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haplesscardsharp posted:You only have your car loan left, correct? Yes. 1.9% at $15 700. The debt repayment pool is sitting at $10 800. Any month now!
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Dec 2, 2013 22:18
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That is super cool, what are your financial plans once that's done? Sock it away for a rainy day? Aggressive retirement savings? Doesn't make much sense to buy a house until you're done with school and have a better idea of your future career and where you'll land.
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Dec 6, 2013 01:02
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We're going to keep aiming for 50-60% savings in order to achieve financial independence by 30-35. There are lots of things we have in mind. Most important, we want to have child(ren), though I'm leaning heavily toward adoption. We also want to travel pretty extensively, living in other countries and such, so I'm not sure if homeownership is for us yet. We have a small plot of land to improve (with a yurt and permaculture) and use as a home base, but living on a sailboat might be our version of homeownership. Who knows. More financially, it's possible that we might end up with a lot more wealth than we need because I intend to teach forever, so I'd like to set up a small scholarship or bursary in my thirties. Toeshoes will probably end up going back to school for nursing or police studies or maybe dietetics. She'd rock at any of those things, but nursing would be pretty sweet combined with my teaching for traveling around.
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Dec 6, 2013 01:32
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And all this sounds lofty and good, but we have a ton of wants too. Like a laptop, tv, laser eye surgery, iPad, it goes on. Our consumer desires know no ends. Saving for this stuff if we want it and reconciling the philosophy of that insatiability will be problematic forever.
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Dec 6, 2013 01:44
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tuyop posted:Saving for this stuff if we want it and reconciling the philosophy of that insatiability will be problematic forever. This is the human condition. We can't take it with us, but somehow we want our legacy to live on forever.
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Dec 6, 2013 04:22
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I cannot understand the appeal of an iPad. I don't understand what it allows you to do better than a laptop. It's just... shiny? A TV, however, is a different matter entirely - to watch a movie on a large TV in a dark room in HD is a very different experience from watching it on a laptop. Some objects do enrich your life by being things that you use on a regular basis. They are worth owning on that basis, and attempting to not desire them is fairly pointless unless you're becoming actively ascetic for some reason (which, to my mind, is different from frugal). I think that your consumer desires do have an end, and if you really figured out what you want to own and sat on that list a while you could have a plan to be done with it. There's no reason for you to live in tension your whole life. My assumption was that the point of all this was to live the best life possible.
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Dec 6, 2013 04:33
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iPads are awesome. They let you do lots of things in lots of places and positions, and they make doing these things pleasant. It's way more fun to use an iPad to browse the web or watch a TV show on a bed or couch than it is to use a laptop. Their portability/mobility in general is just far better than a laptop.
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Dec 6, 2013 05:26
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We're still having he tablet vs laptop debate? One isn't a replacement for the other. If you can't think of good uses for a tablet, then you're not thinking hard enough. I really don't need a laptop ever again. Tablet and desktop for me. Then again, some people are still angry that the command line was phased out of common usage. 
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Dec 6, 2013 05:54
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Guys, guys, certainly we can agree that tuyop should cover his bases by buying both.
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Dec 6, 2013 07:45
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I want one for reading PDFs, which I kind of use my phone for now but nicer. Also, shiny. And games.
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Dec 6, 2013 13:32
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tuyop posted:I want one for reading PDFs, which I kind of use my phone for now but nicer. Also, shiny. And games. The part that you can excise from your brain is reason 2, as it is pure fetishism. Old Fart posted:Then again, some people are still angry that the command line was phased out of common usage. No Wave fucked around with this message at 13:43 on Dec 6, 2013 |
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Dec 6, 2013 13:40
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No Wave posted:Reason 1 is ok, reason 2 is TERRIBLE, reason 3 is ok Well I guess it's a good thing that reason 2 was a joke. It's seriously off-topic but tablets are great for producing some stuff. Like education. The amount of times I've been tutoring or doing group work and I wished I could just pull up a mind mapping app or whiteboard or something to work through a problem with have me pretty much sold. Many high schools here have hundreds of iPads, though. So maybe I'll never have to buy one. Also, I was volunteering at a junior high school yesterday for an LGBTQ-rights awareness group and part of the exercise was to have the students make assumptions about you, students kept guessing that I was a teacher. 
