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Knyteguy posted:So no raise for the moment. I asked if we were still doing a review this year, and the company that pays my salary has a payroll freeze. There's no time frame on resolution ie the situation was basically explained to me as the payroll freeze could be over tomorrow, or months from now. I mean I'm still up on inflation with my 3% raise last year, but yeah I really need to begin to start hunting locally. I'm finishing up a .net universal app I've been working on for 3-4 months, so it would be a good time, as it's likely only small projects to finish up over the next few months. You're not on that companies payroll though.
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Jul 24, 2015 22:28
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Rudager posted:You're not on that companies payroll though.
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Jul 24, 2015 22:44
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Old Fart posted:To be fair, you dodge a lot of other points. I have to repeat a lot of stuff in here sometimes, so it gets tiring rehashing the same stuff over and over. Sometimes I'm dodging for that, sometimes I'm dodging because I don't want huge derails (though I'm terrible at preventing those), etc. I think it's disingenuous to say that I'm not making progress. Like maybe if the questions was asked in a way like: "How is your progress?" I think I would be able to give better answers on like how poo poo has actually changed recently, too. Only a thought. Obviously everyone here will post what they want, and that's alright with me too, even if I get a little stressed out sometimes. foxatee posted:Maybe people get upset because you've shown you can be financially responsible (when you actually listen to the advice given), but then you do irresponsible things following that and it just shows that you haven't actually learned anything. It's great that you stopped with the payday loans, but how long ago was that? How long will you continue to use that in your arguments? Past victories are great. How about some present victories that don't involve the thread having to approve of every transaction? Well the $10,000 saved up is pretty new, as is the childbirth being paid off (in full! We sacrificed a lot of income to make sure we had enough). We also paid off our back tax bill. I understand there's way more to go. That said there's also been recent months that have been pretty good, ya know? I don't want the thread to approve every transaction. In fact I don't do that at all. There's some big recurring stuff that comes up often (a second car); with that said we still don't have a second car. I believe that's evidence that my impulsive tendencies aren't this force I can't say no too (see the monitor as well, which I didn't even bring up). I hate that I have to keep saying this: no I'm not saying that I've have this stuff clinched or something. Ultimate Mango posted:My fear of black widow spiders is significant, and has even been shown on a TV show. There were a lot of spiders and we were tearing down the structure that housed them. I screamed like a girl. On TV. It was not left on the cutting room floor. Haha. Well I'm glad I'm not the only one. One time my dad woke up and found one crawling on his chest. Screw that. I took the landlord advice for the ants at least. n8r posted:I think it's worth keeping in mind that KG & his wife come from a family history of terrible financial decision making. I would also contend that there are some mental health / therapy related issues that influences KG's impulsiveness. Not saying he's mentally ill, but there are issues there influencing what is going on. A lot of negative net worth, yes. I mean I'm working on that though. There have been a lot of setbacks (taxes, childbirth, moving, etc etc) and don't get me wrong they're all my fault, but I can't think of any decisions that are left that will come bite us in the rear end right now, barring being sued by a debtor. I think we're pretty well paid up on our past mistakes now. PS: I'm only going to pay half of that vet bill. My mom thinks it was my dog, I think it was coyotes, I think that's the definition of a good middle ground. Thank you for giving me some positive feedback. Regarding the $10,000 in the bank - I mean yes we'd have more for sure. There's no question there. I'm really trying and even doing often though, despite what people may think. Once we're on this track of debt repayment (so soon) then I believe things will roll a little smoother. Antifreeze Head posted:As I see it, your thread is largely