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KYOON GRIFFEY JR posted:i really don't get how people fail to keep up on oil changes which are a) predictable b) inexpensive and c) prevent catastrophic failures of extremely expensive parts of your car From personal experience I can tell you that one answer is: depression. (A mental illness which can be very BWM.)
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Feb 6, 2019 13:02
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KYOON GRIFFEY JR posted:i really don't get how people fail to keep up on oil changes which are a) predictable b) inexpensive and c) prevent catastrophic failures of extremely expensive parts of your car The problem is cars are so relatively reliable that it's easy to forget to check your oil, even if you are getting it replaced on a regular basis. My car has been burning oil for the last 20k miles and I've had to get into the habit of topping it off or when I get it serviced it'll be 2+ quarts low. I never get a light or alarm. BMW's and Chryslers burn oil like they're a retreating Iraqi army even when new.
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Feb 6, 2019 14:25
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Everyone should own an RX-7 early in their driving life so the habit of always checking and changing oil is permanently burned in.
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Feb 6, 2019 15:01
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quote:I want to marry my boyfriend, but he has $25,000 in credit-card debt and leads a financially reckless lifestyle 
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Feb 6, 2019 15:24
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Enos Cabell posted:Everyone should own an RX-7 early in their driving life so the habit of always checking and changing oil is permanently burned in. Or, really, any car from the early 80s with a DOHC engine.
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Feb 6, 2019 15:41
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ChickenOfTomorrow fucked around with this message at 03:04 on Apr 18, 2021 |
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Feb 6, 2019 17:14
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KYOON GRIFFEY JR posted:i really don't get how people fail to keep up on oil changes which are a) predictable b) inexpensive and c) prevent catastrophic failures of extremely expensive parts of your car Much like preventative medical/dental care, it's "nothing bad has happened, why should I spend my money?". People are very bad at putting in a little effort/money up front to save a ton of pain in the future.
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Feb 6, 2019 17:25
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I keep accidentally clicking the BMW thread (which I also have bookmarked), and eventually that's gonna be BWM.
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Feb 6, 2019 17:39
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ChickenOfTomorrow posted:Addictions are extremely BWM. Posters in the last iteration of the Kratom thread had spent tens of thousands of dollars on buying 10ml bottles of a special tincture from one vendor's website. That would be Full Spectrum Tincture (FST), a substance of unknown make up and manufacturing method from Speciosa Specialists (SS), a shady company operating in Asia (?) with offices across the world and alleged underworld connections To preemptively answer the question of how I know this, the OP of that thread is a wild ride best experienced raw
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Feb 6, 2019 18:17
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https://finance.yahoo.com/news/apos-m-millennial-millionaire-why-155804622.html You idiots and your budgets
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Feb 6, 2019 18:18
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Staryberry posted:I've listened to plenty of true crime podcasts. Dr. Death was one of the few I wasn't able to stomach the descriptions of the crimes. Dirty John is really good, if you haven't heard the story already. Lmfao, ya the notoriously cheap repair bills of a German luxury car, smart idea TVsVeryOwn posted:How do guns depreciate? I've heard that rednecks are kinda GWM because when they're flush they buy guns and guitars, which supposedly hold resale value better than other durable goods. Many guns are bought for way more than they would ever be worth so once gun mania dies down the market dries up and no one will buy it at an inflated price. There are also many manufacturers that make lovely guns that deteriorate overtime (ie they aren't durable) such as everything Remington makes. There's also the issue that not all gun owners maintain their guns, and if you're not cleaning it and such it will turn to poo poo.
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Feb 6, 2019 18:29
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movax posted:https://finance.yahoo.com/news/apos-m-millennial-millionaire-why-155804622.html this article sucks. i get that the guy's shilling for his dumbass book but even on top of that it's like, offensively bad
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Feb 6, 2019 18:31
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Furia posted:That would be Full Spectrum Tincture (FST), a substance of unknown make up and manufacturing method from Speciosa Specialists (SS), a shady company operating in Asia (?) with offices across the world and alleged underworld connections SS ships out of Chicago, everything else we know about them is hearsay, rumor, and myth. the first kratom thread thread is well worth a skim if you have archives! one poster in that thread ripped SS off for thousands of dollars worth of FST, which was bold
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Feb 6, 2019 18:42
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Budgets suck! They are terrible! Instead you should commit to a plan for your major expenses. Perhaps even write it down
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Feb 6, 2019 18:42
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movax posted:https://finance.yahoo.com/news/apos-m-millennial-millionaire-why-155804622.html  Why are you idiots budgeting when you can just cut your housing, food and transportation in half and save $17,500 a year? Just cut your rent in half while also living close enough so that you can walk to work. Simple. Cut your food costs in half without budgeting by uh...well you just cut it in half without tracking what you're spending somehow.
