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ufsteph posted:I'd like to hear about this $300 Bay Area vacation. This includes transportation, hotels, food, activities? Sounds crazy low to me. 440 miles round trip @ 56 cents per mile (government rate) means it cost ~$250 just drive there and back in gas and wear on the vehicle...
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Sep 23, 2014 03:34
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Knyteguy posted:Gonna stay outside the city. Maybe Berkeley gotta check the prices. We're going during the week so rates should be cheaper too. If not then San Jose isn't that far we've stayed there while checking out SF before. I love driving, this is more about the road trip for me. Might try Oakland I've also stayed there before. You do realize that hotels are cheaper on the weekends (with a few exceptions, Vegas comes to mind) because they typically don't fill up. During the week business travel takes care of it and they charge more. I doubt you will get any decent meal for under $50 as well (vacation and all, got to go some place cool). Also you are going to be staying in one lovely rear end hotel.
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Sep 24, 2014 01:38
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^haha, who knew birthdays fall at the same time every year for a person. Vacation budget at $350. Love it. I think you should skip the dog training and throw it into the dirt bike fund. Anyone want to take bets on the total cost of the vacation. Over/Under at $400 sounds good? What do you got.
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Sep 24, 2014 04:34
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Knyteguy posted:Quick question regarding our new credit card and its usage: Knyteguy posted:Ah OK got it everyone, thanks. I can only setup autopay to pay between the 2nd and the 9th (USBank policy I guess?). I don't actually have a statement yet since the closing date hasn't happened I guess. I'm not very impressed with their online CC account system. I feel like they're trying to trick me to pay interest at least once through screwing up. I'll keep an eye on everything closely once the first statement is generated. Knyteguy posted:Yea I did read almost every word of the ToS though before signing up, so at least I know there won't be random fees thrown at me. I think Harley Davidson subsidizes some of the risk to have their name on the card or something. Rewards points give us Harley Davidson gift cards. I'll try to sell those I suppose since I don't ride a motorcycle. You shouldn't have got a credit card with questions like this and all the other stuff... slap me silly posted:Dude, he has a fee-free secured card from a normal bank and knows how to use it. That is way above average already. He just asked how to not pay interest... I am going with he has no idea. Please buy a Harley though, tia.
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Oct 3, 2014 04:40
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Knyteguy posted:Imabanana I finally finished "The Millionaire Fastlane" book. What a powerful message. He had many of the same messages as someone like Mr Money Mustache regarding debt, hard work, budgeting, living within your means, etc. I really didn't expect that. How did you think a normal 9-5 person becomes "rich'? It isn't about tricks, it is about tight budgets with steady work towards being debt free and saving.
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Oct 5, 2014 23:18
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I don't think you know what a plan is. You move into a new smaller place to save money. The whole time you either know you are pregnant or trying to get it. Now the place is too small. You clean the place up and are good to go. Now your place is too dangerous to live in so you need to move and break the lease. (BTW your place was dangerous before you moved in, even if it is dangerous) I mean come on man. This is all in about 3 months or so? You like to spend money and you like to make snap decisions. You basically have $2000 and your wife is going to stop working and you are going to have a kid (with a $19 baby fund....$19...). Your whole situation is dire and you are just going to foolishly spend money at the problem.
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Oct 15, 2014 01:28
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Sucks to blow ~$1200 on breaking a lease. (I think your rent was around $800...) I am pretty skeptical that was the best use of your money.
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Oct 24, 2014 17:33
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Knyteguy posted:Lol sorry to keep posting but they're jack hammering our entire bathroom. Not sure if it's grounds for a lease break (lawyer should get back to me asap on free consult tomorrow), but holy poo poo is this place a poo poo hole And you want to buy a house...holy  Things break, places leak, the fact that this happened today and they are already partway done to fixing it means you have a somewhat decent landlord. I would say the best you could hope for is getting some rent off this month. Is that your only bathroom? Even so it is probably not even close to grounds for breaking a lease. Free rent is your best bet.
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Oct 27, 2014 01:40
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Knyteguy posted:You make some good points. Do they expect you to water the lawn to keep it nice next summer? Your area is in a pretty nice drought...get ready for some crazy rear end water bills.
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Nov 23, 2014 05:13
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Forest through the trees is the saying. Can't see the forest through the trees.
