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Knyte, at this point I don't see why you're still arguing. You're gonna do what you're gonna do, and I don't think you really care what the opinion of internet strangers really is. Being the Goon in the Well is not fun, but until you make some real, lasting changes you are going to be living (nearly) paycheck to paycheck and just one major emergency away from financial ruin.
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Apr 15, 2015 00:47
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Veskit might be harsh and have higher standards that he thinks you can meet than I think you're capable of, but he's making some really good posts and you should really reread them and take them more seriously.
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Apr 15, 2015 00:52
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Nocheez posted:Knyte, at this point I don't see why you're still arguing. You're gonna do what you're gonna do, and I don't think you really care what the opinion of internet strangers really is. Being the Goon in the Well is not fun, but until you make some real, lasting changes you are going to be living (nearly) paycheck to paycheck and just one major emergency away from financial ruin. I don't feel like I'm arguing. I don't know what lasting changes people want I'm doing my best on the budget that I can. Did anyone here never expect some regression to habits that have been ingrained in me since I was a little kid? Especially when we just had a kid ourselves and it can be incredibly difficult? Not even stressful but difficult. Finances are hard I still think we're doing really great considering where we were before. Y'all tell me it's a journey or a marathon not a race to being good with money. This is my journey. April has been a really great month so far too. And I just found out I can probably work on nearly doubling my income (with the preface that it won't fix our financial problems) but everyone trips on a car I was simply asking about. I even said I wasn't sold or anything I just wanted input. Horking Delight posted:Veskit might be harsh and have higher standards that he thinks you can meet than I think you're capable of, but he's making some really good posts and you should really reread them and take them more seriously. Again I didn't even feel like he was being harsh. I agree he was making some good points beyond saying I was being manipulative. I try to be open with you guys. I will reread this whole discussion this evening though. And if he does have higher standards for me then I appreciate that.
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Apr 15, 2015 00:55
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Arguing might not be the right word, but justification and rationalization sure do fit. So you had a tough upbringing, and now have a kid of your own? Who cares! You're in this situation, and either start making steps to get out of it or tread water until you are sunk by some "unforeseen" emergency.
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Apr 15, 2015 01:01
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Knyteguy posted:Again I didn't even feel like he was being harsh. I agree he was making some good points beyond saying I was being manipulative. I try to be open with you guys. I will reread this whole discussion this evening though. And if he does have higher standards for me then I appreciate that. If you felt like i wasn't being harsh then why did you tell me to knock it off about saying you're being manipulative. Are you now saying I made good points beyond being manipulative, but also you're understanding that you're being manipulative? Horking Delight posted:Veskit might be harsh and have higher standards that he thinks you can meet than I think you're capable of, but he's making some really good posts and you should really reread them and take them more seriously. That's, really sad because my only goals for Knyte are to make a budget that he can actually follow, and to go to therapy/possibly a psychiatrist.
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Apr 15, 2015 01:08
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Veskit posted:That's, really sad because my only goals for Knyte are to make a budget that he can actually follow, and to go to therapy/possibly a psychiatrist. He treats his budget as a minimum-spend guideline and I think he needs a fat "slush" category before he stands a chance at meeting those numbers, but he hasn't the money to spare for one and he's already shown the goldfish tendency of growing his spending when it's available, so I'm not even sure adding 200 to groceries and 200/each to discretionary (which is basically 600 slush that would cover the overages in only two of his last three months wtf) would work to give him enough space to come under on a budget just this loving once. I mean, like if I were king and no one else's opinions mattered, I would say "up your discretionary by $600 and try to meet that budget without going over at all, and never buy a house or new car and see how you feel about living one moderate emergency away from disaster, and in six months when you're 5k more in debt than you were before, re-evaluate if this is the lifestyle you want for the rest of your life for yourself and your family." Like he went from payday loans to living just barely out of paycheck-to-paycheck. And right now he doesn't understand what's so bad with living paycheck to paycheck, other people do it just fine as long as an emergency doesn't happen. We want him to run but he can barely walk, and yeah maybe there's a dog chasing him but getting bit isn't going to kill him. Colin Mockery fucked around with this message at 01:56 on Apr 15, 2015 |
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Apr 15, 2015 01:44
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Argh will all of you get off my back a littlrw (and call me Spiderman) if I come under budget for the next 3 months? $400 groceries since I said $300 was only for this month.
