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gonna go ahead and guess credit card bill minimums
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Feb 20, 2015 02:40
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Don't forget about the car loan.
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Feb 20, 2015 02:44
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jaymeekae posted:Where the gently caress is this? $1400 rent with $700+ bills on top? What bills are those!? The San Francisco Bay Area is a bitch, my friend. And the $700/mo comes from a car payment, car insurance, phone, internet/cable, and "other" stuff like basic utilities and what I believe to be a credit card payment. I'm not sure how it breaks down because all I know is that it's "about $700 a month." Senf fucked around with this message at 03:00 on Feb 20, 2015 |
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Feb 20, 2015 02:54
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Lol $700/mo in non housing bills is some stupendous unbelievable amount to you?
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Feb 20, 2015 03:10
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Does she have $700 left over after paying everything or does she spend another $1000 on a credit card?
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Feb 20, 2015 03:20
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Leroy Diplowski posted:
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Feb 20, 2015 03:22
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So what makes someone say "I want to own a business. And that business should involve: me being on-call 24/7, high labor costs, extremely quick turnaround on product and dangerously fierce competition from similar idiots with restaurants or grocery stores that sell everything I do but 90% cheaper." my guess is Food Network
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Feb 20, 2015 03:50
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BEHOLD: MY CAPE posted:Lol $700/mo in non housing bills is some stupendous unbelievable amount to you? I'm not sure where you're getting that from, but no, not always. Her situation is a bit different, though, in that her savings is being torn apart by the move and she won't be able to save much at all post-move because she's a free-spender who doesn't cook and loves buying clothes and other goods that she doesn't need. Devian666 posted:Does she have $700 left over after paying everything or does she spend another $1000 on a credit card? I'm guessing that she'll have about $600-$700 leftover once her health insurance goes live. So $1400 in rent and $700-800 in straight bills (and gas, which is unavoidable due to her commute), which leaves $600-$700 for what will probably go toward take out/restaurants, groceries, clothing, whatever else (fun stuff that she's used to doing all the time, like bars and lounges) and little to no savings (or the typical "save what's leftover" disaster). One example of why the situation is concerning is that not even two months ago did she complain about missing out on a dinner with friends because she couldn't afford to buy gas until she got paid the next day. Senf fucked around with this message at 04:19 on Feb 20, 2015 |
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Feb 20, 2015 04:00
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Aliquid posted:So what makes someone say "I want to own a business. And that business should involve: me being on-call 24/7, high labor costs, extremely quick turnaround on product and dangerously fierce competition from similar idiots with restaurants or grocery stores that sell everything I do but 90% cheaper." The only person who genuinely can say they don't have a passion for food in some way or another is the Soylent guy. Check any place where people put down interests, hobbies or passions and 99% of the time food, cooking, eating, baking, etc, is going to be listed at least once. That leads to everyone believing they can succeed because they have this passion for food, and if Gordan Ramsey has taught people anything with his Kitchen Nightmares show, it's that all you need is passion to be a successful restaurant owner!
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Feb 20, 2015 04:00
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Rudager posted:Check any place where people put down interests, hobbies or passions and 99% of the time food, cooking, eating, baking, etc, is going to be listed at least once. That leads to everyone believing they can succeed because they have this passion for food, and if Gordan Ramsey has taught people anything with his Kitchen Nightmares show, it's that all you need is passion to be a successful restaurant owner! drat right he's made profits of $36m but is $50m in debt. All that's needed for success is a passion for food and to borrow money. http://www.franchiseherald.com/articles/5927/20140822/chef-gordon-ramsay-bankruptcy.htm
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Feb 20, 2015 04:21
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Devian666 posted:drat right he's made profits of $36m but is $50m in debt. All that's needed for success is a passion for food and to borrow money. I cannot even imagine having my business in $14m in debt. I wouldn't be able to sleep.
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Feb 20, 2015 06:54
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From the "Overheard at work" thread on the MMM forum ("CW" is coworker):quote:CW: I'm gonna get a dog this weekend! Dog equity 
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Feb 20, 2015 07:08
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moana posted:To be fair, he could probably rent out his slip and recoup the HOA costs if nobody knows it's not his boat. Hawaii slip rentals are crazy expensive and lots of people live in their boats. I tell people,here and elsewhere all the time that wireless is a good starting point in sales. Starting income at AT&T or Verizon for a sales rep is $50K, or $45K of you really suck at sales. Easy to do better too. Both are currently on a hiring freeze, but they'll start hiring again come spring and summer.
