Goons Getting Ahead: Incremental Improvments BFC Edition

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Goons Getting Ahead: Incremental Improvments BFC Edition

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

EAT FASTER!!!!!! posted:

As far as incremental improvements BFC, how did everyone do with the holidays? We overspent but not by more than $100, which I consider to be a resounding success.

I switched to a slightly less expensive cell phone plan, they lost my order, reimbursed my phone, sent me another, and reimbursed the phone I bought out of the store. (If anyone wants a new iPhone, pm me)

I've cut down on eating out by bringing my lunch most days, and stopped going over my coffee budget by reading at home more.

I also have some contract work coming in on the side that will have a higher hourly than my salaried job.

December has been pretty good.

Might splurge and buy a game that's on sale on steam. Maybe not though. :shrug:

# ¿ Dec 23, 2016 18:48

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# ¿ May 5, 2024 10:03

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

Reading IRA chat reminded me to just move $5500 from checking. Thanks thread.

# ¿ Jun 23, 2018 21:45

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

Doubling my comp. :getin:

# ¿ May 14, 2020 02:13

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

Beach Bum posted:

This'll probably be my last post in here for awhile, but for the best reason.

I had a bunch of CC debt and a car payment, which I have been working at on and off for the last 4?-ish years. I had a thread that died, and nearly two years ago I got back on the wagon and started grinding, hard.

In June 2019, I had just over $18,000 of debt between the car loan and the credit cards.

As of today, I am net positive on my regular accounts, and only have my mortgage remaining.

I was unfortunately laid off this month, but due to my diligent budgeting and reduced spending over the last two years, along with a healthy severance payment, I now have a net worth of about +$5,000 on my non-investment rear end, and I haven't even gotten my first unemployment checks. I have an excellent interim gig as a cabinetry carpenter's assistant/apprentice, a couple other private side gigs bringing in semi-regular income, and an almost unbelievable offer in the industrial power generation industry which will land me a 25% increase over my last salary, starting in Q4.

# ¿ Apr 16, 2021 11:59

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

YeahTubaMike posted:

I finally reached five figures in my emergency fund!

Remember that when you get to six figures in emergency fund that means you forgot to manage investments

# ¿ Aug 24, 2022 22:17

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

Beach Bum posted:

Been living on 25k/yr the past two years after leaving a shitbird employer who then sued me, for which I've paid a lawyer $15k (in part thanks to a HELOC). Finally got a full-time position again, tasked with pretty much entirely restructuring the distribution center operation, got a $4/hr raise out of it because I know fuckin' everything and nobody else knows poo poo, getting a fuckton of overtime

and now I am so loving close to being back in the black, though I'll still need to hit up my HELOC for another $20k to pre-pay the attorney's trial hours At least I got a baller fuckin' interest rate (3.99)

I cannot wait until February when all this poo poo is over and done with

JFC. _trial_ hours? Wtf does your former employer think you did? I hope it's more expensive for them than it is for you.

Will you at least be able to recoup costs if it goes in your favor? :ohdear:

# ¿ Dec 11, 2023 15:36

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

Awkward Davies posted:

My wife and I passed the $1m mark this past year.

It's a weird feeling. I've been working in the same career for over a decade now. My longest period of unemployment was 6 months when I moved across the country, otherwise I've been continuously employed the whole time. I've been consciously saving and learning about personal finance and investing for something like 8 years now, so it's something I've been working towards and I feel like I accomplished something. But at the same time I was assisted hugely by an unnecessary education fund, a generous grandmother and the sale of a family business, so it's not like I earned it all myself. It's also not something I feel okay talking about with people IRL. I feel this weird combination of accomplishment tinged with shame.

Money is endlessly confusing. We have a million dollar net worth, but feel like the poor couple amongst our friends. We still rent, our apartment is large but run down, we only have one car, my wife makes less than $20k a year, I can't reasonably see buying something where we live, in one of the most expensive cities in the country. Many of our friends own $1-2 million houses, drive nice cars, have fancy clothes, fancy jobs. Sometimes I wish I could just ask "How the gently caress do you do it? Are you not saving? Do you just make way way more than we do? Do your parents help? What's going on here?"

At the same time, I know the stats. We're somewhere in the 5-10% of people in the country. We're far above the median net worth for most families, even farther for historically disadvantaged folks like Black families. We also have friends where we're the rich friends. We are factually extremely well off. It's odd to feel so rich but also comparatively poor at the same time.

I'm also aware of how precarious life can be. My wife had breast cancer in 2021. We were incredibly fortunate that I was employed with good health insurance and we were able to get through that. It fundamentally changed both of us, and while she is currently NED, we're both still recovering emotionally three years later. So, I'd like to save more, but also gently caress it, we have to live now. My wife is convinced she is going to die young. How can you really scrimp and save with that on your mind?

Anyway, sorry for the E/N portion of this post. I haven't really posted about this elsewhere on the Internet and I saw people do it in this thread so here we are.

Congrats. We didn't even realize when we hit the milestone. It's one of those things where it's objectively a lot but it's not enough where we can stop working/etc.

There's always someone richer. And a lot of the people who flaunt money are actually massively in debt and barely holding on.

# ¿ Jan 9, 2024 17:04

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

Brain Curry posted:

Sup fellow 1mm net worth and breast cancer survivor! We are still trying to fully integrate the desire to live now and not defer our dreams for a time that may never come. So far she’s reduced her hours and stress at work and traveled more, but everything else is the same.

I do feel like we could stop saving for retirement if we wanted to and still retire with millions since we have 20+ years unless we want to retire early. Seems like as long as we don’t touch our retirement savings we will be OK, but right now I’m contributing 75% of my paycheck to my 401k in case I get laid off or quit later this year.

401k money is usually locked up :confused:

if i was expecting an issue, id save into a brokerage account or HYSA or short-mid term treasuries

you do you tho

# ¿ Jan 9, 2024 21:00

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# ¿ May 5, 2024 10:03

leper khan: Dec 28, 2010; Honest to god thinks Half Life 2 is a bad game. But at least he likes Monster Hunter.

dreesemonkey posted:

After some napkin math, it appears that my wife and I (41M, 40F) have broken the $1m net worth barrier.

congrats. it probably doesnt feel any different

# ¿ Apr 12, 2024 01:05

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Goons Getting Ahead: Incremental Improvments BFC Edition