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Jastiger posted:I'm going to see how she handles the next paycheck with my big ole commission on it and act from there. Do you see this sentence? This is a terrible, terrible way to go about a relationship. You know you have issues, why are you leaving a trap in the open and then waiting until your partner steps in it? Get in front of this poo poo first. Sit down and have the discussion that you badly need to have. Try to do it in a neutral setting with no blame games or finger pointing. You're both in this together, so each of you needs to contribute equally to your success. Nocheez fucked around with this message at 15:06 on Jun 4, 2014 |
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Jun 4, 2014 15:02
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Weatherman posted:One should not post when one is mad about things. Retracted. Do I want to get probated for backseat modding or something? I didn't even post content! Rather than striking out the offensive remarks, you should remove them. I feel like I'm bad with money lately. I live 500 miles from my rather large family. They live in the same town I grew up in, but it's only a 7 hour trip to come visit. When they do it's a vacation for them, but it's my normal time. I end up going out to eat, golfing, and doing more touristy things when they are around. It sucks because I try to plan for it, and it's not right to pay for it out of my family vacation budget. I just end up spending my fun money and not being able to save for bigger things. 
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Jun 5, 2014 12:48
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dreesemonkey posted:Enjoy your time with family while you can, you can always buy things later. I know this, and accept it. My dad was diagnosed with stage IV-C cancer a month ago, and I'm definitely understanding that there's more to life than good financial decisions.
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Jun 5, 2014 16:17
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It almost sounds as if you two aren't on the same page and are feeling resentment towards each other. You would benefit from some counseling and open lines of communication. Lots of "money problems" are really relationship problems that need addressed first. Sit down and figure out your short term and long term goals are. Figure out how to achieve both, and then hold each other accountable. That doesn't mean you scream at each other, you just make sure you both are staying on the same page.
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Jun 5, 2014 19:01
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moana posted:It's me, I'm the bad with money.
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Jun 7, 2014 04:42
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My wife and I were driving around yesterday and decided to stop at Big Lots. They have furniture in this store and I was looking at the financing poster board they had up. For every $1000 borrowed, you can make 52 weekly payments of around $44, or 27 bi-weekly payments of around $78. This works out to For the privilege of getting your Big Lots furniture you pay around 100% APR financing. I have been very happy with the sectional we bought from Big Lots over 4 years ago, but I wouldn't have paid double for it. How this is legal in my state, I have no idea.
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Jun 9, 2014 22:00
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Thank you for stopping the tuition chat and that story. Holy poo poo, I just can't imagine what it must be like inside her head  Do you have any pics of the first Ferrari? Before or after, but preferable after.
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Jun 13, 2014 19:23
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Lowness 72 posted:I MUST DRIVE A FERRARI. NO ONE CAN STOP ME. For $5,000/mile you should get to drive a Bugatti Veyron or something of that caliber. VVVVVV Please take the tuition chat to another thread or start one. Nocheez fucked around with this message at 19:34 on Jun 13, 2014 |
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Jun 13, 2014 19:29
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nickutz posted:That isn't the point at all. Do anything you want if you can afford it. I bought the automotive equivalent of a gaming rig (a Miata) but I still use it for grocery runs, to take my mountain bike to the trail head, etc. I can't imagine having a computer dedicated solely to gaming.
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Jun 19, 2014 04:00
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Relationships must have a strong foundation of trust. Sure, everyone makes mistakes, but get actions show a willful disregard for financial well-being. The number one thing couples argue about is money. I would probably consider this a huge red flag and end the relationship.
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Jun 20, 2014 13:33
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MrKatharsis posted:Ring tattoos are $25+tip and can't get caught in machinery. Y'all are bad with money. Mine was a $10 (Shipped!) tungsten band on eBay. You're bad with money  Oh god let's not talk about my wife's ring
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Jun 21, 2014 15:09
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mastershakeman posted:I certainly hope you don't think defaulting on payments (mortgage, credit card, student loans) or declaring BK means you shouldn't be licensed to practice law. That's pretty ridiculous. I think not paying a dime against your loans shows a lack of ethics, and should be considered for disbarment.
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Jul 3, 2014 20:01
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Anyone who walks away a richer person after dabbling in Bitcoin is a winner. The market will eventually crash and they will be worthless.
