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You guys are way overthinking this; gaming the parking pass would only result in office drama that just isn't worth it, and the co-worker who gets it will actually make use of it. Heck I think the plan was that we'd share it, month on month off or something, which... Yeah.
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May 14, 2014 23:58
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FrozenVent posted:You guys are way overthinking this; gaming the parking pass would only result in office drama that just isn't worth it, and the co-worker who gets it will actually make use of it. Heck I think the plan was that we'd share it, month on month off or something, which... Yeah. Nah man, this is your path to Financial Independence. Take the space. Buy a yurt. Put the yurt on the parking spot, it can be on a trailer so that it's technically a vehicle and you can defend your decision. Rent the yurt out to hippies and poo poo for like $1200 a month. You can do this with a greenhouse as well if you want to grow some BELL PEPPERS in there or something. I won't judge.
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May 15, 2014 00:09
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It's an indoor spot, but I have a window in the office, maybe I can grow BASIL on the filing cabinet. Turn this job into a money making opportunity.
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May 15, 2014 00:10
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Indoor parking spot sounds perfect for mushrooms.
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May 15, 2014 00:12
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FrozenVent posted:It's an indoor spot, but I have a window in the office, maybe I can grow BASIL on the filing cabinet. Turn this job into a money making opportunity. I unilaterally took over the unit conference room, which was sometimes used to host the Minister of National Defence in really important conferences, with BEAN PLANTS and CARROTS when the commandant was away one day. It was glorious, one wall was all south-facing windows. Nobody noticed for three days and then, ironically, the unit environmental safety officer threw everything in the garbage without a word.
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May 15, 2014 00:16
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FrozenVent posted:You guys are way overthinking this; gaming the parking pass would only result in office drama that just isn't worth it, and the co-worker who gets it will actually make use of it. Heck I think the plan was that we'd share it, month on month off or something, which... Yeah. Ya, that sounds right. Welp, I hope you have a library card. Because you have plenty of time to read and books get expensive. (I also vote yurt, if that's still an option.) You're about the perfect bike commute distance, except for that whole Canadian Winter thing. I ate sardines for lunch in the form of fisherman's eggs. Not bad, and lots of protein for a roughly $2 meal.
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May 15, 2014 01:28
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Folly posted:Ya, that sounds right. Welp, I hope you have a library card. Because you have plenty of time to read and books get expensive. (I also vote yurt, if that's still an option.) You're about the perfect bike commute distance, except for that whole Canadian Winter thing. When you eat a sardine are you just consuming the entire creature whole? Because I could get on board with this.
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May 15, 2014 01:38
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The training was actually catered today 
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May 15, 2014 04:10
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tuyop posted:When you eat a sardine are you just consuming the entire creature whole? Because I could get on board with this. I bought them as fillets. But it's about half the price if you buy them as whole sardines.  There's a whole drat sardine thread in GBS. But I only tabbed through a few pages.
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May 15, 2014 11:48
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Inverse Icarus posted:The training was actually catered today Damned unions. Is it possible to overdraft a prepaid card? Are there prepaid debit cards or only credit cards? Too bad Aldi doesn't do gift cards (they're usually free right)? I like the "cash envelope" budgeting idea but I hate the idea of carrying cash around. I'd much rather just put my monthly grocery budget on a gift card that forces me to shop at the cheapest/best grocery store in town. Sephiroth_IRA fucked around with this message at 14:19 on May 15, 2014 |
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May 15, 2014 14:07
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Sephiroth_IRA posted:Damned unions. Aren't all debit cards "prepaid" in theory, since they're connected to your checking account and you're withdrawing your funds? There are prepaid credit cards if you don't have credit or bad credit, and need to build credit. Your limit is however much money you have on the card.
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May 15, 2014 14:13
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Yeah, once again I'm "scheming". I mean say a Walmart gift card is free and you do 99% of your grocery shopping there why not just use that as your budget instead of carrying around cash. I know you can't overdraft a gift card and there's no need to carry around cash. I suppose it would suck to lose said gift card though unless there was some way you could give it a pin. I also wish there were cards that basically just flat out denied you instead of allowing overdraft. Sephiroth_IRA fucked around with this message at 14:38 on May 15, 2014 |
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May 15, 2014 14:21
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Sephiroth_IRA posted:Yeah, once again I'm "scheming". I mean say a Walmart gift card is free and you do 99% of your grocery shopping there why not just use that as your budget instead of carrying around cash. I know you can't overdraft a gift card and there's no need to carry around cash. The easiest is probably just to set up a new chequing account, connect it to your debit card's chequing button, make sure it will reject anything that goes over its balance by calling your bank, and transfer your budgeted funds there. That pretty much creates exactly the card you're looking for, with all the protections that you're familiar with and none of the problems with gift cards.
