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SAVE IS NOT EDIT I CONFUSED MY THREADS. Sorry for that it's late don't hate too much. Could be faster but I've had some hardships along the way but I'm still happy with my progress. Still trying to close this out by the end of the year that's my goal. I got stuck with some medical bills I didn't see coming so yay progress either way. Veskit fucked around with this message at 07:13 on Jun 20, 2014 |
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Jun 20, 2014 06:59
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| # ? May 22, 2024 11:34 |
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He's judging my hair budget. Gotta stand up for myself.  Dang, I thought my budget wasn't that bad. Obviously I could live more frugally, but I've cut back a lot! (Think tuyop - I took two multi-week vacations to Europe two summers in a row…)
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Jun 20, 2014 07:01
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Veskit posted:Was there even a question? I just saw a list of things you want to do and then you asked if there's a way to figure out WSG? Yeah you can figure that out pretty easily? Are we done here now? I thought this was the discussion thread. Was just discussing my finances...
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Jun 20, 2014 07:02
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spinst posted:I thought this was the discussion thread. Was just discussing my finances... I fixed what I wrote. Apologies all around. Though you can afford to be more frugal. I thought I edited that but eh.
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Jun 20, 2014 07:08
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I think your budget is sufficiently responsible. You have a decent chunk of money going into an emergency fund, and a bit going into retirement (I'm guessing since you're a teacher you get a pension?), and you're overpaying on the car to get it done faster.
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Jun 20, 2014 07:21
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So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Everyone pick a BFC superstar and give me "advice" as if you were them.
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Jun 20, 2014 07:31
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Cicero posted:I think your budget is sufficiently responsible. You have a decent chunk of money going into an emergency fund, and a bit going into retirement (I'm guessing since you're a teacher you get a pension?), and you're overpaying on the car to get it done faster. Yeah, pension. As of now, anyway! Legislature tried to vote it out and convert everyone under a certain age to a 401(k) last year, luckily they did not. I've got 4 more years until I'm fully vested. Pension + my 401(a) (10% pre-tax) + puny Roth IRA. I'll have 40 years into the pension if I retire at 62. Good lord. My salary would be around 12% more than what it is if our legislature hadn't voted to suspend our cost-of-living allowances 6 years ago. Jerks.  I've been teaching 6 years, so I've never gotten one.  I think we get COLA again starting in the 2015-2016 school year. 100 HOGS AGREE: No time to think. Just ball out. Buy some sweet sweater vests and head to the opera! Take drugs.
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Jun 20, 2014 07:38
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Hire an artist to put a scorpion mural on your wall.
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Jun 20, 2014 12:20
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. You should go ahead and spend that money now since it's definitely coming in later and won't be needed for other expenses 
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Jun 20, 2014 13:26
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Have you seen the all new 2015 Mini Cooper?
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Jun 20, 2014 13:33
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spinst posted:Yeah, pension. As of now, anyway! Legislature tried to vote it out and convert everyone under a certain age to a 401(k) last year, luckily they did not. I've got 4 more years until I'm fully vested. Pension + my 401(a) (10% pre-tax) + puny Roth IRA. I'll have 40 years into the pension if I retire at 62. Good lord. I assume you have the summer's off, ideally what you'd do if you want something shiny (a new apartment, cat) is work for it. Part time job over the summer or teaching summer school or something? It's probably too late now for summer school but you could probably find a part-time gig somewhere for a few months to help offset some of the costs if you really really want it. I think your budget looks pretty good as is, I don't think there is much to carve out of that so you're stuck with earning more money. Just a reminder that cats/pets can be quite expensive.
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Jun 20, 2014 13:40
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100 HOGS AGREE posted:Everyone pick a BFC superstar and give me "advice" as if you were them. Get personalized chocolate pool tables for EVERYONE YOU KNOW.
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Jun 20, 2014 15:05
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Move your presents budget to a monthly expense.
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Jun 20, 2014 15:06
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100 HOGS AGREE posted:Everyone pick a BFC superstar and give me "advice" as if you were them. Personally, I try to spend at least $600/mo on drinking. It keeps me from thinking about making $45k/year as a public servant and having $80k in student loans.
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Jun 20, 2014 15:14
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100 HOGS AGREE posted:Everyone pick a BFC superstar and give me "advice" as if you were them. Ok fine: http://www.pacificyurts.com/products/default.aspx
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Jun 20, 2014 15:49
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100 HOGS AGREE posted:Everyone pick a BFC superstar and give me "advice" as if you were them.
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Jun 20, 2014 15:50
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100 HOGS AGREE posted:Everyone pick a BFC superstar and give me "advice" as if you were them.
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Jun 20, 2014 16:30
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revengeanceful posted:Have you considered season tickets to the local college football team? Clearly it is a reasonable expense to escape from the drudgery of day-to-day life. Should go for opera tickets plus drugs to allow you to enjoy opera.
