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I have a wonderful friend who was struggling to save anything, and when I went to visit him we went shopping. At Whole Foods. Where he bought $7 fancy pants deodorant. I told him he needed to cut that poo poo out and make a budget, and he seemed surprised but is doing much better now. I guess when you live around people who do that kind of stuff all the time you just think it's normal, for me it's like WHOA mister, let's find us a 2 for a dollar coupon to get regular deodorant at Walgreens.
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Jul 2, 2013 00:55
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Uranium 235 posted:I'm confused--why would anyone offer 0% financing if they weren't going to make money off of you some other way? Why would they assume risk (that you will stop making payments) without any possible reward? If the reward isn't from interest, then it's from something else...
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Jul 5, 2013 19:04
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Please only post if you can include a story about people bad with money. I get excited every time I see posts here and then there's just discussion and that's lame. Story: My grandparents lived in Las Vegas and routinely drove all the way to the border to buy lottery tickets each week from the different lottos. They wasted thousands of dollars every month on slots, but justified it because they got to eat free buffets with the points. My grandfather would tell me stories about how lucky my grandmother was and how she always won money. Yeah, that's not how slots work. I remember being twelve years old and standing on the side of the casino (just past the red line you can't cross!) watching my grandfather play his secret system for slots that involved using different fingers to press the buttons in sequence. I was agog at how stupid it all was.
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Jul 26, 2013 22:04
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No more discussion, more stories. edit:vv I forgive you since you were probably still typing. Nobody else gets a free pass. If you want to discuss things, take it to another thread or post here but have a funny story to go along with it. moana fucked around with this message at 19:00 on Aug 8, 2013 |
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Aug 8, 2013 18:38
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Cicero posted:This thread is for stories, if we want to debate what it means to be bad with money maybe the newbie thread or FI thread would be better for it.
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Aug 27, 2013 15:33
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SilverSliver posted:What is up with the reoprts from this thread lately? Derails are frowned upon when 1) People are getting angry 2) Begins to seriously lead the conversation away from the OP.
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Sep 30, 2013 21:49
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When I left my roommate in Canada, I gave him all my ABV and a few different eighths since I wasn't about to cross the border with that stuff. He was thrilled  Although, he was also pretty bad with money. He was 40 and spent almost all of his free money on DVD sets. They lined the walls of his basement by the hundreds and he watched maybe two of them in the year I was there. But whatever, he lives in Canada so he'll be fine.
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Nov 27, 2013 21:17
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spwrozek posted:This is not true at all. Myself and 10 of my friends (25-30) bought houses the last two years and we all out 5% down and have sub 4% interest
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Mar 24, 2014 18:24
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spwrozek posted:5% conventional loan guys come on... The lender paid PMI was ~1500 up front. Done and done. Very interested in details like if it had to be your primary residence or first time buying, if you do in fact have to refi to take the PMI off later, that kind of thing. Bad with money story about houses: I got way lucky buying my house when I did, but I also bought it with my boyfriend which was me being bad with money. We later split and I had to cut him a $75k check, but at least I have all the equity in my name now... 
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Mar 24, 2014 22:40
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When my grandfather passed, my step-grandmother destroyed his most recent will so that everything would pass to her as a surviving spouse. He wasn't bad with money but bad with planning - he never made copies of his recent will to give to anyone. My dad's side of the family found the lawyer he'd used to draw up the will and fought back, eventually ended up getting most everything except the real estate since her name was on it. She was a racist homophobe, but his death really brought out the bitch in her like I'd never seen before.
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Apr 13, 2014 21:50
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Zeppelin Insanity posted:Is it just me or is there some kind of societal expectation women have that finances are a man's responsibility? Admittedly it's anecdotal, but a lot of my friends who are women, even those who are fiscally responsible, outright say that they'd prefer it and find it easier to have financial discipline imposed on them by someone. However, maybe your female friends are just giving you a hint that they want some... you know, *discipline* ... imposed on them. 
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Apr 16, 2014 15:34
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My mom and her boyfriend just finished fixing up their sailboat all nice, repainted the sides, made it all pretty. Then another boat came off its mooring and smashed into the side of their boat. Better to have a friend with a boat.
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Apr 24, 2014 03:02
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MAKE NO BABBYS posted:Do not leave any amount sitting in your paypal account.
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May 14, 2014 00:24
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Zo posted:Yeah paypal is super sketchy. When I was botting diablo 3 I moved around $25,000 through paypal and at one point my account got locked with a few grand sitting in it (I withdrew regularly but this was a bad moment) and I was sweating pretty hard. Luckily I managed to convince them to generously allow me access to my own money in the end. I'm the luckiest person in the world, though, and we got the cash back just in time to buy a house in 2009. Then we split up a year later and I paid him out half his share of equity in the house. Then my home value appreciated another $100k. My lucky star is as invincible as SloMo's delusions.