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Feb 20, 2015 11:09
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pig slut lisa posted:Dog equity Puppy financing
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Feb 20, 2015 11:24
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Feb 20, 2015 14:08
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Senf posted:The San Francisco Bay Area is a bitch, my friend. drat, I live in central London but I only pay £563/mo in rent and about £100 in bills (electric, water, gas, internet, cleaner).
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Feb 20, 2015 14:12
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Up to 4 YEARS to pay off your puppy. I'm pretty sure my dog came from a place like this. We rescued her after her previous owners neglected her for a year and turned her over to the groomer that my parents were using. She had fleas, worms, and weighed only 8 pounds. Now she's a healthy, happy 13-pound dog and it only cost me a hundred bucks in adoption fees.
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Feb 20, 2015 15:11
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Rudager posted:
People with food as a hobby tend towards bad with money because every trip to the store to stock their poo poo apartment kitchen costs $200 so they can impress their friends with elaborate hog meals. Not bad with money but just plain bad are conversations about food where people are trying to brag and impress because it's loving boring and you spend too much time thinking about your stomach.
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Feb 20, 2015 15:18
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Unless it's for a very specific reason (and I mean you literally need a cattle dog for your herd), people who buy from breeders can get hosed. Go to the loving Humane Society and get a mutt that hasn't been inbred into a short, painful life.
peter banana fucked around with this message at 15:31 on Feb 20, 2015 |
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Feb 20, 2015 15:26
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Aliquid posted:So what makes someone say "I want to own a business. And that business should involve: me being on-call 24/7, high labor costs, extremely quick turnaround on product and dangerously fierce competition from similar idiots with restaurants or grocery stores that sell everything I do but 90% cheaper." My wife bakes. She's good at it. People tell her, "OMG, YOU COULD TOTALLY DO THIS FOR A LIVING!". To which my wife says, "would you pay $3 for that cupcake, regularly?" It's got to be so easy for people who are good at baking to fall into that trap where everyone they're giving food to for free thinks they'd make a fortune if they'd only charge people. Easy enough at least that I've seen 3 bakeries in a 2 mile radius go under in the last 3 years.
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Feb 20, 2015 15:30
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Aristotle Animes posted:People with food as a hobby tend towards bad with money because every trip to the store to stock their poo poo apartment kitchen costs $200 so they can impress their friends with elaborate hog meals. What's an elaborate hog meal?
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Feb 20, 2015 15:30
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jaymeekae posted:drat, I live in central London but I only pay £563/mo in rent and about £100 in bills (electric, water, gas, internet, cleaner). And she's moving into an apartment in the suburbs. Her rent and bills would be more manageable without the car payment (which I think is in the upper 200 to low 300 range) but Bay Area rent prices are insane and can make even the slightest amount of bills feel like too much when you're not making a Bay Area salary. For example, one of the new "luxury" buildings in San Francisco (about 45 minutes west of her suburb) is successfully renting studios for just under $3000/mo. Yeah. Roommates are almost a necessity here, but she's convinced she doesn't need them. Senf fucked around with this message at 16:22 on Feb 20, 2015 |
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Feb 20, 2015 16:18
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Senf posted:Roommates are almost a necessity here, but she's convinced she doesn't need them.
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Feb 20, 2015 16:32
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I don't know where to ask this, and I want to avoid being Bad With Money......where is that mattress buying megathread? If its gone or archived, whats a good resource or strategy on mattress buying?
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Feb 20, 2015 16:53
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I bought a tuft and needle mattress a month or so ago and I really like it so far. I can't remember where we were having the mattress discussion before.
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Feb 20, 2015 16:57
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Jastiger posted:I don't know where to ask this, and I want to avoid being Bad With Money......where is that mattress buying megathread? If its gone or archived, whats a good resource or strategy on mattress buying? Spend the time it takes to get something you like. You're going (supposed?) to spend 1/3 of your life in it. While I am not saying you need to spend $1000+ on a mattress it isn't necessarily bad with money.
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Feb 20, 2015 17:02
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Mattress shopping is basically a scam though. You can't really spend an amount of time and find what you need because it's almost impossible to know what a mattress will feel like after 30 minutes, 3 hours, etc, and in the weird positions you sleep in. The manufacturers purposely obfuscate the models so it's almost impossible to compare between different retailers. The MSRPs are complete fiction too so it's hard to compare deals. They use different terms for the same thing, and use a ton of buzzwords/bullshit that are meaningless. There's no "good" way to do it was my conclusion last time I tried. I wound up just getting a well reviewed memory foam unit from Amazon/Overstock and it's been great. But going to a store and even spending a lot of time looking at mattresses isn't really going to get you anywhere.
