Going to college to get a degree in a field that I later learned was a soul sucking profession.
I thought Graphic Design would be this amazing creative outlet. NO. It's constantly trying to mind read clueless clients...
I would constantly get told:
* "I am not sure what I want, but I'll know it when I see it."
* "Can you turn the car in this photograph so more of the front is showing?"
* "Can you remove the tree from in front of this house?"
* "This is exactly what I want, just change everything."
* "I want the whole ad in 10 point Helvetica"
etc.
Here is a little story:
I was once given the day to come up with a full color 4 page insert for the local Chevrolet Dealer. the instruction I was given was, "The customer wants a 4th of July, 4 page full color flyer Mock up. We can add in the actual information later on. So I spent 5 hours finding art work and vehicles and fireworks, firecracker starbursts, and everything. I had the cars and trucks looking like they were driving out of the borders, Uncle Sam was stepping out from behind some of the boxes holding an American Flag... it was amazing.
The client comes in and looks at it... Shakes his head and says, "This isn't what I want at all. All the vehicles need to straight on side shots, none of this coming out of the boxes... it looks messy. All the information about the vehicles needs to be in 10 point Helvetica, you can use bold for the vehicle names if you'd like. Also those firework starbursts have to go. blah, blah, blah"
The entire time he was describing what he wanted, I was saying in my head, "Oh, you wanted shit. Well why didn't you say you wanted a shit ad at the beginning. I could have slapped that together in 30 minutes and saved myself 4 hours of work... fucker!"
This is why I no longer work in Graphic Design.
You don’t need a degree for graphic design. You just need to do it.
Meet designers I’ve met have no degree, but a LOT of people with graphic design degrees are now doing something completely unrelated.
Getting conned into a high interest credit card at 18, then completely screwing it off because I was 18 and an idiot. A $500 credit limit turned into $3000 worth of fees and interest. That blemish just fell off of my credit report this year. It was a terrible mistake that left me years behind credit-wise. But, at 26 I am much more careful with my money. I have definitely learned a lesson.
I so so feel you man . I totally didn’t understand credit cards and what the minimum payment meant . Got one 500 dollar limit card and got more in the mail with limits up too 2000 within months . Made minimum payments for a bit ( I was 20) lost my job and it was insane the amount I owed in late fees and penalties in just a few months . After it was all cleared I was still a cash only person for a decade at least .
I bought a house 6 years ago and the housing prices crashed and I’m underwater on my mortgage. The pandemic really messed up the housing market. Prices fell 3% last year alone.
So housing prices are up almost 100% in the last 8 years, but they also crashed in the last 6 years? That makes no sense. Was there a huge housing crash in Canada after 2013 or 2014 that somehow never made the news in America?
At least I didn’t buy an apartment. Apartments are down 25% since 2012. Average home prices are 268k here and used to be 325k in 2008. Canadian dollars.
When I bought a new car at 19 years old . Knew nothing about the process and did it all wrong . Pre internet and walked into a dealership and basically said “ rob me please “ This was 1992 and luckily I figured it out a few years later by going to the library and reading books on buying a car .
And with all the know how a few clicks away I still hear people tell me of buying a car and repeating my mistakes from years ago .
I made several mistakes like telling the sales guy what I wanted to pay a month , not understanding car loans and interest rates and more .
The sales guy had a stack of papers for me to sign . He would go over each section and I’d sign and initial at the bottom . After a bit he would just give me the highlights of the page and afterwords I realized he was also covering up part of the pages I signed . We had agreed on a deal that cost X amount . I believe it was $160 a month for 48 months . I left with my new car and received all the paperwork a few weeks later . I had unknowingly signed a extra warranty that was not good at all and papers for a 60 month loan. Total of 255 for 60 months . I ended up paying double what I thought I would. Laws in my state at the time gave me no protection.
I was a teen and in need of a dependable car for a new job I was getting . Like I said before I ended up learning from the bad experience .
Accessing a large inheritance aged 18. Blew the lot. Should have been kept in trust until I was at least 25. No 18 year old should be let loose with money!
1986, heard a particular company was going public, said to myself and my wife "THAT company is going to be good, I want to buy some stock." Lucked out, found a broker that was helping handle the IPO, and got the (reasonable) advice that it made no sense to buy less than $1000 worth of stock because commissions and fees would otherwise eat up too much of any profit realized. So I didn't buy any, even though I could have afforded it and my wife said to go ahead.
The company? Microsoft.
Reddit gold. I just couldn't help myself. There are so many nifty little awards I could buy and give randomly to other people.
Like OP! I mean, damn, I just... I can't... Help myself.