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Jul 8, 2014 14:06
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The Door Frame posted:No, I wanted an 08 BMW, I had the perfect one in line, with the right engine and everything. It just sucks to pull up next to a brand new car in my beat up civic and manually roll up my windows Once you stop tying in your self-worth with the perceived notion that anyone else cares about what you drive, you'll be a much happier (and wealthier) person. My fun car is a $3,500 '99 Miata. I bought it just for me, because I enjoy driving a cheap, nimble convertible. I've heard so many stupid comments about how it's a car for either girls or gays, but they just roll off my back. I'm the one who gets to have fun with it, not them.
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Jul 10, 2014 17:45
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Annakie posted:Found out yesterday from my Aunt that my cousin, who has a Certified Nursing Assistant... degree? Whatever it takes to get one of those has been going to school to be a full nurse for like 5 years but still hasn't graduated as she only takes semesters sporadically. She is 32. Last year she took a semester off to go help out a friend's family at their business in another state. She got to live with that family rent-free and made several thousand dollars in that time, which she was supposed to use to move back home and go back to school. CNAs are the peons of the nursing world. They get paid much less than RNs, but still have to do a bunch of the gross stuff and grunt work. That story hurt to read 
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Jul 21, 2014 15:38
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Nail Rat posted:And at a 3.49% mortgage I'm not sure I'd bother putting extra on it unless I was maxing retirement accounts and building a nice taxable account and had money left over, that's pretty close to inflation.  BRAG POST! A couple years ago I received a letter from my mortgage holder that they could do a streamline refinance with almost no costs (~$300 for the title work) and they would give me the rate of 2.75%. I jumped all over it.
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Jul 28, 2014 15:57
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You could also stop trying to act like you have more money than you really do and buy a car that costs nowhere near your yearly salary.
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Jul 31, 2014 14:36
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necrobobsledder posted:People's ideas of "I'm doing great now!" are completely ludicrous in this country and saying how a barely six figure incomes isn't life-changing when you live like "most people" makes me an rear end in a top hat and "completely unrealistic." The lady in the article's ideas of "doing well" by my definition are not that far from my idea of scraping by - $120k / yr as a working couple in an area where you could even buy a $250k house during the bubble is not "naming your price" as a professional in an industry that's considered booming. Similarly, during the worst of the recession I read about construction workers that had gotten "crazy" earnings of $80k / yr and they were buying the entire bar rounds and "that truck they'd always wanted." It's like people thought they won the lottery by temporarily doubling their income when it was barely liveable before. The perception Americans have about their personal wealth being so aggrandized bothers me when so many people are living on so little. Maybe I'm crazy, but suddenly making what would be a minimum wage income if pay-outs matched living costs since the minimum wage was introduced shouldn't make people think they won the lottery if you ask me. It's like we're in an alternate reality of the Onion article saying India's version of "Who Wants To Be A Millionaire?" that amounted to "Who wants 500 Rupees, a full meal, and a bus ticket home?" I think that people get caught up on their yearly salary as some sort of number that means that it's already in their hands. I know people who, upon getting their job in the healthcare industry at around $50k/year, proceed to lease a brand new $40k vehicle. They do this before they get their first pay stub, because they are "finally earning the big bucks!" There appears to be some disconnect between getting a job and actually earning the money. While they may be earning a good amount, they spend as if they've already accumulated their entire yearly salary way before they actually have. I think if people actually stopped and analyzed how much take-home pay they were earning monthly, they would be shocked that it's nowhere near their yearly salary divided by 12. Also, most people forget to deduct taxes, insurance costs, 401k (if they're smart enough to enroll), and other things that reduce the amount they actually take home. While I know exactly how much my company pays me yearly, I know that I really only get to play with a little more than half that amount once all of that stuff is taken out. Nocheez fucked around with this message at 16:02 on Aug 1, 2014 |
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Aug 1, 2014 15:51
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Radbot posted:Yeah, I had that same situation - maxing Roth IRA and my Designated Roth Account, no consumer debt, and was still told how stupid I was for getting a new car. The new car bugaboo is frankly loving weird compared to the silence about mortgage and private student debt. Silence about mortgages? Did you miss the DO NEVER BUY sentiment of the housing thread?
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Aug 11, 2014 18:01
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Shipon posted:The used car market is absolutely hosed right now. The days where one year out meant a 20% drop in value are over - those cars are hanging only a few % below MSRP or even at par depending on the model. Even a ten year old car can keep its value pretty amazingly well, which I suppose is good for the original buyer but awful for anyone who's looking for a cheap vehicle. You can't even buy beaters for cheap anymore. "Cheap" has just adjusted with inflation. You can get a very reliable car for $2000-$3000 nowadays. It does take time to find the right one, just like it always has.
