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Why have you already almost blown your food budget for Feb?
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Feb 11, 2015 23:36
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RheaConfused posted:Phew. That's cool of them, a lot of places don't do that. Sorry, it just happened to me (scrambled at the last second while out on disability to get the payment to them) and I don't want it to happen to you. Thank you so much for reminding me. I'm glad not to have to worry about how insurance is going to work
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Feb 12, 2015 00:34
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n8r posted:Why have you already almost blown your food budget for Feb? And his Discretionary holy cow.
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Feb 12, 2015 01:31
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DogsCantBudget posted:How can one be "a month ahead" while still having any debt? Isn't the point of "your debt is an emergency" that one can't get a month ahead without having 0 debt? Veskit posted:Then I am just as confused as the other guy.
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Feb 12, 2015 01:38
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n8r posted:Why have you already almost blown your food budget for Feb? Knyteguy posted:We have a ton of premade frozen meals in the freezer. Lbs of food. We also have plenty of ingredients still (lbs of chicken and frozen veggies), so we should be good on groceries the rest of the month. We also have some frozen pizzas and such to help otherwise.
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Feb 12, 2015 01:51
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Knyteguy posted:That's what I did. That's Feb and March showing there. March is already budgeted for. Old Fart, school him! DogsCantBudget posted:How can one be "a month ahead" while still having any debt? Isn't the point of "your debt is an emergency" that one can't get a month ahead without having 0 debt? Old Fart posted:Well, if he's got a payment plan for debt, then I think it's ok. Budgeting a month ahead is a huge stress reliever, and actually can help you save money. If he spends his buffer on debt and a true emergency comes up, then he's hosed. But he could have done it last month. So do it. Then you're a month ahead now, and the budget stops looking so hosed up. You're the one who explained this to me way back! I think in this thread, in 2013.
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Feb 12, 2015 07:01
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Well I'll be damned. OK so let me cover and my rear end and say it looks like they updated rule 4 and how to do it on July 22nd and gently caress if I ever saw that. Before you would just allocate it into next months funds.  http://www.youneedabudget.com/support/article/rule-four-live-on-last-months-income Alright the buffer makes sense and I'm in. It takes a big man to admit when he's wrong and I'm sure Sigma_X will be more than willing to. Veskit fucked around with this message at 07:46 on Feb 12, 2015 |
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Feb 12, 2015 07:42
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Wow. I haven't been on YNAB's site for well over a year... How their example works makes perfect sense, but not for KG, he already had the cash saved... Couldn't he have simply done it before by emptying he efund in one month, and then allocate income to the month following month? Same thing and less moving stuff around. I don't see the point of doing it this way, but I will readily admit KG is doing it how YNAB wants you to do it, now. After how many years of them telling everyone to do it differently... Bah!
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Feb 12, 2015 07:59
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SiGmA_X posted:Wow. I haven't been on YNAB's site for well over a year... How their example works makes perfect sense, but not for KG, he already had the cash saved... Couldn't he have simply done it before by emptying he efund in one month, and then allocate income to the month following month? Same thing and less moving stuff around. I'm not on my home computer, but it's because YNAB wants you to zero out the month before going into the next month. Lets say you spend on average 2k a month on bills. If you didn't use the buffer method, when you go a month ahead you should show for Feb that you had 2,000 left over on the top then you'd go and budget out March. March would have zero dollars, but at the top of Feb it would show that you didn't allocate 2000 dollars of Feb money. It technically goes against what YNAB is in which you're supposed to give each dollar a job, and having them lay around doing nothing for a month is not having the dollars have a job so I'm on board with the buffer. IT would make it easier to work with too if you wanted to track the differences between buffer money and rainy day money, IE making sure you have enough to cover the day to day for 6 months and if poo poo goes down with your car. For the record, way new method though. Also you couldn't track how much you saved each month toward the buffer if you budgeted out past the next month.
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Feb 12, 2015 15:08
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I have never tried this YNAB thing, but my impression based on people's posts around here is that it takes a simple concept like "Save up a month's worth of expenses" and turns it into this confusing, jargon-laden, absurdist financial art piece. That may be partly on Knyteguy though 
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Feb 12, 2015 16:49
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Why can't it be both? 
