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Don't worry, guys. The Costco run will mean he'll be slightly under his absolutely arbitrary budget this month, so he'll feel good about progress. It's almost as if disappearing out of guilt causes one to become unaccountable and therefore more likely to keep spiralling. Who could possibly have predicted this? Absolutely nobody, because he's a special snowflake. Criminey. I almost hope this is some epic multi-year Kaufman-esque performance art piece. SloMo is actually a CPA based out of Lincoln, Nebraska.
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Dec 5, 2014 21:55
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After seeing that hobby slomo has to be a troll right?
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Dec 5, 2014 22:00
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poopzilla posted:The new hobby is actually loving. Prostitutes are pricey in NYC.
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Dec 5, 2014 22:01
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Move into a shack, buy a crock pot, and spend your free time watching netflix and you'll be debt free in like 2 months.
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Dec 5, 2014 22:02
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spwrozek posted:He has made progress and feels OK about it. Had an outside chance to be done this year. Also he had provided good entertainment to the thread. Well don't you look like an rear end in a top hat now.
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Dec 5, 2014 22:04
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He's at about 0.9 Zaurgs right now: December could see a new champ in the arena! Go man, go!
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Dec 5, 2014 22:04
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Oberleutnant posted:SloMo you're poo poo.
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Dec 5, 2014 22:04
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Veskit posted:Well don't you look like an rear end in a top hat now. Don't forget this one. Not a Children posted:This thread is getting to be just one-note antagonism and it's really not conducive to producing results or comedy
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Dec 5, 2014 22:06
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Cicero posted:He lives in Seattle, not NYC. whoops, why the gently caress did i think that. Admittedly, whores are cheaper in the PNW but my post still stands.
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Dec 5, 2014 22:06
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I got a new hobby, surprise it's more opera druuuugs
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Dec 5, 2014 22:08
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If I had to guess about the hobby its either snowboarding or mountain climbing. If he doesn't tell us its probably prostitutes.
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Dec 5, 2014 22:17
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Maybe he bought a tanning bed to have Unlimited Tanning at home too.
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Dec 5, 2014 22:19
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Cicero posted:I'm curious as to what "Misc EOY doc visits" means. Is that the therapist? pretty sure that means end of year for insurance reason or w/e
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Dec 5, 2014 22:21
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Grizlor posted:Move into a shack, buy a crock pot, and spend your free time watching netflix and you'll be debt free in like 2 months. This is the best advice you could take right now.
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Dec 5, 2014 22:23
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lmao
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Dec 5, 2014 22:23
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Yeah I guess the only way you can have an end of year visit be different from a normal one is if you're burning the last of some insurance money on the table that's gone soon and was something you kind of need done anyway. Like getting a mole removed or something.
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Dec 5, 2014 22:23
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The hobby is dealing drugs. How else would he put $1500 in "sales" when he made no mention of selling anything. Edit: serious post. He's admitted doing it before.
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Dec 5, 2014 22:24
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paperchaseguy posted:number of months before slo-mo went back into credit card debt: 1
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Dec 5, 2014 22:39
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Thread delivers.
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Dec 5, 2014 22:42
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Alright I'm going to treat this like it's a normal thread  You spent more than you earned this month. That's the only rule you need to follow to not poo poo up your finances. The thing that sent it over? Your "new hobby". If you applied the other basic financial rule of save up for things so you can buy them your finances wouldn't be in the shitter. Fact is you can't afford a new hobby.
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Dec 5, 2014 22:52
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 Four hundred and one...
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Dec 5, 2014 23:06
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SolMo you could be putting away upwards of $10K a year with no measurable impact on your quality of life and you still manage to be in debt somehow you retarded oval office
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Dec 5, 2014 23:29
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Veskit posted:Well don't you look like an rear end in a top hat now. Yes I do. I really try to pull for the guy but he really knows how to betray my faith.
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Dec 5, 2014 23:34
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spwrozek posted:Yes I do.
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Dec 5, 2014 23:43
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Breetai posted:He's at about 0.9 Zaurgs right now: December could see a new champ in the arena! You might be misremembering that thread. Slomo is substantially better off than Zaurg was. Zaurg was being bled dry by his wife, both financially and emotionally and things kept getting worse. He owned a condo that he was under water on, and his wife insisted on a bigger home, while possibly loving the realtor. He also had a kid with this woman. On top of all of this, he was in serious denial about most of it and/or did not seem emotionally equipped to deal with it. Slomo actually divorced his abusive wife, and does not have a kid with her. Believe it or not, he actually has over 10k less debt than he did in the OP. If he improves his habits to a reasonable spending levels, as he has shown he is capable of some months, he could really improve his financial life. Obviously, he has squandered many opportunities to manage debt and increase his net worth, and I can't really understand how basic discipline escapes him. I can't imagine anyone who would take Zaurg's life over Slomo's, financially or personally. A guy that just needs to work more and spend less is not a Zaurg level case at all.
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Dec 5, 2014 23:50
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Let me look into my dipshit crystal ball...expensive photography is your new hobby isn't it?
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Dec 5, 2014 23:51
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District Selectman posted:Let me look into my dipshit crystal ball...expensive photography is your new hobby isn't it? I'm going for astronomy or cycling.