about two things: debt reduction and monthly budgeting. This is a really insightful post since it gives me some new outside perspective Antifreeze Head thanks. Well most of our real saving has been since January. Currently we're looking at around $1,000 in net worth increase every month since then, as that's roughly what we're saving. We should be able to add $1,000/mo towards debt for the foreseeable future steadily; and I'm going to try to make some months better than that when I'm feeling up for it (like August). That's like 20% or so, so that's not too shabby. We've hit like 40% before, although we didn't have a kid then. I did a small forecast during the charity month. I'll give that a go again using YNAB averages to see what's really up regarding how much we can put towards debt while keeping our spending roughly the same. If I don't like that, then I'll adjust if I feel we can. I think a B- is fair in the overall improvement. I'd give myself maybe a D on budgeting. I mean we had $350 in vet bills... so we at least planned ahead for that. Definitely a "Needs improvement" though. There's a lot of points here; I'll post again if I feel like I want to hit something I missed here. And also thank you for saying that I own up to my failures. Like of anything I get accused of, that's one of the most frustrating. Especially lately. I've been a firm believer of "owning up" to stuff for a long time. I used to always come forward with my mistakes at work, even if I really screwed something up. I think integrity is an important quality, and it's one I strive for. BloodBag posted:Does this Texas based company deal in oil, per chance? If so, that's the reason for the payroll freeze. We are all getting hosed down here by the cheap oil everyone else is enjoying. Kind of tangentially related, in that there's lots of clients that are oil companies. I'd go more into detail, except I believe it would be very easy to find the company if I did. Rudager posted:You're not on that companies payroll though. I get paid when payroll goes through, and they're just barely making it with payroll. I think what the problem is, is that they're trying to get their credit extended to cover their new higher payroll costs. They've done a huge amount of expansion lately by buying up companies (some with the employees of those companies), and money is like super tight (or something like that I'm just relaying some info "Telephone" game style at this point).
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Jul 25, 2015 02:48
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Knyteguy posted:I get paid when payroll goes through, and they're just barely making it with payroll. I think what the problem is, is that they're trying to get their credit extended to cover their new higher payroll costs. They've done a huge amount of expansion lately by buying up companies (some with the employees of those companies), and money is like super tight (or something like that I'm just relaying some info "Telephone" game style at this point). Yeah, but they don't pay you, your bosses company does. You're not negotiating with the company you're contracted out too, you're negotiating with your boss, how he pays you is his problem. If your job is that tightly intertwined with the company you're contracted out too, and they're in the position you just described, I'd be loving making GBS threads bricks right now if I was you. "Hhhmm, moneys tight how can we reduce costs? Especially our payroll" "How about we get one of these newly acquired people to do KG's job in house rather than paying contractor rates for it?" "Perfect, I'll call KG's boss!" Rudager fucked around with this message at 03:29 on Jul 25, 2015 |
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Jul 25, 2015 03:27
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Rudager posted:Yeah, but they don't pay you, your bosses company does. You're not negotiating with the company you're contracted out too, you're negotiating with your boss, how he pays you is his problem. Yeah my boss can't afford a pay raise for me by any means. He'll negotiate something with the contract company (I work 40 hours a week for them almost always), and I'll basically counter with them if I counter. Well from what I understand from earlier conversations, one of the reasons I wasn't pushed into being an employee with that company is to avoid the situation you mentioned. I figure it's always a risk to get laid off or something. Hell the sheet metal company I worked for laid me off because the owner did some super fraudulent stuff that tanked the company overnight; no one saw it coming.