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Jun 20, 2014 16:56
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I might consider a yurt but I'd build an actual bathroom in it, I'm not making GBS threads in a bucket. Some of my interests actually align with tuyop's. hosed up but true.
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Jun 20, 2014 16:58
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100 HOGS AGREE posted:I might consider a yurt but I'd build an actual bathroom in it, I'm not making GBS threads in a bucket. A 4k yurt is only going to be like 100sq feet, so it might work as a shed or absurd car port. The total cost is probably more like 5k, though, in which case you could just get a prefab 10x10 shed for <2k. And the beauty of the composting toilet is that you don't have to spend like 30k on some other solution, just $60 worth of... Materials. And you save on compost forever.
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Jun 20, 2014 17:15
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tuyop posted:A 4k yurt is only going to be like 100sq feet, so it might work as a shed or absurd car port. The total cost is probably more like 5k, though, in which case you could just get a prefab 10x10 shed for <2k.
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Jun 20, 2014 17:17
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I hope YNAB goes on sale this Steam Sale. Mint has been broken for the last month and I'm pretty tired of its poo poo.
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Jun 20, 2014 17:42
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For what it's worth, it's already 25% off. I'd bet that they're going to knock it down a little more for at least one day, though.
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Jun 20, 2014 17:46
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It's funny, the program ended up costing very little for us because I did a phone survey with them. Jessie Mecham hisself called me at work and then they sent me some t-shirts and a $50 amazon card. And a bunch of codes for free t-shirts I gave to goons from my thread.  It's so good that I really wouldn't mind paying for it again. Wish they had an iPad app that let you switch up budget categories, though. Or a webapp. IFTTT integration would be awesome.
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Jun 20, 2014 18:04
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Buy a Mini Cooper, how is this even a question.
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Jun 20, 2014 19:06
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How many bitcoins can 4k buy?
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Jun 20, 2014 19:08
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Nail Rat posted:How many bitcoins can 4k buy? Right now?
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Jun 20, 2014 19:15
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FrozenVent posted:Right now? What about now?
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Jun 20, 2014 19:17
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Jun 20, 2014 19:20
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tuyop posted:Wish they had an iPad app that let you switch up budget categories, though. Or a webapp. IFTTT integration would be awesome. And I wish my sister would use the copy I bought her. She's going to need to use it once she graduates next spring and moves to DC as an intern. lolol.
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Jun 20, 2014 19:30
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They are working on both a web version and an ipad version. They seem to be on Valve time in that dev cycle though.
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Jun 20, 2014 19:40
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dreesemonkey posted:I assume you have the summer's off, ideally what you'd do if you want something shiny (a new apartment, cat) is work for it. Part time job over the summer or teaching summer school or something? It's probably too late now for summer school but you could probably find a part-time gig somewhere for a few months to help offset some of the costs if you really really want it. I feel ya. That's not a bad idea, honestly. I will be subbing for a week of summer school for my friend, so that will bring in a little extra money. Though with the way our pay schedule works I won't see it until the end of August. It's hard to find a part-time job (not that I've looked!) that works with the summer schedule, because although I don't technically "work," I have lots of trainings (some paid, some not), meetings, plus work to do around the classroom. Plus it's nice to go and see my family and whatnot. I'm hoping a few more summer trainings will pop up, since I only have one (with maybe one more coming) scheduled right now in addition to the week of summer school. That'll net me ~$500 which will at least offset the pet deposit.
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Jun 20, 2014 20:12
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Start a college fund for your niece. but seriously, personalized chocolate pool tables made me 
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Jun 20, 2014 21:27
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Mint has its issues but the last thing I want to do is spend an hour of my time recording transactions in excel or YNAB. With Mint I can just log in, check our spending, think about our spending, change a few categories and then head out.
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Jun 20, 2014 21:38
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100 HOGS AGREE posted:Everyone pick a BFC superstar and give me "advice" as if you were them. Go buy a LOADED Nissan and don't even read the purchase agreement. You deserve it.
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Jun 20, 2014 21:42
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antiga posted:Go Dude, seriously. Rookie mistake.
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Jun 20, 2014 21:43
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Sephiroth_IRA posted:Mint has its issues but the last thing I want to do is spend an hour of my time recording transactions in excel or YNAB. With Mint I can just log in, check our spending, think about our spending, change a few categories and then head out. I find doing it by hand really keeps you honest though. It hits home when you spent something you probably shouldn't have...
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Jun 20, 2014 21:59
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Yeah I'm totally onboard with the manual entering of transactions. It's quick enough to just grab stuff off of mint and add it in if you forget something. But we only make like 40 transactions a month and record most on the spot.
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Jun 20, 2014 22:58
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100 HOGS AGREE posted:So BFC I'm gonna have like... I dunno, 4 grand more in net income over the next year compared to my last year. Which is significant for me. Spend all 4000$ on wonder hangers which is around 3216 wonder hangers. If you run out of closet space buy a bigger house.
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Jun 20, 2014 23:48
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Buy the house of your dreams and have another kid.
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Jun 21, 2014 04:16
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