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SiGmA_X posted:We should plot out what maintenance your car is going to need over the next year/two years and see how much money it really needs... It's a new car after all. That said, I think it's smart to accrue X for general maintenance. I'm just not sure what that X will be for your car. With the car it's important to note that we do have a service plan already rolled in the loan including oil changes (synthetic) and all major mileage inspections/whatever. Plus bumper-to-bumper warranty, plus standard powertrain warranty. The only concerns would be daily wear-and-tear items tires and brakes then right? I can change breaks myself too. Car registration is coming up in the next few months also. I think it's June. With this line of thinking vet bills is probably getting to a good point too then? Shots aren't very expensive we use SPCA and it's like $15 for all boosters, emergency fund I'd think would cover a pet... emergency.
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Apr 13, 2015 22:19
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Veskit posted:And how much do you think it costs to go to psych visits on top of therapy visits, and why are you double practicing the same type of therapy with your mom? You're going to see the same therapist for you and your mom, you and your wife, and yourself? Also you have to account for your baby costs, wife costs, and of course if poo poo hits the fan costs. Has the labor bill been paid off yet? Slashing your HSA is a horrific idea. No Veskit my wife will probably see the same therapist as my mom I may go see my old psychologist I'm not sure yet. Mr Money Mustache feeds his family of three at $80/wk and he buys organic. I'm an rear end in a top hat and we don't buy organic (except eggs) and there's two of us. I'm feeling pretty good we can meet that I'm not above eating top ramen every now and then as a snack, plus our meal plan will make stuff cheaper since we're cooking in bulk for a lot of it.
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Apr 13, 2015 22:23
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Knyteguy posted:With the car it's important to note that we do have a service plan already rolled in the loan including oil changes (synthetic) and all major mileage inspections/whatever. Plus bumper-to-bumper warranty, plus standard powertrain warranty. The only concerns would be daily wear-and-tear items tires and brakes then right? I can change breaks myself too. Pets, you're probably good. Realistically you should use an accrual for normal vet bills and efund for the rest. Isn't that normal wisdom? It makes sense to me at least!
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Apr 13, 2015 22:28
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OK so can I get some input from anyone really: look for another job and buy a second car starting now, starting x months from now, or stay at my current job? There's been input I could get a $10,000-20,000 bump plus probably better benefits. I agree with this analysis I have 3 years of professional experience now, compared to 1 when I landed my current position. And that 1 was part time. e^ alright thanks Sig I'll do some math. Knyteguy fucked around with this message at 22:32 on Apr 13, 2015 |
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Apr 13, 2015 22:29
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SiGmA_X posted:We give him hell about not planning expenses, and yet you're inverting for this. Car expenses that are known should be planned. If that's the case then You could easily put 100 dollars into the fund and replenish as it is used. My thinking though is that is anything really being sacrificed except from savings goals? Doesn't just taking out 100 from the e fund and puting in 100 into the car fund just effectively make it all e fund anyway? Either way planning out car expenses is good and all but the car maintenance fund is kind of a miss on that end especially with the free oil changes and what not. Knyteguy posted:No Veskit my wife will probably see the same therapist as my mom I may go see my old psychologist I'm not sure yet. History has not been kind do your 80 dollar a week organic plan. Show me things are different then I guess and I'll stop hounding the point. I think you're setting yourself up to drain your discretionary and restaurant budget with your grocery budget so low. Also I wasn't clear. When I said psych I mean psychiatrist, who aren't cheap. Either way if you, your wife, and your mom go to therapy weekly at 25 bucks a visit that still ends up being 300 dollars and that's excluding the possibility of having to then visit a psychiatrist, and subsequently paying for all medications. Also seriously what was the baby bill, is it paid, and how much is going to be out of pocket for you? Knyteguy posted:OK so can I get some input from anyone really: look for another job and buy a second car starting now, starting x months from now, or stay at my current job? Start looking for a new job then worry about the rest. If you get an offer then ask again.
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Apr 13, 2015 22:49
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Knyteguy posted:OK so can I get some input from anyone really: look for another job and buy a second car starting now, starting x months from now, or stay at my current job? Cart before the horse. I know you knew a guy who knew someone who was related to someone that worked at a company that was hiring. And you had a recruiter vaguely talk to you about a position where you would need to move to Florida. But... I would absolutely start interviewing around to find a better job. You do not need a second car to do this. Worst case scenario take an uber to and from your interview or have your wife use an uber to get to and from work if the car becomes a "complication". However you will probably apply to quite a few jobs and do a handful of phone interviews before it's even an issue. I know programming is "hot" right now, but you're not exactly in the most tech savvy market (maybe I'm wrong?). If you land an actual job offer, bring it up in the thread and people can talk break-even in terms of commute, extra pay, benefits, etc.