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Feb 6, 2019 18:46
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There is a grain of truth in that extremely lovely article, but it is summarized by "penny-wise, pound-foolish" and does not need a lot of elaboration. Countless BWM people I talk to are frugal about poo poo like buying the cheapest gas and turning off the lights they're not using in the house, but idiots about poo poo like cars, housing, weddings, vacations, and taking advantage of their company's 401(k) matching.
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Feb 6, 2019 20:15
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More car BWM: During a recent chat about car maintenance with family I mentioned that coming up for 120k miles I was going to replace brake pads/rotors/fluid, engine and cabin air filters, transmission fluid, timing belt, water pump, and the coolant flush. I got multiple reactions of half joking/half serious that I should just get a new car.
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Feb 6, 2019 20:26
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Leperflesh posted:There is a grain of truth in that extremely lovely article, but it is summarized by "penny-wise, pound-foolish" and does not need a lot of elaboration. "Stepping over dollars to pick up pennies" is how I see that sort of decision-making. My brother, when I had my first kid on the way, dared to ask for $6k to "make his racing dreams come true." It's like the grasshopper and the ant come to life.
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Feb 6, 2019 20:40
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ChickenOfTomorrow posted:SS ships out of Chicago, everything else we know about them is hearsay, rumor, and myth. the first kratom thread thread is well worth a skim if you have archives! got a link?
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Feb 6, 2019 20:42
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I enjoy fixing things as a hobby and I always get weird looks when I tell someone I restored or fixed something. Everyone is just expected to use things without maintenance until they wear out and then buy a new one.
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Feb 6, 2019 20:42
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Nocheez posted:"Stepping over dollars to pick up pennies" is how I see that sort of decision-making. My brother, when I had my first kid on the way, dared to ask for $6k to "make his racing dreams come true." It's like the grasshopper and the ant come to life. Shoulda bought him a racecar bed and left it in his living room
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Feb 6, 2019 20:43
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Nocheez posted:"Stepping over dollars to pick up pennies" is how I see that sort of decision-making. My brother, when I had my first kid on the way, dared to ask for $6k to "make his racing dreams come true." It's like the grasshopper and the ant come to life. I guess his racing dreams were to put a frame into a civic or a miata or something and do parking lot autocross, because anything more than that and $6k is an absurdly low number for a racing budget. SpartanIvy posted:I enjoy fixing things as a hobby and I always get weird looks when I tell someone I restored or fixed something. Everyone is just expected to use things without maintenance until they wear out and then buy a new one. Also people refuse to figure out that 2x a year unexpected ~$500 repair bills is vastly cheaper than 1x a month $300 car payments. Because the latter is in their mental budget and the former just isn't. The idea that you could just buy parts and do a lot of those fixes yourself is three more steps beyond the pale.
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Feb 6, 2019 20:53
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Nocheez posted:"Stepping over dollars to pick up pennies" is how I see that sort of decision-making. My brother, when I had my first kid on the way, dared to ask for $6k to "make his racing dreams come true." It's like the grasshopper and the ant come to life. Should have bought him a $1K Miata.
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Feb 6, 2019 20:53
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Leperflesh posted:Also people refuse to figure out that 2x a year unexpected ~$500 repair bills is vastly cheaper than 1x a month $300 car payments. Because the latter is in their mental budget and the former just isn't. The idea that you could just buy parts and do a lot of those fixes yourself is three more steps beyond the pale. Me: you should go ahead and fix that now Them: eh I'll wait until it becomes a real problem Also them: *doesn't save a penny towards this foreseen and increasingly serious problem* *Thing breaks* Them: This happened at the worst time and I can't afford to fix it right now!
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Feb 6, 2019 20:58
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Leperflesh posted:Also people refuse to figure out that 2x a year unexpected ~$500 repair bills is vastly cheaper than 1x a month $300 car payments. Because the latter is in their mental budget and the former just isn't. The idea that you could just buy parts and do a lot of those fixes yourself is three more steps beyond the pale. I had a bunch of fairly expensive maintenance on my car (couple thousand bucks) in the past few months, most of it relatively expected and the kind of thing that won't be an issue again for another 100k miles (i.e., life of the car). No doubt many people would have balked and traded in the car on something new. It was still less than just sales tax alone on a new 30-35k car.
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Feb 6, 2019 21:03
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Leperflesh posted:I guess his racing dreams were to put a frame into a civic or a miata or something and do parking lot autocross, because anything more than that and $6k is an absurdly low number for a racing budget.
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Feb 6, 2019 21:14
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I want to do LeMons so bad. My friend keeps buying cars to do it with but instead turns around and sells them for a profit. I don't think he gets it.
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Feb 6, 2019 21:20
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Feb 6, 2019 22:01
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Phanatic posted:I want to do LeMons so bad. My friend keeps buying cars to do it with but instead turns around and sells them for a profit. I don't think he gets it. I've done that a few times now too. I think I'm too good at picking out good cheap older cars and fixing them cheap.