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Nov 25, 2014 18:47
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SiGmA_X posted:I'm not an English expert AT ALL, you've seen my posts lol, but I'm guessing 'for' is an older saying. Through is what I've heard and use. Still makes no sense to me... Old English... Good luck KG. Post a budget for December and move on from this derail. What is done is done all we can do is beat up future you and make sure you save and pay off debt.
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Nov 25, 2014 22:12
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How about those lions KG? Figured I would give you one post that was easy to answer.
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Dec 9, 2014 02:17
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SiGmA_X posted:Just a comment about your health plan. You must stay on an HSA plan next year, otherwise you're going to have to unwind your contributions for 2014. I'm at work and phone posting so I don't feel like looking up at the details, but that's the gist of it. Can you explain (when not at work) because I am not following this?
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Dec 11, 2014 01:45
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Just use the blow money you have now to relieve your stress, don't add more confusion.
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Dec 18, 2014 18:54
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Download the tax caster app from turbo tax and figure out your taxes. It takes about 10 min and has been within a few dollars for me the last three years if you are diligent about the info you put in. I don't understand people who are obviously intelligent knowing little about their taxes. This could be a pretty big issue depending on what you owe.
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Dec 19, 2014 18:51
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Doesn't his insurance have a max out of pocket? That is basically all he should need saved up. Ours is $7500 per year so as long as you stay in network you are only going to pay that much money. Maybe their insurance really sucks or something? I am just pretty confused on how they came about the costs needed.
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Dec 30, 2014 19:36
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ufsteph posted:Insurance is insanely complicated and even the insurance companies make tons of mistakes. If you don't fully understand your policy and what is/is not covered, you could get bills for things that should be covered. Oh I totally agree with you. If planned all in network I just don't understand how it can be so much money. I feel like a lot of details are missing.
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Dec 30, 2014 19:51
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As much as you both have struggled through this whole process I do feel like you both get what you should be doing. You might not come to the conclusions we think are best but you are trying really hard. I look forward to seeing where you stand and the plan you come up with. Hopefully we can help with any adjustments that you need. E: Go Lions Sunday! Stafford needs to play unlike himself though... Which is usually terrible under pressure.
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Jan 3, 2015 01:59
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Bugamol posted:I feel like not just immediately paying the $500 you owe due to a mistake is some mental gymnastics to try and pretend you have and are saving more money than you really are. Just pay it. Your wife was getting an extra check this month and now she's not. Move on. Agree with this. Also man was that a stupid waste of $500. Ugh!
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Jan 4, 2015 20:58
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Knyteguy posted:For the bill it's not just the $500 due now, it's the entire lease break fee as well. That comes $1,485 give or take a couple dollars. I'd rather just make them minimum payments for awhile with so many financial hazards impending. If you guys think we should just pay it though that's fine. This is crazy. Didn't you have it back in your budget to break the lease? Wouldn't it just be paid when you left? So basically you have a $2500 tax liability, $1500 lease liability, a baby on the way, no savings, and a herd of animals. There is zero chance you're wife can be off work. You need to man up and see about a higher paying job too. Who gives a crap about $20 of dog food when you have things like this going on?
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Jan 5, 2015 05:58
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Devious_05 posted:Quick query about this line, does that mean they are attempting to charge you for some sort of damage to the property? In America they try to get you any way they can. The last time I rented I did a walk through and got the OK on everything. They then charged me a $70 cleaning fee (not in the lease), $120 of paint, and a few other things. I ended up going back there and getting all but $50 back. Luckily I had pictures of everything when we moved it. This was the dirtiest apartment I ever moved into to (sight unseen move across country) and it was still $1200/mo. Most people don't want to deal with it so they know they can get more and more money.
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Jan 6, 2015 15:42
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Knyteguy posted:It's our cats who are insistent upon either meowing like a tom cat at 4:00am, or pawing the door trying to get into the bedroom, or jumping on us... it's been a continual problem that has been getting better, but last night especially was a little rough. Do you know anyone with a good burlap sack that lives near a lake?
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Jan 16, 2015 23:12
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All the best KG. Despite the frustration in the thread we are all rooting for you both to succeed. I think you should take some good from the fact that you both did well in planning for the birth expenses. You pre paid and have saved up for it. Hopefully it all goes to plan. I think a year ago you would have buried your head in the sand and been blind sided by the bill.
