12
rutee07
28d

Payday.

There were so many days when I just want to skip work because I'm lazy and I have no critical tasks. The only reason I stopped doing that is because when I was still a probationary employee and only had a few paid leaves, I experienced a one day deduction and it blew my mind how much I'm actually earning right now and how much I'm throwing away when I could just show up.

I do not pay attention to my paycheck that much. I negotiate my salary all the time but it didn't really sink in how much it grew until I saw how much I actually lose from being a lazy fuck. Now I have 30 days paid leaves and I'm not even touching any of it, not like there's anywhere to go at this time.

It sounds weird that I don't know this but here, it's common for people to always be looking forward to the next payday and be struggling more as the date comes near. When it's payday, almost everyone acts like millionaires. I remember that in my old company, when people said it's payday and I looked clueless, they say "You're so rich that you don't even look at your money."

I'm not rich, at least not in the definition of I can retire right now and it wouldn't be a problem or I have a helicopter and a mansion but I'm glad I don't have the kind of lifestyle where my financial stability is threatened every time I get close to payday.

Comments
  • 2
    Heh, this attitude hacks me off a bit - people who have a perfectly decent income, but live to paycheck to paycheck and then complain when it hits the fan and they can't survive even a few weeks without work. They'll then invariably complain how unfair life and the "system" is on them because they can't afford to get by.

    I actually know people personally who will say "hey, it's payday tomorrow and I've still got (amount) left in my account, better get spending!"...then proceed to empty their account by ordering useless crap they'll probably just bin a few months later. The thought of saving doesn't even enter their mind. But they're also the first people to complain that they can't afford a deposit for a house, car, etc.

    I never understood it either. Live within your means, which includes saving a percentage of your income each month, and you'll be just as happy, and able to survive a few months if it all goes to pot.
  • 2
    @AlmondSauce I am so glad I cut off contact with most of these kinds of people before the lockdown began. They would burn money on drinking every night and it becomes more extravagant every payday. I can't imagine the amount of parasitic texts I would have received from them losing their jobs and not having anything left.

    There's a saying here which translates to something like "one scratch, one peck" which refers to a kind of lifestyle where if one stops working for a day, they would have nothing to eat. It's true and sad for the really unfortunate ones but people with decent income started adapting to that lifestyle too.
  • 2
    @rutee07 Yeah, it's ridiculous. There's also an increasing denial of financial responsibilities - as well as everyone living off loans & credit, we live in a world where consumers are taking companies to court when they can't pay back loans, because it's the company's fault who gave you the loan in the first place to check whether you should be able to pay it back (?!?!?!)

    I think the worst example has to be my (fortunately long ex) housemate, who genuinely thought that loans were just "free money", and the higher your salary the more "free money" you got. The ignorance was astounding (not just in money either, but that's a story for another day) 🤦‍♂️

    As an adult, your money and your financial decisions are your responsibility alone. If you need a credit check or a company to know if you can afford to pay back a loan... you're already on a horrendous downward spiral.
  • 1
    @AlmondSauce That's ridiculous. I didn't know you can take them to court because YOU can't pay your loans. I don't think that exists here but the "free money" people definitely do. It's either credit cards, loan sharks, friends, or family - everyone is a walking wallet for them.
  • 1
    @rutee07 Could have been wrong on the taking to court bit actually - I now can't find a reference to that. But there's definitely been complaints of "I took out a loan for too much and it's not my fault, it's your fault!"

    eg: https://bbc.co.uk/news/... - boils down to "She bought a £20k car on finance and can't afford it, this is all your fault and it's wrecking her life."
  • 1
    @AlmondSauce well that’s the definition of bankruptcy. you go to the judge say "i can’t pay” they give you some slack and cut you off from the banking system in return
  • 2
    @cafebabe Sure, and that's you saying "hey, I took out this loan, can't pay it back with all I have, that's my bad, I need to be declared bankrupt." That's fair enough.

    This is "hey, I took out this loan, paying it back is a PITA, and I shouldn't have been sold this loan in the first place so it's the guy's fault who sold it to me, not mine, you should cancel it or reduce the term!"
  • 2
    @AlmondSauce the nuance is entitlement, got it
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