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One thing I would say in KG's defense is he has had a kid in the last two years. Getting ready for a kid, and dealing with the massive life change that a kid brings on is tough. For a long time KG's choices and poor spending habits seemed like something he might just be on the very edge of being able to reform. Part of the reason so many people posted so much was that he just seemed one to two steps away from really getting it. Then came the Camaro and sweet gaming rig purchase. Those decisions indicated that KG cannot reform without professional assistance.
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Dec 18, 2015 22:25
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Faaaaaaaaaaaaaarrrrrrrrrrrrrrrrtttttttttttt. Fart.
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Dec 19, 2015 00:46
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Old Fart posted:Faaaaaaaaaaaaaarrrrrrrrrrrrrrrrtttttttttttt. Hey thanks for contributing to the discussion with such thoughtful posts over and over. Maybe you shouldn't get so invested in stranger's posts that you get SO upset that they didn't want to answer your prodding personal questions repeatedly for years. This especially true since you're giving advice when you self-admittedly really didn't have any financial skills at the age of the person whose thread you're posting in, and instead found a partner to take care of most of that for you. Even more so when you yourself are again self-admittedly guilty of some of the things that I am being advised against, such as reconciling instead of budgeting. Also good god man I'm 29 and you're pushing 40 aren't you? Maybe you should find something better to do than post fart noises like a juvenile on an internet forum. At least I'm getting paid to write this right now. IllegallySober posted:I don't disagree, but how do you intend to accomplish this? I don't have an answer to this yet, but I think it involves breaking the routine for a bit. OneWhoKnows posted:Two years of back and forth in this thread with people putting in a lot of effort to help you out just to say you're not ready. That's utterly disappointing. I'm guarding our savings right now, but I can't go back to trying to living in a minimalist way again. And I don't know that even if I could assuredly be 100% successful in doing so, if that's the choice I would make. Gotta figure out what I want again, but having some money in the bank won't hurt while I figure that out. That's my goal at the moment. Inept posted:You seem aimless and a bit lost. Therapy can help with that. Quit putting it off along with everything else that has been recommended. For sure. I am aimless and lost. Aagar posted:While we're on the topic of honest self reflection, I would ask yourself if this is really true. When you "used to be really strong," was it like how you used to be really involved in this thread (as n8r points out, your all or nothing)? I would ask yourself if in the past your "strength" was another period of big plans and big dreams that over the course of weeks/months/years either amounted to nothing or something well below what you were aiming for. There is all the difference between the conception and the follow through, as this thread has repeatedly demonstrated. Yeah I've noticed you haven't posted in awhile. Hope the twins are well. I was much more capable of enacting self-control in my young 20s. I was sober for 2 years (including my 21st birthday despite going to bars and casinos), I'd quit smoking for the first time for 9 months, and I was in peak physical condition from near daily gym use and martial arts classes. I was awful with money but I also had few financial goals. I probably wasn't an iron willed olympian or anything, but I was certainly capable. < 3 months? That's certainly doable  Nah I get what you're saying. I'm unable and unwilling to take on a 3 month under budget task right now.Duckman2008 posted:"honey, if I ever die, throw my body in the ditch, do whatever, just please make sure you let the random people on the Internet forums know I died." Well I'm sure she could use some financial advice at that point. Plus I want everyone to repeatedly tell HER to get to therapy if something happens to me. Clocks posted:I marathoned this thread over the past week or two as reading material, and, well, it's kinda nuts and sad at the same time. Just a bunch of random thoughts as I get to them: Yeah it's pretty much your last paragraph. I'm not ready to take the next steps as I've said. I think that's worth admitting, because that's supposed to be "the first step" or whatever to fixing problems. I'm not giving up, and I'm not using this time as an excuse to go spend more than we make every month like I used to either though. I want to continue at the pace we're at right now. n8r posted:One thing I would say in KG's defense is he has had a kid in the last two years. Getting ready for a kid, and dealing with the massive life change that a kid brings on is tough. For a long time KG's choices and poor spending habits seemed like something he might just be on the very edge of being able to reform. Part of the reason so many people posted so much was that he just seemed one to two steps away from really getting it. Then came the Camaro and sweet gaming rig purchase. Those decisions indicated that KG cannot reform without professional assistance. I'm not going to argue about the validity of the car. Yeah the PC was over the top. I appreciate the acknowledgement of the child and how it can affect my behavior, because it's hard. It's getting easier though. I really love being a dad actually. I'll answer questions every now and then, but I'm not committing to anything again until I'm ready. I think that will just lead to more disappointment at this time. Knyteguy fucked around with this message at 01:46 on Dec 19, 2015 |
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Dec 19, 2015 01:42
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There is nothing wrong with buying a car, there is something wrong with buying a car the way you did (not budgeted for) and the fact that it was a Camaro.
