The talk of getting out of debit is on most everyone’s lips, How it is such a good thing, an attainable thing, just that we got so much going on right now, but hey, I can get out of debt most any time, just need to knuckle down and get to it.
Debit is such an easy corporate trap. Owing not to another person but to stock holders, as it is the group of people who are making a living and retirement on the monthly payments your making.
I’m not a corporate bashing, tree-hugging, Commie, steal from the rich to give to the poor, sniveling little puke. I’m a Tech-utopian Libertarian conservative. (most people at this point say.. WTF? You’re a what?)
Here’s how this out of the box person see’s things.
We can save this planet with additional Technology, as in wireless and or wired broadcast power and communications (talking vastly larger amounts of bandwidth to anyone who is on the grid.) Higher Tech fuels, as in screw the gas, Screw the Bio-diesel, We are talking ocean saltwater electrolysis Hydrogen stored and powered hydrogen fuel-cells with pure water and minor amount of heat for waste products, (just think folks, if this was going on, we could produce more Oxygen, if all the cars where replaced, then all of the forests we cut down in Americas history.)
Save oil for military, and industrial use. We really don’t need it for civilian use.
Laptop, portable, off the grid, but somewhat protecting the majority of the environment (not into clear cutting) but I do strongly believe in private ownership of land, homes and bank accounts. Thus the Tech-Utopian belief.
Libertarian in that I believe individuals should be allowed true freedom as far as choice over one’s own body, mind and spirit. However I’m Conservative in that I don’t believe in the welfare state. I don’t believe in communism, it never works because it is everyone’s nature to covet, to want. I want that really nice car, I want a big house surrounded with forest with no one else looking in my kitchen window while I’m cooking. Communism and welfare state deal mostly with those who don’t want to do anything and still have everything.
Communist leaders and “party leaders” end up with everything and everyone else is living in a welfare state. The Welfare state (note: I’m not talking about disabled persons) deals with people who don’t want to work or do anything and receive everything for basic living.
God’s (or whatever belief system you may have) only motivator to give any person motivation to get off their ass and do something was hunger. Take that away and people fall into apathy. The only thing driving America and other “developed” nations is that whole covet thing, “I want this and I want that.”
I believe If you get off your butt, go to work and make money, it shouldn’t be taken away from you to feed some jackass drunk who claims life wont help him get out of the bar to hold down a job, so now you and me must give some of our money so he can go get drunk. What a bunch of crap, if you can work, you should work if you want (anything) The only thing the state should be paying for is medical and child daycare (for those who can’t afford it. Instead of giving them a welfare check, cover the daycare costs so they can work and make a life for themselves.
Long description of my belief system.
I work a day job (at night) 40 hours a day, and working what extra hours I can for making my way as a publication and game studio, which = about 60 hours a week in active work. Some for money and some hopefully to eliminate the need for money, and the fact I really love to make games and develop story ideas bouncing around in my head. That and I really hate working for someone else 40 hours a week, away from home.
Tossing my life away for someone who is taking my skills and making 800-1200 percent more off of my contribution to the company then what they are taking from me. (My check isn’t any where close to the profit they make off of my labor.)
If I only make 120 percent of the value of my labor, and it is all my money and labor for things I love to do, would be vastly better then having someone else making the 800%+ off of my labor, because it is all mine for me.
If I work co-operatively with others working on the same or similar project then it is great because I am not being Financially raped to live off of my labor, it would be a mutually agreed work life instead of a forced life style.
So As I get farther into this development rout, and start some of these amateur product development, with my professional experience in similar products, I’m finding the work isn’t so labor intensive as with working for someone else, and my energy level has gone from 100% drained to a negative energy drain situation. That’s where you gain energy from what your doing instead of being wiped out by what you are doing.
So with my spouse, who is the financial planner and mover of the family, we have managed to work under the corporate thumb for a good number of years, but cleared our debit, close to having our house paid off, and free to really work full time on our own projects to make a living.
When you have no bills and no mortgage, switching jobs and going from the top of the market to the bottom of your “chosen” job market and working up becomes as stressful as eating an ice-cream cone during the summer. Because even if you have “bad months” all you need to worry about is some food, as the roof over your head is already paid for.
And those good months become really, really good months.
Note to others pay your bills off and get out of the corporate “voluntary slave trade” When we paid our credit cards off, all the money we used to pay to the card companies and “interest” was being put to our cars, which got paid off in less then a year, and all that money along with the money we put on our cars, suddenly got piled up on our house payments, Guess what. That accelerated the house payment from 30 years to a track less then 18 years, however, because we didn’t start spending it all and put more money on the house, we may have it paid off in less the 5 years. Then we will have all that money for, well. Vacations will be really good to us after that..
..It all started with putting an extra $50 on one of our credit cards, which cascaded onto other cards and so on as they got paid off. It doesn’t take the lotto folks, simply start living with “in” your means (Stop buying things on credit), and you will find you will be out of debit in relatively short order. All the money your paying in debit, could probably pay your house off in half the time or less if you took your current bills and paid them to a mortgage (or took all your bill money and bought a house instead of renting)
The only thing you have to deal with then is, what would you really rather be doing instead of what your doing now for a job? The answers pretty simple.
As for me now I’m working on my representative for Elemental dimensions
So you like, she’s not too bad, don’t let the bald head fool ya.
