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Pryor on Fire posted:Good job Dogfish, we don't normally allow this around here but we're gonna grant an exception for you: go ahead and buy yourself a shiny new car. Something fun you've always wanted. Treat yourself, get a baller package, who loving cares. Enjoy it. Whoa whoa whoa, lets not get nuts here. It sounds like he finally has a positive net worth for once in his life. Now is not the time to piss that all away. I'm thinking a better reward would be a nice dinner out, or a video game.
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Oct 25, 2016 00:39
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Rick Rickshaw posted:a nice dinner out, or a video game. No need to go so lavish- how about a fresh pair of socks and underwear?
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Oct 25, 2016 01:41
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Don't get too crazy. Get yourself some new toothpicks. Splurge for the Mint flavored ones if you've really got a wild hair.
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Oct 25, 2016 02:48
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Pryor on Fire posted:Good job Dogfish, we don't normally allow this around here but we're gonna grant an exception for you: go ahead and buy yourself a shiny new car. Something fun you've always wanted. Treat yourself, get a baller package, who loving cares. Enjoy it. That's a ban Rick Rickshaw posted:Whoa whoa whoa, lets not get nuts here. It sounds like he finally has a positive net worth for once in his life. Now is not the time to piss that all away. Moneyball posted:No need to go so lavish- how about a fresh pair of socks and underwear? SpelledBackwards posted:Don't get too crazy. Get yourself some new toothpicks. Splurge for the Mint flavored ones if you've really got a wild hair. All banned
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Oct 25, 2016 03:14
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Guys. Guys. If you think I'd give up my 2009 pre-owned Honda Civic for anything, you're crazy. Crazy! It has a storage compartment IN THE FRONT CONSOLE! You could keep anything in there!!Moneyball posted:No need to go so lavish- how about a fresh pair of socks and underwear? The temptation to add a 12-pack of sensible ladies' cotton briefs to my Costco list is ALMOST overwhelming, but... pig slut lisa posted:All banned Can't risk it.
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Oct 25, 2016 03:59
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pig slut lisa posted:All banned I would spend the time typing out a defence, but I would waste precious food calories that must be conserved, lest I blow my calorie budget for the week.
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Oct 26, 2016 00:21
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Got the news recently that she's expecting twins in May instead of just the one more we were planning for. Finances are the least of our concerns, she can still take a whole year off of work like we did for the first kid. We are already on track to buy a nice used minivan cash in February/March, just in time to fit 3 carseats for a while.  Speaking of carseats, gotta buy a few more of those...bye bye bonus money. e: I can also probably get a discount on the vasectomy from the wife's urology doctor friend!
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Oct 26, 2016 18:53
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devmd01 posted:I can also probably get a discount on the vasectomy from the wife's urology doctor friend! New thread title?
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Oct 26, 2016 19:46
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I just built myself a new computer without using a credit card (or if I did, I paid off the balance within days). As I've been reinstalling programs that I used to torrent, I've actually been purchasing them all for the very first time. I even bought my copy of Windows. Feels good to not have to pirate everything.
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Oct 27, 2016 05:14
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...even winrar?
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Oct 27, 2016 12:13
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FateFree posted:...even winrar? I use 7-Zip 
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Oct 27, 2016 15:08
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With this check submitted, we will officially not have any credit card debt subject to interest. We still have quite a bit of debt hanging around on cards, but all of it has been either paid in full or stashed away somewhere with no interest or fees.
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Nov 2, 2016 07:18
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EAT FASTER!!!!!! posted:With this check submitted, we will officially not have any credit card debt subject to interest. We still have quite a bit of debt hanging around on cards, but all of it has been either paid in full or stashed away somewhere with no interest or fees. I missed this when you originally posted, but congrats- this is awesome. Can't wait to get there myself sometime next summer! 
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Nov 19, 2016 19:59
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Paid off my student loans yesterday. Took two years almost to the day. I am now 100% debt free
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Nov 21, 2016 06:33
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numerrik posted:Paid off my student loans yesterday. Took two years almost to the day. That's incredibly awesome 
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Nov 21, 2016 06:52
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numerrik posted:Paid off my student loans yesterday. Took two years almost to the day. Nice job!