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Apr 13, 2015 22:55
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Veskit posted:If that's the case then You could easily put 100 dollars into the fund and replenish as it is used. My thinking though is that is anything really being sacrificed except from savings goals? Doesn't just taking out 100 from the e fund and puting in 100 into the car fund just effectively make it all e fund anyway? Either way planning out car expenses is good and all but the car maintenance fund is kind of a miss on that end especially with the free oil changes and what not. I think we'll be good on groceries at least this month. May may need $400 not sure yet. I don't feel like we're close to going without or something we had really good St. Louis ribs on Saturday for example. Baby bill we're still waiting on we're getting some smallish bills but we're still waiting on the big one(s). Bugamol we don't have Uber here in Reno: http://www.lasvegassun.com/news/201...mpaign=mostRead One taxi ride to somewhere in town and back I'd probably be looking at $70. Can't take the bus it doesn't run out here. I think those are all job titles I could feasibly qualify for at the moment (probably more getting even more nicheish): http://www.indeed.com/salary?q1=software+developer&l1=Reno%2C+NV - $77,000 http://www.indeed.com/salary?q1=dynamics+ax&l1=Reno%2C+NV - $83,000 http://www.indeed.com/salary?q1=mobile+developer&l1=Reno%2C+NV&tm=1 - $83,000 http://www.indeed.com/salary?q1=full+stack+developer&l1=Reno%2C+NV&tm=1 - $86,000 Dynamics AX opens more opportunities if I stay at my current place of work as I've mentioned before. I'm scheduled for a convention through later this year that will entail some huge changes. I do think it's something to consider since as you can see it's one of the higher paying of the titles. And it leads to AX Project management/architecture which pays very very well edit 2 for example: http://salary.careerbuilder.com/Dynamics-AX-Solutions-Architect/ - $153,000 e: cut the titles down and displayed the salary next to the link for quicker analysis. Knyteguy fucked around with this message at 23:54 on Apr 13, 2015 |
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Apr 13, 2015 23:07
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I don't know poo poo about tech jobs so I'm not going to bother looking at postings. I say you get your efund up, whore your resume out like it's your job as of today, and work toward a new job ASAP. If you land the job before you have a car, take 1-1.5k out of the efund and pick up a nice* Japanese ecobox. Do the job hunting first, and then figure out the transportation. Serious question(/derail) do you wear suits to IT jobs? I wear one a few days a week (usually 4 - by choice) as an accountant so it's expected to wear one for interviews, but in IT it seems people fall over each other to look sloppy as hell...what does this mean for interview attire? *serviceable, with a clean enough PPI.
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Apr 13, 2015 23:32
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SiGmA_X posted:I don't know poo poo about tech jobs so I'm not going to bother looking at postings. I say you get your efund up, whore your resume out like it's your job as of today, and work toward a new job ASAP. If you land the job before you have a car, take 1-1.5k out of the efund and pick up a nice* Japanese ecobox. Just salary data not job postings. I'm not so worried about getting to and from the job since it would instantly be a justifiable expense as stated. I'm more concerned about getting to interviews since my wife's schedule is erratic from week to week. Interview attire I just wore slacks with a belt, oxfords, and a button up last time. I have a nice suit that I'd like to wear but I think it'd be considered overdressed yes.
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Apr 13, 2015 23:37
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OK I apologize for all the posts in a row, but deciding to look for another job is a big thing and I'm pretty lost. I could probably swing this or similar: http://www.careerbuilder.com/jobseeker/jobs/jobdetails.aspx?showNewJDP=yes&Job_DID=J3K39077QT6NLF0ZX01 I have a contact with the recruiter already as they've contacted me in the past. And then a potential future in this: http://www.careerbuilder.com/jobseeker/jobs/jobdetails.aspx?showNewJDP=yes&Job_DID=J3H0196TX6PKJW1RQ8X That's one of the reasons I keep mentioning staying at my job could be prudent. This is my day job right now (mostly).
