First i see no problem with me taking my own money to buy what I want to buy and using my loan to pay for school.
You're taking out loans, therefore you have NO MONEY!! You're not making anything! If you are still going into debt, you have no money for expensive toys.
Where does it say i can not do that. Why should i be broke and have nothing just because i am a student.
Because you should be earning money before you are spending money. Why do you feel so entitled to have all sorts of toys that hard-working full-time workers cannot afford? You have a lot to learn about money. I take it from your other post that you already ruined your credit somehow? Or if it's that you're trying to build it, a silly 21% auto loan will do nothing for you. Get a credit card that gives points/money back (like Cabela's) and PAY IT OFF EVERY MONTH. THAT will help your credit. You're just throwing money away on that car/truck.
How are you to tell me what is appropriate for my budget. I know kids in school who show up for the first month get there loan an fin aid and that's it go buy a nice care 1500 laptop for nursing and never come back till finales atleast i do my work and pass 90% of my classes.
A $1500 laptop that is used to do coursework and access things online FOR SCHOOL. You can't do college without a computer anymore. Besides, a nurse and walk out the door at graduation and make $50k/year virtually anywhere in this country. Not so in construction.
And passing 90% of your classes? That's a low bar you're accepting there. You expect to be clearing 6 figures (taken from another post of yours) and working in the office writing checks when you've got failed classes on your record? Who's going to hire you? In a market like this they'll hire someone with a 3.0 GPA competing for that same job.
As for who I am to give you advice on your budget, perhaps you would get a long way by listening to people who have been there. I grew up dirt poor as a result of the farming crisis of the 1980s. I remember a few years we never knew if we'd have a roof over our heads the next month, but we made it through. I understood that you don't get nice things just because you want them, no one is entitled to anything. No money for it, no nice toy.
I had no safety net so I had to either make a successful career or I'd never leave that poor town. I worked my tail off in school, then picked a cheap state school with my major because a) they'd give good scholarships to get someone with my GPA in, and b) living expense etc were dirt cheap. I used the money I'd saved up through summer jobs to buy a basic computer. I worked my tail off there too and despite doing 2 NCAA sports got near the top of my class again. On the way I worked as many as 3 part-time jobs at a time to pay my rent and expenses. I can remember going to the bar literally with a pocket full of change, because that is the only money I'd let myself spend on that. On graduation day I had less than $100 to my name but was DEBT-FREE. My 15-year-old beater car was finally not fixable with the toolbox and duct tape I kept in the trunk and needed to be replaced.
This does not mean I did not enjoy the outdoors. My college was surrounded by Michigan's Upper Penninsula woods and I spend every weekend there. For hunting, I had a Traditions Deerhunter sidelock that I bought for $119 and a Mossberg 500 I bought for $200. I shot the same PSE Spirit bow from age 12 to age 26. Cheap but effective, I killed 2-5 deer every year.
In 2000 after graduating, I stayed there for a week after graduation to roof a professor's house all by myself to earn the money for a car downpayment ($1500). I bought a 1998 Ford Contour used with 23,000 miles for $8500. I bought a stick because nobody wants to buy used sticks so I got a great deal.
I went into a graduate program that paid me a living stipend. Each month after my car payment ($250) and rent ($400) I had about $100 left for everything else. But I made it and took out no loans.
3 years later I got married and my wife had a great job so our situation improved. But she'd spent a lot while in grad school so we paid for it by big loan payments every month. Despite having more money we moved in with our bachelor best man and rented half his house, $400/month, to save money. We put on our wedding for about $8000 including honeymoon, I paid for it with money I scraped together over the previous two years and again no debt other than her student loans (which paid for themselves by getting her a great job). We did buy her a new car in 2003 because she worked the late shift in downtown Detroit and I did not feel safe with her leaving work at 2am in an old car of a model stolen a lot. Took a loan for that.
In 2004 I took the first debt of my life outside my small car loan (which I'd just paid off) when I decided to leave my research grad program to pursue a more lucrative MBA. I ran up about $40k in debt in two years, but we continued to live cheap so that was a lot less than the $100k debt most of my classmates left with. When I got my job, I arm-wrestled the company into a loan to allow me to pay off high-interest student loan debt and get a better interest rate.
All this time, I continued to shoot and enjoy the outdoors. I made do with old and substandard WalMart hunting clothes though I did upgrade my ML to a Traditions Lightning LD and eventually a T/C Omega as our finances improved. My wife bought me my most expensive gun to date, my Remington Sendero elk rifle, as a birthday/Christmas/anniversary present one year.
The result of all that hard work, listening and learning from my bad experiences, and financial common sense was that I landed a great job and within a year of finishing school we were able to buy a nice house on 15 acres in Indiana (10% down, 30 yr loan, no gimmick loan to get us in trouble though they tried to sell us one) so I could build a gun range and game bird habitat, and my wife went to part-time. I can apply for relatively pricey non-resident tags out west each year. We can go on vacation and afford to buy plane tickets to visit family spread across the US.
My wife's "new" car (paid off in 2008) has $105k miles on it, I still drive the 98 Contour (paid off in 2004) now with 163k miles on it. My hunting truck is a 2WD 91 Sierra with 200k miles I got for free.
It would be nice to go on a cruise or fancy vacation, to the Bahamas, but typically we go to stay with family or something equally cheap. It would be nice to hire an outfitter and get trophy elk, but it's a fraction of the price to do it myself (and a much more rewarding experience). It would be nice to drive a new car, or have a 4X4 that can actually get into where I hunt, but what I have is paid for and gets the job done for now. It would be nice to have a custom 243AI in a McMillan A3 stock like I've always drooled over, but the cheap Savage 243 I just bought does 95% as well. I could really use a Ranger ATV around the property, but that money looks good in the bank right now.
Instead of spending all my money on STUFF I sock $1000/month away against the student loans to get them paid off, stash 7% of my income in a 401K, and focus on having good experiences with friends and family -- without wasting money.
So who am I? Just a guy who made it from nothing with some basic financial common sense, patience and maturity that you could stand to learn.
You're all hung up ruining your financial future spending money you don't have on STUFF. Learn to appreciate what you have, and make do with what you have until you are on a solid foundation. You'll get double or triple return in a few years by being smart about money NOW.
STUFF isn't what makes hunting or the outdoors enjoyable. I spent the first week of November up in the Montana mountains on an elk hunt with my best friend from high school. We passed the time talking about all the years of great times we had together hunting, all the kills and experiences, back when we were both poor using hand-me-down guns with crooked sights and had never laid eyes on a gun with an honest-to-God scope, "only rich people had scopes".
He has a good job too. You know what he was hunting with? That cheap Remington SPS and Nikon Buckmaster scope setup I told you about. And he killed a muley at 550 yards with a perfect shot.
You don't "deserve" an AR or anything else for that matter, until you've earned it. So many people got themselves in trouble and lost houses/cars etc over the last two years for the exact same reasons you're catching crap now. Learn from their mistakes without having to make them yourself. When you're 31 like me and in a good spot rather than trying to dig yourself out from a mountain of debt wondering what the hell happened, you'll appreciate the advice.