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Nov 21, 2016 16:03
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Just finalized a promotion with a new title and ~12% salary increase. 
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Nov 23, 2016 02:59
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Guinness posted:Just finalized a promotion with a new title and ~12% salary increase. Way to go! That's awesome!
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Nov 23, 2016 03:48
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Pretty  sweet.
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Nov 23, 2016 04:06
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Nice work on the no loans, super nice work on the raise. Always make sure your raise doesn't just grow your spending though!
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Nov 23, 2016 18:45
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EAT FASTER!!!!!! posted:super nice work on the raise. Always make sure your raise doesn't just grow your spending though! Most definitely good advice. Fortunately it won't be a problem, I'm already saving about 40-45% of gross. I'll continue to keep about that savings rate, and enjoy the difference. 
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Nov 23, 2016 20:34
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I hit 40k net worth this last friday after many years of being poor as poo poo. still have a long way to go as I'm in my early 30s now but the way this graph is looking lately makes me real happy.
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Nov 27, 2016 06:38
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foxy boxing babe posted:I hit 40k net worth this last friday after many years of being poor as poo poo. still have a long way to go as I'm in my early 30s now but the way this graph is looking lately makes me real happy. That trend line is sweet! Congrats!
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Nov 27, 2016 07:17
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Changed my auto and home insurance today, will save me $515 next year for same/better coverage  I also submitted my request to my lender to remove escrow from my mortgage, I could never find an escrow statement to see if payments were made on time (get discounts for property taxes if they're paid early) and to me it was kind of a black box. I'd rather just build that into my budget and pay an extra ~3 bills per year.
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Nov 29, 2016 22:16
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After sitting in limbo for what felt like forever, I finally got a start date for my new job. It'll be so nice to have a steady paycheck again, and escaping the midwest is just an added bonus.
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Nov 30, 2016 02:40
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TNO posted:After sitting in limbo for what felt like forever, I finally got a start date for my new job. It'll be so nice to have a steady paycheck again, and escaping the midwest is just an added bonus. Congrats on the new gig! Hope you love it. I sent in my final car payment this morning! Paid it off 2 years early and am now debt free. Frees up $400 or so a month. Stoked.
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Nov 30, 2016 16:01
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spinst posted:Congrats on the new gig! Hope you love it. Congratulations on getting rid of that payment! Now to buy a new car, right? 
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Nov 30, 2016 19:57
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dreesemonkey posted:
This is interesting, will most lenders support removing escrow? Are there unique requirements to qualify for this with your lender?
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Nov 30, 2016 23:48
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sweet_jones posted:This is interesting, will most lenders support removing escrow? Are there unique requirements to qualify for this with your lender? My lender (a rad credit union, if it matters) only had the requirement of being 80% LTV, so pretty much just like removing PMI. All I had to do is fax a letter requesting the escrow to be closed and presumably they're working on it now. I believe I read somewhere that FHA loans are required to carry escrow for the life of the loan (I have a conventional mortgage).
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Dec 1, 2016 14:08
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All it took was a letter and a $200 check once we hit 20% LTV, and they refunded $100 of that 2 months later. Took off $20/mo or something like that, well worth taking the effort.
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Dec 1, 2016 22:56
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I cut $63 in dumb cable costs and unused gym fees out of my monthly budget today e: and got Verizon to refund a bullshit $15 overage fee
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Dec 2, 2016 20:28
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EAT FASTER!!!!!! posted:Congratulations on getting rid of that payment! Now to buy a new car, right? I hope not! My car is in great shape for being 7 years old. Only has 63k miles! I'm driving this puppy for a long time, I hope. (Though I am putting ~200 bucks away a month for repairs/eventual new car.)