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Apr 14, 2015 00:02
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If you honestly believe you can pull in a job making $100k-$130k a year and you're sitting on your rear end making $60kish or whatever right now. I mean. Go get that job. I don't understand how it's even a question. You could potentially double your income. I don't know enough about your job market to know how competitive a job like that would be or if you even qualify, but if you qualify there is literally no reason you shouldn't be applying to try and get yourself a 60-110% raise.
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Apr 14, 2015 00:23
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SiGmA_X posted:Serious question(/derail) do you wear suits to IT jobs? I wear one a few days a week (usually 4 - by choice) as an accountant so it's expected to wear one for interviews, but in IT it seems people fall over each other to look sloppy as hell...what does this mean for interview attire? At my company in Austin, we have a very casual day to day dress code for R&D employees--marketing and sales are different, but I'm a software project manager and today I'm wearing a metal band t-shirt, jeans, and sneakers. That said, we always expect our invite candidates to wear business formal attire if they interview with us. Once you start the job, it's far more relaxed..
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Apr 14, 2015 00:25
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Bugamol posted:If you honestly believe you can pull in a job making $100k-$130k a year and you're sitting on your rear end making $60kish or whatever right now. I mean. Go get that job. I don't understand how it's even a question. You could potentially double your income. I think I'd have a shot. I don't think it'd be a for sure thing. However I do have 2 years of experience with that stuff... so, maybe I could I don't know. My boss didn't originally plan to teach me this stuff because he said he could never keep me, but necessity meant that I ended up doing billable work for it. He bills my time @ $150/hr when we work with clients (admittedly more rare lately as our main client just covers my salary and benefits). As far as competition frankly most developer code I've seen in these multi-million-to-billion dollar companies is pretty poo poo. But the job isn't just about code of course. Yea alright I'll dust off the old resume. Maybe I could get something like that. I'm not going to be cocky that's a lot of money (really I think what I make is a lot of money). I'll see what happens though. Worst case scenario is I stay at my current place for a longer period and better my skills to get a job like that in my 30s which was kind of my plan. But for real low expectations and my main focus is going to be spending habits I don't want to get my or anyone elses hopes up or something stupid.
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Apr 14, 2015 00:36
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Dust off your old resume? WTF...update the drat thing! Polish it. Share it here for our review! Hell even consider paying the money for the SA Mart resume review! If you are being underpaid by 40k in the software industry, you are RETARDED not to look. However, this is where its going to become tough. You are currently making so low, that they will ask how much you make, and you will tell them(and lie by 10k) so you might see a 20k raise. Seeing a 40k raise in the software industry is pretty rare short of moving from point A to B. However, you also could easily tell the recruiter that you make 70k and get a jump to 80k. This would still be a significant improvement in your life.
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Apr 14, 2015 01:48
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lord1234 posted:However, this is where its going to become tough. You are currently making so low, that they will ask how much you make, and you will tell them ...that this is confidential information, so that you don't give them all the negotiating power by knowing both what you make and what they were willing to offer you before realizing they can now lowball you. If they ask you to name a desired salary first, that's where things get more tricky. You want to shoot higher than you were hoping to get, but not to the point of being laughed out and rejected all together. They'll only come down from the number you give, so don't start with your actual goal salary. Start higher.
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Apr 14, 2015 03:38
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Why are you looking at jobs in other cities/states when half of your posts have been about not wanting to move/wanting to live as close to your family as possible? Also Boston is one of the most expensive cities in the US, so I'd imagine if you're having trouble with debt in Reno, Boston might not be a great idea.
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Apr 14, 2015 03:55
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If you can't stick to a budget in Reno, What makes you think you will be able to stick to a budget in a much more expensive city? Going out is just that much worse on the nights you don't want to cook. Let me tell you about buying food in Seattle. Can't buy a loving hotdog at lunch with out spending $10 in downtown ffs.
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Apr 14, 2015 06:45
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Knyteguy posted:Dogs has way more income and available money each month than we do. Plus we have an emergency fund prioritized rather than debt payoff. We could practically get the car out from underwater or pay off both my student loans right now. Please stop comparing. But you are the one who reaffirmed your lofty goals to me. I asked if your goals were more modest in nature. You replied that you wanted to try out for the State track team, rather than just walking 3 miles without collapsing. Well, if you wanna try out for State, you gonna cut out the morning's donuts *AND* stop chomping down an entire pizza. Increase your efforts or cut back your goals. Your current level of effort is incompatible with your stated goals. [BFC loves Dogs and you equally. There are no favourites.  ]
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Apr 14, 2015 07:54
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SpelledBackwards posted:If they ask you to name a desired salary first, that's where things get more tricky. You want to shoot higher than you were hoping to get, but not to the point of being laughed out and rejected all together. They'll only come down from the number you give, so don't start with your actual goal salary. Start higher. Q: How much do you make? A: That's a great question. As you can see from my CV, I have significant experience in X, Y, and Z, so I'm looking for a salary commensurate with my qualifications. Q: What's your desired salary? A: Honestly, right now what I'm most concerned with is fit; a great salary is available almost anywhere, so my priority is making sure that the culture and environment of this company is a match with mine. Q: No really, how much do you want? A: You're in a much better place to tell me how much I'm worth to your organization.
