AreWeDrunkYet posted:

https://twitter.com/Billbrowder/status/925416890750652416

BWM? GWM? Hard to say.

quote:

TIFU by panic buying almost £1,000 worth of concert tickets

This did happen today and I am trying not to think about it because thinking about it is making me lightheaded and nauseous.

Today started great. I got up early and went for a run, came home and had a nice breakfast.

My plans for this evening were to enjoy a rare solo night in, with a couple of beers, carving my pumpkin for Halloween and listening to stuff my husband hates but I love so I never get to listen to it.

I don't have to work this weekend; I'm going to a Halloween party on Saturday night and to watch the Wickerman at the cinema on Sunday. A lovely spooky weekend I thought.

Everyone I know is a massive Flight of the Conchords fan so we were all super excited when we heard they were coming to the UK on tour, especially my husband who said he would pay anything to go.

Tickets were due to go on sale this morning but I'd forgotten until I was pulling up outside work that they had gone on sale.

My sister rang me super excited and I started freaking out that we would miss them. I ran to my desk, switched on my PC and waited an agonisingly long time for it to start up.

I finally got it fired up and clicked the link for Leeds Arena - but of course they had already sold out. Gutted. But I was still in panic mode and adrenaline was pumping. I wasn't going to be beaten.

I googled where to get tickets and Stubhub came up. I haven't used it before so I didn't realise it was one of these sites where people buy tickets and then sell them on for hugely ramped up prices.

Stubhub had four tickets on the eighth row for £150 each. Bum clenchingly expensive but my panic addled brain rationalised that if I bought them on my credit card we could pay in instalments and it would definitely be affordable, especially for such great seats.

I selected four tickets and the amount came up - £750. This included £100 in service fees and £20 in tax.

By this point I was maniacally texting everyone asking what they wanted to do. Nobody was coming back to me and the countdown clock was putting me under pressure to buy these amazing seats. gently caress it I thought. I pressed buy.
I texted everyone to let them know what I'd done, thinking they would all agree £180 (including the charges) was A LOT, but * It's affordable if we pay monthly * It's only money * We've been desperate to see them for years * life is for living.
Nope.

Four people who'd previously said they wanted to go flat out refused and said I was mental.

And my husband, who remember had told me he would pay anything to go, rang me shouting 'WTF have you done?'

It turns out "anything" actually means the face value of the tickets.

As the day is wearing on, the reality of what I have done has been slowly sinking in. The only time I have ever spent this much money in one go was on my car and my house.

To top it all off, I paid for the tickets on our joint credit card which we've been trying to pay off for months and months so we can save to move house.

I've relisted them on Stubhub but because of the astronomical fees I have had to hike up the price even more, just to break even. I don't know how this stuff works but I imagine the more time goes by, the less likely I am to be able to sell them.

So now I am stuck with almost a grand's worth of Flight of the Conchord tickets which nobody wants and my chilled out Halloween weekend is ruined because I am having constant intrusive thoughts about what the gently caress am I going to do with these tickets.

TL;DR - I need to chill the gently caress out when trying to buy concert tickets

quote:

Surely £1000 of drugs is far less of a waste of money than this

Devian666 posted:

Drunk Tomato posted:

From Reddit, the font of infinite content...

I gross almost $13,000/month and it seems like I rarely have any money.

You would think I could "make it rain" with my salary but I can't. When people hear how much I make, they think I'm super rich. We live in a modest home, I drive a modest truck. The wife has a SUV. In reality, I get about half of that money because

A. Taxes are a bitch

B. I put 15% into my 401K

C. My family insurance is $800/month

You can also add $1,400/month for child support because I was married before and had two children. I remarried to a woman who had a child from a previous marriage whom I adopted, and we have two together. Our mortgage+home insurance is $1,400. My wife's vehicle note is $700. Luckily mine is paid off. Private school tuition for 2 kids is $1,000/month. Add in food, electricity, cell phones, car insurance and other odds and ends(soccer, dance), we're lucky to have a couple hundred dollars left over. We rarely eat out, don't have all the latest gadgets. Wife stays at home with the baby so she's unable to work(and daycare costs are outrageous).