Debit is such an easy corporate trap. Owing not to another person but to stock holders, as it is the group of people who are making a living and retirement on the monthly payments your making.
I’m not a corporate bashing, tree-hugging, Commie, steal from the rich to give to the poor, sniveling little puke. I’m a Tech-utopian Libertarian conservative. (most people at this point say.. WTF? You’re a what?)
Here’s how this out of the box person see’s things.
We can save this planet with additional Technology, as in wireless and or wired broadcast power and communications (talking vastly larger amounts of bandwidth to anyone who is on the grid.) Higher Tech fuels, as in screw the gas, Screw the Bio-diesel, We are talking ocean saltwater electrolysis Hydrogen stored and powered hydrogen fuel-cells with pure water and minor amount of heat for waste products, (just think folks, if this was going on, we could produce more Oxygen, if all the cars where replaced, then all of the forests we cut down in Americas history.)
Save oil for military, and industrial use. We really don’t need it for civilian use.
Laptop, portable, off the grid, but somewhat protecting the majority of the environment (not into clear cutting) but I do strongly believe in private ownership of land, homes and bank accounts. Thus the Tech-Utopian belief.
Libertarian in that I believe individuals should be allowed true freedom as far as choice over one’s own body, mind and spirit. However I’m Conservative in that I don’t believe in the welfare state. I don’t believe in communism, it never works because it is everyone’s nature to covet, to want. I want that really nice car, I want a big house surrounded with forest with no one else looking in my kitchen window while I’m cooking. Communism and welfare state deal mostly with those who don’t want to do anything and still have everything.
Communist leaders and “party leaders” end up with everything and everyone else is living in a welfare state. The Welfare state (note: I’m not talking about disabled persons) deals with people who don’t want to work or do anything and receive everything for basic living.
God’s (or whatever belief system you may have) only motivator to give any person motivation to get off their ass and do something was hunger. Take that away and people fall into apathy. The only thing driving America and other “developed” nations is that whole covet thing, “I want this and I want that.”
I believe If you get off your butt, go to work and make money, it shouldn’t be taken away from you to feed some jackass drunk who claims life wont help him get out of the bar to hold down a job, so now you and me must give some of our money so he can go get drunk. What a bunch of crap, if you can work, you should work if you want (anything) The only thing the state should be paying for is medical and child daycare (for those who can’t afford it. Instead of giving them a welfare check, cover the daycare costs so they can work and make a life for themselves.
Long description of my belief system.
I work a day job (at night) 40 hours a day, and working what extra hours I can for making my way as a publication and game studio, which = about 60 hours a week in active work. Some for money and some hopefully to eliminate the need for money, and the fact I really love to make games and develop story ideas bouncing around in my head. That and I really hate working for someone else 40 hours a week, away from home.
Tossing my life away for someone who is taking my skills and making 800-1200 percent more off of my contribution to the company then what they are taking from me. (My check isn’t any where close to the profit they make off of my labor.)
If I only make 120 percent of the value of my labor, and it is all my money and labor for things I love to do, would be vastly better then having someone else making the 800%+ off of my labor, because it is all mine for me.
If I work co-operatively with others working on the same or similar project then it is great because I am not being Financially raped to live off of my labor, it would be a mutually agreed work life instead of a forced life style.
So As I get farther into this development rout, and start some of these amateur product development, with my professional experience in similar products, I’m finding the work isn’t so labor intensive as with working for someone else, and my energy level has gone from 100% drained to a negative energy drain situation. That’s where you gain energy from what your doing instead of being wiped out by what you are doing.
So with my spouse, who is the financial planner and mover of the family, we have managed to work under the corporate thumb for a good number of years, but cleared our debit, close to having our house paid off, and free to really work full time on our own projects to make a living.
When you have no bills and no mortgage, switching jobs and going from the top of the market to the bottom of your “chosen” job market and working up becomes as stressful as eating an ice-cream cone during the summer. Because even if you have “bad months” all you need to worry about is some food, as the roof over your head is already paid for.
And those good months become really, really good months.
Note to others pay your bills off and get out of the corporate “voluntary slave trade” When we paid our credit cards off, all the money we used to pay to the card companies and “interest” was being put to our cars, which got paid off in less then a year, and all that money along with the money we put on our cars, suddenly got piled up on our house payments, Guess what. That accelerated the house payment from 30 years to a track less then 18 years, however, because we didn’t start spending it all and put more money on the house, we may have it paid off in less the 5 years. Then we will have all that money for, well. Vacations will be really good to us after that..
..It all started with putting an extra $50 on one of our credit cards, which cascaded onto other cards and so on as they got paid off. It doesn’t take the lotto folks, simply start living with “in” your means (Stop buying things on credit), and you will find you will be out of debit in relatively short order. All the money your paying in debit, could probably pay your house off in half the time or less if you took your current bills and paid them to a mortgage (or took all your bill money and bought a house instead of renting)
The only thing you have to deal with then is, what would you really rather be doing instead of what your doing now for a job? The answers pretty simple.
As for me now I’m working on my representative for Elemental dimensions
So you like, she’s not too bad, don’t let the bald head fool ya.
1 comment:
I think I understood most of that. I myself am mired in debt (not debit, just a little correction for you) but I live on (quite comfortably). We are working to get out of debt, but it is hard if you aren't good with money, which neither I nor the missus am. But it is a noble goal. I admire you for doing it, and hope to follow in those footsteps.
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