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Weatherman posted:Bullshit. We know he owns buttcoins--that's more than enough to base a value judgement on. Somebody's jelly they didn't mine coinz back in '10.
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Apr 13, 2015 06:38
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ahahahahahaquote:I'm scared we're going to lose our home. Or have to sell it because we can't afford to pay property taxes. I'm a long time fan of this sub, but today I'm using a throwaway because I'm sharing financial information. Please help us save our home!  but seriously, four horses??
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Apr 13, 2015 08:24
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She's an RN but insists that she wouldn't be able to find work, even though an RN is one of the most in-demand positions out there right now. If she were to work and have her husband stay home, their take home would likely double and depending on where they live, maybe even triple. I know it's obviously not easy to find work, but man.
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Apr 13, 2015 08:42
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quote:No debt except $10k on credit card. Income estimated at $36k. Barebones expenses at least $37k/year with no $ left for savings or retirement. Plus facing some big expenses we ought to take care of. No debt, except this debt. Income is fine but we spend more than we earn. Oh and that's before counting the outstanding bills we left out. No debt. I'm prepared to lose the house and starve instead of sell the horses.
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Apr 13, 2015 08:50
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quote:Pets expenses- cats, dog, 4 horses: food, shots, medical, etc: $3,500/year. (The horses aren't very marketable so they'd be hard to sell and it would devastate me to have them put down because of budget. This is the last thing I'll give up. I'd rather subsist on ramen noodles!) quote:dining out: no restaurants but we have been doing Chinese Take out 2-3x a month = $100/month. It's my only indulgence. Four horses as well, jesus. 3.5k a year sounds really small for having 4 horses, dogs and cats... MrOnBicycle fucked around with this message at 09:10 on Apr 13, 2015 |
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Apr 13, 2015 09:02
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MrOnBicycle posted:
$1000/year sounds really small for a human baby. 
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Apr 13, 2015 10:35
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Breetai posted:$1000/year sounds really small for a human baby. Ain't no baby equity, unlike horses and trucks.
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Apr 13, 2015 10:46
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Senf posted:She's an RN but insists that she wouldn't be able to find work, even though an RN is one of the most in-demand positions out there right now. If she were to work and have her husband stay home, their take home would likely double and depending on where they live, maybe even triple. it's very possible she can't find work if she has an associate's degree and there aren't many jobs in her area
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Apr 13, 2015 11:53
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Cicero posted:Situation: I am engaged, and we have a 1 year old. He works 50-60 hours a week. They just never pull in enough money at that age.
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Apr 13, 2015 12:12
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They should move to where they can both work but clearly she likes horses too much. I'm sure the $3.5k a year on pets is a lowball.
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Apr 13, 2015 12:14
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$3.5k is probably just what they spend on food for the horses -- after medical attention, farrier bills, riding equipment, fencing maintenance, and the time-cost of caring for horses, that number probably skyrockets.
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Apr 13, 2015 12:50
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Not a Children posted:$3.5k is probably just what they spend on food for the horses -- after medical attention, farrier bills, riding equipment, fencing maintenance, and the time-cost of caring for horses, that number probably skyrockets. It's also possible they're not taking very good care of the horses and cheaping out some things. Good with money, bad with being a decent human being 
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Apr 13, 2015 13:29
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Her fiance is spending over 10% of his income in cigarettes and naturally that is non-negotiable as well. Granted, it's not easy to quit smoking, you'd think he could cut it down at least a little bit.
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Apr 13, 2015 13:47
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There are so many questions I have to wonder about that. How did they get a giant house paid off? Why do they have so many drat horses. Her best answer is, maybe I should get a smaller house with more land so I can have more horses.
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Apr 13, 2015 14:00
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Florida Betty posted:Her fiance is spending over 10% of his income in cigarettes and naturally that is non-negotiable as well. Granted, it's not easy to quit smoking, you'd think he could cut it down at least a little bit. 2 packs a day is perfectly fair and reasonable what are you talking about. He's lucky that they don't live in NYC then. I think they run ~$14 a pack around here now. One of the many reasons I don't smoke. e: TLG James posted:There are so many questions I have to wonder about that. I'm willing to guess most, if not all of it, was inherited.