I don't know why I'm posting this. I guess to vent. Maybe someone could point me in any direction, or words of encouragement?

KingSlime posted:

Here's another first world problem for ya

Why go through all the trouble of copying and pasting everything, throwing in some formatting and all that, while forgetting to include a link to the actual post? Reading others' replies (and op's responses) is often the real meat of those posts

Droo posted:

Here you go.

https://www.reddit.com/r/personalfinance/comments/7a4oaf/i_gross_almost_13000month_and_it_seems_like_i/

code:

Gross pay(semi monthly)- $6,430
Net pay(after 401k, insurance)- $3,360
Monthly net- $6,720
Child Support-$1,400
Mortgage- $1,400
Vehicle- $700
Car insurance- $200
Private School- $1,000
Electricity-$250
Water-$50
Cable(TV,Internet)-$200
Cell- $150
Food- $700
Soccer-$50
Dance- $100
Gas-$200
That leaves us with around $300

Drunk Tomato posted:

From Reddit, the font of infinite content...

I gross almost $13,000/month and it seems like I rarely have any money.

You would think I could "make it rain" with my salary but I can't. When people hear how much I make, they think I'm super rich. We live in a modest home, I drive a modest truck. The wife has a SUV. In reality, I get about half of that money because

A. Taxes are a bitch

B. I put 15% into my 401K

C. My family insurance is $800/month

You can also add $1,400/month for child support because I was married before and had two children. I remarried to a woman who had a child from a previous marriage whom I adopted, and we have two together. Our mortgage+home insurance is $1,400. My wife's vehicle note is $700. Luckily mine is paid off. Private school tuition for 2 kids is $1,000/month. Add in food, electricity, cell phones, car insurance and other odds and ends(soccer, dance), we're lucky to have a couple hundred dollars left over. We rarely eat out, don't have all the latest gadgets. Wife stays at home with the baby so she's unable to work(and daycare costs are outrageous).

I don't know why I'm posting this. I guess to vent. Maybe someone could point me in any direction, or words of encouragement?

KingSlime posted:

Here's another first world problem for ya

Why go through all the trouble of copying and pasting everything, throwing in some formatting and all that, while forgetting to include a link to the actual post? Reading others' replies (and op's responses) is often the real meat of those posts

NUKES CURE NORKS posted:

Oh wow look how much my life sucks

quote:

Poor OP, paying for private school and an SUV that costs more than a minimum wage earner lives on for an entire year. It's just so hard to get by. After all the money he spends on food and luxuries for his family he barely has enough for.. even more loving luxuries. The poor thing.

Bird in a Blender posted:

Isn't the 401k limit $18,000 per year? That's what google tells me. 15% of $13,000 is $23,400 for the year, so that's $5,400 I just saved this guy. Unless he's counting 401k plus Roth IRA, I think that would cover both. Again though, if his employer matches anything at all into his 401k, he could be putting in less money per month. He may actually be hurting himself there. I had a boss who was trying to max out his 401k and was dumping tons of money in per paycheck. Our employer did a match, and would deposit money every month. My boss reached the limit in November. Well once you reach your limit, the employer also can't match anything, so he lost out on some matching money. Our employer also gave out 401k bonuses, but if you hit your limit, you couldn't take that money either.

Private school tuition at $500 per month per kid is a steal too.

Bird in a Blender posted:

Private school tuition at $500 per month per kid is a steal too.

Devian666 posted:

He has everything he wants with some money left over each month. The car that's being paid off will eventually be paid off and the same goes for the house. Then add on a comfortable retirement and he's still complaining.

This comment sums up the situation pretty well.

Bird in a Blender posted:

Isn't the 401k limit $18,000 per year?