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Jul 25, 2015 03:35
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Knyteguy posted:Yeah my boss can't afford a pay raise for me by any means. He'll negotiate something with the contract company (I work 40 hours a week for them almost always), and I'll basically counter with them if I counter. So what exactly is he doing for you that's worth him taking a few dollars off the top of what you make for him? He sounds like an unnecessary middleman. EDIT: If your boss can't afford a pay rise for you, how was it going to work when you brought him a higher paying job offer? Was he then just going to take it to this contract company to get them to chip in a few more bucks to keep you? I really, really, really don't get what the gently caress the relationship between you, your boss, and this contract company is. Whatever it is, you sound like the one getting hosed the hardest on it. Knyteguy posted:Well from what I understand from earlier conversations, one of the reasons I wasn't pushed into being an employee with that company is to avoid the situation you mentioned. I don't follow what you mean here, do you mean they didn't make you an employee so it's easier to drop you if they need too? Rudager fucked around with this message at 03:48 on Jul 25, 2015 |
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Jul 25, 2015 03:44
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Rudager posted:So what exactly is he doing for you that's worth him taking a few dollars off the top of what you make for him? I think I have asked something similar as well in this thread. It's not really clear how his work is structured. I was under the impression that it was just KG and the boss, perhaps that's not the case? This is just another example of where KG trying to be ambiguous for no good reason just makes people jump to conclusions. I think KG should outline some of the details about how his job works and what his responsibilities are. What happens if KG was to leave? Why hasn't KG just explored working directly for this company? What advantage does this company gain from having KG's boss in between them?
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Jul 25, 2015 04:15
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Knyteguy posted:dodging and progress
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Jul 25, 2015 04:33
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NEGOTIATE FOR MORE WORK AT HOME DAYS. FFS dude, your boss is not your friend. He makes a profit off of your work. Now he's not even giving you an annual review, and he expects you to manage some other schlub. I get it, confrontation is hard, but wouldn't you rather make your current situation better rather than just quit and start fresh somewhere else? YOIR BOSS IS NOT YOUR FRIEND. HE IS NOT LOOKING OUT FOR YOU.
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Jul 25, 2015 05:35
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^ Thanks guys. I'd rather not go into my job anymore. Anyone curious can feel free to PM me though, and I can go more into it. August's budget  I put most of what I could find into the car payoff category (new at the bottom). Spartan August redux I guess.
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Jul 27, 2015 19:44
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Knyteguy posted:^ Thanks guys. I'd rather not go into my job anymore.
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Jul 27, 2015 20:43
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Knyteguy posted:I put most of what I could find into the car payoff category (new at the bottom). Spartan August redux I guess. What's this you're getting serious about paying off the debts?
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Jul 27, 2015 20:59
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Yeah buddy! $1800 towards the principle on that loan will save you quite a lot in interest. When are you planning on making the payment?
My Rhythmic Crotch fucked around with this message at 21:10 on Jul 27, 2015 |
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Jul 27, 2015 21:06
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I say make it on 8/1, and stick to the budget. Do it KG/Wife, you guys can manage it.
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Jul 27, 2015 21:45
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Why are you $50 in the black for restaurants, or am I reading that incorrectly? Last I recall you had something like -200 rolling over into this month.
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Jul 27, 2015 22:25
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Robo Boogie Bot posted:Why are you $50 in the black for restaurants, or am I reading that incorrectly? Last I recall you had something like -200 rolling over into this month. He started over but...why are restaurants at $50 at all? Based on previous months that is completely unrealistic. Personally, I'd rather see KG be honest and throw $200 in there and take money out of savings to match it, because let's be honest - this is what is happening to the money anyhow. I know some people in the thread feel differently though.
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Jul 27, 2015 22:48
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Knyteguy posted:^ Thanks guys. I'd rather not go into my job anymore. OK then, but your work setup sounds completely hosed up and like you're being exploited by everyone that you think is looking out for you.
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Jul 27, 2015 23:00
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Hawkgirl posted:He started over but...why are restaurants at $50 at all? Based on previous months that is completely unrealistic. Personally, I'd rather see KG be honest and throw $200 in there and take money out of savings to match it, because let's be honest - this is what is happening to the money anyhow. I know some people in the thread feel differently though. The budget should be adjusted to represent the realistic expected expenditure which is $200. I was looking back to see how much your auto loan is. From the 2013 posts it looks like 18%. 