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Feb 6, 2019 22:01
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I wish my bro was doing LeMons. Instead, he races "street stock" which are RWD American V8s. He has exactly zero dollars saved for retirement at age 47. I think his plan is to work until he has a heart attack, which is a bad plan when you drive big rigs.
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Feb 6, 2019 22:22
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https://www.reddit.com/r/personalfinance/comments/amhfhn/we_need_helpadvice_what_are_we_doing_wrong/ We need help/advice!! What are we doing wrong? Budgeting quote:I'm an engineer with a great company, gross salary is about $84k. I bring home about $4,600 a month. My husband works for a small local company, blue collar, no degree, typically brings home about $1,600 a month at a pay rate of $13 an hour. **side note: he just got a new job and will start in 2 weeks. This will increase his hourly pay to $18 an hour. I estimate this will increase his monthly bring home to be about $2,000 a month. Where's all the money going? Who knows. quote:$6200 income and you mentioned $3200 worth of expenses. $3000 left that needs to be accounted for. quote:Recurring monthly bills: Oh, right. It's all that credit card debt, student loan debt, $540/mo for phones/internet/tv, and $20 each for Ancestry.com and Microsoft Office
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Feb 6, 2019 22:45
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KYOON GRIFFEY JR posted:i really don't get how people fail to keep up on oil changes which are a) predictable b) inexpensive and c) prevent catastrophic failures of extremely expensive parts of your car I suspect it has more to do with inconvenience than price. Basically anyone with a couple working brain cells can do an oil change, but even wrench monkeys don't do their own because it's messy and a pain unless you have a lift. If you take it to a shop, you may have just paid $50+ for them to leave out your drain plug, forget to put new oil in it, and/or not replace the filter; if you take it to the dealer, it'll take all day and maybe have the same results (my dealer managed to not gently caress up the oil change part, but did consistently fail to do any of the other 'extra' services while marking them done). I once had mine done by an independent shop who not only did not replace the oil cap he'd left on the edge of the engine compartment, he slammed the drat hood on it so the edge stuck up when I picked up my car. Nocheez posted:I wish my bro was doing LeMons. Instead, he races "street stock" which are RWD American V8s. He has exactly zero dollars saved for retirement at age 47. I think his plan is to work until he has a heart attack, which is a bad plan when you drive big rigs. Excuse you, that's a brilliant plan, just ask my former-trucker dad who died of a heart attack at 55 (not on the road).
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Feb 6, 2019 22:48
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yes maintaining a car is inconvenient but not as inconvenient as having an underwater chevrolet equinox with a stretched timing chain parked in your driveway
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Feb 6, 2019 22:57
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canyoneer posted:Oh, right. It's all that credit card debt, student loan debt, $540/mo for phones/internet/tv, and $20 each for Ancestry.com and Microsoft Office Compared to what must be tens of thousands of dollars in credit card debt and who knows how much student loan debt, the ancestry and microsoft payments are utterly trivial and not even worth mentioning. These people are mostly hosed because of their borrowing. They could cut their phone bill in half, the alcohol spending entirely, and save ~$400 a month, immediately; what they desperately need to do is consolidate their credit card debts, though, which will likely save them enormously on interest in addition to giving them far more flexibility in their budget. Nickling and diming for $20 here or there is worthless and will do nothing for them in the long-run when they're throwing at least several hundred a month into late fees and interest charges.
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Feb 6, 2019 23:01
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canyoneer posted:Where's all the money going? Who knows. I always love these purestrain BWM posts. No idea where all the money is going despite having a million credit cards where they only ever make minimum payments. Waiting for them to cut back on the kid's school lunches, they don't deserve $3 for a slice of pizza.
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Feb 6, 2019 23:11
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nobody should spend money on ancestry.com how in gently caress are they paying 320/mo for telephones
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Feb 6, 2019 23:11
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Rolling over iPhones probably. And the age of the kids aren't specified but you know they each have a phone. And kids break phones
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Feb 6, 2019 23:13
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I found the open-marriage bonus on this one.quote:It's a really long story, the short version is that he pressured me into an "open-marriage" (this meant he was allowed to see other people and I wasn't), then we broke up because he thought spending 5 days a week with his girlfriend was totally okay (It wasn't, we have two young boys), but we still live together because we can't afford to live apart and our families don't know that we are separated. It's been absolute, complete, total hell for me the past 18 months, and I struggle every day because it's so easy to spiral into severe depression over the whole situation. Valentine's Day will be the first one I've spent single since 2002, and even though money is extremely tight right now, I know my husband is going to buy his girlfriend something nice to celebrate (even though he always told me through the years that V-Day gifts were stupid and unnecessary).
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Feb 6, 2019 23:25
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Your in a paper marriage get a divorce.
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Feb 6, 2019 23:34
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UCS Hellmaker posted:Your in a paper marriage get a divorce. Divorce is the easiest way to halve the debt.
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Feb 6, 2019 23:36
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