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Apr 13, 2015 14:01
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Phrasing posted:I just started an entry-level government job in Los Angeles that starts at just below twice the minimum wage. Previously I was working two jobs, 56 hours seven days a week, at just over minimum wage. I was as comfortable as I could be working 56 hours a week. It sounds like you just started your first 'real' job with decent hours, pay, and benefits. That implies a youthful glow to your cheeks. You didn't say how old your co-workers were. If everyone could just freeze their living expenses at say, age 25 levels of spending, we'd all have a lot more money. I'm going to guess some of your co-workers have kids, some have unexpected expenses like medical bills, and a minority of them are actually bad with cash. Granted, complaining about your finances to co-workers is bad with professionalism, which in turn could be bad with money. That's like making GBS threads where you eat.
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Apr 13, 2015 14:19
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Why do stupid people get all the inheritances. I'll be lucky if I don't have to pay for my parents' funerals 
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Apr 13, 2015 14:19
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Nail Rat posted:Why do stupid people get all the inheritances. I'll be lucky if I don't have to pay for my parents' funerals It's cyclical. You will persevere and leave a modest inheritance to your children. They in turn, having faced less financial adversity growing up, will be somewhat worse with money but this will be masked by the boost you gave them and will leave a larger inheritance to your grandchildren. Your grandchildren will be horse rich, cash poor, and will loudly complain on the neural web about how life is so hard in Malia Robobama's America.
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Apr 13, 2015 14:27
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Krispy Kareem posted:It sounds like you just started your first 'real' job with decent hours, pay, and benefits. That implies a youthful glow to your cheeks. You didn't say how old your co-workers were. Money is pretty great. I doubled my pay in a year and half going from retail, temp to hire, and finally full time at my current company. Doubled my pay in a 2 year time span with, until recently, no significant change in lifestyle (if anything, I saved money by going to bars less because I didn't have to numb the pain of work as much) and I still felt like I wanted more and more money the entire time. Granted this is because I'm pretty cheap and like putting money away into savings and retirement because I like watching little numbers grow into big numbers.
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Apr 13, 2015 14:31
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Comrade Flynn posted:I really, really want to see a $2500 vacuum now. I like to imagine it's just a portable black hole. http://www.amazon.com/Rainbow-E2-Type-12-Complete/dp/B005R4AB1W A used one on Amazon. I've seen Rainbow salesmen sell $3500 vacuums.
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Apr 13, 2015 14:48
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Those fixed monthly expenses are nutty, and I'm not even talking about the cigarrettes, food, animals etc.quote:Property taxes for the house $3,900/year They own their drat house, yet these monthly expenses total almost $1,500. gently caress huge houses. Throw in some horses and a vicious cigarette habit and their finances are FUBAR. The best part is that unlike many "living beyond your means" situations, she is acutely aware of how few luxuries they indulge in.
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Apr 13, 2015 15:56
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Thesaurus posted:Those fixed monthly expenses are nutty, and I'm not even talking about the cigarrettes, food, animals etc. Assuming they got rid of the horses, I wonder how feasible it would be to rent out the house and move somewhere with better work. It seems to me like it's in the middle of nowhere (horses, a loving tractor used to plow snow), so it probably wouldn't be easy. That's not a rhetorical question by the way, I'm legit curious if it's feasible.
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Apr 13, 2015 16:00
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No kidding. They're working their infant child to death so the wife can keep large animals while her husband produces an oak tree's worth of ash from between his lips each day to the tune of 12% of his net income. I love how she starts right out with laughable dishonesty. "I have two degrees, and I am an R.N., but I can't find any work because this economy sucks so hard." She could probably stumble into a random medical facility drunk and reeking of marijuana, and still leave with two job offers. I love this line: quote:Barebones expenses at least $37k/year Horses: not a luxury expense.
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Apr 13, 2015 16:12
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Thesaurus posted:Those fixed monthly expenses are nutty, and I'm not even talking about the cigarrettes, food, animals etc. My house is about 2400 Sq. Ft and much older and we spend less than half of that on "heat and hot water" and electricity (and it's pretty high as we are big on electronics). Hell, we leave the thermostat on 68 through the winter (58 when we aren't home). It's either really lovely insulation, a super expensive area to live or they are just doing something way wrong (probably option 3). Edit: also not being able to find a job as a RN makes this whole thing sound like complete bs. subx fucked around with this message at 16:17 on Apr 13, 2015 |
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Apr 13, 2015 16:13
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Cicero posted:ahahahahaha Dear lord, is that ever bad with money. Naturally, OP is making excuse after excuse after excuse in the thread and doesn't seem willing to change much of anything. What a train wreck.
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Apr 13, 2015 16:17
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Renegret posted:Assuming they got rid of the horses, I wonder how feasible it would be to rent out the house and move somewhere with better work. It seems to me like it's in the middle of nowhere (horses, a loving tractor used to plow snow), so it probably wouldn't be easy. Or they could sell the house and the horses, buy a small condo in a city, and still have a couple hundred grand to put into investments/a very large emergency fund, plus be able to get better-paying work. There are people who can afford to live in a giant fancy paid-off house in the middle of nowhere and it's not them.