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Aug 11, 2014 20:35
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Grumpwagon posted:Troll account spotted! The Geo Prizm was the same car as the Toyota Corolla. They could be had for a discount under the price of the Corolla due to having a Geo (then Chevy) badge. They were mechanically identical, and were some of the best cars ever built. Read up on the history of the NUMMI plant in California if you want to know more. It's an interesting story.
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Aug 11, 2014 20:57
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Engineer Lenk posted:My wife still drives her '97 Prism that she got new as a teenager. 200k+ miles and still going strong. We've been discussing replacement options since it hit 150k, but decided to ride it out until something expensive breaks. If you like your Prizm, look into a Matrix/Vibe. Same basic design, but better laid out and lots of interior space!
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Aug 11, 2014 21:32
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canyoneer posted:I know a dude who bought a new house built in 2006. He was 22 or something and had some inherited money. "Why, instead of renting, I'll get my friends to rent rooms out of my house. Free rent and building equity!" He bought a 4500 sqft 4 bedroom. The internet tells me that he probably paid $290k or so for it. You reminded me of a friend of mine who bought a house worth around $180k when he was making around $35k/year. This was back in the days of liars loans, so he figured buying with a 5 year balloon on a 50-year interest-only payment would be smart. He got a 5 bedroom house and rented 4 rooms to his friends from church, who paid him 1/5 the total rent monthly. When I asked him why he wasn't charging more, he said it was because he wanted to give his friends a good deal. When the market went south and he had to move 500 miles back home, he took a $40k loss and paid for it with his 401K. He was a nice guy, but just too trusting of others.
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Aug 13, 2014 17:48
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District Selectman posted:I got an aftermarket Clarion with bluetooth to replace mine for under $200, about three years ago. You could probably get it for like $100 now. Just bluetooth to your phone and play whatever music you desire I put this in my Miata. It sounds great, has a USB port, Bluetooth (with a microphone for phone calls) and an headphone jack. There is no CD slot, but who uses actual CDs anymore?
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Aug 14, 2014 13:31
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LloydDobler posted:Sounds like your wife owes you forty bucks. This. If she wants to give away your labor, it should come out of her pocket.
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Aug 14, 2014 19:52
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EugeneJ posted:We used to tag along with a couple who would eat out with us, but never tip. They would count out the exact amount of money their order came to, and leave just that. So the rest of us would be forced to tip more to make up for it. Why didn't you call them out on it? Or stop going out with them?
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Aug 14, 2014 21:52
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Dangit Ronpaul posted:cavalier I thought we said no more car chat?  But to your point, people do the same thing when I tell them I'm riding the bus on my way to a hockey game. The terminal is across the street, and it saves me from having to park 2 cars when my wife is meeting me after her shift ends. Also, I get some exercise walking the mile to the stop. I wish people would change the way they look at public transportation in this country. Nocheez fucked around with this message at 18:46 on Aug 20, 2014 |
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Aug 20, 2014 18:44
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I think my wife and I had the right mindset for our wedding. We said all along that we were throwing a kickass party that we just happened to get married at the beginning. It helped us keep the focus on our guests having a good time, and not making people suffer through traditions that suck (bouquet toss, chicken dance, etc.). I had many of our guests tell me that ours was the most fun they've had at a wedding. Free booze, good food, an awesome DJ, and no downtime will do that.
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Sep 18, 2014 20:11
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I feel like I'm bad with money. I used to have a 35-40 hour workweek and made about 15k less. I did not have a company car, either. I would LOVE to be able to go back to that job because I did not feel stressed all the time and had a lot more free time. Now I work 55-60 hours a week and just feel run down all the time. My old position doesn't exist now, so I guess I'll just keep plugging away
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Sep 22, 2014 15:44
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If I could work for half my pay, and only had a 20-hour workweek, I would do it.
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Sep 22, 2014 17:03
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Jeffrey posted:¥ is probably more relevant than £ at this point You mean ฿itcoins, right? Buttcoins are truly the worst with money thing I've witnessed in my life. People are all scamming each other left and right, and every single person is secretly hoping that they aren't the bagholders when the whole thing implodes upon itself. Nocheez fucked around with this message at 00:13 on Oct 24, 2014 |
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Oct 24, 2014 00:11
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They probably love to repo these. Someone makes a few payments, maybe even a year, they take it back and sell it for $11,000 to the next schmuck.
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Oct 24, 2014 20:10
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EugeneJ posted:And the fact that you have to furnish the thing. And heat/cool/clean/maintain it. e;f,b.