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Dec 19, 2015 01:50
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n8r posted:There is nothing wrong with buying a car, there is something wrong with buying a car the way you did (not budgeted for) and the fact that it was a Camaro. Duly noted on the car type, and I agree with the rest of your points. I was informed today again that I may go work for the company who I currently contract for. It will all be the same work with worse insurance (but we use my wife's insurance), and I was told I'd likely get a better package (a raise). I'm not sure what I'll do if there's no raise included. I was told that I was "needed" to work on stuff with that contract company, so I'll definitely fight for a raise or possibly move on. I should know more in the coming weeks either way. I was told my job is really safe (I didn't ask he just told me), so that is something to consider I suppose. I'll be out of town for the next 10 days for some Christmas stuff, so I wanted to throw that out there before I left. Knyteguy fucked around with this message at 03:01 on Dec 19, 2015 |
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Dec 19, 2015 02:56
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Knyteguy posted:Hey thanks for contributing to the discussion with such thoughtful posts over and over Fart.
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Dec 19, 2015 05:24
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Knyteguy posted:I was informed today again that I may go work for the company who I currently contract for. It will all be the same work with worse insurance (but we use my wife's insurance), and I was told I'd likely get a better package (a raise). I'm not sure what I'll do if there's no raise included. I was told that I was "needed" to work on stuff with that contract company, so I'll definitely fight for a raise or possibly move on. I should know more in the coming weeks either way. I was told my job is really safe (I didn't ask he just told me), so that is something to consider I suppose. I really suggest therapy, too. Its not a waste of money. You'll even enjoy it after a bit. Give it a go! Its like the gym, it sucks at first and becomes rewarding about a while.
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Dec 19, 2015 06:16
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Knyteguy posted:Hey thanks for contributing to the discussion with such thoughtful posts over and over. Maybe you shouldn't get so invested in stranger's posts that you get SO upset that they didn't want to answer your prodding personal questions repeatedly for years. This especially true since you're giving advice when you self-admittedly really didn't have any financial skills at the age of the person whose thread you're posting in, and instead found a partner to take care of most of that for you. Even more so when you yourself are again self-admittedly guilty of some of the things that I am being advised against, such as reconciling instead of budgeting. You get so loving offended by people doing what you asked them to do, ie hold you accountable. You are a giant loving baby. Maybe examine why you get so defensive all the time (hint: it's not because you have done anything worth defending!) Knyteguy posted:I was much more capable of enacting self-control in my young 20s. I was sober for 2 years (including my 21st birthday despite going to bars and casinos), I'd quit smoking for the first time for 9 months, and I was in peak physical condition from near daily gym use and martial arts classes. I was awful with money but I also had few financial goals. I probably wasn't an iron willed olympian or anything, but I was certainly capable. Sobriety and financial discipline have very little to do with self-control. Seek therapy, dummy. Knyteguy posted:Well I'm sure she could use some financial advice at that point. Plus I want everyone to repeatedly tell HER to get to therapy if something happens to me. Would she listen to us more than you do? GO TO THERAPY Knyteguy posted:I'm not going to argue about the validity of the car. Yeah the PC was over the top. Again, it's not the car, it's the type of car and the way you acquired it. And if you love being a dad so much why are you so resistant to the changes you should make so that you can actually be a GOOD dad?
