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Yes, exactly. Much of this forum is for people who don't have even one month's expenses in reserve.
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Aug 30, 2013 06:44
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Starting using YNAB and getting to the point where I'm able to live on last months paycheck was a big change in attitude for me. Now I don't get excited when my salary is deposited to my account or worried about future big expenses because I'm used to having decent liquidity compared to before.
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Aug 30, 2013 07:07
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Zteuer posted:Starting using YNAB and getting to the point where I'm able to live on last months paycheck was a big change in attitude for me. Now I don't get excited when my salary is deposited to my account or worried about future big expenses because I'm used to having decent liquidity compared to before. Yeah this is what is was about for me back then. It wasn't so much about having 7 instead of 6 months in savings, it was that realization that for the then first time I didn't need my paycheck to survive that week. It's a pretty big barrier to break down for someone who's spent years living paycheck to paycheck. I think the 1 months salary reserve, is more of a first step than a long term way of life. Rudager fucked around with this message at 10:47 on Aug 30, 2013 |
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Aug 30, 2013 10:45
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  Just gonna repost these for this page for reference. SiGmA_X posted:Tuyop, I'd still do an average of most of your budget categories. Except for fixed changed poo poo like insurance, rent, maybe utilities, etc. Or perhaps average since you guys got the most recent place this summer, so <2mo ATM? That's what we do with the numbers next to the categories are related to. I cleaned it up a little and double-checked: [image removed for SECRETS] So yeah, most of my line-items come from an average or known, fixed amount. The problematic ones are consumable, like car maintenance (I use a conservative per-kilometer average running cost for my maintenance line), sports, clothes, groceries, and the household goods and misc goods. The "goods" lines are really the only ones that suffer from having inconsistencies in your lifestyle, and only then if you let them. We could be much more disciplined with those. tuyop fucked around with this message at 13:48 on Aug 30, 2013 |
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Aug 30, 2013 12:28
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Might want to edit out your names on that last pic if you care. NOW YOUR SECRET IS KNOWN TO ME
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Aug 30, 2013 13:26
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man, I saw 500+ new replies and thought maybe there was some cool drama going on. Nope, just some house-buying bickering and a whole lotta nothing. And some discussion about my own feces  Congratulations on your progress, Tuyop and Toeshoes!
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Aug 31, 2013 00:12
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CornHolio posted:man, I saw 500+ new replies and thought maybe there was some cool drama going on. Nope, just some house-buying bickering and a whole lotta nothing. And some discussion about my own feces Hey, I also made fun of your dresser purchase!
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Aug 31, 2013 01:31
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cstine posted:Hey, I also made fun of your dresser purchase! aw but we never purchased a dresser. Although, we were given one that was slightly bigger earlier this year. Well actually it was ours, we'd left it at the SIL's house, and I hadn't thought it was any bigger. Turns out, it IS bigger, by 25%, despite having one fewer drawer.
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Sep 4, 2013 01:21
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I wish we had a bigger dresser. Or fewer clothes. Hm.
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Sep 4, 2013 04:21
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Nudity is very sustainable. Maybe not in Canada, though.
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Sep 4, 2013 04:22
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Never you mind posted:Nudity is very sustainable. Maybe not in Canada, though. Why does the conversation always come back to internet cam-whoring?
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Sep 4, 2013 16:20
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Zeta Taskforce posted:Why does the conversation always come back to internet cam-whoring? Fate.
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Sep 4, 2013 16:58
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Something something no jokes large package.
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Sep 5, 2013 11:56
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 August Update Student loan is gone! And so are most of the savings.  Here's what we made vs spent. The balance is $14. Pretty much even this month because of the wedding or something. This just shows that we spent savings to the tune of like 2500 bucks.  And here's where that all went. "Uncategorized" is all wedding vendor cash transactions. I have them tracked in YNAB so. 
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Sep 6, 2013 12:40
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And... double-post. How do you guys feel about, rather than a Macbook Air, I pick up a used ipod touch (4th or 5th gen)? I really just want something to beep when calendar appointments are due, take quick notes on Evernote, and something that I can quickly check class internet stuff on. Wifi is everywhere in the university, so an ipod touch should work with all of these things. Looks like 5th gens are going for like 250 on eBay, and 4th are around 150 in my area and on eBay.