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Apr 14, 2015 14:49
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I recall a goon here a while back offering to help Knyteguy do some mock interviews. How did that go? If Knyteguy actually follows through with a mock interview, I would be willing to review and provide feedback on a resume, and maybe, MAYBE if there is motivation on Knyteguy's part I would do some more in depth coaching on interview skills (not the technical stuff because its not my background, but I'm sure he needs whatever help he will take). As someone who went from making $60k to $120k in a ~12-18 month timeframe, I understand the opportunity and the challenge.
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Apr 14, 2015 16:32
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Mango that was Cicero who gave me the mock interview which was very helpful. I think about what I learned from that often. On the technical side I know what I have to do. I'd absolutely appreciate some resume input. Plus more information on your experience moving from $60k -> $120k would be really interesting as well. Any help anyone is willing to offer I'd be extremely appreciative of. I'm not necessarily looking to move everyone, and especially not to expensive cities. I'm posting these as examples mostly. There is some remote work in this industry. I RDP into the corporate office in TX every day for example. Here's a job posting I just found in Dallas which isn't too expensive right?  2 years experience required that's what I've got... Thanks for the help everyone. I'm pretty motivated now that I'm seeing jobs like this that I feel I can compete for. I thought I was looking at a $7k raise or something by moving jobs; nothing like this. e: clarity Knyteguy fucked around with this message at 17:33 on Apr 14, 2015 |
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Apr 14, 2015 17:23
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Oh and I'm thinking of making an offer on this for $800: http://reno.craigslist.org/cto/4978217364.html It's probably going to be sold quickly. Anyone have input? 120,000 miles it seems like a steal. But I also don't want to jump into something. Knyteguy fucked around with this message at 17:27 on Apr 14, 2015 |
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Apr 14, 2015 17:25
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Why in the everliving gently caress are you even looking at cars.
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Apr 14, 2015 17:34
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Veskit posted:Why in the everliving gently caress are you even looking at cars. My sister who is driving me to work and picking me up is giving me some big hints (she keeps sending me cars including the one I posted). If I walk or ride she has to work potentially an hour longer. If not she has to at least pick me up and drive me home.
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Apr 14, 2015 17:36
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Knyteguy posted:My sister who is driving me to work and picking me up is giving me some big hints (she keeps sending me cars including the one I posted). If I walk or ride she has to work potentially an hour longer. If not she has to at least pick me up and drive me home. You have a bike, you have an underwater car, you can't maintain a budget and you can't afford a car. It's really simple, you can't afford a car. Stop looking at cars.
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Apr 14, 2015 17:37
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Veskit posted:You have a bike, you have an underwater car, you can't maintain a budget and you can't afford a car. It's really simple, you can't afford a car. Stop looking at cars. 45 minute bike ride (5 miles through hilly neighborhood), 45 minute walk (3 miles on the highway). One way. 4 days a week that's potentially 4 hours extra my sister has to work and she's not liking picking me up every day. I don't want a car I think I need a car. It's not a matter of character right now it's a matter of time. I'm trying to work with what I've got right now.
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Apr 14, 2015 17:41
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Wait wait wait, why does your sister need to pick you up if you have a bike you can ride to and from work I'm so confused.
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Apr 14, 2015 17:45
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Either PM me your resume or a link to same, or just post a link here in the thread. I personally think formatting is important, so just posting the text would probably not be sufficient to do a full review (I have seen a LOT of interesting formatting lately). Have you memorized and mastered responses to the Google Interview questions yet? If not, get on that. If you practice those kinds of questions, your actual interviews will be much easier.