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Dec 19, 2015 06:38
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Knyteguy posted:Hey thanks for contributing to the discussion with such thoughtful posts over and over. Maybe you shouldn't get so invested in stranger's posts that you get SO upset that they didn't want to answer your prodding personal questions repeatedly for years. This especially true since you're giving advice when you self-admittedly really didn't have any financial skills at the age of the person whose thread you're posting in, and instead found a partner to take care of most of that for you. Even more so when you yourself are again self-admittedly guilty of some of the things that I am being advised against, such as reconciling instead of budgeting. Your choice as to whether to light a candle or curse the darkness, dude, but frankly your overblown petulance in light of the fact that (after lying to people in the thread outright, playing shell games with your finances to try and save face, obfuscating pertinent information, constantly rebuffing good advice, and shirking the accountability you literally asked for in the first post) some people are sick of you failing to take accountability for your progress is really, really funny. People are frustrated by your superhuman ability to fail to change your attitude towards your situation, and if you can't take your life seriously why should they?
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Dec 19, 2015 10:41
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Both KG and Janus should be in therapy.
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Dec 19, 2015 14:01
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Breetai posted:Your choice as to whether to light a candle or curse the darkness, dude, but frankly your overblown petulance in light of the fact that (after lying to people in the thread outright, playing shell games with your finances to try and save face, obfuscating pertinent information, constantly rebuffing good advice, and shirking the accountability you literally asked for in the first post) some people are sick of you failing to take accountability for your progress is really, really funny. I disagree. Old Fart is being disrespectful and childish. If he rightfully feels that Knyteguy is beyond hope, then leave or just call him out directly. His current nonsense posts are nonsense.
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Dec 19, 2015 14:34
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John Smith posted:I disagree. Old Fart is being disrespectful and childish. If he rightfully feels that Knyteguy is beyond hope, then leave or just call him out directly. His current nonsense posts are nonsense. I may disagree with you in that other thread, by I agree with you here. Old Fart was doing the same thing in the slow motion thread I think, posting just "fart" over and over again. It adds nothing (and borders on gimmick given his name).
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Dec 19, 2015 16:06
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Nail Rat posted:Old Fart was doing the same thing in the slow motion thread I think, posting just "fart" over and over again. It adds nothing (and borders on gimmick given his name). That's kind of insane if he's actually like a 40 year old grown man like KG said.
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Dec 19, 2015 17:08
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You people are the worst. Stop enabling his bullshit.Knyteguy posted:Hey thanks for contributing to the discussion with such thoughtful posts over and over. Maybe you shouldn't get so invested in stranger's posts that you get SO upset that they didn't want to answer your prodding personal questions repeatedly for years. Pretty sure Old Fart didn't get upset about you not answering prodding questions. Pretty sure he got upset because he noticed an irregularity and it turned out you were lying to everyone about a massive purchase for weeks. Dude has been at this for years and still doesn't know how to budget. The correct response to any statement about how he is really gonna do it this time is faaaaaaaaart.
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Dec 20, 2015 09:18
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hitachi posted:You people are the worst. Stop enabling his bullshit. No. The correct response is silence or calling him out directly. Not childish immature bullshit.
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Dec 20, 2015 11:25
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I mean, I kindof get it? Old Fart's trying to recoup his costs after multiple years of investment proving to be futile. This is some people's version of the end of the Zaurg threads when it became apparent how little could be done. I'm not gonna say 'Who cares if its hurting instead of helping' but I don't think there's any helping that can happen now. As Knyteguy himself has just said. He's gotten what little he can from the thread, we're basically done with the 'help' portion. So now it's 'faaaaaaaaaart into the wind as the thread dies' time.
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Dec 20, 2015 15:35
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"Disrespectful and childish"? On a comedy forum? Gadzooks.
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Dec 20, 2015 23:49
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It's just kind of the equivalent of posting "gas" and nothing else. It adds nothing and it's not funny either. At least try to make a bad joke or something.
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Dec 21, 2015 02:28
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I simply don't know where to start. Are finances a craft or an art? He doesn't make changes, He just rearranges. Fa-a-a-a-a-a-art.