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Sep 6, 2013 12:47
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Tuyop, this is why people think you are nuts. You go from extreme to extreme. It's either "top of the line, overly expensive laptop" or "used ipod touch." An ipod touch isn't going to be great for writing papers or anything. What's great for that is a regular, $300 laptop. If you want something that bings when you have an appointment, use your phone or a wristwatch or something. I'm not saying the ipod touch wouldn't work - maybe it would for you? But ... Do you not see the giant pendulum swing here?
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Sep 6, 2013 12:52
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Eris posted:I'm not saying the ipod touch wouldn't work - maybe it would for you? But ... Do you not see the giant pendulum swing here? Well, sure. I still don't have a laptop and the MBA would be ideal, but a good PDA is really what I need so far. I'm taking 15 courses this year and I think only one or two of them have any sort of essay requirement. It's kind of a huge change for me coming from my first degree where I was writing 70 pages a week. My phone would be great, but the calendar doesn't sync and the note-taking is pretty worthless. I'll try IFTTT (with evernote and google calendar) as a stopgap for now, I guess. For reference, I have this phone: 
tuyop fucked around with this message at 13:29 on Sep 6, 2013 |
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Sep 6, 2013 13:15
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I just mean the phone to set reminders or to beep, not to do any sort of note taking. I mean, even if you got an MBA, how would you solve the beeping/calendar sync problem? I fear you are going to spend $250 on a PDA, then inevitably ... somewhere between $300 and $1000 on a laptop. Why not just ... skip to the laptop?
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Sep 6, 2013 13:35
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Eris posted:I just mean the phone to set reminders or to beep, not to do any sort of note taking. Ultimately it would be great to have a smartphone and a laptop, but I want to go a year without a smartphone just because, and we haven't figured out when to buy a laptop yet. This is just an easy, $150 solution (I don't think I need the latest ipod touch for what I want) that could be resold for >$100 when I don't need it anymore. It'll probably also be the only non-book thing I need to carry around this fall, since I don't have the kind of writing workload that means I need to be writing poo poo constantly like I did before. It'll be pretty easy to get to a computer lab or home to get more serious work done.
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Sep 6, 2013 13:56
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'I want to go a year without a smartphone just because' But you want to buy an iPod Touch. And a Macbook Air. Me in Reverse posted:You are the same guy who is martyring himself out of a microwave, but you *WANT* a fancy chef's knife, so you'll spend more on that than the microwave you won't buy.
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Sep 6, 2013 14:06
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Me in Reverse posted:'I want to go a year without a smartphone just because' So should I go buy a smartphone with the accompanying ~$65/month bill to avoid martyring myself somehow? I'm just trying stuff out, it seems like I won't really need a laptop this semester. I'm trying to figure out the effort versus expense of staying organized using the silly student union agenda versus a modern mobile device thing. This is the first time I haven't had a smartphone since 2005, so I don't really have the... analog skills (?) and I'm not convinced that they're worth learning. Also, it turns out we haven't really needed a microwave. I miss having a slowcooker much more at this point (it's in storage). We still use the chef's knife several times a day, though.
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Sep 6, 2013 14:32
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You can buy a Google Nexus 4 for $249, no contract. Shop around for a good monthly service plan, no contract, and use WiFi as much as you like to reduce the cost of the service. That'd be a rational approach to solving your 'handheld device' issue. But that's basically an aside to the point I was making -- you have very irrational thought processes in regards to wants/needs. You do things like "I don't want a smartphone just because" while simultaneously wanting an iPod Touch, which is essentially a smartphone. You obviously have a ~computer~, have you really addressed if you actually need a ~laptop~? What's your degree going to be in, again, education? Do you actually need to have a computer in front of your face during class? Hundreds of thousands of people go to class ever day with a pen and paper, if that's all you require then you'd be wasting money on any laptop. But if you do need a laptop, or hell, just want one (I own a laptop that I just want, because it's a nice thing to have), buy a reasonably priced laptop that serves the purpose of what you want to do with it. You can buy an average mid-level laptop that'll handle web browsing, MSWord, even Netflix, for a few hundred dollars. A Macbook Air is where you fall into the trap of ~needing~ the coolest, most extravagant thing in the market. You don't need an MBA. Random aside: I don't remember if it was you or someone else who brought up your back injury in relation to buying the lightweight MBA. Jesus loving christ, though, that's ridiculous. An MBA versus another laptop is a two-three pound difference, not a sack of bricks. Check out Lenovo, check out Dell. They sell reasonably priced, reasonably attractive, completely suitable laptops. You don't need an MBA and you don't have to force yourself into buying a 10 year old ugly Thinkpad. You're allowed to want something nice, within reason. Final Random Aside: When I was in school all the kids with the Mac laptops constantly had issues with Word documents and Powerpoints, and it was loving annoying. Edit: Foodchat: Go get your loving crockpot! They're great and might even save a few bucks off the grocery bill if you use it enough. What kind of knife did you end up buying? I agree that a chef's knife is basically mandatory for anyone who cooks, but my original problem was you wanted a Henckels or a blacksmith-forged hanzo steel 