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Nov 10, 2014 21:13
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flynt posted:And of course everyone was encouraging me to buy my own house around 2005 because you only had to put down around 3% as a first time home buyer; continuing to rent would be stupid. They were giving this advice at the same time as they always complaining about being broke. Thank goodness I ignored all of their advice. This was me in 2006, and the worst money decision I made was buying a house and putting almost nothing down. I listened to my parents and bought a house instead of finding a cheaper apartment when my rent went up. I've been fortunate in that it's not an expensive house and I've lost "only" 20k worth of value. Also, I was able to re-finance at 2.75%APR which is pretty awesome.
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Nov 11, 2014 14:31
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Also, many people get a 30-year loan which has you paying a ton more interest than if you got a 15-year loan. Payments when I first got my home were about $1000/month (30 year loan). My refinanced payments are only $800/month. Renting the same home in my area would probably be pretty close to $1000/month, but the increase in costs for maintenance, lawn care, repairs (garage door opener and HVAC this year), flooring replacement, etc. adds up quickly. Plenty of people buy homes, but I wish I had rented one instead. I would not be living in the same area I am now if I had not bought my home.
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Nov 11, 2014 16:17
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Can we get back on topic and take the housing argument to another thread? Here's a couple on Reddit with $350k in student loan debt from Drexel. She has an Interior Design degree, he's a mechanical engineer. How do you rack up that much in loans without a plan to get into a high-paying job? quote:Hi, my husband and I need help. We live in NJ and we are buried under my student loans and his kick in next month. I have $150,000 left and my husband is close to $200,000. We took the money for school and we want to pay it all back but the monthly payments are way more than we can afford. My debt is all in private loans, and I'm already at the minimum monthly payments ($1400 just for mine). Our loan companies are unwilling to work with us, our parents co-signed (so I'm trying not to kill their credit), and the loans are too large to consolidate. I've done so much research and I don't know what else to do. Is there anyone who can help me out? I'm willing to answer any and all questions. Thank you!
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Nov 12, 2014 21:12
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Saros posted:"It's a status thing more than anything I think. I reason that we spend a lot of our time in car's and are heavily judged on the type of car we drive." It looks like that guy listened to reason, so +1 for good advice.
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Nov 13, 2014 15:24
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MJBuddy posted:F150s were crazy popular in my city back in the early 2000s and no one ever used them for anything (but once or twice a year you might have to pack up stuff for a hurricane evac so a lot of people bought cars that could handle that). The worst drivers too, because you're in this monster tank and you feel invincible. Which is ironic, because they were some of the most unsafe vehicles produced in that era: https://www.youtube.com/watch?v=6Wb66PzljP8
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Nov 18, 2014 16:04
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SiGmA_X posted:
Doesn't this vary by loan, though? I paid an extra $10k on my mortgage a few years ago, and my monthly payments didn't change at all. I believe I have a simple interest loan with a locked APR.
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Dec 2, 2014 14:45
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TastyLemonDrops posted:It's me. I'm the one bad with money. I turned down a job that was nearly double my current pay so I wouldn't have to move to Baltimore. But then again, I own my apartment here in New York with associated lower cost of living, so I don't know if this is only slightly bad with money or horrendous with money. Hey, quit telling stories in the derail megathread. Content: some redditor posted:So I bought a 2002 ford mustang v6 with 115000 miles on it for 10990. With the interest rate at 23.99%. So I now know the car is not even worth half of what I'm paying and the interest rate is super high, but here's my story. So I needed a car ASAP and my old honda took a poo poo so I went to the first car dealer that would even look at me because I'm 21 with no credit history and no co-signers. So I went to this used dealer and they offered me this car and so I took it. That was 5 months ago and biggest mistake of my life. I thought hey I'm getting a car and building my credit so this must be good and I did not know much about the interest rate or just how much the car I am buying is worth at the time so I thought it was a fair deal but now seeing my coworks with better cars and lower payments and lower interests rates I realized how much I'm getting screwed. So I'm stuck with this ten year old car at almost 400 a month payments and high interest rate. Not to mention the car is now giving me problems such as I found a puddle of transmission fluid under it and it bogs out from time to time. So my question is there anything I can do like trade it in for a better car with lower interest rate even thought I bought it 5 months ago. I know I'd be loosing money but I'd rather be paying for a car I like to drive and actually like then this slow piece of poo poo car. So ANY advice at all would help. Also if it helps Southern California.
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Dec 11, 2014 21:43
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