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Apr 15, 2015 01:49
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Only if you don't resort to budget-number-fuckery to do it. If you have to move money around due to legitimate emergencies, which I classify as "oh god the baby's sick" or "oh god the car died" or "oh god I lost my job" that's fine, but "I got invited to a bachelor party" is very much not. Post a budget on the 1st of each month. Also post your expenditures from the previous month, showing how you may have shifted categories around (which ideally you do none of, but nobody's perfect so $20 here or there, I'd be okay with). That'll probably get some people off your back. If you carry any spending forward to the next month, you didn't stick to your budget and you fail.
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Apr 15, 2015 01:54
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Honestly if you set a realistic budget (up for debate) and stuck to it every month without changing it or moving money around or saying look how far we come you'd just get high fives. But every month it's something. For like 3 months you were overspending on groceries and were always going to get it back next month. But you never did. And then you change the numbers or get meal plan or move money around or post date transactions or or or. Set a budget. Stick to it. Don't change things. Problem solved. Or say gently caress it. Check out of the thread for 3 months and then maybe post an update if you're successful or duck your head in shame if you're not. It's your life dude. People are only trying to help.
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Apr 15, 2015 02:00
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Knyteguy posted:Argh will all of you get off my back a littlrw (and call me Spiderman) if I come under budget for the next 3 months? $400 groceries since I said $300 was only for this month. $100 to the charity of your choice if you come under budget for three months in a row, starting in May, budgets posted before the first of the month and spending posted within 2 weeks after the end of the month. If a legitimate ("lost my job", "hit by car", not "sister had a bad week" or "I needed new shoes" or even "I needed cab fare for interviews") emergency happens, the month isn't counted but you'll need one more good month (3 good months and one emergency month in total then, instead of 2 good and one emergency). And I will call you Spiderman. But I also want your budget to answer the question of "at this savings rate, when will I be out of debt and with a fully-stocked emergency fund" and for that answer to be one you are honestly, truly willing to accept. So if you make a budget where "everything is discretionary and I only pay down minimum payments", you better also say "I will be out of debt in 15 years and I'm accepting that for now". Colin Mockery fucked around with this message at 02:16 on Apr 15, 2015 |
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Apr 15, 2015 02:12
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Bugamol posted:Honestly if you set a realistic budget (up for debate) and stuck to it every month without changing it or moving money around or saying look how far we come you'd just get high fives. But every month it's something. For like 3 months you were overspending on groceries and were always going to get it back next month. But you never did. And then you change the numbers or get meal plan or move money around or post date transactions or or or. Well I like my budget I know we can stick with what we've got. I know everyone is trying to help, and you all are. What I meant by getting off my back was more like... to relax. This thread is more fun when we all joke around and stuff not yell about stupid cars. I don't want to duck out. You guys absolutely help me stick to my spending limits. Yes it's my money and yes we can do what we want ultimately. I do acknowledge that without you guys we wouldn't have that money right now too. And for fucks sake I need to come up with better data to track everything. I feel like things may not be communicated very well. Weekend project if I can get my resume done.
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Apr 15, 2015 02:16
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Horking Delight posted:$100 to the charity of your choice if you come under budget for three months in a row, starting in May, budgets posted before the first of the month and spending posted within 2 weeks after the end of the month. If a legitimate ("lost my job", "hit by car", not "sister had a bad week" or "I needed new shoes" or even "I needed cab fare for interviews") emergency happens, the month isn't counted but you'll need one more good month (3 good months and one emergency month in total then, instead of 2 good and one emergency). Well gently caress now I'll look like an rear end in a top hat if I don't hit my budget. OK this is super generous Horking you've got a deal. Let me give it some thought and truly make sure this is the budget we're going to stick with to answer your question. And just to clarify this is budget as a total right not a fail on 1 category?
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Apr 15, 2015 02:19
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Yeah as a total (budget of money you are going to spend this month) but you can't just not put money into your "clothes" fund (or your savings) or whatever for a month to make the budget and then have a "clothes emergency!!!" where you buy new jeans out of your e-fund. If you wanna up your discretionary or whatever to feel like you can meet the budget, that's cool with me as long as you clearly express how that affects your savings rate and long-term goals.