lament.cfg fucked around with this message at 14:54 on Sep 6, 2013 |
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Sep 6, 2013 14:50
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tuyop posted:I'm just trying stuff out, it seems like I won't really need a laptop this semester. Oh Christ, good thing you didn't buy one when you first had the impulse, eh? Seriously, though, you can get the Nexus 4 and a light, portable, Netbook (that will let you write your term papers, assignments, etc) for significantly less that just the cost of a MBA (which you'd still have to carry around external storage for). http://www.factorydirect.ca/Categories/8/Computers___Laptops/Netbooks
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Sep 6, 2013 15:07
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tuyop posted:I'm just trying stuff out, it seems like I won't really need a laptop this semester. This semester maybe but what about longer term? Semesters aren't very long so if you're going to need one next semester - this isn't a super great plan. Personally I think an IPod Touch would suck for taking notes. You'd be much better off just using a pen and paper and I think you'll be complaining about the difficulty in no time at all. As for reminders - you don't need a $150 thing to beep at you. But a notebook with an attached datebook/agenda and write in it and check it. It'll cost like $5 and be better for note taking.
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Sep 6, 2013 17:28
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The not having a smartphone thing is not just because, I just said that because the reasons are a little off topic. Basically, I'm trying to go without because I was a bit compulsive about the whole thing and it was really expensive anyway. I'm not entirely convinced that we've saved money due to the lack of information about cheaper alternatives, public transit, getting lost and poo poo, but the whole other side of being disconnected or whatever has been valuable.HooKars posted:Buy a notebook with an attached datebook/agenda and write in it and check it. It'll cost like $5 and be better for note taking. Yeah, see, I find that I'm terrible at this and I have literally seven courses this semester, eight next semester. Stuff is already falling through the cracks of my terrible paper-based organizational workflow. If it keeps me from messing up a date or location or even just reduces the amount of stress related to organizing this poo poo, then I think the $150 is worth it. I take my class notes, which are like poo poo that the professor adds to their presentations verbally, on a steno pad. I prefer this to a laptop because I feel more engaged. Some things are way better to have available for search though, and this week I've just been adding them manually to Evernote when I review and check for homework. I don't plan to be thumbing an ipod touch furiously all day trying to keep up with lectures or anything. I just want to enter poo poo into my calendar and then get it out of my head, knowing that I'll be reminded in a couple of ways whenever something important is about to happen. In the long term, or if I find that an ipod touch is no good for what I want to use it for, well, I know exactly how much they're worth used (exactly what I paid)! As for spending more and getting a Nexus 4 and some lovely netbook, I think that would be a great alternative if I needed a ~computer~ and a cell phone, but I already have those things and I'm considering supplementing with something that costs less. And I can't have my crockpot yet! I have to move to a new apartment to have my stuff shipped from storage in Halifax. I have until July 2015 to do this but obviously I'd like it to happen soon. As for the chef's knife. We have two actually (the excess!), a $6 refurbished 10" Lamson Sharp knife (looks like a professional version of their $150 knife, I got it for my birthday), and a smaller 7" Henckels Santoku knife that was like on sale for $45. It's only got one dude, so I think it's their lowest grade.
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Sep 6, 2013 19:57
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You can combine the cell phone and iPod touch into a Nexus 4 or something similar. That's what my suggestion was. It's not the 100% bare-bones most inexpensive solution, but it's a reasonable compromise that gets you a realistic solution to your problems. You're a grown-up with a good income, you can afford things like this if you make good decisions. And nobody is saying "lovely netbook". You can have a 13-15" Dell or Lenovo or something that looks good and is an i3 with 4+GB of RAM for a few hundred dollars. You'll never need more than that unless you're looking to buy a gaming machine, which a Macbook Air isn't anyway. Check it out: Dell Inspiron, 14", i3, 4GB RAM, and it even has an SSD. $550. That's less than half of what you'll spend on an MBA. You are still stuck acting like it's everything or nothing instead of finding responsible reasonable solutions to your problems. Nice buy on the Lamson Sharp knife! A German Santoku is sacrilege, though
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Sep 6, 2013 20:15
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tuyop posted:And I can't have my crockpot yet! I have to move to a new apartment to have my stuff shipped from storage in Halifax. I have until July 2015 to do this but obviously I'd like it to happen soon. I'm confused, doesn't the Canadian Army keep paying for your moves? Why do you have to wait until 2015 to get your stuff out of storage?