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Apr 13, 2015 16:30
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What size condo do you need for 4 horses in the city?
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Apr 13, 2015 16:39
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why doesn't she just tap that equuity for a mortgage? Losing the house later beats losing it sooner! 
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Apr 13, 2015 16:46
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The Nards Pan posted:What size condo do you need for 4 horses in the city? Not sure but if this thread has taught me anything, they surely have affordable urban horse condos in Des Moines
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Apr 13, 2015 16:51
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The Nards Pan posted:What size condo do you need for 4 horses in the city? Well that's why I said horses and the house. I'm sorry but if you're pulling in 30k a year you don't get to have loving horses.
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Apr 13, 2015 16:51
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The Nards Pan posted:What size condo do you need for 4 horses in the city? Not huge if you get a condo pony! http://www.skymaul.com/condo-pony/2014/9/19/condo-pony
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Apr 13, 2015 17:07
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OneWhoKnows posted:Not huge if you get a condo pony! loving poors. 
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Apr 13, 2015 17:14
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Nail Rat posted:Or they could sell the house and the horses Think they may need to pay for disposal of the horses nowadays, since you no longer send them for slaughter. Or find some other dumbass to take it off their hands for free! Good with money.
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Apr 13, 2015 17:23
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Sic Semper Goon posted:Ain't no baby equity, unlike horses and trucks. Hey, that used to be a thing in agrarian societies. Increase your productivity by having more (male) children! Centripetal Horse posted:Horses: not a luxury expense. "Dear 1880's Reddit. My husband works a really cushy job at only 60 hours a week as a machinist. We live in shared housing that we split with a couple other families. Even though we earn a decent income, we are having a hard time getting by on $728/year. Despite what everyone says, the economy here sucks. Maybe once Cleveland gets out of office things will get better." comments: "Have you considered saving up for a horse? Owning your own is the secret to financial independence" "Why don't you just have more kids, so they can go work in the factories? Passive income!" "Cancel your newspaper subscription. Just pull yesterday's issue out of the trash and read that"
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Apr 13, 2015 17:57
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Renegret posted:Money is pretty great. That's awesome and all, but I think you gotta run a few laps first on the treadmill before you can speak so confidently. Brains have a funny way of never allowing a person to be content with what they have and where they are. That's why this thread exists =) That All Clad stuff is very good and at least they can easily sell it on Craigslist for 50% of what they paid for it if they live in a large city. I've only ever seen people get All Clad, as well as Henckels knives, as wedding presents from rich relatives. I've never seen someone spend their own money on that stuff. A $2,500 vacuum is definitely lol, though. The tragedy of that $450K house poster is that she has so many advantages, fucks it up. Could sell her giant house and still have plenty of advantages, but will gently caress it up. Kid out of wedlock while financially strapped, fuckup. She and her fiancee are fuckups. There aren't any cures for that affliction and very few treatments. As for her degree, I know that the market has been flooded with 2-year nursing school graduates who saw a TV ad and heard about the jobs in nursing. Financial freedom! Live the dream! Get your degree! They have no experience and hospitals won't hire them because they have no experience. Poor folks are caught in this catch-22. Going through that nursing training is another sign that she's a fuckup. Edit: quote:I'm scared we're going to lose our home. Or have to sell it because we can't afford to pay property taxes. I'm a long time fan of this sub Blinkman987 fucked around with this message at 18:58 on Apr 13, 2015 |
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Apr 13, 2015 18:01
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This is old I think but I just saw it. Pretty much sums up every bad with money looking for help post ever.
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Apr 13, 2015 18:09
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SmuglyDismissed posted:This is old I think but I just saw it. Pretty much sums up every bad with money looking for help post ever. Bad With Money: "my family is dying" "spend less on candles" "no"
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Apr 13, 2015 18:37
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@dril is good
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Apr 13, 2015 18:59
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Cicero posted:ahahahahaha quote:I need my partners support if I'm going to tell him to quit his job. He was raised that the man is the breadwinner. While you and i know that doesn't have to be true, he is resisting the idea. I'm caught between trying to balance the finances and accepting I am not able to change another person.
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Apr 13, 2015 19:04
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Haifisch posted:but they need to have a serious talk about priorities now that they have horses to provide for. Fixed that for you. Don't be forgetting the horses.
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Apr 13, 2015 19:13
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