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Apr 15, 2015 02:24
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Knyteguy posted:Well gently caress now I'll look like an rear end in a top hat if I don't hit my budget. OK this is super generous Horking you've got a deal. Let me give it some thought and truly make sure this is the budget we're going to stick with to answer your question. Yay. Put some thought into the budget and make sure to hit it. This is what people wanted a year ago...(and of course still want!) Now once you do that, you can plan out what your future looks like, and then decide if you want to adjust the budget. Baby steps! Edit: That should say, once you do that, and hit it (say for..i dunno..3 months?) then you can plan your future. MrEnigma fucked around with this message at 02:47 on Apr 15, 2015 |
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Apr 15, 2015 02:34
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Veskit posted:If you felt like i wasn't being harsh then why did you tell me to knock it off about saying you're being manipulative. Are you now saying I made good points beyond being manipulative, but also you're understanding that you're being manipulative? I think you made good points beyond saying I was being manipulative. I also disagree that I was being manipulative. I wasn't trying to manipulate you guys into saying yes on the car if that's what you meant, because 1) you guys always call me on my bullshit and 2) I was truthfully just seeing if perhaps the car would be a steal and worth picking up. I may have been wrong there and often times when I come to do that in the thread I just say to myself "well they'll say no so I won't bother asking" and then not buy it. I probably should have done that in this case. I dunno. Sorry I said to knock it off though. It's just difficult sometimes when I get dogpiled. Horking Delight posted:Yeah as a total (budget of money you are going to spend this month) but you can't just not put money into your "clothes" fund (or your savings) or whatever for a month to make the budget and then have a "clothes emergency!!!" where you buy new jeans out of your e-fund. OK cool Horking you've definitely got a deal then. I'll do my best for charity! And the family of course. MrEnigma posted:Yay. Put some thought into the budget and make sure to hit it. This is what people wanted a year ago...(and of course still want!) Woot!
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Apr 15, 2015 02:46
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Sticking to a budget is a good start. But you also refuse to actually listen to any of the advice in this thread. We told you that it was important to develop good habits before the baby came, and you posted lists trying to prove that a baby's not that disruptive. We told you not to rely on your sister 100% for child care. Literally every 'crisis' you think you need to spend money on is something this thread has mentioned before. Fixing the long-term planning is just as important as fixing the day-to-day. There will be another wedding/funeral/family trip that demands your money. Your car will break down eventually. If you actually think about these things ahead of time you'll be better prepared when they happen.
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Apr 15, 2015 02:55
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Knyteguy posted:OK cool Horking you've definitely got a deal then. I'll do my best for charity! And the family of course. What would be your choice of charity?
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Apr 15, 2015 03:08
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Knyteguy posted:I think you made good points beyond saying I was being manipulative. I also disagree that I was being manipulative. I wasn't trying to manipulate you guys into saying yes on the car if that's what you meant, because 1) you guys always call me on my bullshit and 2) I was truthfully just seeing if perhaps the car would be a steal and worth picking up. I may have been wrong there and often times when I come to do that in the thread I just say to myself "well they'll say no so I won't bother asking" and then not buy it. I probably should have done that in this case. I put an either or in there and you're definitely following the or in this case. Horking Delight posted:He treats his budget as a minimum-spend guideline and I think he needs a fat "slush" category before he stands a chance at meeting those numbers, but he hasn't the money to spare for one and he's already shown the goldfish tendency of growing his spending when it's available, so I'm not even sure adding 200 to groceries and 200/each to discretionary (which is basically 600 slush that would cover the overages in only two of his last three months wtf) would work to give him enough space to come under on a budget just this loving once. Given the baby and his abilities I think barely out of paycheck to paycheck was the best we could hope for given his attitude and how everything was going before. I remember having a 500 dollar discretionary total and watching that blow up. I honestly think he has problems that budgeting won't help at this point, and that this is just a really good bandage to put on.