Devian666 fucked around with this message at 23:19 on Jul 27, 2015 |
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Jul 27, 2015 23:13
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Old Fart posted:Yeah, it has no relevance to this forum or your situation. Good call. I'm more than open to a one-on-one where I can provide information privately. Devian666 posted:What's this you're getting serious about paying off the debts? Yeah. I just want to get this done. I'm tired of paying interest on all of this stuff and how it hangs over our heads. I have confidence in the envelope system working for us. My Rhythmic Crotch posted:Yeah buddy! $1800 towards the principle on that loan will save you quite a lot in interest. When are you planning on making the payment? SiGmA_X posted:I say make it on 8/1, and stick to the budget. Do it KG/Wife, you guys can manage it. Thanks yeah we can manage it I feel, too. I'm going to mail a check in tomorrow since the loan company we're using is terrible, and that's the only way to pay down the principal. It'll probably clear on the 1st or 3rd. Robo Boogie Bot posted:Why are you $50 in the black for restaurants, or am I reading that incorrectly? Last I recall you had something like -200 rolling over into this month. That was from a couple months ago. This month we came under some categories, we went over some categories, it basically evened out. Rudager posted:OK then, but your work setup sounds completely hosed up and like you're being exploited by everyone that you think is looking out for you. I don't think any of them are looking out for me. I'm going to start looking for something better; that's all I can do. Hawkgirl posted:He started over but...why are restaurants at $50 at all? Based on previous months that is completely unrealistic. Personally, I'd rather see KG be honest and throw $200 in there and take money out of savings to match it, because let's be honest - this is what is happening to the money anyhow. I know some people in the thread feel differently though. Devian666 posted:The budget should be adjusted to represent the realistic expected expenditure which is $200. No not this month. I've been thinking about this for awhile, and I talked it over with my wife, and I'm not committing to this budget forever, but for the month of August this is what I want to go with. I loving need to accomplish this for the sake of my sanity and self-confidence. I'll post more with one of the ways I intend to do that around the time I post the envelopes. The car loan is 10%. The car we traded out of was 18%, which is what you're referring to.
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Jul 27, 2015 23:45
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Knyteguy posted:Yeah. I just want to get this done. I'm tired of paying interest on all of this stuff and how it hangs over our heads. I have confidence in the envelope system working for us. It's still quite a high rate but half as much. Getting rid of that auto loan is pretty important and it's good to see that you're attacking that first. You're correct that all of these debts are causing you a lot of stress and grief. Provided you can stay focused on this you could eliminate that large car payment that's continually sucking up your money.
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Jul 28, 2015 00:23
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I would go back to your boss and explain that if there's no money for a raise, you'd like to work from home two days a week. Can't hurt to try, and employres are usually more amenable to that sort of thing.
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Jul 28, 2015 00:24
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Knyteguy posted:No not this month. I've been thinking about this for awhile, and I talked it over with my wife, and I'm not committing to this budget forever, but for the month of August this is what I want to go with. I loving need to accomplish this for the sake of my sanity and self-confidence. Any reason why you can't share your methods now to talk it out? My advice: eat lots of lovely but cheap fast food and don't order any drinks but water. If you can't live without soda/coffee/whatever, buy it from the store and take your cheap fast food home. Good luck.
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Jul 28, 2015 00:38
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Have you ever spent $350 or less on groceries in a month? Isn't this a little unrealistic?
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Jul 28, 2015 06:33
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moana posted:I would go back to your boss and explain that if there's no money for a raise, you'd like to work from home two days a week. Can't hurt to try, and employres are usually more amenable to that sort of thing.
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Jul 28, 2015 12:43
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Hawkgirl posted:Any reason why you can't share your methods now to talk it out? It'll be more powerful and interesting to share it visually, I think. Noted thanks. I've been making coffee at work instead of buying energy drinks, so that's one thing at least. We have a whole bag of coffee beans at home too, so we shouldn't even have to give that up. n8r posted:Have you ever spent $350 or less on groceries in a month? Isn't this a little unrealistic? We did $150 in December 2013. We'll just have to shop with that number in mind. Poor families can do it. When we were poor we definitely did it. It's just one month also. moana possibly. I don't know if I want another remote day. I'll consider it though.