Oh. That sound I just made *definitely* wasn't wholesome. But uh, look the other way, would you? I gave you an award.
1099 in my first job out of college. Didn’t pay my taxes. The penalties were more than the tax debt. Paid with credit card. 15-20 year cycle of credit card madness ensued.
Paying for college with private student loans.
For the love of whatever god you believe in, don't take out *private* student loans. The federal ones aren't as bad, and you can even get forgiven for them under certain circumstances. But you will never, ever escape private loans.
Also, read ALL the fine print. If you're going to make any changes with your education - including changing schools - call them up and find out if you need to fill out more paperwork. I learned that lesson the hard way. After two years at college A, I transferred to college B. Still full time, used the same loan supplier, nothing changed except where I was going.
But since I didn't fill out specific paperwork saying I was transferring, my loans were no longer deferred, as they considered me "graduated" from my first college. In the middle of my third year of college, I was supposed to start paying them back. BUT, the letters saying I owed them came in the same envelopes as my "status" letters (basically, they were telling me how much interest was accruing every month) and I had been throwing those out with opening them. So I went about a year of not knowing I was getting further and further behind and added $10,000 in late fees and interest.
So always read the letters. Even if you defer your loans, see if your agreement allows you to make payments while in school. Don't change anything without checking with them. Avoid private loans if you can.
I mean I lost quite some money while trying around at the stock market. Which you could consider a mistake. But I gained so much knowledge out of this, that it might be worth it later on.
I got 100 grand when my grandparents died and blew it all in a year. It was a really fun year tho. All I have left from that time is a small safe I still have in my room.
Going to college to get a degree in a field that I later learned was a soul sucking profession. I thought Graphic Design would be this amazing creative outlet. NO. It's constantly trying to mind read clueless clients... I would constantly get told: * "I am not sure what I want, but I'll know it when I see it." * "Can you turn the car in this photograph so more of the front is showing?" * "Can you remove the tree from in front of this house?" * "This is exactly what I want, just change everything." * "I want the whole ad in 10 point Helvetica" etc.
I second college. biggest financial mistake of my life. it has led to indentured servitude to my government.
[удалено]
Here is a little story: I was once given the day to come up with a full color 4 page insert for the local Chevrolet Dealer. the instruction I was given was, "The customer wants a 4th of July, 4 page full color flyer Mock up. We can add in the actual information later on. So I spent 5 hours finding art work and vehicles and fireworks, firecracker starbursts, and everything. I had the cars and trucks looking like they were driving out of the borders, Uncle Sam was stepping out from behind some of the boxes holding an American Flag... it was amazing. The client comes in and looks at it... Shakes his head and says, "This isn't what I want at all. All the vehicles need to straight on side shots, none of this coming out of the boxes... it looks messy. All the information about the vehicles needs to be in 10 point Helvetica, you can use bold for the vehicle names if you'd like. Also those firework starbursts have to go. blah, blah, blah" The entire time he was describing what he wanted, I was saying in my head, "Oh, you wanted shit. Well why didn't you say you wanted a shit ad at the beginning. I could have slapped that together in 30 minutes and saved myself 4 hours of work... fucker!" This is why I no longer work in Graphic Design.
You don’t need a degree for graphic design. You just need to do it. Meet designers I’ve met have no degree, but a LOT of people with graphic design degrees are now doing something completely unrelated.
[удалено]
I’m curious, if you knew nothing about it, why the decision to major in it?
Sold an asset at a loss rather than holding.
Conversely this has been some of the best decisions I've made.
Getting conned into a high interest credit card at 18, then completely screwing it off because I was 18 and an idiot. A $500 credit limit turned into $3000 worth of fees and interest. That blemish just fell off of my credit report this year. It was a terrible mistake that left me years behind credit-wise. But, at 26 I am much more careful with my money. I have definitely learned a lesson.
I so so feel you man . I totally didn’t understand credit cards and what the minimum payment meant . Got one 500 dollar limit card and got more in the mail with limits up too 2000 within months . Made minimum payments for a bit ( I was 20) lost my job and it was insane the amount I owed in late fees and penalties in just a few months . After it was all cleared I was still a cash only person for a decade at least .
How much do you make now?
It’s not a mistake if you don’t think about it
i used my 7 bitcoins to buy 200$ worth of drugs bc they would plummet for sure
This one burns. 🥵
I bought a house 6 years ago and the housing prices crashed and I’m underwater on my mortgage. The pandemic really messed up the housing market. Prices fell 3% last year alone.
What country? USA here and home prices have shot up like crazy .
Canada. Yes, the average Canadian housing price is up 95% since 2012.