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Apr 15, 2015 03:35
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Knyteguy posted:Mango that was Cicero who gave me the mock interview which was very helpful. I think about what I learned from that often. On the technical side I know what I have to do. I'd absolutely appreciate some resume input. Plus more information on your experience moving from $60k -> $120k would be really interesting as well. Any help anyone is willing to offer I'd be extremely appreciative of. Dallas isn't as expensive as the east coast, but it'll be much more expensive for you than Reno. Personally, I think interviewing outside of your current area is a mistake unless it's remote work. Because you seem very keen on family involvement and justified your sudden apartment move by saying you HAD to be closer to family. If you relocate, you'll start to regret removing your son from the extended family, you'll want him to spend more time around them as he grows up, you'll have to fly 3 people everywhere for holidays, you'll want family to come and visit you but because they can't afford it you'll pay for their airfares... I also think you're significantly underpaid for Reno and you should be job-hunting locally first, if you actually want your extended family to be involved.
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Apr 15, 2015 05:01
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Both Knyteguy and Wife need to expect and embrace rejection in the job search. There are enough companies for whom they can work in their chosen or desired fields even where they live now (or can work remotely like the transcription thing) that they could find something with enough effort, preparation, and dedication. That is a big ask. Also, be safe riding the bike on the highway. Last thing we want is the post where you are biking and hit by a car and everything falls apart as a result.
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Apr 15, 2015 05:13
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I would not ride a bike on the expressway anywhere, especially in Reno. Given a choice between buying a car and riding a bike on the expressway, I would definitely buy the car in your situation. I would also do a detailed financial analysis of whether it's worth it for your wife to work at some point. I don't know what the outcome would be, but the costs involved stack up pretty quickly: $4800 in babysitting $____ in new car $____ in car insurance/maintenance $____ in federal/payroll taxes $____ in random expenses that could cut back on if she didn't work (more time spent cooking etc) If you add it all up you might find that it's really not worth it.
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Apr 15, 2015 05:55
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Knyteguy posted:Especially when we just had a kid ourselves and it can be incredibly difficult? Tough love: You were the guy that told us according to the internet moving is more stressful than having a kid. And we all told you different. How many times did you flip flop between "The wife is going back to work" to "The wife is staying home" to "My sister is watching our kids" to "I guess we need to find a sitter because <reasons>" leading up to and even while your wife was on leave? Because of your inability to plan ahead (and stick to it), now you're stuck bumming rides off your sister because on your last long hiatus from this thread you decided to get $10k underwater on one car instead of $5k underwater on 2 cars. You're not awful: Despite people completely jumping down your throat about every little thing, I think you guys are doing "ok". You were able to cover your unexpected tax bill (once again showing lack of planning/looking ahead) and had saved enough (hopefully) to cover all the delivery expenses for your kid. That said, I think we all agree that the stress of a having a kid at home and adjusting to the new schedule hasn't been doing you any favors. Often I think reading these threads that I'm glad I don't have my own because no doubt everyone would jump down my throat all the time too. I'm over my restaurant budget for the month already.
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Apr 15, 2015 18:42
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Horking Delight posted:$100 to the charity of your choice. Count me in - $100 to the charity of your choice, if you meet the conditions as set out by Horking. If this is what it takes to push you to stick to a budget for 3 months straight, and raises money for a good cause, it's win-win in my book.
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Apr 15, 2015 22:25
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Killer headache today so I'll try to address some points made tomorrow.IllegallySober posted:What would be your choice of charity? My first thought is the http://www.nevadahumanesociety.org/ since they're the pinnacle of animal control (we have no state 'pound') and absolutely need the funding. They have acres of dirt and grass for daily exercise, take on just about the entire burden of homeless and abandoned animals in the city, do free/cheap spays and neuters, and they're no kill. I try to donate when I can. I was also looking at CharityNavigator which I've seen mentioned around the forums before, and perhaps finding a meaningful charity there. Education or hunger/water would probably be my initial lookups. Aagar posted:Count me in - $100 to the charity of your choice, if you meet the conditions as set out by Horking. If this is what it takes to push you to stick to a budget for 3 months straight, and raises money for a good cause, it's win-win in my book. Awesome and terrifying because now I have another reason to come under budget. Thanks for being so generous Aagar I need to make sure we do this no matter what.
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Apr 15, 2015 23:29
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Aagar posted:Count me in - $100 to the charity of your choice, if you meet the conditions as set out by Horking. If this is what it takes to push you to stick to a budget for 3 months straight, and raises money for a good cause, it's win-win in my book. Ditto. Feel the pressure
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Apr 15, 2015 23:46
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slap me silly posted:Ditto. 