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Feb 20, 2015 17:10
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http://www.sleeplikethedead.com/ is a good resource.
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Feb 20, 2015 17:14
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Duckman2008 posted:I tell people,here and elsewhere all the time that wireless is a good starting point in sales. Starting income at AT&T or Verizon for a sales rep is $50K, or $45K of you really suck at sales. Easy to do better too. Both are currently on a hiring freeze, but they'll start hiring again come spring and summer.
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Feb 20, 2015 17:16
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xie posted:Mattress shopping is basically a scam though. You can't really spend an amount of time and find what you need because it's almost impossible to know what a mattress will feel like after 30 minutes, 3 hours, etc, and in the weird positions you sleep in. Jastiger oughta be really at home in this environment 
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Feb 20, 2015 17:20
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xie posted:Mattress shopping is basically a scam though. You can't really spend an amount of time and find what you need because it's almost impossible to know what a mattress will feel like after 30 minutes, 3 hours, etc, and in the weird positions you sleep in. I did something similar. Shopped around online looking for good reviews then went out of my way to find stores that carried the ones I liked. I looked at four and I could tell almost instantly that I didn't like two of them. Online reviews are good, but you can't know what "firm" or "soft" means to everyone.
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Feb 20, 2015 17:23
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Mattress chat: http://forums.somethingawful.com/showthread.php?threadid=3663235 I bought a King size Casper and I looooove it
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Feb 20, 2015 17:24
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Sleep on the floor/straw or you're bad with money.
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Feb 20, 2015 17:47
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froglet posted:Your friend sounds a bit like a lady I knew. She was a bit sheltered from reality by her parents and had been instilled with this idea that having housemates is for losers/people who want to get murdered. There was quite a shock to her system when she finally moved out and realized that there was a very good reason why so many live with housemates. Exactly right, yeah. "I make enough money to not need roommates" is her excuse, which is hilarious.
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Feb 20, 2015 17:52
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slap me silly posted:Jastiger oughta be really at home in this environment What environment? I don't get this reference. Thanks for the input though. I remember there being a mattress buying thread but its disappeared 
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Feb 20, 2015 17:58
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xie posted:Mattress shopping is basically a scam though. You can't really spend an amount of time and find what you need because it's almost impossible to know what a mattress will feel like after 30 minutes, 3 hours, etc, and in the weird positions you sleep in. Yeah, this is all true. Most of the major mattress brands are owned by the same parent company, and they have a stranglehold on the retail industry. It's impossible to get away from this if you shop at common B&M stores like Sleep Country. The worst part is that the mattresses manufactured by these major lines are designed to fail after 3-5 years. Then the consumer is forced to play into the racket again. There are a lot of independent mattress manufacturers that make quality products that are fairly priced and designed to last. Spending a decent amount of money for a good mattress like this is both good with money and good with life. https://www.themattressunderground.com is a good resource for finding smaller manufacturers in your area and for learning about mattresses in general. The site has a substantial latex foam bias though, so it might not be as useful for everyone.
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Feb 20, 2015 18:20
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Radbot posted:What's an elaborate hog meal? Too many dishes and poo poo to put in dishes and everyone is supposed to make moaning sounds everytime they put a spoon in their wet maw. Then it has a stupid piece of cake at the end even tho it's nobody's birthday.
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Feb 20, 2015 18:22
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peter banana posted:Unless it's for a very specific reason (and I mean you literally need a cattle dog for your herd), people who buy from breeders can get hosed. Go to the loving Humane Society and get a mutt that hasn't been inbred into a short, painful life. I have several relatives who all got different purbreeds, seemingly as some sort of expensive puppy arms race. When I told one of them that we just had two shelter mutts he asked me if we "couldn't afford a better dog."
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Feb 20, 2015 18:26
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Aristotle Animes posted:Too many dishes and poo poo to put in dishes and everyone is supposed to make moaning sounds everytime they put a spoon in their wet maw. Then it has a stupid piece of cake at the end even tho it's nobody's birthday. I would be okay with having friends like this. I'm willing to fake excitement to be treated to elaborate hog meals + non-birthday cake.
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Feb 20, 2015 18:30
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Aristotle Animes posted:People with food as a hobby tend towards bad with money because every trip to the store to stock their poo poo apartment kitchen costs $200 so they can impress their friends with elaborate hog meals.
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Feb 20, 2015 18:35
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