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It’s almost like we can learn from Zaurg’s brain-dead stupidity here, wherein a budget and reconciliation of expenses are discrete tools with differing purposes. Make a budget with items consolidated into a single category but then have your reconciliation of expenses show them as discrete items within said category. That way, spending more on vape draws down your budget for other discretionary and encourages you to prioritise where you blow your fun money, but at the end of the day you’re still faced with seeing how much of your money was spent specifically proving you’re the sort of nerd that wears a fedora.
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Aug 29, 2019 15:55
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| # ? May 28, 2024 00:43 |
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I'm pretty happy with the categories now - I made the decision in July to combine vaping into discretionary once already. Once we're out of debt I'll definitely shake up the categories. I don't feel like it's a problem going back to our $330 discretionary. Our budget was planned originally for that number. Speedbump My son needs some medical work done. He's tongue tied and the doctor and dentist want to get it taken care of as they mentioned yesterday. We didn't want to put him under with anesthesia if it could be helped, so we've been holding off, and they now have a local anesthetic option. The initial estimate was $800 out of pocket, but we'll know more in 30-45 days after a written estimate to our insurance company gets done. I'm hoping we can make payments and keep trucking without much of a budget modification, but we may need to throw some of that debt paydown money towards it one month. Budget updates: - October - gets rid of the $49 campground due. - October - our cell phones should drop by ~$30 (which may reflect in November). - September - we're turning in another cable box this weekend for another $7 off the RV Storage category. - All - I'm dropping my son's $20 chore bucket - he hasn't expressed interest again and I feel like he's too young to comprehend the lessons, and I don't personally know what steps I want to take yet from a teaching standpoint (I'm sure my wife will have input as well). - We should be putting about $4k towards the RV in September. That will bring the balance down to (roughly) $13,500. Updated payoff/amortization schedule (not accounting for medical procedure):  Note that we will sell the RV somewhere in there and anything excess will go immediately towards the truck, at which point if it takes until March, we'll sell the truck ASAP. I'll probably prioritize the truck over the student loans since the truck also depreciates and has high insurance costs ($110/mo). e: and also note this is on September's figures, not October's when we free some money up. We free up more money in January as well that will bump the figure up. Knyteguy fucked around with this message at 16:43 on Aug 29, 2019 |
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Aug 29, 2019 16:39
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Nam Taf posted:It’s almost like we can learn from Zaurg’s brain-dead stupidity here Learning from zug is setting the bar rather low, I'd say 
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Aug 29, 2019 16:56
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My Rhythmic Crotch posted:I kinda think it goes the other way. One big discretionary category emphasizes how much is being spent on things that don't improve your financial position. Said differently, having them separate might encourage increasing the discretionary, because now discretionary looks smaller since vaping is separate. I have a discretionary Master Category titled “my name” and then some subs. You could consider doing this. Nocheez posted:Personal opinion: Vaping/smoking is your choice, so it's discretionary. Don't up your discretionary, either quit the vice or lower your personal spending elsewhere to accommodate. That's how a budget is supposed to function, it holds you accountable by limiting how much you spend. Agreed. Nam Taf posted:It’s almost like we can learn from Zaurg’s brain-dead stupidity here, wherein a budget and reconciliation of expenses are discrete tools with differing purposes. Make a budget with items consolidated into a single category but then have your reconciliation of expenses show them as discrete items within said category. This is how I further break things down for reporting, using tags in Quicken and a macro to do the needful of splitting things. I can turn them on and off from a tag control list and then my script either does or doesn’t split em out. I’m not a huge fan of Quicken or YNAB reports so I built my own in Excel (automated, it’s how I expanded my knowledge of VBA, which is drat useful as an accountant who uses Excel a fuckton!). KG - just use a specific comment on the line and be consistent with it so you can easily sum up the spend. Good enough.
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Aug 30, 2019 01:29
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Lookin forward to that August recap KG
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Sep 3, 2019 03:10
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My Rhythmic Crotch posted:Lookin forward to that August recap KG   Sept:  Moving Forward: - I'm restarting YNAB for September. I'm having trouble getting it and the spreadsheet to match up which is wasting time and the spending data from the RV isn't highly useful anymore anyway. - Credit cards are confusing the gently caress out of me on YNAB so I'm going back to debit transactions for everything but the RV. We can worry about cash back optimization when we're out of debt. Too much of a time sink. Meal plans 9/3-9/6 - Daily sandwiches: BLTs/PB&J with Yogurt and Fruit - Dinners: Quesadillas with green chilies, Chicken Tacos, Shrimp Fajitas, Broccoli Cheddar Chicken Casserole w/ Rice, Spaghetti w/ sauce we already have made - Breakfast: Fruit+Yogurt+Toast (son) Already have most of that stuff (need a few pieces of produce) from our rollover so it puts off our grocery shopping for a few days and cuts the cost a bit. We're aiming for a super frugal (for us) September. August was busy with moving, selling the dirt bike, and other obligations like birthdays, but September is not.
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Sep 3, 2019 14:41
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Knyteguy posted:Moving Forward: I've had my financial poo poo together for a while now, and I still can't see using credit cards for everything because it would make tracking my finances a bunch harder. Studies have long shown that people who use credit for everything tend to spend more than those who use cash.