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Sep 6, 2013 20:26
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WampaLord posted:I'm confused, doesn't the Canadian Army keep paying for your moves? Why do you have to wait until 2015 to get your stuff out of storage? Because Tyuop.
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Sep 6, 2013 20:53
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By the time you get that stuff out of storage, Heritage Canada'll pay for it because it'll have historical value.
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Sep 6, 2013 21:04
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WampaLord posted:I'm confused, doesn't the Canadian Army keep paying for your moves? Why do you have to wait until 2015 to get your stuff out of storage? They paid for toeshoes' move. They said they'll pay for mine but there is a ton of confusion about the whole process of it. Basically: My stuff (2215 pounds of furniture and poo poo) is still in storage in Halifax. They will hold it, at crown expense, in storage until July 2015. They will move it to a new place, anywhere in Canada. This includes unpacking. It won't fit in this apartment because we already have some stuff, and we want to move anyway.
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Sep 6, 2013 21:09
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I'm gonna say something kinda anti-BFC here but you should just buy another crockpot for the time being. They're like $30-$40, and you'll save a ton of money by cooking amazing meals that can last for days. Unless you'll be moving in like a month or two. If you don't plan on moving for like 3 months or more, I'd argue it makes sense to buy another. Plus, then you have a backup if you break the ceramic part of it while cleaning it like I did. 
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Sep 6, 2013 21:34
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WampaLord posted:I'm gonna say something kinda anti-BFC here but you should just buy another crockpot for the time being. They're like $30-$40, and you'll save a ton of money by cooking amazing meals that can last for days. We may just buy another one used and then kijiji it. Posts like this come up all the time: http://edmonton.kijiji.ca/c-buy-and-sell-home-indoor-kitchen-dining-wares-all-kinds-of-kitchen-appliances-W0QQAdIdZ519912089 Actually, I think I'll buy the $5 roaster from that guy because that's one thing we're totally missing.
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Sep 6, 2013 21:51
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tyuop, I just want to say congrats on the progress on your debt. You've come a long way since your OP. Now back to BFC-mode. $5 for a roaster? Hope you have insurance for when you burn your entire apartment building down.
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Sep 6, 2013 23:13
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I thought the same thing. He means a roasting pan, though. I doubt tuyop can burn down the house with a pan --- gently caress, now I've jinxed it.
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Sep 6, 2013 23:16
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Buy a paper calendar and look at it every morning and save yourself $$$. Also, stop actively looking for things to buy.
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Sep 6, 2013 23:25
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I used to own a iPod Touch and a flip phone. The iPod Touch was great for music, fussy for emails or any kind of writing longer than a sentence or two, and fine for web browsing on the go - but of course you have to have wifi access. With a smartphone (an iPhone 4S), I found I no longer had a use for the iPod since it duplicated and improved on everything the iPod did. I'm not sure why you would get one as a stopgap since it sounds like other products would fit your needs better.
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Sep 6, 2013 23:29
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Edit: And yes, a roasting pan. Is there another thing for roasting large cuts of meat and birds that plugs in?Never you mind posted:I used to own a iPod Touch and a flip phone. The iPod Touch was great for music, fussy for emails or any kind of writing longer than a sentence or two, and fine for web browsing on the go - but of course you have to have wifi access. With a smartphone (an iPhone 4S), I found I no longer had a use for the iPod since it duplicated and improved on everything the iPod did. I'm not sure why you would get one as a stopgap since it sounds like other products would fit your needs better. I basically want what you had. Are you saying I should just go buy an iphone?
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Sep 6, 2013 23:40
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tuyop posted:Edit: And yes, a roasting pan. Is there another thing for roasting large cuts of meat and birds that plugs in? Yes, a 'roaster' generally means an electric roasting pan. Also, didn't you *have* an iPhone you sold to save $10 a month or something?
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Sep 6, 2013 23:47
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tuyop posted:Edit: And yes, a roasting pan. Is there another thing for roasting large cuts of meat and birds that plugs in? This is what I was thinking of.
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Sep 6, 2013 23:52
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flynt posted:This is what I was thinking of. Well that's just loving awesome.
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Sep 7, 2013 00:01
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