos For Kids - Duration: 16:31. 
For more infomation >> Tesla in autopilot crashes into parked police car in California - Duration: 2:03. 
For more infomation >> Woman Crashes Car, Hands Baby To Stranger - Duration: 1:27. 