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Feb 12, 2015 17:07
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slap me silly posted:I have never tried this YNAB thing, but my impression based on people's posts around here is that it takes a simple concept like "Save up a month's worth of expenses" and turns it into this confusing, jargon-laden, absurdist financial art piece. That may be partly on Knyteguy though
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Feb 12, 2015 17:13
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slap me silly posted:I have never tried this YNAB thing, but my impression based on people's posts around here is that it takes a simple concept like "Save up a month's worth of expenses" and turns it into this confusing, jargon-laden, absurdist financial art piece. That may be partly on Knyteguy though YNAB is the Crossfit of personal finance.
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Feb 12, 2015 17:48
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moana posted:YNAB is stupid but they sent me a free tshirt so o well. Also I am doing the uber-YNAB master method of living on last year's income, all you YNAB suckers should revel in my bufferdom. Ahaha, teach me your ways! (No don't, I struggle to write five sentences in a row never mind entire works)
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Feb 12, 2015 17:50
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Robo Boogie Bot posted:YNAB is the Crossfit of personal finance. Oh my god this is it, thank you. Every time YNAB poo poo comes up my eyes just start glazing over and super simple budgeting concepts suddenly make no sense to me. I'll stick with my homemade excel worksheets, thanks.
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Feb 12, 2015 18:04
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It's easy, you just have to have such swingy income month to month that it terrifies you to spend any of it!
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Feb 12, 2015 18:07
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Robo Boogie Bot posted:YNAB is the Crossfit of personal finance. Yeah that's fair. Too bad there's no Starting Strength.
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Feb 12, 2015 18:23
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Veskit posted:I'm not on my home computer, but it's because YNAB wants you to zero out the month before going into the next month. Lets say you spend on average 2k a month on bills. If you didn't use the buffer method, when you go a month ahead you should show for Feb that you had 2,000 left over on the top then you'd go and budget out March. March would have zero dollars, but at the top of Feb it would show that you didn't allocate 2000 dollars of Feb money. It technically goes against what YNAB is in which you're supposed to give each dollar a job, and having them lay around doing nothing for a month is not having the dollars have a job so I'm on board with the buffer. IT would make it easier to work with too if you wanted to track the differences between buffer money and rainy day money, IE making sure you have enough to cover the day to day for 6 months and if poo poo goes down with your car. e: not to just you Veskit. Yep it's just this. It's pretty much another way of doing it. And another way, which is the way we'll be doing it moving forward, is to allocate this month's income for next month. The biggest thing I don't like about YNAB right now, is that we have to allocate our savings goals too to be a month ahead. If we hit a true emergency (lost job or something) then we wouldn't account for savings goals until the emergency was over. Our "one month ahead" buffer is realistically closer to two months ahead. I definitely can see how rule 4 would be much more helpful for say a contractor who may make a bunch of money up front, and then may have months without more income. My wife's income is pretty variable though:  So the YNAB method will help us a little at least. Especially with her even more variable disability pay and who knows how long that will take to pay out. Now that we're "a month ahead" though, the buffer category will be hidden, and here on out the confusion will be gone. I figure we've gone this far with YNAB we'll just stick it out. I don't want to lose all of the data we have again. slap me silly posted:That may be partly on Knyteguy though  I don't know what you're talking about. 
Knyteguy fucked around with this message at 18:42 on Feb 12, 2015 |
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Feb 12, 2015 18:33
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when's the baby due?
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Feb 12, 2015 18:39
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SiGmA_X posted:But he could have done it last month. So do it. Then you're a month ahead now, and the budget stops looking so hosed up. You're the one who explained this to me way back! I think in this thread, in 2013. I'm so confused! Shats Basoon posted:when's the baby due? Monday the 16th. We thought for sure she was going into labor on the 10th, but no cigar so far. I think the latest the baby can be born (via forced induction) is March 2nd. Really the sooner the better; the anticipation is killing us.
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Feb 12, 2015 18:45
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Robo Boogie Bot posted:YNAB is the Crossfit of personal finance. moana posted:It's easy, you just have to have such swingy income month to month that it terrifies you to spend any of it!