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Dec 21, 2015 04:41
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Nail Rat posted:It's just kind of the equivalent of posting "gas" and nothing else. It adds nothing and it's not funny either. At least try to make a bad joke or something. This is basically how Knyteguy has been posting for the last 4 months. I wish he'd at least make a bad joke or something.
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Dec 21, 2015 06:11
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Bugamol posted:This is basically how Knyteguy has been posting for the last 4 months. I wish he'd at least make a bad joke or something. The bad joke is his life.
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Dec 21, 2015 06:46
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You know what's better than farts? edit: Wow I didn't realise this thread had been in a coma. Oops
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Jan 4, 2016 12:36
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Paid off debt to the grandma. $677.51 total, $99.52/mo cleared up for other things.
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Jan 4, 2016 20:45
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Knyteguy posted:Paid off debt to the grandma. $677.51 total, $99.52/mo cleared up for other things. I really hope those "other things" are "paying down debt". How's your net worth looking? What's your "debt free" date now?
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Jan 4, 2016 20:47
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Horking Delight posted:I really hope those "other things" are "paying down debt". How's your net worth looking? What's your "debt free" date now? Look bro, the summit racing catalog ain't gonna buy itself. :mullet:
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Jan 4, 2016 20:51
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Horking Delight posted:I really hope those "other things" are "paying down debt". How's your net worth looking? What's your "debt free" date now? Indeed yeah. I'm not sure what the debt payoff date is right now. I started with the new ynab and I'm trying to follow the new methods, so I've been doing a lot of spending analysis to ensure we are truly prepared for future expenses that I've missed previously, such as Prime. I'm doing this by furthering our monthly breakdown of yearly expenses. When I get it right I'll have a better idea of what the date is. I'm also following (just started) Dave Ramsey's method. I jumped the gun a bit and impulsively paid off our grandma, because she gave us a $200 off deal for finishing it. I took it out of February's budget for debt paydown since we already have the money allocated for that purpose anyway, and we have the cash already as well since the budgeted money was made in December. Edit: However I am trying to break out of the habit of spending ahead of schedule. Knyteguy fucked around with this message at 22:05 on Jan 4, 2016 |
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Jan 4, 2016 21:21
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25% discount on that remaining debt is a pretty solid move to knock it out.
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Jan 4, 2016 21:32
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spwrozek posted:25% discount on that remaining debt is a pretty solid move to knock it out. Yeah. I just want to ensure I don't spend ahead of schedule again. I set some goals in the new YNAB, and I'm technically under the goal for the debt pay down fund for February now. I'm thinking of tackling the unsubsidized student loan next, but I'll need to speak with my wife first to see what consensus we come to.
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Jan 4, 2016 22:13
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Might be worth it to list out the debts and rates right now and run it by the thread once you think you have a solid plan and see if people agree.
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Jan 4, 2016 22:19
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spwrozek posted:Might be worth it to list out the debts and rates right now and run it by the thread once you think you have a solid plan and see if people agree. Alright will do.
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Jan 4, 2016 22:26
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Knyteguy posted:I'm also following (just started) Dave Ramsey's method. Sure doesn't sound like it.
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Jan 5, 2016 00:47
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MrKatharsis posted:Sure doesn't sound like it. How so? I budgeted a $1000 emergency fund today (ignoring the month ahead money we have) and paid off the smallest debt. I'm still new though so who knows. I've got more reading to do.
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Jan 5, 2016 02:23
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Therapy?
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Jan 5, 2016 06:25
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Dave Ramsey's baby step #2 clearly lays out the order in which to pay down the debt. If you're not sure, you're not on the method. Also, there is no spending ahead of schedule because you're on the envelope system.Knyteguy posted:I'm thinking of tackling the unsubsidized student loan next, but I'll need to speak with my wife first to see what consensus we come to. Knyteguy posted:Edit: However I am trying to break out of the habit of spending ahead of schedule.