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Apr 14, 2015 17:46
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Veskit posted:Wait wait wait, why does your sister need to pick you up if you have a bike you can ride to and from work I'm so confused. She's our babysitter (only 1 sister). So if I ride my bike or walk from work she has to watch 2 newborns nearly an hour longer every day while I get home. I wouldn't be considering it if it wasn't affecting her as both my sister and our babysitter. Ultimate Mango posted:Either PM me your resume or a link to same, or just post a link here in the thread. Alright cool, thanks a lot. I can't find my actual editable resume so I may have to start from scratch. I spent as much time as I could last night on getting resume info together (projects etc), but I had the baby by myself all night. Tonight I should have some more time to get things rolling. No I haven't on the Google questions. Being Google though I'm sure they're extremely technical, so I'll try working them out on the whiteboard to see where I stand at the moment. Thanks for the idea.
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Apr 14, 2015 17:56
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Knyteguy posted:She's our babysitter (only 1 sister). So if I ride my bike or walk from work she has to watch 2 newborns nearly an hour longer every day while I get home. loving Knyteguy everyone.
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Apr 14, 2015 17:59
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Knyteguy posted:45 minute bike ride (5 miles through hilly neighborhood), 45 minute walk (3 miles on the highway). One way. 4 days a week that's potentially 4 hours extra my sister has to work and she's not liking picking me up every day. I don't want a car I think I need a car. It's not a matter of character right now it's a matter of time. I'm trying to work with what I've got right now. This is why everyone pleaded with you to work out the *exact* details, and generate a babysitting contact with your sister. You cannot afford another car, period. You're either going to have to pay your sister for the additional time or just work out a better system of ride sharing with your wife.
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Apr 14, 2015 18:01
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I thought the whole point of you moving to where you moved was because you only needed one car. I would do some serious math on cost of babysitting + cost of second card / insurance / maintenance / registration / etc. versus how much your wife is really "taking home" from working before you buy a second card.
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Apr 14, 2015 18:01
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No guys, see, childcare won't be expensive because my wife's sister will help out! one month later Hey guys, so we're paying her to watch the kid but it's not that much. two months later Hey guys, so I need to buy a car *punches wall with head*
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Apr 14, 2015 18:03
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Veskit posted:loving Well shoot man give me an alternative. I don't feel like I'm being unreasonable. I just posted a 1995 Ford Escort ffs. It's not exactly my dream car. Robo Boogie Bot posted:This is why everyone pleaded with you to work out the *exact* details, and generate a babysitting contact with your sister. You cannot afford another car, period. You're either going to have to pay your sister for the additional time or just work out a better system of ride sharing with your wife. My wife's work is a poo poo show and they're changing her schedule daily. More so than any other time. It's causing us huge problems beyond even just the ride situation right now. She's also going to revamp her resume but it won't be a quick thing to change.
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Apr 14, 2015 18:04
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Knyteguy posted:She's our babysitter (only 1 sister). So if I ride my bike or walk from work she has to watch 2 newborns nearly an hour longer every day while I get home. Are you saying you didn't know what time you typically get home when you talked to your sister about time frames?
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Apr 14, 2015 18:04
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OneWhoKnows posted:Are you saying you didn't know what time you typically get home when you talked to your sister about time frames?
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Apr 14, 2015 18:06
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Hey everyone I hosed around for over a year in this thread, and listened to everyone's advice. that doesn't mean I retained any of it or executed even a quarter of what you said, but I listened god damnit. I'm not being unreasonable I'm just trying to fix a situation that I made by myself with NONE of your help so loving help me out guys gently caress. My sister is getting angry guys! What was, well not was we can't go back in the past, what AM i supposed to do?!?!
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Apr 14, 2015 18:07
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Knyteguy posted:She's our babysitter (only 1 sister). So if I ride my bike or walk from work she has to watch 2 newborns nearly an hour longer every day while I get home. So once again, a situation that you've known about for months is suddenly an emergency requiring a large outlay of cash. Never change, KG.
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Apr 14, 2015 18:08
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I DONT EVEN WANT THIS PIECE OF poo poo CAR GUYS.
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Apr 14, 2015 18:08
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Bugamol posted:I thought the whole point of you moving to where you moved was because you only needed one car. Nah no way we're still about 2 weeks ahead considering insurance and HSA. Plus her staying home would hurt her future earning potential. OneWhoKnows posted:Are you saying you didn't know what time you typically get home when you talked to your sister about time frames? My wife's schedule keeps changing that's kind of the problem. Instead of 7 hour days she's working 8 hour days (randomly with little notice). Or longer. We talked about transcription again this morning, but I think she got bummed out from getting rejected from the big company who does it.
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Apr 14, 2015 18:09
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