need some help please

[styleee]

ok, i was wondering if any of you could give me some direction cause i don't know what i'm doing. pretty much all of my problems root in the fact that i make no money, but lets try to forget that for now.

my biggest issue right now is that i'm supposed to get a shore house with a bunch of friends, and i need 1000 bucks by next month (with about a .001% chance of finding any money.) now, i could be a pain and back out, but, i've always wanted one. ahhhh. the thought of not getting it is killing me.
my question is, should I
[list=a]
back out now and hopefully my friends can find another person to take my place
wait until the very last minute, cause i might somehow be able to find the loot
charge it on my credit cards? really what's another 1K when i owe 6
or, my roomate told me a while ago she could lend me a few bucks if i need it. but, i'm not sure if i could pay her back anytime soon, so i don't want to get my self into more trouble then i'm already in
[/list=a]

next issue:
i'm a total moron and i fucked up my taxes and owe 736 bucks. well, i don't even have 100, let alone 736, so i just sent them in without a check. :) now what do i do?

third:
ah, the job. why do i have all these stupid problems? its cause i'm underpaid. well, that's not really true, i don't do much of anything, so i guess i get paid pretty well for playing on the internet all day long. here is the problem: i want work!!! this really gets tired after a few months. and i could go find another place to work, but i'm like totally not qualified to do anything. i have a degree in photography for pete's sake! i'm not going to make any more money then i am right now if i stay in this stupid industry any longer. the problem is, i like it :( and ahhhhhh! i'm a dumbass. i'm waiting around for a postion that i would really really really love, but have no idea when it is going to be available, if ever. cause no one ever leaves (bastards whose jobs i want!)
so what do you think i should do? here are the options i came up with
[list=a]
suck it up and be poor
get a second job at night / weekends. but this conflicts with the shore house (that is, if we decide i'm going to take it)
find a new job, but not sure if i'll make much more then i am currently. although, if i do sales, which i hate but i'm pretty good at, i can probably make a little more. get a job for the money, or a job that makes me happy?
fill in the blank
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and the big one
college. i guess i should go back. i've always planned on it, but i've been out of school for three years now, and no luck. one of the problems is that i can't decide what i want to do. its between math and graphic design. strange, i know, but so what. so then whatever i decide to do, i have my big issue with where to go. i promised myself i would go to a school that is somewhat recognizable. nobody has ever heard of the first school i went to, and it drives me up the wall. so then of course there are other issues, like how do i pay for it? and how long is it going to take to finish? etc. (btw, i work in NYC, where every school is about a bazillion dollars a semester, give or take a few.)
anyone have input on working full time while trying to finish a degree? and i have to first let you know that i'm a major slacker. it took me four years to get a stupid associates degree cause i was to concerned with making money then doing homework. it wasn't till my last year in school that i stopped working so much and finished everything. so i know working and school is going to be really hard for me to handle.


so now, beyond the fact that money is the root of all (my) evil, what do you think i should do? & i've already accepted the fact that i will have 0$ for at least the next two years.

[styleee]

btw, do you like my use of the list vB code?

i've always wanted to use it =)

[Jenny]

The only question I can help you with is about your taxes. Call the IRS (find it on their website or something, I have no idea what the phone number is). With a figure that big, I am almost positive they can work out a payment plan. We had to pay in $235 for state this year, but went ahead and paid it all at once. I hope that helps with that question.

As for the job, I would honestly try and find something else for now. I mean, look at WalMart or K-Mart or someplace like that that has a photography studio and needs a photographer. At least you would be taking pictures. And that, you wouldn't feel terrible about quitting on a moment's notice if something great does come along...

[m0j0]

as far as i can see, some of these problems are related. for example....maybe the shore house will make your work commute easier and alleviate some other problems.

i agree with jenny (i once had a friend named jenny....she was my bestest good friend) about the taxes. either that or try to get an extension.

you should make a list and prioritize accordingly. i mean, see what is most important. you prolly can't do all the stuff on this list, since it involves monetary flow away from you. however, some of them are big. i mean, if i could get a shore house, i would make that first, then get creative with the education (online, community college, etc). with a credit card you can make it happen.

at any rate, good luck!

[topane]

Originally posted by styleee
charge it on my credit cards? really what's another 1K when i owe Don't do that, you'll keep doing it and 10 years down the road you'll be paying off 14 grand because you had to have things. I know it's hard, but you'll be happier in the end. Trust me.

[Butch]

Hmmm . . . ya didn't hear it from me . . . but as for the taxes, I'd just not send it in . . . if you get audited . . . well . . . you'll owe the $736 + interest (At least I think that's the penalty so long as it was an honest mistake), but if they don't catch ya, yer all good. And what are the odds the IRS is going to audit you? I mean they have already said they're basically letting a million tax cheats get away due to understaffing.

On the issue of the beach house, could you just work out an agreement with your friends where you would back out now so they could try to find someone to go in on it with them, but then spend some time out there and pay by the night or something? That way you'll get a few weekends or more out there or something but not have to pay the full $1000. It would then work out even better for your friends if they found someone AND had you out there here and there helping out with the payments.

On the job front . . . look for a new one . . . it can't hurt. As for the college thing . . . you're on your own. :)

Oh well . . . just my two cents.

[styleee]

Originally posted by Butch
Hmmm . . . ya didn't hear it from me . . . but as for the taxes, I'd just not send it in . . . if you get audited . . . well . . . you'll owe the $736 + interest (At least I think that's the penalty so long as it was an honest mistake), but if they don't catch ya, yer all good. And what are the odds the IRS is going to audit you? I mean they have already said they're basically letting a million tax cheats get away due to understaffing.

On the issue of the beach house, could you just work out an agreement with your friends where you would back out now so they could try to find someone to go in on it with them, but then spend some time out there and pay by the night or something? That way you'll get a few weekends or more out there or something but not have to pay the full $1000. It would then work out even better for your friends if they found someone AND had you out there here and there helping out with the payments.

On the job front . . . look for a new one . . . it can't hurt. As for the college thing . . . you're on your own. :)

Oh well . . . just my two cents.

thanks :)

[fakesurfers]

Two words: wait tables.

People with liberal arts educations very rarely get to have well paying jobs that they enjoy.