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May 14, 2014 02:41
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Inudeku posted:Congratulations Inept, your husband just told someone it's a good thing their child died. What a fantastic loving person.
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May 16, 2014 15:42
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Lava Lamp posted:it's usually an enjoyable experience and that's worth paying more. If you have to spend shitloads of money to experience what life has to offer you're probably doing it wrong. Being financially responsible for creatures whose lives depend on you - that's a disturbing opinion? Come on, now..
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May 24, 2014 21:32
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Magic Underwear posted:He said that life is not about who can make their bank account grow faster. "Is the meaning of life to make 100% financially sound decisions or is it to experience things that life has to offer?" is total bullshit. I like to think I do both, and most people CAN do both, and the first leads to the second pretty handily, they're not in opposition. People can live within their means and have kids and pets and travel and all that stuff that makes life worth living, and having kids and pets and travel in fact is easier once you start making good financial decisions. But here's a fun story to make up for this idiot debate: I have a friend who quit work to be a stay at home mom, which, good for her. But she continues to spend as though they were on two incomes, complete with fancy baby toys, organic premium food for her and baby, including going to a health shop every day to get a smoothie or wheatgrass shot or whatever for $5 a pop, leasing a new SUV even though the husband already has a new SUV of his own. She asked me what I thought she could do to make their finances better. "Get a job? There are lots of work from home things you can do, here are a few..." "Oh, I can't, I'm going to be a stay at home mom for a few years." "Then sell the car." "BUT WHAT ABOUT IF I GET A JOB? HOW AM I SUPPOSED TO GET TO WORK?" I stopped trying to give her advice after that.
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May 24, 2014 23:51
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No Wave posted:"Amenities"? Like what? Oh, wait, this is the bad with money thread. Yeah, leather. Leather everything.
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May 28, 2014 01:00
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The relationship issues will continue to fester until you two talk it out in a healthy way. I really benefited from the book Hold Me Tight - it's a structured way to have conversations with your S.O. about some important issues. It's helped my relationship tremendously and I highly recommend it if you can't afford therapy. Also, Getting the Love You Want. Great books about communication, which seems to be severely lacking in your relationship and causing small issues to blow up into big ones.
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Jun 5, 2014 20:39
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It's me, I'm the bad with money. I got a bill from AAA for my home insurance and paid it and set it to autopay thinking it was weird I don't have it already set to autopay. Then I get the reminder from my escrow company they are the ones who pay that. RIGHT. So that's why I get checks at the end of the year for thousands of dollars. Because I double pay all my most expensive expenses. bof.
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Jun 7, 2014 03:03
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I just did it with my property taxes, and now AGAIN with my insurance. This is ridiculous and it messes up my mint accounting since I forget to mark the ATM deposit as such. I need someone to smack me. Actually no, I need to sell my house.
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Jun 7, 2014 06:13
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It reminds me of the show home from Arrested Development. Minus the floor and walls falling apart, of course.
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Jul 12, 2014 00:03
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v okay, cool. derail avoided!
moana fucked around with this message at 01:44 on Jul 17, 2014 |
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Jul 17, 2014 01:00
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Lowness 72 posted:Doesn't seem too unreasonable for NYC. Food is really expensive here and it's common for people to out every meal.
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Jul 18, 2014 22:54
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Harry posted:So that's two known sugar mamas in BFC. 
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Aug 2, 2014 21:17
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gigawhite posted:don't suck his dick that is bad BFC
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Aug 4, 2014 19:55
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Well lucky for you I'm not a mod anymore, heyo!Lowness 72 posted:Invest in gold. BFC approved!
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Aug 4, 2014 21:31
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Bugamol posted:Rent is a common expense most people are aware of right? Ask 100 people "how much should you spend on rent". Let me know what "community subjective value" standard you get.
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Aug 25, 2014 22:02
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My sister "just finished paying off her Tempurpedic" and posted on FB that she was trying to sell it for $2k because she's moving out of the country.
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Aug 25, 2014 23:28
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Folly: yeah, escrow which I regret doing, it just makes things harder for me to keep track of. I hosed up with my insurance payments last year and forgot to pay one of them (auto or insurance, whichever one I didn't have set on autopay, and I double paid the other one, they were off by like $14 and so I never noticed) and they sent me a nice letter saying I was late and that they had extended my deadline as a courtesy since I hadn't been late before and then I called the number and got it taken care of in like two minutes. AAA is the bomb.
