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Good and Bad Procrastination
dtolton writes "Paul Graham has written an interesting article on Procrastination. He presents three different types of procrastination and one type of procrastination is even good! He also suggests that some types of "getting things done" are actually weak forms of procrastination. The only downside to this article is now you'll have to look at your procrastination with an analytical eye too!" Perhaps next year's Christmas shopping can benefit from the writeup?
Is disappointing to see how many people that have the perception that 'you get money when you file for taxes' for the regular wage slaves.
The more accurate perception is that:
You cannot manage your money well, the government has a plan that always works in their favor. See, they will take about 30% of your pay for "free" every month without you having to think about it. If fact, they will take a little extra, just to make sure you pay "enough" by the end of the year. They will hold it for free for you until the end of the year. The will then continue holding it until you ask for it back, for free!
Unfortunately, I have had the government blindly take my money every time I get paid since I was 15 years old, that I was conditioned not to think much about it until recently. People often say that their housing is the most expensive thing they pay for, then their car. The are wrong and off by one. Taxes are #1, house typically #2, car typically #3. Aside from gas and regular maintenance, I spend more on food and beverages (mostly alcoholic, and taxed out the wazoo) than I spend on car payments. I currently pay $20 a month interest on my car, and it will be paid off in a while. I've never paid more than $2,500 for a car before, but I wanted a better one so I splurged with a $7k car after the police took my last one. Oh, well.
I'm curious. How do you estimate your taxes, and what do you do with your money until they ask for it? I'm not that experienced with financial stuff because I'm apathetic towards it, but I'm very interested in putting more $$$ in my pocket and not the government's. By my rough estimates, I would only make about $200 to $300 at a 3% interest (I'm basing this on a 30% tax of about $50k income) if I didn't do any withholdings. I don't make much money, but to me I would actually prefer to have the government manage my debt to them and get a little extra back in one chunk at the end of the year for the extra couple of bucks. So I guess I'm in the "I cannot manage my money well department", but if there was more incentive for me to do so, I could be more interested in spending more time with this. But right now, I only deduct student loan interest and mortgage interest because I don't know if any extra investment in effort and time would be more profitable than getting a side job which I'm not interested in doing either.
I am grateful that I don't have to pay taxes on medications, but I'm ungrateful that I have to spend extra tax over top of the "regular" tax to eat. But I can shit for free.