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Dec 3, 2016 18:35
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It's the very definition of incremental improvement, but my wife and I both work at the same local government agency. We were approved for raise/cost of living increase this year for 5% overall. Doesn't sound like much, but it works out to about ~$290 net per month, which is great considering we're living pretty comfortably as it is. In fall 2017 my oldest will be starting school which will save us another ~$500/mo on daycare as well. There will be a supervisor position opening early 2017 which I will be applying for, the immediate pay increase wouldn't be much but I'd eventually max-out about 15% more. We'll see what happens.
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Dec 22, 2016 15:07
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dreesemonkey posted:It's the very definition of incremental improvement, but my wife and I both work at the same local government agency. We were approved for raise/cost of living increase this year for 5% overall. Doesn't sound like much, but it works out to about ~$290 net per month, which is great considering we're living pretty comfortably as it is. In fall 2017 my oldest will be starting school which will save us another ~$500/mo on daycare as well. The great idiocy of many people in my generation is to sum these numbers up and decide they mean "nothing." Very nicely done, and keep up the good work.
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Dec 22, 2016 20:11
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dreesemonkey posted:It's the very definition of incremental improvement, but my wife and I both work at the same local government agency. We were approved for raise/cost of living increase this year for 5% overall. Doesn't sound like much, but it works out to about ~$290 net per month, which is great considering we're living pretty comfortably as it is. In fall 2017 my oldest will be starting school which will save us another ~$500/mo on daycare as well. I work for a local gov't too (one that's in pretty good financial shape) and our COLAs have been 2.5% the past few years with a max performance raise of 1.5% (although even top performers end up getting around 1%). Well done!
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Dec 23, 2016 03:01
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EAT FASTER!!!!!! posted:The great idiocy of many people in my generation is to sum these numbers up and decide they mean "nothing." Very nicely done, and keep up the good work. Thanks! Sometimes it's hard to stay positive while we're no where near "max 401k / Roth" money, but there is something to be said for thoughtful planning and spending at all income levels. Don't get me wrong, we're more than double the national median income in a low cost of living area so we're not exactly going hungry. It's just 15 year mortgage and kids in daycare and Roth/529 adds up to about half our net pay. But short term pain will make paying off our house and kids out of daycare so so sweet. pig slut lisa posted:I work for a local gov't too (one that's in pretty good financial shape) and our COLAs have been 2.5% the past few years with a max performance raise of 1.5% (although even top performers end up getting around 1%). Well done! Ours is a little different, even from other local government agencies around here. We have a pay steps A-Q for each payscale code 35, 38, 41, 43, etc. And assuming our annual reviews are positive enough, we get a pay step increase (41A->41B or 35L->35M or whatever) maxing out at Q. They're 2.5% steps, and we got a 2.5% COLA this year so it was a good year. There has been some talk about going to variable performance-bases merit increases, but I doubt it'll happen.
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Dec 23, 2016 14:16
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As far as incremental improvements BFC, how did everyone do with the holidays? We overspent but not by more than $100, which I consider to be a resounding success.
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Dec 23, 2016 15:42
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EAT FASTER!!!!!! posted:As far as incremental improvements BFC, how did everyone do with the holidays? We overspent but not by more than $100, which I consider to be a resounding success. I didn't have many people to buy for this year. I set a $200 budget and still have about half of that left for last-minute gifts so I think I did good
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Dec 23, 2016 16:12
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EAT FASTER!!!!!! posted:As far as incremental improvements BFC, how did everyone do with the holidays? We overspent but not by more than $100, which I consider to be a resounding success. I ended up buying a house :|
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Dec 23, 2016 17:21
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EAT FASTER!!!!!! posted:As far as incremental improvements BFC, how did everyone do with the holidays? We overspent but not by more than $100, which I consider to be a resounding success. I switched to a slightly less expensive cell phone plan, they lost my order, reimbursed my phone, sent me another, and reimbursed the phone I bought out of the store. (If anyone wants a new iPhone, pm me) I've cut down on eating out by bringing my lunch most days, and stopped going over my coffee budget by reading at home more. I also have some contract work coming in on the side that will have a higher hourly than my salaried job. December has been pretty good. Might splurge and buy a game that's on sale on steam. Maybe not though. 
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Dec 23, 2016 18:48
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