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Jul 28, 2015 17:45
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Then why have you been looking for remote work..?
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Jul 28, 2015 20:15
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Knyteguy posted:We did $150 in December 2013. We'll just have to shop with that number in mind. Poor families can do it. When we were poor we definitely did it. It's just one month also. So once, a year and a half ago, before you had a baby. This episode is going to be good. https://www.youtube.com/watch?v=iYVO5bUFww0 edit: what did you spend the month before 12/13, and how much food was carried over? Inverse Icarus fucked around with this message at 20:32 on Jul 28, 2015 |
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Jul 28, 2015 20:23
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foxatee posted:Then why have you been looking for remote work..? I could justify getting my office a little more... officey if I got a remote job. My work space kind of sucks at home, so I don't really want to work there too much. I don't want to spend the money. That's really all there is to it. I've even been coming in on my remote days the past few weeks because of my work space. e: see you guys on the 1st for the envelope system.
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Jul 28, 2015 20:38
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Knyteguy posted:I'm more than open to a one-on-one where I can provide information privately. Knyteguy, your boss is not your friend and he does not have your best interests at heart. All you're showing him is that he has no need to give you a raise because you're still doing more and more work and supervising another employee and then wilting whenever he evades you about raises. Not to be too blunt about it but you're acting like a sucker and your boss is taking advantage of it. You're going to lock up and ignore everything I just said because you've decided the subject is nothing you want to hear about anymore, but your boss is not going to start giving you more money or let you work remotely more out of the goodness of his heart. That is not his job.
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Jul 28, 2015 20:43
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Knyteguy posted:No not this month. I've been thinking about this for awhile, and I talked it over with my wife, and I'm not committing to this budget forever, but for the month of August this is what I want to go with. I loving need to accomplish this for the sake of my sanity and self-confidence. I'll post more with one of the ways I intend to do that around the time I post the envelopes. I think it's great that you're fired up about cutting back on your expenses, but I personally wouldn't recommend limiting your restaurant budget so much. Moving to an envelope system will already be a big adjustment, why not see if you can make that work and come in at/under budget in all your flexible spending categories with realistic numbers before cutting back? That would be a far more useful outcome, in my opinion. You've had enough months where you've tried to meet arbitrary targets and failed, I think it's time to figure out what is realistic and works for you and then just live it for a while. I'd also strongly encourage rolling over category balances between months, so you have a way to accumulate savings in categories that don't have uniform costs each month and to see a cumulative benefit every time you come in under budget. For me, a system like this cuts right to the heart of the purpose of budgeting: money that I don't fritter away is quite visibly there waiting for me to put toward things I care about more. If you end up consistently in the hole in a given category, then your budget doesn't match your life and something needs to change. And that's OK: it's your life, your money. Budgets are just a tool to help you make spending decisions that match your priorities.
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Jul 28, 2015 22:25
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Knyteguy posted:I could justify getting my office a little more... officey if I got a remote job. My work space kind of sucks at home, so I don't really want to work there too much. I don't want to spend the money. That's really all there is to it. I guess if you can't control yourself about buying poo poo for the office, then it's a good idea. My husband was doing remote work five days a week for months and his office was his laptop and the kitchen table. 
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Jul 28, 2015 22:38
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foxatee posted:I guess if you can't control yourself about buying poo poo for the office, then it's a good idea. My husband was doing remote work five days a week for months and his office was his laptop and the kitchen table.
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Jul 28, 2015 22:52
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Cicero posted:Programming on just a laptop is pretty painful, in my experience. Having multiple screens is an enormous help. Yea all depends on the kind of work. If I'm firing off emails, sure. But for development even my two screens at work is kind of lacking. Kg I'm under my calorie goal today for the first time in weeks, I'm here to help keep you accountable.
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Jul 28, 2015 22:56
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Cicero posted:Programming on just a laptop is pretty painful, in my experience. Having multiple screens is an enormous help. He seemed to be doing just fine, though I'm sure he'd prefer dual monitors. I'm just saying that's a stupid reason, and such a minor sacrifice.