Colin Mockery posted:

EDIT: Also, I’m not sure he qualifies for a Roth IRA. The income restriction is per person, not household, right?

Drunk Tomato posted:

First world butthead

Bird in a Blender posted:

Isn't the 401k limit $18,000 per year? That's what google tells me. 15% of $13,000 is $23,400 for the year, so that's $5,400 I just saved this guy. Unless he's counting 401k plus Roth IRA, I think that would cover both. Again though, if his employer matches anything at all into his 401k, he could be putting in less money per month. He may actually be hurting himself there. I had a boss who was trying to max out his 401k and was dumping tons of money in per paycheck. Our employer did a match, and would deposit money every month. My boss reached the limit in November. Well once you reach your limit, the employer also can't match anything, so he lost out on some matching money. Our employer also gave out 401k bonuses, but if you hit your limit, you couldn't take that money either.

Private school tuition at $500 per month per kid is a steal too.

n8r posted:

Betcha he describes himself as middle class.

edit: $1000/month for private school for two kids is pretty drat "cheap"

Very good chance his kids would be getting a better education by choicing them into whatever is the best school in the area and gaming the system so they get into the gifted programs.

quote:

My gf and I went to petland to get a puppy. We didnt have any money to put down but we were willing to finance if necessary. We found a dog we thought was perfect but it had a fat 2 grand price tag. We decided we could afford to pay it off if the monthly fee and interest was low. Of course the sales man at petland was talking like a car salesman attempting to get us in and out as soon as possible. He found a financing company that would loan us 3000 and he told us it would be 174 a month. Okay that is doable. I went to computer and my dumb rear end e-signed a document taking his word for it. So fast forward to today, we have our puppy and we love her to death but I was charged two payments in one month that was automatically taken out when I got paid (since I get paid biweekly). I call the finance company and they informed me I agreed to biweekly payments...well that sucks but at least we will have her paid off sooner. I had the rep email me the contract and once I recieved it I found that there was 144% annual interest....6 loving grand on top of the 3 grand agreement... 9 grand for this pup!! So now we are basically screwed for the next 2 years unless I can do something about it sooner. Do any of you have any experience negotiating with finance companies? Can I reduce the interest by paying more in advances via taxes or student loans or even extra off the paycheck. I know this is my fault but live and learn I suppose...thanks
Tl;dr
Got ripped at petland and unknowingly signed for a 3 grand loan with 144% annual interest and I need a way to get out or reduce the ridiculous interest.

Teeter posted:

https://www.reddit.com/r/personalfinance/comments/7a08cq/petland_screwed_me_over/

Petland screwed me over

• Financed a dog
  
• Took out a $3000 loan for a $2k purchase?!.
  
• Did not read a single word of the contract they signed, is now locked in for biweekly payments with 144% interest
  

Teeter posted:

• Took out a $3000 loan for a $2000 purchase(?!)
  

Dick Nipples posted:

Lol. Pound dogs are like $100-200 and that typically includes the initial vet report and shots.

Crust First posted:

In the comments the OP reasonably explains that they also added in a $1000 gift card for future purchase of supplies and food!

Teeter posted:

https://www.reddit.com/r/personalfinance/comments/7a08cq/petland_screwed_me_over/

Petland screwed me over

• Financed a dog
  
• Took out a $3000 loan for a $2000 purchase(?!)
  
• Did not read a single word of the contract they signed, is now locked in for biweekly payments with 144% interest
  

jbird2011 posted:

He didn't allow me to view the contract. It was my mistake I took his word for it but he had me e-sign the agreement after telling me 174 a month...

Crust First posted:

In the comments the OP reasonably explains that they also added in a $1000 gift card for future purchase of supplies and food!

TheLastManStanding posted:

How do sign a contract that you can't see and not expect to get conned?

drat Bananas posted:

Man, yall missed the best part: He bought that $9000 dog on an "around $30k" salary.