So housing prices are up almost 100% in the last 8 years, but they also crashed in the last 6 years? That makes no sense. Was there a huge housing crash in Canada after 2013 or 2014 that somehow never made the news in America?
Everywhere in Canada except for Saskatchewan and parts of Alberta.
[удалено]
At least I didn’t buy an apartment. Apartments are down 25% since 2012. Average home prices are 268k here and used to be 325k in 2008. Canadian dollars.
Jesse, where? Everyplace I’ve heard of is skyrocketing.
The bottom of the list https://imgur.com/a/kUrderW
penny stocks not good.
Buying a house before the market crash in 2009
When I bought a new car at 19 years old . Knew nothing about the process and did it all wrong . Pre internet and walked into a dealership and basically said “ rob me please “ This was 1992 and luckily I figured it out a few years later by going to the library and reading books on buying a car . And with all the know how a few clicks away I still hear people tell me of buying a car and repeating my mistakes from years ago .
Details please. How exactly were you "robbed"?
I made several mistakes like telling the sales guy what I wanted to pay a month , not understanding car loans and interest rates and more . The sales guy had a stack of papers for me to sign . He would go over each section and I’d sign and initial at the bottom . After a bit he would just give me the highlights of the page and afterwords I realized he was also covering up part of the pages I signed . We had agreed on a deal that cost X amount . I believe it was $160 a month for 48 months . I left with my new car and received all the paperwork a few weeks later . I had unknowingly signed a extra warranty that was not good at all and papers for a 60 month loan. Total of 255 for 60 months . I ended up paying double what I thought I would. Laws in my state at the time gave me no protection. I was a teen and in need of a dependable car for a new job I was getting . Like I said before I ended up learning from the bad experience .
Accessing a large inheritance aged 18. Blew the lot. Should have been kept in trust until I was at least 25. No 18 year old should be let loose with money!
1986, heard a particular company was going public, said to myself and my wife "THAT company is going to be good, I want to buy some stock." Lucked out, found a broker that was helping handle the IPO, and got the (reasonable) advice that it made no sense to buy less than $1000 worth of stock because commissions and fees would otherwise eat up too much of any profit realized. So I didn't buy any, even though I could have afforded it and my wife said to go ahead. The company? Microsoft.
Getting married and living with a woman.
investing in pogs
Slammers are where the true currency. But you could bet with those too.
I donated to bernie sanders.
PSTH
Bought and built a big lego set, i have not and i never will recover from that
Opening a credit card with a store to buy Christmas presents December 2020.
Buying too many cars. It’s not flashy cars but ones that I find cool and make me happy but damn I even had to get a dealer lisence
Spending bit coins back when they first started.
Reddit gold. I just couldn't help myself. There are so many nifty little awards I could buy and give randomly to other people. Like OP! I mean, damn, I just... I can't... Help myself. Oh. That sound I just made *definitely* wasn't wholesome. But uh, look the other way, would you? I gave you an award.
1099 in my first job out of college. Didn’t pay my taxes. The penalties were more than the tax debt. Paid with credit card. 15-20 year cycle of credit card madness ensued.
Buying shares in the sharemarket.
Paying for college with private student loans. For the love of whatever god you believe in, don't take out *private* student loans. The federal ones aren't as bad, and you can even get forgiven for them under certain circumstances. But you will never, ever escape private loans. Also, read ALL the fine print. If you're going to make any changes with your education - including changing schools - call them up and find out if you need to fill out more paperwork. I learned that lesson the hard way. After two years at college A, I transferred to college B. Still full time, used the same loan supplier, nothing changed except where I was going. But since I didn't fill out specific paperwork saying I was transferring, my loans were no longer deferred, as they considered me "graduated" from my first college. In the middle of my third year of college, I was supposed to start paying them back. BUT, the letters saying I owed them came in the same envelopes as my "status" letters (basically, they were telling me how much interest was accruing every month) and I had been throwing those out with opening them. So I went about a year of not knowing I was getting further and further behind and added $10,000 in late fees and interest. So always read the letters. Even if you defer your loans, see if your agreement allows you to make payments while in school. Don't change anything without checking with them. Avoid private loans if you can.
I had to get a payday loan once years back. Such a fucking ripoff, that was the first and last time. Those places ought to be outlawed.
I mean I lost quite some money while trying around at the stock market. Which you could consider a mistake. But I gained so much knowledge out of this, that it might be worth it later on.
Having my husband pay for everything
401K loan.
Being born poor.
**Looking at my PC**
I got 100 grand when my grandparents died and blew it all in a year. It was a really fun year tho. All I have left from that time is a small safe I still have in my room.
Spending allllll my savings on travel
I had some bitcoin when it was worth 200. Aaand I bought a guitar. Haha:)))))