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May 15, 2014 14:38
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I'd not do that for 2 main reasons. First, cash spends everywhere but gift cards can only be spent one place. Until it's spent, your money is less valuable as a gift card. Second, a gift card is a debt from the company to you. If the company goes bankrupt, it becomes worthless. (Admittedly, this is a stupidly weak reason.) I like Kroger's gift card scheme where they give like 5% of whatever you load on to a gift card to a charity or community project. It's probably just enough of an extra benefit to balance out the limitations above. But I still don't do it because my wife and I both do the grocery shopping, depending on who has time that week. And we'd have to plan more if we only had 1 payment method that we had to physically hand back and forth.
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May 15, 2014 14:39
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There's only been one time in my life where I regretted not carrying cash and that was at Medieval Times. Jesus there should be some way for me to tip my serving wench besides cash. Next time I travel I'm going to carry some cash with me. Medieval times pissed me off anyway (not the wenches fault) but because they served the same adult sized meal to children it all went to waste. That's the main reason I'm going back.tuyop posted:The easiest is probably just to set up a new chequing account, connect it to your debit card's chequing button, make sure it will reject anything that goes over its balance by calling your bank, and transfer your budgeted funds there. I'll check and see if my bank(s) allow this. I would much rather be rejected and embarrassed into taking some groceries back to the shelf than pay overdraft because I went over my grocery budget by a penny. Then I would be forced into finishing what I have in the fridge. Sephiroth_IRA fucked around with this message at 14:44 on May 15, 2014 |
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May 15, 2014 14:40
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You could also just buy dozens of those prepaid credit cards in denominations of 25 and 50 or whatever, and sharpie "groceries" and "haircuts" onto them. They won't work if you need them for places like farmers markets that take only cash, though. But they aren't tied to any user if you just buy the ones at the store so they can't overdraft.
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May 15, 2014 14:44
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There are no fees for those? Like startup fees?
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May 15, 2014 14:45
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Sephiroth_IRA posted:There are no fees for those? Like startup fees? They're like any other gift card, you just grab a stack at the birthday card aisle and go through the checkout with them. This kind of mitigates the risk of cash, because it's unlikely that you'll lose eight $25 gift cards on the way to the grocery store for your monthly stockup. It's also unlikely that you'll lose cash so I don't really know.
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May 15, 2014 14:57
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^edit: Oh I thought those had startup fees and stuff. I'll look into that. Yeah but cash in my wallet/at my house/in my wife's purse is just something I don't want on a regular basis. Not to mention cash comes with loose change. I hate loose change. Sephiroth_IRA fucked around with this message at 15:23 on May 15, 2014 |
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May 15, 2014 15:16
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gently caress loose change, drat do I hate that poo poo. The business model for gift card is that they ensure whatever money's on the card is going to get spent at that store. Plus they get the money in advance, which is pretty nice.
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May 15, 2014 15:45
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FrozenVent posted:gently caress loose change, drat do I hate that poo poo. Not to mention some people get weird about spending gift cards with .50 cents to a couple bucks on them so they get that as well. Then there are the lovely giftcards "wow a $25 bucks at best buy! Thanks! :\" that people forget to spend all together. FrozenVent posted:gently caress loose change, drat do I hate that poo poo. My dad had this giant fake beer can (more like a 1 gallon mini-keg) he tossed all his loose change into every day after work. It was about 75% full when he walked into the house one afternoon and noticed it was gone. It could have been my brother or one of his workers who sometimes (rarely) has access to the house. The only loose change I keep is my Aldi quarter. quote:The business model for gift card is that they ensure whatever money's on the card is going to get spent at that store. Plus they get the money in advance, which is pretty nice. 9/10 it's great for them but an Aldi gift card would be the poo poo. Sephiroth_IRA fucked around with this message at 16:45 on May 15, 2014 |
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May 15, 2014 16:30
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Cash equivalent gift cards marketed by Visa or Amex generally have fees (these are the disposable ones you can buy anywhere). There are other prepaid options such as Bluebird that are basically a self sustained debit and checking account.