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Aug 29, 2014 04:57
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Still on my honeymoon but I wanted to pop in for wedding chat We had small families so it ended up being like 40 people total. Morning ceremony was on the beach, then we spent all day beachside eating BBQ and flying kites and having fun with family and friends. Cocktail party at my house for coworkers and other friends who couldn't make it. Total cost so far is under $5000 and that includes rings, honeymoon in Maui, a $1k photographer(!). We were at dinner last night trying to think of how we would spend $30k on a wedding and we decided we would buy everybody an hour of jet fighter pilot lessons.
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Sep 18, 2014 19:13
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marchantia posted:Jesus Christ, stop talking about cars and weddings gently caress. Bad with money: we went out to a fancy pants dinner the other night. Sitting next to us was another couple. The girl was on her phone the entire time, didn't even look up at the guy from texting/FBing/whatever. Their meals came, and he pulled out his phone, they both took pictures of their food, then they stayed on their respective phones for the rest of the meal. How do you take someone out to a nice restaurant and not want to speak to them? I swear they said maybe two sentences to each other for the whole time we were there. It was the saddest date I've ever seen 
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Sep 21, 2014 18:58
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quote:So I'm thinking of selling my wife's cat (all we we have left haha) and buying one share of each, and shorting them. I'm guessing he means car, but wow. Daytrade with fun money, kids, not your life savings!
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Oct 8, 2014 17:10
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My bank is bad with money. Went to the Chase branch because I got paid my royalties from Amazon in check form. One of the checks was from Amazon.co.uk, so of course it's in pounds. I hand the check to the guy and he looks at it like it's moon money. I'm like "It's in pounds." "So, it's foreign?" "Yeah." He then calls two other tellers over to look at the check. "Is this pounds or euros?" he asks them. "It's pounds," I say. "You see the pound symbol?" "That's not one of the accepted currencies," he says. "We could take it if it was in euros." They then spend five minutes scrolling down some screen. "Do you see it anywhere here?" "GBP?" I ask, trying to be helpful. "What?" "Maybe it says GBP on there." "Why would it say that?" "Because... that is pounds?" "It's not there. Are you sure it's not Euros?"  took me a half hour and four tellers to deposit this check. WTG Chase!
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Oct 23, 2014 22:23
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Krispy Kareem posted:What housing market has seen prices increase 80k since 2008? My home lost about 80k in value since that time.
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Nov 7, 2014 15:52
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Switchback posted:"Jump$tart Coalition for Personal Financial Literacy, an American non-profit organisation, has surveyed high-school seniors every other year since 2000. These surveys consistently show that students who have taken a full-semester course in personal finance do no better on a standard financial literacy test than those who have not taken such a course. Similarly, a study by Tzu-Chin Martina Peng and her co-authors found that having taken a personal finance course in school is unrelated to investment knowledge."
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Nov 10, 2014 15:47
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LeeMajors posted:My old roommate used to get these little postcards from Wachovia like three at a time, multiple times per week. This guy was just bad at everything, though - one time he came to Thanksgiving stoned as gently caress, drank too much wine, and threw up in the kitchen sink five feet away WHILE EVERYBODY WAS STILL RIGHT THERE EATING DINNER. The mom was something else, too; she had refinanced their house so many times that she owed over a million dollars on it at the peak of the bubble. She's probably about a half million underwater by now but won't walk away from it even though she lives alone. Because of course it's "THE FAMILY HOUSE" and there's no way she could get rid of it, so she just works herself to death to pay the mortgage. Oof. Everytime we went over there she had a brand new car, brand new huge flatscreen TV, another purse, whatever. I still feel bad for my ex because his parents were so goddamn crazy.
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Nov 11, 2014 20:45
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Jastiger posted:I find this rent vs mortgage chat interesting though. A lot of this assumes you take every last dollar you have and either invest/set aside while keeping an eye to what you would be paying in a mortgage. I know I'm not able to do it, and I doubt a lot of others are, but are people really able to say "up up up! Can't go to McD's today, that would push my cost of rent vs mortgage over .05% and I'd be LOSING money by renting!"
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Nov 12, 2014 17:55
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TLG James posted:How is it not stealing? Bad with money quote of the day: "My cat needs her teeth cleaned so bad, but I can't afford it. Once I win the lottery, maybe." - After showing off her new boots that cost over $200. That poo poo drives me bananas.
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Nov 20, 2014 04:47
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Series DD Funding posted:So does nobody use the generic k-cups or what? Also isn't coffee good for you or something? I thought I read that in moderation it wasn't bad for your body.
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Dec 1, 2014 21:20
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