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Jul 28, 2015 23:18
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I'm kind of naive on the whole remote work thing, (human services field checking in, clients aren't going to come to my house) how exactly does working from home one or two days a week improve KG's finances? I guess it saves him a little bit of time, an hour or two a week. But he's still going to need child care during this working hours.
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Jul 28, 2015 23:21
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Robo Boogie Bot posted:I'm kind of naive on the whole remote work thing, (human services field checking in, clients aren't going to come to my house) how exactly does working from home one or two days a week improve KG's finances? I guess it saves him a little bit of time, an hour or two a week. But he's still going to need child care during this working hours. Save time, gas money, stress, fatigue (which leads to buying gas station energy drinks), etc Never eat lunch out, always have a cheap option available. Working from home, if you are able to, is very good with money (and life)
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Jul 29, 2015 00:40
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He'd also have more opportunity to keep the house clean, which certainly will help everybody in the house, considering he has a new baby. I don't remember if his sister watches his kid at his house or hers, but if it's at his, then he can pop in and see the little nipper from time to time. If it's at her house, then there's no longer the issue of rushing home for the drop-off time. But he doesn't want to talk about things that affect his business, finances, or career.
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Jul 29, 2015 01:21
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Old Fart posted:But he doesn't want to talk about things that affect his business, finances, or career. The bit I still don't get is he's all gung-ho about applying for a 100 different positions and going to heaps of interviews etc etc, but he won't even put a tenth of that effort into improving his current work situation out of some misplaced loyalty to his boss.
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Jul 29, 2015 01:35
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 Toxx fulfilled. They've got the money in them. Y'all are mistaking me. I don't want to talk about work because of some misguided loyalty or anything like that. I don't want to talk about work because I feel that the situation may be unique enough for someone to figure out where the hell I work. I'm trying to protect myself. Hence why I keep saying let's take it to PMs. Reasonable job things have been said that I completely agree with. Some are unique to my personal preference like working remotely, and some are not. Secondly I would LOVE to work remotely more, but the fact is I don't have the setup for it. 1) my desk is falling apart (literally), 2) My computer is nearing 8 years old and it's becoming unreliable 3) I need another monitor 4) My chair is a piece of crap and it hurts my back 5) The air conditioning doesn't work in here and it's summer in the desert and 6) Due to all of these things my productivity sucks at home. I do Universal App work which means what I create and write takes up the entire screen. It's a huge pain in the rear end trying to debug stuff on a single monitor, among other programming/productivity tasks like using OneNote concurrently, and RDPing into client's VMs. It's as dreese and Cicero mentioned (btw dreese keep at it man! I'm cheering for you too.) On top of all that my boss simply said that raises are delayed; not that I'm not getting one this year. There's still a chance and I'll bring it up once a month until I know more. I probably wrote "no raise this year" so that's my fault. Regarding the budget - I want to do it this way this month. I understand some things look like they'll be super hard, but gently caress it I like super hard. This is a trial that will put everything I've learned to the test. I will absolutely be changing these numbers when I successfully accomplish this. There's obviously doubters, but that's even more of a motivator for me to do this. I need to do this as I said before. I hate failing and there's been way too drat much of that in here, the biggest one being the charity. I understand that it looks like I may fail with such a skimp budget (skimp to my standards, but plenty of people do fine with similar), and if that's the case then I'll have to eat my words and everyone can continue having laughs at my expense. I have to try though. I have complete faith in those envelopes above, and I'm going to literally freeze my card so I can't go over the bounds of the budget without a lot of drat effort (which I wanted to display visually).
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Jul 29, 2015 04:37
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Oh since every post of mine seems to have edits at the bottom which drives me nuts, I'm going to double post. My wife and I mailed out the car principal payment. $1,800.
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Jul 29, 2015 04:43
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