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Sep 3, 2019 16:39
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Nocheez posted:I've had my financial poo poo together for a while now, and I still can't see using credit cards for everything because it would make tracking my finances a bunch harder. Studies have long shown that people who use credit for everything tend to spend more than those who use cash. How is it hard to track credit cards? I don’t use debit for anything and I track everything without issue. Spend to your budget, not your card limit / checking balance. Knyteguy posted:- Credit cards are confusing the gently caress out of me on YNAB so I'm going back to debit transactions for everything but the RV. We can worry about cash back optimization when we're out of debt. Too much of a time sink. https://www.youneedabudget.com/how-to-manage-credit-cards-in-ynab/ SiGmA_X fucked around with this message at 00:44 on Sep 9, 2019 |
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Sep 9, 2019 00:35
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Ayyy where's the September recap
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Oct 3, 2019 21:48
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:zuarug:
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Oct 4, 2019 13:53
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What did you buy, KG?
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Oct 4, 2019 15:05
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Update time.
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Oct 6, 2019 03:18
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Bump, still waiting KG
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Oct 8, 2019 11:29
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I'm guessing either bitcoin, because KG seems extremely susceptible to FOMO, or a vacation because poo poo got too tense at home.
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Oct 8, 2019 12:32
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Ah you never know, they could have serious stuff going on (sick family member or child, for example) or things are going good enough that he just forgot about the thread. Key word 'could'.
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Oct 8, 2019 15:44
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If things were going well it'd be nice to hear that. The last time KG dropped off the forums he encumbered himself with ~$80k of frivolous consumerism debt that depreciates faster than the interest on it.
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Oct 8, 2019 15:56
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Dwight Eisenhower posted:If things were going well it'd be nice to hear that. And the time before that he bought a camaro, and the time before that a corolla, if memory serves. KG, post the corvette.
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Oct 8, 2019 17:36
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Dude went full Houseboat, calling it now.
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Oct 8, 2019 18:05
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BloodBag posted:And the time before that he bought a camaro, and the time before that a corolla, if memory serves. the C8 is like $60,000 dollars and eligible for better rates than a RV as well as lower depreciation so honestly it would be at minimum a better with money decision
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Oct 8, 2019 18:07
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KYOON GRIFFEY JR posted:the C8 is like $60,000 dollars and eligible for better rates than a RV as well as lower depreciation so honestly it would be at minimum a better with money decision He's already gone straight boomer with the RV, why stop there when boomer endgame is wraparound oakleys and a vette? Bonus points for a sick chopper to take to the ice house.
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Oct 8, 2019 19:09
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He’s probably too busy getting out of debt to post. Good for you night guy!
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Oct 11, 2019 23:05
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It's been almost two weeks, I need more updates to the Knyteguy saga drat it
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Oct 24, 2019 16:29
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I wonder when they'll start understanding that when they start 'forgetting' about the thread it is immediately apparently they did a bad
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Oct 25, 2019 03:24
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I'm excited for no-update November.
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Nov 1, 2019 16:50
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we need a what stupid poo poo did KG buy poll in this thread
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Nov 1, 2019 18:13
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I'll vote for a new fancy TV and a stupidly expensive surround sound system, for the new apartment
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Nov 1, 2019 18:18
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Super fast gaming PC for his wife that does nothing but browse pinterest. I swear he's already done this once in the previous threads.
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Nov 1, 2019 18:37
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Vaping poo poo.
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Nov 1, 2019 18:41
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new drumkit
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Nov 1, 2019 18:46
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Saw the new posts and actually thought KG might have updated lmao
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Nov 1, 2019 19:52
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Wonder who will win the zaurg/knyteguy budget-off.
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Nov 1, 2019 19:59
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subpar anachronism posted:I wonder when they'll start understanding that when they start 'forgetting' about the thread it is immediately apparently they did a bad I mean, it's pretty obvious, it's just annoying. DoctorTristan posted:Saw the new posts and actually thought KG might have updated lmao Same. 
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Nov 1, 2019 20:41
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KG post the money
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Nov 1, 2019 22:29
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RC and Moon Pie posted:Vaping related acute lung injury
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Nov 1, 2019 22:57
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Followed Goon advice, left free (if substandard) living situation to get an apartment, sold mobile home, life poo poo blew up, now stuck in lease with crippling monthly rental cash burn, sucking dick for $20s behind the K-Mart to make rent payments.
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Nov 2, 2019 03:57
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SlyFrog posted:Followed Goon advice, left free (if substandard) living situation to get an apartment, sold mobile home, life poo poo blew up, now stuck in lease with crippling monthly rental cash burn, sucking dick for $20s behind the K-Mart to make rent payments (on a $5k MacBook Pro for my spouse for gaming)
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Nov 2, 2019 22:45
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Rarely are things improvements to the original, but you have decidedly accomplished that. Kudos sir.
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Nov 2, 2019 23:23
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Lookin forward to that November recap KG
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Dec 1, 2019 17:29
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Oops I Forgot October heading into No Update November into Didn't Do poo poo December
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Dec 1, 2019 17:51
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| # ? May 28, 2024 00:43 |
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I know it’s only December but yeah it seems like the snow came already for KG
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Dec 1, 2019 22:58
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