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May 15, 2014 17:41
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Apparently bluebird won't work with Aldi. Oh well. edit: my wife said she could easily do what I want with the bank, we would just have to create another checking account and transfer whatever we want our grocery budget to be. Sephiroth_IRA fucked around with this message at 00:03 on May 16, 2014 |
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May 15, 2014 23:38
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It is way easier just to track what you spend. You guys are going crazy. Next thing you know you will have 5 prepaid cards and six checking accounts.
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May 16, 2014 03:34
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spwrozek posted:It is way easier just to track what you spend. You guys are going crazy. Next thing you know you will have 5 prepaid cards and six checking accounts. It's the BFC way. You gonna eat all that?
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May 16, 2014 03:35
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It will just be one extra checking account and no prepaid cards. The only problem I consistently have with my budget is groceries (restaurants has gotten way better since I started this thread) and yeah I know I tend to go a little too far sometimes but it works for me. When it comes to grocery spending I'm Zaurg. I figure with a debit card just for groceries I'll be more inclined to shop at Aldi and avoid more expensive grocery stores.
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May 16, 2014 04:20
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Do you have a toddler? Have them crap their diaper big-time right when you start shopping. It really speeds up the process and you only have time to pick up the most important items.
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May 16, 2014 04:29
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My roommate spends $800 a month on groceries for just himself. Because he's obese. So I hope that helps you feel better.
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May 16, 2014 04:45
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I kind of need to know what he could possibly be spending $800 on. Does the dude eat steak for every meal or something?
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May 16, 2014 11:04
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Not a Children posted:I kind of need to know what he could possibly be spending $800 on. Does the dude eat steak for every meal or something? Pretty much exactly that, yes. But since he's so fat he doesn't just eat 8 ounces, or even 16, but usually 32 oz of steak in a sitting. It's also the sheer quantity of processed garbage as well. That's all expensive stuff. Oh AND he makes $11 an hour.
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May 16, 2014 12:13
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tuyop posted:Pretty much exactly that, yes. But since he's so fat he doesn't just eat 8 ounces, or even 16, but usually 32 oz of steak in a sitting.  That's over two thirds of his net pay. On food.
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May 16, 2014 12:34
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Cripes, and here I feel guilty about spending $3/lb on ground beef sometimes. Eating out for lunch today, kicking off my vacation by treating myself to some extravagance.
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May 16, 2014 12:38
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100 HOGS AGREE posted:
Yeah I worked it out for him the same way I did my car and debt to feel like I was a prisoner. Like, the first 70 hours you work are all consumed by food. You must work seventy hours in order to eat, it's not optional at this point! It didn't seem to click like at all and he was just like, yeah I know that. But I get hunger pains. 
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May 16, 2014 12:44
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I am also eating out today. I blame the wife tempting me with the promise of delicious buffalo chicken cheesesteak.
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May 16, 2014 13:05
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So a season pass to Noah's Ark (http://en.wikipedia.org/wiki/Noah%27s_Ark_Water_Park) is only $40 right now. Daily admission is usually $32. I'm seriously considering getting a season pass. The park is about an hours drive away, but aside from the cost of fuel, I could be set for the whole summer as far as entertainment goes. I'm just worried I'll pull the trigger, but no one will ever feel like going. I'm going to try to convince some coworkers to buy a pass too. Plus water parks kick rear end.
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May 16, 2014 13:14
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I'm totally eating out today. Maybe twice. It's production go-live on my project. I'll be working until 9am tomorrow. Last time I brought my dinner and the cleaning crew threw it out because they clean the fridge out at 6pm on Friday. So gently caress it, I've got other things to worry about.
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May 16, 2014 13:15
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My wife said she was going to a sandwich store on the way home last night because someone gave her two of their punch cards that entitled her to two free sandwiches. When I check Mint it turns out she spent $3.95 because she had to get the special sandwich. ugh.
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May 16, 2014 13:27
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Sephiroth_IRA posted:My wife said she was going to a sandwich store on the way home last night because someone gave her two of their punch cards that entitled her to two free sandwiches. When I check Mint it turns out she spent $3.95 because she had to get the special sandwich. ugh. Sever!
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May 16, 2014 13:37
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Sephiroth_IRA posted:My wife said she was going to a sandwich store on the way home last night because someone gave her two of their punch cards that entitled her to two free sandwiches. When I check Mint it turns out she spent $3.95 because she had to get the special sandwich. ugh. Sever.
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May 16, 2014 13:37
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Has anyone successfully got married and kept their finances completely separate? Like, no joint-checking accounts and no snooping?
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May 16, 2014 13:41
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