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Dec 6, 2013 13:58
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tuyop posted:Also, I was volunteering at a junior high school yesterday for an LGBTQ-rights awareness group and part of the exercise was to have the students make assumptions about you, students kept guessing that I was a teacher. 
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Dec 6, 2013 19:16
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tuyop posted:It's seriously off-topic but tablets are great for producing some stuff. Like education. The amount of times I've been tutoring or doing group work and I wished I could just pull up a mind mapping app or whiteboard or something to work through a problem with have me pretty much sold. Many high schools here have hundreds of iPads, though. So maybe I'll never have to buy one. That's consuming. That is, the tablet is consuming content (applications) already produced by someone else, rather than being used as a tool to create content. OK yes, you can send a tweet or draw on a whiteboard with a tablet, but it's considered very lightweight. There's nothing wrong with tablets being designed to consume, mind you, it's just a worthy distinction, particularly for idiots who have been proposing (for the better part of a decade now, actually) that tablets are going to replace laptops. The reality is that they are useful things in their own right, because of being very lightweight and portable and having long-lasting batteries, but if you need to create significant amounts of content (like, with a word processor, or a photo editor, or a programming API) a keyboard is still indispensable. (And yes, I know some tablets have detachable keyboards, and that makes them hybrids - sort of a laptop, sort of a tablet. The keyboard is always a compromise in portability and weight.) I have a desktop PC, a laptop (supplied by my employer), and a Kindle Fire for a tablet. I use each of them for different tasks and would not want to get rid of any of them.
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Dec 6, 2013 19:28
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No Wave posted:I cannot understand the appeal of an iPad. I don't understand what it allows you to do better than a laptop. It's just... shiny? This is a rather close minded view. Not everybody is going to want what you want. I have no space for tv in my life, and it just doesn't appeal to me. The argument that you can't program on a tablet means nothing to non-programmers, and a TV is the most ultimate tool for consumption over creation. I mean, tuyop wants both, but you can't just say one is an absolutely better choice.
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Dec 6, 2013 19:41
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Well the real compromise in my mind is in efficient consumption. It's true that you can find a use for a tablet, larger tablet, TV, desktop computer, laptop, smaller laptop, smartphone, handheld gaming system, iPod Classic, ebook reader, car GPS, hiking GPS, DSLR, point and shoot camera, rugged video camera, camcorder, and so on. And convergence can only mitigate so many of those uses. I just dislike how I have to keep a concept of "enough" in the forefront of my mind for pretty much forever. I don't think I'd like it another way, it's just a nuisance personality trait I guess.
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Dec 6, 2013 20:57
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tuyop posted:I just dislike how I have to keep a concept of "enough" in the forefront of my mind for pretty much forever. I don't think I'd like it another way, it's just a nuisance personality trait I guess. This statement beautifully summarizes the entire thread. It is the fundamental thing you ever had to learn. It's what we all do, Tuyop.
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Dec 6, 2013 23:27
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It'll stop tuyop, once you get okay with yourself. I've been kind of a poo poo to you but I've struggled with anxiety and panic disorders myself, in the same way you've struggled with your conditions. I think the two are very closely correlated. I think if you can start valuing yourself enough to deal with some of your psychological issues, you'll see this subside.
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Dec 8, 2013 00:06
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I just want to point out to everyone that Tuyop is not the only goon thinking of the composting toilet, and that Australian poster Cartoon is in fact living the dream. http://forums.somethingawful.com/showthread.php?threadid=3582735&userid=0&perpage=40&pagenumber=101#post422974853
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Dec 10, 2013 04:10
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HookShot posted:I just want to point out to everyone that Tuyop is not the only goon thinking of the composting toilet, and that Australian poster Cartoon is in fact living the dream. That's not a shitbucket, it's the Australian politics thread. An easy mistake to make, really.
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Dec 10, 2013 04:18
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FrozenVent posted:That's not a shitbucket, it's the Australian politics thread. I'm not going to argue with you there.
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Dec 10, 2013 04:19
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That's not a shitbucket, that's just a goddamn hole in the ground. What a barbarian! Seriously though that's a good way to propagate hookworm if used by infected populations.
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Dec 10, 2013 04:26
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tuyop posted:That's not a shitbucket, that's just a goddamn hole in the ground. What a barbarian! Seriously, I've heard of hookworm in suburban schoolchildren, and they're not even using the hole in the ground method. 