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Apr 16, 2015 00:03
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You're going to feel pretty loving terrible if a bunch of cats go unspayed because you couldn't not go to the Olive Garden.
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Apr 16, 2015 00:05
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Inverse Icarus posted:You're going to feel pretty loving terrible if a bunch of cats go unspayed because you couldn't not go to the Olive Garden. 
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Apr 16, 2015 00:06
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Inverse Icarus posted:You're going to feel pretty loving terrible if a bunch of cats go unspayed because you couldn't not go to the Olive Garden. I know you're joking, but they definitely do a lot of good in the community. Beyond spays here's another example: http://www.kolotv.com/home/headlines/Donations-Requested-for-Injured-Dog-at-Nevada-Humane-Society-296230771.html But I'm not 100% on the choice of where the money will go. Underprivileged kids or programs to help get more girls into STEM fields would be meaningful as well. Knyteguy fucked around with this message at 00:14 on Apr 16, 2015 |
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Apr 16, 2015 00:11
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Just to update the thread, I have not received anything from Knyteguy. I'm checking out of here until I do (or one of you PMs me that he posted a resume here).
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Apr 16, 2015 00:14
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I'm just being an rear end. Both my dogs are humane society mutts, and my wife and I volunteer there roughly once a year during "adoption drives." A very worthy charity. Best of luck!
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Apr 16, 2015 00:15
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Ultimate Mango posted:Just to update the thread, I have not received anything from Knyteguy. OK I'll PM you. I'm not flaking (job hunt is a huge priority today thanks to some motivation) I just need a little time. I lost my docx (only kept the pdf version) so I have to start fresh on the formatting. And I hear you about job rejections. I'm used to that and it doesn't bother me, but I think my wife lost hope too early on the transcription and just finding a better job in general. She's motivated again though. And thanks. e^^^ cool yes I pretty much have to do it now. Knyteguy fucked around with this message at 00:24 on Apr 16, 2015 |
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Apr 16, 2015 00:17
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No .tex? No hire 
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Apr 16, 2015 00:29
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Series DD Funding posted:No .tex? No hire Psh how about developed http://www.pluswebhost.com/portfolio/ (this is 3 years old I don't plan on using this) But actually Latex is developed isn't it? I've never used it. Knyteguy fucked around with this message at 00:52 on Apr 16, 2015 |
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Apr 16, 2015 00:37
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You really should use spideroak or a free cloud service so you never lose a document again...
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Apr 16, 2015 00:53
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Oh my god, I love the new title. I would pledge $100 to CAP in Houston for cattes, but I'm so hard up for money, that'd be part of my debt to chase. Knyte... don't gently caress it up. 
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Apr 16, 2015 00:55
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SiGmA_X posted:You really should use spideroak or a free cloud service so you never lose a document again... I have a 1TB dropbox since I store pictures/financials/etc and business stuff on there. I have my resumes and my wife's resume in there, but for some reason my docx isn't there. I must have forgot to move it. e^ good movie and I'll do my best.
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Apr 16, 2015 00:57
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Knyteguy posted:Psh how about developed This is as complex as you want to get: code:Also yes don't use that portfolio, not least because it uses your e-name.
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Apr 16, 2015 01:37
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Series DD Funding posted:This is as complex as you want to get: Huh OK thanks that doesn't look bad, and more importantly it looks precise and consistent which is something that has bothered me with my résumé template in the past. Perhaps I'll try it tonight. That portfolio I actually anonymized just after I posted it. I wouldn't use it again because the code examples are terrible if nothing else though. I made that while I was still new to the field professionally. Knyteguy fucked around with this message at 02:03 on Apr 16, 2015 |
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Apr 16, 2015 02:00
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Knyteguy posted:My first thought is the http://www.nevadahumanesociety.org/ since they're the pinnacle of animal control (we have no state 'pound') and absolutely need the funding. They have acres of dirt and grass for daily exercise, take on just about the entire burden of homeless and abandoned animals in the city, do free/cheap spays and neuters, and they're no kill. I try to donate when I can. Good answer. I'm also in for $100. 
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Apr 16, 2015 05:00
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