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Dec 5, 2014 23:53
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spwrozek posted:Yes I do. Ignoring 401k's, HSA's, etc. Let's do a comparison Thread Start July 2013. 1.5 years Debt Start: $29,939 Checking: $3,942 1.5 years later. Debt: $13,100 Checking: $3,200 Net Impact: +$16,097 Comparatively let's look at BFC's love child Knyteguy. Thread Start November 2013. ~ 1 year His is somewhat harder to tell because he's updated his OP a few times, but roughly (based on a December 2013 Post): Debt Start: $31,822 Checking: $1,486 1 year later. Debt: $34,288 Checking: $4,643 Net Impact: +$691 This also ignores the debt he has in collections since I'm not sure if the balance changed due to interest. Someone check my math? EDIT: Not defending Slow Motion, but let's at least be fair. He could definitely be even better off if he could just reign in his compulsive spending.
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Dec 5, 2014 23:55
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Oberleutnant posted:astronomy I hope it's this. Bugamol posted:He could definitely be even better off if he could just reign in his compulsive spending.
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Dec 5, 2014 23:57
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Entropic posted:This entire thread in a nutshell, repeated forever. I don't disagree, but he has made significant strides towards wiping out his debt. And yet gets blasted for it every month because of his nonchalant attitude. Knyteguy on the other hand has made no visible impact to his debt and has a child on the way. And yet gets mostly praised for it every month because he comes in bashful and a "I'll try harder next month guys!" attitude.
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Dec 6, 2014 00:01
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Bugamol posted:Comparatively let's look at BFC's love child Knyteguy.
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Dec 6, 2014 00:02
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Bugamol posted:Ignoring 401k's, HSA's, etc. Let's do a comparison This was basically my earlier point. He has at last done something to improve but has faltered at times. But he also is fine with messing up because the needle keeps moving the right direction.
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Dec 6, 2014 00:11
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Bugamol posted:I don't disagree, but he has made significant strides towards wiping out his debt. And yet gets blasted for it every month because of his nonchalant attitude. You keep saying this, and you also say "well ignoring a large percentage of Knyteguy's savings (~$3500 in the past 4 months) and also his Paypal account with hundreds of dollars...". But then you also admit to this just a couple weeks ago: Bugamol posted:Well that explains my confusion. You're doing much better off than I thought. I apologize for wasting your time explaining it to me. That's what I get with not reading every post in the thread when work got hectic. And Rurutia called you out on saying pretty much exactly this same thing. And that's also ignoring not only the fact that Slo Mo has been doing this longer, but also that there's quite an income disparity between us. So uh yea, "bashful" when I've had 5 months of progress. And like Cicero said it's not like anyone takes it easy on me in there anyway. I don't care if you want to call me out, but don't put a bunch of "well ignoring this..." statements in there if you're going to. Edit and I also realize that you're trying to show Slow Motion's progress rather than my down falls as your point here, but it's still not cool to do it that way without presenting all of the data.
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Dec 6, 2014 00:14
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Knyteguy posted:I don't care if you want to call me out, but don't put a bunch of "well ignoring this..." statements in there if you're going to. I can't remember if you or your wife contribute to a 401k was one of the reasons I ignored HSA/401k/etc on both. If you don't and Slow Motion does that actually puts you further behind when compared to Slow Motion since he contributes on a monthly basis. You are doing much better off than I thought you were. However you are not doing better off than Slow Motion. Whereas he gets most of the grief from the forums. You absolutely get your fair share of bashing, however you have a decent crowd of BFC regulars who stand up for you. Slow Motion does not. The "he makes more than me" is a pretty lovely excuse and opens up a ton more "cans of worms". Slow Motion also doesn't have a child on the way. Slow Motion is also single. Etc. Etc. Etc. I was essentially trying to ignore all of that and just do a straight up comparison on progress against debt. EDIT: From a purely objective standpoint Slow Motion gets an unequal amount of hate from the BFC crowd. That's all I was trying to point out. It was not meant to be an attack on anyone personally.
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Dec 6, 2014 00:20
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81sidewinder posted:Slomo actually divorced his abusive wife, and does not have a kid with her.
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Dec 6, 2014 00:22
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i like nice words
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Tell us what the hobby is geez.
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Dec 6, 2014 00:25
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Bugamol posted:I can't remember if you or your wife contribute to a 401k was one of the reasons I ignored HSA/401k/etc on both. If you don't and Slow Motion does that actually puts you further behind when compared to Slow Motion since he contributes on a monthly basis. I know. I added a little edit after my post which may have not been there when you hit post. We contribute like 80% of all of my wife's paychecks to HSA. You're right that Slow Motion isn't in the same financial situation as me, so him being single means he can feasibly do more since he doesn't have to support a pregnant wife and soon a baby, especially since he makes more than me right? I personally think he's doing better than everyone is giving him credit for too. It's his attitude towards it all that everyone gets mad about. Gonna step out here.
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Dec 6, 2014 00:27
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Jeffrey of YOSPOS posted:Tell us what the hobby is geez.
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Dec 6, 2014 00:29
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SloMo is a bad person on the inside, I think is what the difference is.
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Dec 6, 2014 00:33
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moana posted:SloMo is a bad person on the inside, I think is what the difference is. This is probably the right answer. They both have pros and cons. Slow Motion could theoretically lose his job (but also claims to be able to get a new one relatively quickly if this happened, I don't know his job market) Knyteguy has a child on the way + supporting a fleet of animals. Etc.
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Dec 6, 2014 00:38
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