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Dec 10, 2013 04:45
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Wow, that was gold. That one dude seems to really be offended by it. And maybe it's thanks to this thread, but all the time I'm wondering why people are having such a strong reaction. What, they've never heard of such a thing?XyloJW posted:strip down naked, blast a duke, and let out a primal scream as nature washes away your sin
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Dec 10, 2013 04:58
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So hey, thread. I haven't forgotten about you guys! Progress is coming along but toeshoes was put in charge of moving the internet over and we still don't have it, four weeks later! Any week now, probably, there will be some hardcore shame numbers or pride numbers. 
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Dec 29, 2013 01:35
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tuyop posted:Any week now, probably, there will be some hardcore shame numbers or pride numbers. Schrodinger's bank account.
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Dec 29, 2013 03:46
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Share with us your yurt blueprints. Make sure to leave room for the BASIL garden.
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Dec 29, 2013 19:33
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Happy New Year! Tell us your goals, Tuyop!
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Jan 5, 2014 01:40
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Trilineatus posted:Happy New Year! Tell us your goals, Tuyop! You too, guys! Goals: Pay off car. Go hog wild. The car loan will be paid off when I get paid around the 21st.
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Jan 5, 2014 01:54
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So, a sweater vest and an Edmonton penthouse?
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Jan 5, 2014 02:33
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Trilineatus posted:So, a sweater vest and an Edmonton penthouse? Well, a trip to Cuba in April to hang out with family in a village where they have local friends is in order. No need to budget for it, I have a random bonus coming in against all odds!
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Jan 5, 2014 02:41
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tuyop posted:Well, a trip to Cuba in April to hang out with family in a village where they have local friends is in order. No need to budget for it, I have a random bonus coming in against all odds! Been working overtime haven't you? Once the car is paid off you should treat yourself to some opera season tickets.
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Jan 5, 2014 02:48
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FrozenVent posted:Been working overtime haven't you? I picture Tuyop as some sort of bearded deranged northern yurt-fancier, in which case, Tuyop, go to the opera and take pictures for us. Be sure to ride your bike there and leave your suit cuff rolled up to your shin.
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Jan 5, 2014 02:53
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FrozenVent posted:Been working overtime haven't you? Are the required barbiturates categorized as "family fun money" or "pharmacy"?
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Jan 5, 2014 02:55
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tuyop posted:Are the required barbiturates categorized as "family fun money" or "pharmacy"? Roll it up in the BASIL category.
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Jan 5, 2014 02:57
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Trilineatus posted:I picture Tuyop as some sort of bearded deranged northern yurt-fancier, in which case, Tuyop, go to the opera and take pictures for us. Be sure to ride your bike there and leave your suit cuff rolled up to your shin. Well you're right about one thing.  Yes, that is authentic Northern snow from the desolate tundra of Edmonton in my Decembeard, thank you.
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Jan 5, 2014 03:06
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tuyop posted:Well you're right about one thing. Snort that poo poo yo. Or go sledding. Sledding in powder, how baller is that?
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Jan 5, 2014 03:28
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For all that I disagree with the compost toilet idea and I think you sound totally manic... It's really, really great that you've made it so far with your finances. The car is almost paid off and you've managed to have a wedding, start training for a job you actually want, and everything else in the meantime. It's a real accomplishment. I hope you do well going forward with your savings goals and that you and ToeShoes have a happy life with rooms full of hydroponic basil.
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Jan 5, 2014 03:42
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I do love beards  Just wanted to say though, Tuyop, your thread's been an inspiration and your comments in the Tell us stories about people who are bad with money thread really helped me make some better decisions. I traveled to Australia last summer on credit cards, and was going to repeat that mistake again going to Costa Rica (and footing the bill for a friend to come) in March, and you straight up laughed at me and I thought to myself "the dude who everyone said was mentally deficient for traveling too much just laughed at my travel plans... motherfucker." I cancelled those plans and what do you know, some emergencies struck that would have ruined me if I'd used my liquid cash for plane tickets. And though I'm not in a position to get out of debt quickly, lowering my money stress helped me complete an excellent semester of grad school which I graduate in June and hopefully land in a 60K+ a year position from. Shine on, you crazy diamond.
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Jan 5, 2014 03:46
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Just wanted to chime in and join everyone else saying that the progress you've made has been great.
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Jan 6, 2014 06:56
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