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Notorious b.s.d. posted:if you can't afford to save $20k, you can't afford your current lifestyle. full stop. start making cuts. there's a lot of people who can't save $20k and have nothing more to cut. idk lmo's budget or anything but she seems smart enough to budget and I don't see a point in going "you're doing it wrong" based on her posts complaining about debt?? I get annoyed when people try to explain finance to poor people though is there a term for that, like with mansplain? cause I see it a lot
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Feb 1, 2017 02:03
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Aquarium of Lies posted:there's a lot of people who can't save $20k and have nothing more to cut. idk lmo's budget or anything but she seems smart enough to budget and I don't see a point in going "you're doing it wrong" based on her posts complaining about debt?? I get annoyed when people try to explain finance to poor people though https://www.youtube.com/watch?v=eJoBUBYs0N8
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Feb 1, 2017 02:25
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Aquarium of Lies posted:there's a lot of people who can't save $20k and have nothing more to cut. idk lmo's budget or anything but she seems smart enough to budget and I don't see a point in going "you're doing it wrong" based on her posts complaining about debt?? I get annoyed when people try to explain finance to poor people though lmo isn't poor. she's gainfully employed in a lucrative occupation
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Feb 1, 2017 02:28
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touching computers for money is, by and large, a pretty good deal.
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Feb 1, 2017 02:34
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poorsplain i suppose
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Feb 1, 2017 03:23
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Notorious b.s.d. posted:lmo isn't poor. im functionally poor. sorry i came in to this with more baggage than you apparently did?
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Feb 1, 2017 03:56
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if you touch computers and can't save 20k you are Bad With Money™
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Feb 1, 2017 04:16
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Cold on a Cob posted:i wonder who has the highest net worth in yospos. is threefive still around or did he finally ragequit forever? can't remember his name now the magnets guy he's fairly high up in Facebook so I imagine the equity has treated him well
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Feb 1, 2017 04:53
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LeftistMuslimObama posted:im functionally poor. sorry i came in to this with more baggage than you apparently did? mishaq posted:if you touch computers and can't save 20k you are Bad With Money™ wrong take-aways the intended message is that you absolutely can save $20k, and you definitely should strive to have several months of wages in the bank, even if it means you're not chipping away at the debt at a reasonable speed, or you can't do as many cool things as you'd like get savings first, deal with other money poo poo later having an emergency fund is important
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Feb 1, 2017 05:10
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LeftistMuslimObama posted:im functionally poor. sorry i came in to this with more baggage than you apparently did? i used to think that because i was cheap and because i grew up on canned goods that i knew how to handle money holy poo poo this is not true
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Feb 1, 2017 05:11
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Rex-Goliath posted:can't remember his name now the magnets guy he's fairly high up in Facebook so I imagine the equity has treated him well is that subjunctive? because he left facebook last year afaik but i didnt stalk him to find out what hes doing now.
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Feb 1, 2017 05:11
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also how big can the minimum really be on $75k in debt? at 9% interest, paying it off in 120 months, that works out to $950 a month.
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Feb 1, 2017 05:12
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Notorious b.s.d. posted:also how big can the minimum really be on $75k in debt? it's across 4 loans and it's also the personal loan i took out to consolidate all the credit cards i racked up feeding myself for 5 years of college. even working 4 jobs it was really hard to make rent, pay my bills, eat, and go to school  we really are trying to save, it's just hard to balance with keeping up with everything else. this is the first year we've had net savings but it's not really long-term savings since we need about 40k total for both IVF and GCS since our health insurance won't cover it. the price of being a queer in the us of a.
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Feb 1, 2017 05:17
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Shaggar posted:Learn this one weird trick to get your finances in order! Creditors hate this!!!! Unironically this. Is your household grosses 50k or more, and you can't save 20k over a few years, you aren't poor, you are poo poo with money.
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Feb 1, 2017 06:02
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LeftistMuslimObama posted:is that subjunctive? because he left facebook last year afaik but i didnt stalk him to find out what hes doing now. yes! i knew it started with an 's' but 'sagebrush' was all my brain was offering up
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Feb 1, 2017 06:05
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not gonna comment on your financial situation but i will reiterate the absolute need to have a nest egg. fortunately i learned that lesson the hard way when i was still really young and crashing on a friends couch with nothing to eat but rice & beans for several months wasn't too big a deal.
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Feb 1, 2017 06:07
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Notorious b.s.d. posted:wrong take-aways surely its more financially efficient to buy some sort of unemployment / financial emergency insurance and use the money for the debt. you can cancel it and actually save the money later
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Feb 1, 2017 12:18
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LeftistMuslimObama posted:it's across 4 loans and it's also the personal loan i took out to consolidate all the credit cards i racked up feeding myself for 5 years of college. even working 4 jobs it was really hard to make rent, pay my bills, eat, and go to school ivf = in vitro fertilization? what's gcs?