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Jan 5, 2016 06:44
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MrKatharsis posted:Dave Ramsey's baby step #2 clearly lays out the order in which to pay down the debt. If you're not sure, you're not on the method. Also, there is no spending ahead of schedule because you're on the envelope system. I don't feel like it really matters. Let's just say I was using the terminology wrong and I'm not following it. n8r posted:Therapy? No. I'm 11 days sober though! That's big because my biggest/most problematic drinking night was by far Fridays. It was the one day that kept "pulling me back in". I can't find a therapist who sounds like someone I'd like to see. Reno is unfortunately still a small city. Budget: Top half  Bottom half  I've went about the new setup slightly differently. 1) I didn't include our HSA. 2) I didn't include the Corolla's value. 3) I didn't include the medical debt. Why? Well I don't care what our net worth is right now. I care about getting out of debt, and then I can focus on the fun stuff. Medical debt I won't be paying, as it falls off next year. Credit cards are just used instead of a debit card by me since my debit card was reported stolen. They've been paid off monthly before interest hits since we've had them. Some big things coming up: Tax returns. I've some some rough estimating and we may be getting like $1,000 back. Here's my taxes as of my last paycheck last year:  Supposedly a bonus in March in lieu of a raise. That bonus will definitely dictate my future at this company. Knyteguy fucked around with this message at 20:52 on Jan 5, 2016 |
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Jan 5, 2016 20:50
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Knyteguy posted:No. I'm 11 days sober though! That's big because my biggest/most problematic drinking night was by far Fridays. It was the one day that kept "pulling me back in". This is good. What concrete mechanisms do you have in place to keep you from drinking? (not just "I won't") Knyteguy posted:I can't find a therapist who sounds like someone I'd like to see. Reno is unfortunately still a small city. Won't know until you sit down and talk to one, not just browsing the Internet or phone book for one. Go see one or two or three and then decide which you'd like to continue seeing. You're simply deflecting the issue. Knyteguy posted:Budget: I'm still on YNAB 4 so I'll let someone on nYNAB tackle this. Knyteguy posted:I've went about the new setup slightly differently. When "next year" does the medical debt fall off? Is the possibility there that they could still come after you for this before then and if so do you have a plan to deal with it? Knyteguy posted:Credit cards are just used instead of a debit card by me since my debit card was reported stolen. They've been paid off monthly before interest hits since we've had them.  Order another debit card? Like a regular person would? Stop using the credit cards. If you truly don't need the credit don't give yourself the opportunity to backslide.Knyteguy posted:Some big things coming up: Good. What is your plan for the tax return? Knyteguy posted:Supposedly a bonus in March in lieu of a raise. That bonus will definitely dictate my future at this company. I feel like I've heard this one since the thread began.
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Jan 5, 2016 21:43
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Is it correct to say you've used 90% of your eating out dollars as of the end of Monday?
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Jan 5, 2016 21:44
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I haven't looked at your budget yet, too busy at work. But I wanted to say/ask 4 things: - Congrats on alcohol free, KEEP IT UP! - Why did you randomly start following dave's plan? - How's the workout going? - Seek therapy. It's good stuff! Also good to see you back in the thread!
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Jan 5, 2016 22:25
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IllegallySober posted:Won't know until you sit down and talk to one, not just browsing the Internet or phone book for one. Go see one or two or three and then decide which you'd like to continue seeing. You're simply deflecting the issue. Lot of good from IllegallySober here, but I'd really love to hear your thought process on this more. Gonna personal dump for a second! I am currently in the process of seeking out a therapist. I'm coming off of two years of a lot of good major life events and one big bad one. Mostly positive, and I'm happy most every day! But I want to process that with someone and make sure there's not something I'm not dealing with. Because even if the outcome is being told my mental health is fine, that doesn't make the time spent a 'waste.' I'm not gonna know going in what a therapist would tell me! Which is why I want to go. You've had a lot of major life events during the life of this thread, and you've told the thread you've felt depressed and un-motivated and overwhelmed, and I'd really like to know why you wouldn't want to seek therapy. Hell, get into therapy and just don't tell the thread if it's specifically not wanting to talk to us about it, which I guess is the shadow-game bullshit I hope is going on, not avoidance.
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Jan 5, 2016 23:43
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What about this change is strategy will work when your other attempts have failed? A change in budgeting strategies and a promise to stay sober are both things that have failed multiple times in the past. The next most logical step is to seek professional assistance.
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Jan 6, 2016 02:54
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