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Feb 12, 2015 18:45
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Quick bit of news: The hospital bills will be $3701.10 according to the hospital. Our doctor fee is around $2000, but we should have already paid some of that. My wife will get more details on that tomorrow. Also the hospital bill is quoted as that covering "everything" but I'm skeptical that that would cover anything beyond a standard delivery. Obviously it doesn't cover doctor contractors like anesthesiologists if she needs one. My best guess is bare minimum we're liable for $6000 and that is after insurance, but again we've paid the doctor's old firm ahead of time so it should be less ($800). Again we'll find out tomorrow. We have $5700 saved right now for hospital bills in the hsa and that refund check.
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Feb 13, 2015 05:51
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What's the max out of pocket on your insurance? 10k?
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Feb 13, 2015 07:10
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n8r posted:What's the max out of pocket on your insurance? 10k? It's $6,000 per person, $12,000 family. I'm pretty much expecting the $12,000 for all intents and purposes, but maybe we'll get away with less.
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Feb 13, 2015 17:15
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Knyteguy posted:It's $6,000 per person, $12,000 family. I'm pretty much expecting the $12,000 for all intents and purposes, but maybe we'll get away with less. If you have a HSA compatible plan and you are a family, generally the individual limit does not apply like it would on a non-HSA plan. (i.e. you are always going to pay 12k, even if it's just one person).
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Feb 13, 2015 17:19
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MrEnigma posted:If you have a HSA compatible plan and you are a family, generally the individual limit does not apply like it would on a non-HSA plan. (i.e. you are always going to pay 12k, even if it's just one person). Sounds like that's the case. We've got the HSA 1500 plan mentioned below. quote:The HSA options (HSA 1500 and HSA 2000) apply the Individual or Family Deductibles and Out-ofPocket So we'll hit the deductible at $3,000, and then coinsurance (plan pays 70%), and then out of pocket maximum? It doesn't seem like an accurate estimate can be made, so it seems like the out of pocket maximum should be the number that we count on paying.
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Feb 13, 2015 17:27
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Quick Q: Our dog ate our router power cord (We've started crating her if she needs to be inside and we're not home.). I've found a replacement power cord on eBay but it's 10 bucks. I was hoping I could pick one up for less. Perhaps someone who knows more than me about power adapters than me could give some insight? Is there anyway to replace our router power cord with a non-official version? dsa-24ca-12 is the model. edit: actually it's 8 bucks and free shipping. Maybe I should just buy it.
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Feb 13, 2015 18:21
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Yes this is a case of "you should just buy it". Comes out of your discretionary category 
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Feb 13, 2015 18:28
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IIFYB- If it fits your budget I'm assuming it does so yeah buy it it's 8 bucks whatever.
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Feb 13, 2015 18:28
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Alright, I bought it. Thanks.
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Feb 13, 2015 18:34
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Please remember to come to us when the hospital and/or doctor's office screws up and tries to get you to pay too much. Remember the apartment incident. Don't just fork over your hard earned cash. Post first and give us the chance to help you. And I'm stoked to see some cute baby pics
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Feb 13, 2015 18:49
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Knyteguy posted:Sounds like that's the case. We've got the HSA 1500 plan mentioned below. It's not clear from the costs you gave recently if they were accounting for your insurance coverage with these figures. If they were not accounting for insurance you'd figure you're on the hook for $3k + 30% of the remaining ~$2700. If the total cost is ~$10k you're on the hook for for about $5100. According to  the average vaginal birth is $18k (before all the insurance silliness kicks in). It's probably far too late for this, but I'd bet that Reno is a big enough place that you could have shopped around for where to have the kid. Part of the point of HSAs was to do exactly this (maybe you did shop around, if so nice work). The higher deductible levers more financial interest of the patient to shop around. The medical establishment continues to try to obfuscate / discourage shopping, but it is happening, and you've got all sorts of financial incentive to do it.