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Feb 1, 2017 13:21
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Cold on a Cob posted:ivf = in vitro fertilization? genetic cancer susceptibility (testing)
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Feb 1, 2017 14:44
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Cold on a Cob posted:ivf = in vitro fertilization? gender confirmation surgery: aka the thing i have to get so my lovely state won't send me to a men's jail if i'm ever in trouble.
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Feb 1, 2017 14:58
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ah, ok i'm not saying you shouldn't do those things but how young are you and can you put these things off until you have a few months $ put away? homeless people are a lot more likely to end up in jail question is rhetorical you don't have to answer just saying maybe think about it
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Feb 1, 2017 15:05
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offer letter in hand, $7k bump on my current base.  walking away from a very aggressive bonus structure designed to keep me here but gently caress this place, my boss is a loving moron and I'm tired of being The Guy for drat near everything.
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Feb 1, 2017 17:27
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I should probably have expected that my relocation bonus would have been taxed in hindsight
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Feb 1, 2017 18:51
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there's too many technical interview guides, books, websites, courses (well, algorithms and data structures ones), etc. out there. Choose one for me
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Feb 1, 2017 18:57
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I've heard good things about cracking the coding interview from friends, but haven't used it myself
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Feb 1, 2017 19:00
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Aquarium of Lies posted:I've heard good things about cracking the coding interview from friends, but haven't used it myself it's a great source of practice problems if you have comp sci fundamentals down. if you don't, start somewhere else. it doesn't cover things in enough detail to actually fill in knowledge gaps imo.
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Feb 1, 2017 19:08
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I've been working for 17 months now and pretty much have enough to pay off the last year of my mum's mortgage for her and have enough left for a 10℅ deposit on any place that I could afford a mortgage on. My plan is to move out in a few months, but I know I'll get promoted this time year so don't know it's worth doing another year of saving and then skidaddle when my salary is higher
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Feb 1, 2017 19:24
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save as much money as you can and live cheap for as long as you can not a day goes by when i don't wish i could redo my 20s and save more
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Feb 1, 2017 19:36
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subscribe to the pillow pants budgeting service
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Feb 1, 2017 19:37
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Cold on a Cob posted:save as much money as you can and live cheap for as long as you can same. i'm pretty sure just having a dog while still renting cost us at least 20k in extra rent costs over 4 years because of needing a yard and all.
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Feb 1, 2017 19:39
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I like dogs
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Feb 1, 2017 19:43
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BONGHITZ posted:I like dogs they're ok but holy poo poo don't get one if you're renting.
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Feb 1, 2017 19:44
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dragon enthusiast posted:I should probably have expected that my relocation bonus would have been taxed in hindsight Most relocation packages (including cash awards) are usually tax trued up basis so it should have no tax implication. Sorry your company sucks?
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Feb 1, 2017 20:24
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saving money is good, a++ i recommend getting paid deece figgies for computer touching and then saving half of them
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Feb 1, 2017 20:33
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subjunctive is a VC now (in canada I think) that spends a lot of time countering peoples (honestly misinformed) opinions on how some VCs do business in the D&D tech thread ive reached a strange point in looking over resumes now where I can pick up on the possibility of someone being mormon, which seems like a really weird pattern to notice 
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Feb 1, 2017 20:50
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Valeyard posted:10℅ 
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Feb 1, 2017 21:00
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lancemantis posted:subjunctive is a VC now (in canada I think) that spends a lot of time countering peoples (honestly misinformed) opinions on how some VCs do business in the D&D tech thread if they mention being an eagle scout on their resume, bingo
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Feb 1, 2017 21:01
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Progressive JPEG posted:if they mention being an eagle scout on their resume, bingo its this, plus going to school or having lived in utah (BYU is kind of cheating), mentioning missionary work
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Feb 1, 2017 21:02
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The office usually closes for like 4 days at Christmas, sometimes it's given as bonus holiday time and sometimes you have to take is holiday/unpaid time. Several people were in a panic over potentially having to give up 4 days worth of pay, like how tight is that budget
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Feb 1, 2017 21:49
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DuckConference posted:The office usually closes for like 4 days at Christmas, sometimes it's given as bonus holiday time and sometimes you have to take is holiday/unpaid time. man my place basically shut the gently caress down from the week of the 12/19 until 1/9 the office was desolate, no changes were pushed, only emergency break fix stuff happened
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Feb 1, 2017 22:09
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