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Jan 18, 2015 19:45
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Don't do it, you can't afford it. Wait 6 months see what having a baby is like and reevaluate. Your family (wife and kid) come first. End of story. Seeing a grave doesn't do anything for the family, cousins can visit you or wait till you get yourself together. I just don't see it as a good idea.
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Jan 21, 2015 20:56
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Old Fart posted:every now and again http://youtu.be/9NInDI8ChaU
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Jan 22, 2015 00:45
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I know. Almost Everyone (not you) was just being kind of crappy so I though people would laugh. Well played though.
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Jan 22, 2015 01:20
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That is an important thing to note. Debt pay down and improved budgeting is a long man's game. You really need to buckle down and stick with it. It can be hard but when you stray from the path it can have big repercussions (as you have seen). Over time though the numbers go in the right direction and it is an awesome feeling.
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Jan 22, 2015 02:59
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Knyteguy posted:Thanks. I was joking about the weather though - it has been unusually warm here. 5:30-6:30 am 67F, 6:30-5pm 58F, 5-9:30 67F, 9:30-5:30am 60F Works wonders on keeping the bill down (helps if the thermostat is programmable). Plastic on the windows doors save a lot as well, especially in older less efficient places.
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Feb 5, 2015 01:26
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SiGmA_X posted:Smart people who install this INSULATE their hot water pipes... I have never heard of it un-insulated before. If it is added after a few years after the house is built most of the pipes if not all will not be accessible. Back when I worked construction I would say at least 3/4 of them I saw installed had no pipe insulation.
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Feb 5, 2015 06:46
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SiGmA_X posted:How do you install the loops after the house is built? I don't know how they do it but people get instant hot water. I never really liked into it. You bring up a good point. E: it is mostly because I am dumb and it is late... I am just thinking of tankless technology... Sigh spwrozek fucked around with this message at 07:35 on Feb 5, 2015 |
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Feb 5, 2015 07:32
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NV Energy is the power company in Vegas and Reno so he may have just saw it while looking around...
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Feb 9, 2015 06:39
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I don't really follow the thread anymore but the constant updates to the title are great. Keep doing that. Good luck though man, it sounds like you are struggling a bit.
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Jun 3, 2015 19:21
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Just go tell your boss you want a raise, why you deserve it, what your new title should be, and what your bill rate to the client should go up to. If you can convince him to bill the client $10 more an hour for your time you should be able to see $3 of that. That is what I did every year when I was a consultant. Don't take that offer anywhere unless you want to move to Virginia (is the other company even going to pay to move you? I don't think I saw that mentioned). Your boss should laugh in your face with that offer.
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Jul 10, 2015 14:37
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Stop spending money. You need to realize that you can't spend money on fun until you can follow a budget. You come up with some crazy idea every day it seems like. Stop that. Spend the money you have allowed and no more! No more schemes, no more plots, spend the money you are allowed and be done with it. Do this for six months (do it for one month realistically...) And then maybe you can start thinking about vacations and side business and anything else. You want to pay off that car it seems like. Think about every dollar you spend over your allowed, you are stealing from your yourself. A dollar or a soda is one less dollar to get out of debt or have for your child. You have to get it through your head. I am realizing why I stopped reading this thread, one step forward and three steps back all the time.
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Jul 20, 2015 22:19
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I will grant that you have made some progress this year. Getting an e funds is great, you were living on the edge. Now to see how you actually tackle the debt.
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Jul 21, 2015 01:03
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Wife gets new job, drops you off with bike, you work 8 hours + whatever you do for lunch, you coast home down all the hills in 15-20 min. Also in 40-45 min I ride 10.7 miles to work... (granted only 250' climbing there and 450' back, lots of stop lights though)
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Jul 23, 2015 07:06
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Maybe I missed it but why are you losing health insurance? Wife new job have a big wait period I am guessing?
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Aug 5, 2015 22:47
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Robo Boogie Bot posted:40-60 days is pretty standard. Never seen it for health insurance, bummer.
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Aug 6, 2015 01:32
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3k a month for a hdhp seems a bit crazy, even for the family option. Sounds like you should hang onto all the extra pto money and such until the insurance kicks in. Good job on the car. That is a brutal monthly payment, I hope all goes well and you can keep knocking it out.
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Aug 6, 2015 17:23
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Let's see those end of month numbers and next month's budget!
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Aug 28, 2015 18:14
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