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Feb 13, 2015 21:10
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My Rhythmic Crotch posted:Please remember to come to us when the hospital and/or doctor's office screws up and tries to get you to pay too much. Remember the apartment incident. Don't just fork over your hard earned cash. Post first and give us the chance to help you. Alright will do. I'll be sure to post it earlier this time too. You bet on the baby pics. I'll definitely get em posted. n8r posted:It's not clear from the costs you gave recently if they were accounting for your insurance coverage with these figures. If they were not accounting for insurance you'd figure you're on the hook for $3k + 30% of the remaining ~$2700. If the total cost is ~$10k you're on the hook for for about $5100. According to That does account for insurance yes. We did shop around a little bit for our hospital (we chose the cheaper option), but not for the doctor or anything. I'll remember that in the future, as I didn't realize HSAs carried that advantage. A C-Section will add about $2,000 if necessary (after insurance). The $3,701 quote covers 48 hours of stay, the care of her and the baby while in the hospital (nurses only I assume) & a standard vaginal birth. The woman who quoted my wife that quote said it could be less, but it most likely won't be more. I'm not going to get my hopes up, but we may only go into debt a thousand or so. Maybe less.
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Feb 13, 2015 23:33
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Knyteguy posted:Perhaps someone who knows more than me about power adapters than me could give some insight? Is there anyway to replace our router power cord with a non-official version? - does the plug match? There are loads of weird tips out there so make sure you get one that fits. - is the voltage the same? It's critical to match the voltages. Don't mess around with this. Plenty of consumer hardware and some enterprise gear has really poor power regulation so a couple volts difference can fry the board. - is the amperage greater than or equal to the original? It's fine to have more current delivering capacity on your power supply, but you don't want to have less. The power brick will overheat and Bad Things will happen. Matching the plug is the biggest pain in the rear end for these devices but if you have a Linksys router then you have a 12V power supply that will work in tons of other routers. But if you have a Buffalo, then it may be a 3.3v supply and even if the plugs fit (which they will), that horrible crackling sound and burning smell lets you know that the 12V linksys supply isn't going to work. Don't release the magic smoke.
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Feb 14, 2015 03:27
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In theory, you could shop around. In practice, no hospital is going to give you an estimate you can actually count on.
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Feb 14, 2015 03:29
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Times are a changin' - I'd say for such expensive procedures it's worth shopping around. It only really matters if you aren't going to hit your maximum out of pocket. When I had my ACL fixed it was pretty obvious I'd hit my max out of pocket so it didn't matter.
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Feb 14, 2015 04:46
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Knyteguy posted:Quick Q: Our dog ate our router power cord (We've started crating her if she needs to be inside and we're not home.). I've found a replacement power cord on eBay but it's 10 bucks. I was hoping I could pick one up for less. Perhaps someone who knows more than me about power adapters than me could give some insight? Is there anyway to replace our router power cord with a non-official version? I'd say this is a typical when it comes to budgeting of missing the forest for the tree's, $8 here or there isn't going to matter in the terms of a month, never eating out the whole month however will have a significant positive effect.
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Feb 14, 2015 08:21
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If your dog just chewed up the cable you could just cut/strip/splice/tape the wire together with whatever extra wire you might have lying around (old power cord, cable off something else you threw away, etc). You could do that even just temporarily so that your router works in the meantime. Edit: don't use tiny wire. Use something at least as thick as what is has now.
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Feb 14, 2015 16:15
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Knyteguy posted:It's $6,000 per person, $12,000 family. I'm pretty much expecting the $12,000 for all intents and purposes, but maybe we'll get away with less. I don't know if this was addressed, but I'd be surprised to see you hit $12k. For example, my HSA family plan has a $10k family out of pocket max with a $5k deductible, then 80% off in-network. Essentially, after paying the first $5k out of my HSA fund, I'd have to incur $25,000 in additional covered medical expenses to hit that out of pocket maximum. If your situation is similar, I don't see you getting close to that.
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Feb 14, 2015 16:29
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Looks like I pulled a Knyteguy:quote:You owe the IRS $11,054 Not actually that bad since I'm getting a bunch back from the state but I have no idea why it's that bad. Presumably withholding not accounting for a bonus or something but I don't know.
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Feb 15, 2015 08:16
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