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Knyteguy
Jul 6, 2005

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Toilet Rascal

Robo Boogie Bot posted:

Ahhh the freedom of living in an RV park.
http://tiny.cc/mk0oby

Yeah except you can sometimes do this half the month for free

https://www.google.com/search?q=boo...YS0BzkQ_AUIBygC

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Knyteguy
Jul 6, 2005

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Toilet Rascal

Rurutia posted:

How do you expect to work remotely with the shittiest internet that's ever shitted?

Basically just plan a lot to make sure there's internet whenever we stay. I mostly just need enough internet to RDP and to push/pull commits in Visual Studio. Enough cell usage to talk to the boss when necessary (though we Skype 99% of the time).

Plus these guys do it: http://www.technomadia.com/2014/08/how-we-keep-online-illustrated-tour-of-our-rv-mobile-internet-setup/ and they even wrote a book on it. There's tons of information on places and the internet it can offer. There seems to be quite a few remote software devs who manage alright.

Adiabatic posted:

Noooooooooooo

You'd want a turbo-diesel to tow a fifth wheel. Everything about a turbo-diesel is minimum twice that of a gas-powered truck.

Same with a motorhome though. I'd want to get a diesel based on some stuff I've read.

Horking Delight posted:

It might just be me but this looks really expensive. $1900 on just housing and transportation? Is that really that much cheaper than your current place? Are you sure this is a good deal?


Do you have a breakdown for your bday trip? $900 seems low. Is that countin food/entertainment as well?

Yeah. I'm expecting our rent to go up to probably $1,300/mo upon this lease break. So that would be $600/mo more. However those are intended to be the max (like a budget ya know). I think most months would be cheaper.

Again Technomadia:
http://www.technomadia.com/the-finances-how-to-afford-it/


n8r posted:

I'm not even going to get into this RV silliness.

When you say 'I want to live in the moment', I hear 'I want to spend in the moment'. One month it's weights, another month it's an HTPC, now you have to have a bunch of camping gear and a bike rack/trailer hitch. Why are you jumping from hobby to hobby so often? When you get it in your head that you want to do something, why does it involve buying something, and buying it NOW.

You mention that you are really bothered by the eating out thing. What is your plan to fix it? It seems like the impulse food spending has been on ongoing issue for you. I recently had a kid, and due to both logistics and finances, we're eating tons at home. It took time, but we have a pretty decent system in place for both shopping and cooking.

Lots of people jump from hobby to hobby. They enjoy getting into new things, and buying all the cool new gear, but they don't really stick with things. Is this something that happens to you? Are there steps you can take to stop yourself from spending money on things that will just collect dust?

It sounds like you have at least three things you would like to start doing more, riding your bike with your wife, hiking, and camping. That's a lot of new things to take on in an already busy life, and a lot of new gear. Can you just pick one thing at a time? I have brought it up in the past, but why not sell things you already own to fund these new purchases. It's a lot harder to sell things than it is to buy them. Hunt around on craigslist, my CL is small and there is tons good outdoor/cycling gear on it.

Sometimes I want to spend in the moment yeah. Keyword sometimes. I don't need a bunch of camping gear. I do need a bike rack for obvious reasons, and I'll be picking one up within budget. I can't even get the bikes down for a service right now, so that's part of the reason I'd like one. My tire is impossible for me to get on without puncturing the tube, and both bikes needs tuneups.

I don't feel like I'm really jumping from hobby to hobby. All of these things have been long time hobbies that have been neglected.

Black Rock Desert 2008:


Pyramid Lake 2009:



Lake Tahoe 2010:


:D This has kind of been my stuff for awhile. Simply neglected as mentioned.

Who says we need new gear? I want to camp but that's the lowest of my priorities. Plus I'm not talking about climbing K2 here. We mostly just need something to carry the baby in, and probably some tractioned shoes. Plus I've lived here and gone camping all my life we already have a bunch of stuff and we can borrow a bunch. I have a new fishing pole I'd like to break in even.


But I feel like everyone is talking as if we're going to do the RV trip? That's not the case. All of this was the pre-planning I did initially looking into it. I'm trying to stay non-committal on absolutely anything until we're out of debt and we have a fresh perspective and more money in our pockets every month. Then we can make the choice. There is absolutely no downside to paying off debt more quickly which is our only actionable thing. I've mentioned this several times now.

Mostly I'm just excited for some bad rear end adventures locally right now. That and the debt/budget stuff is all that necessitates energy right now, and I'm happy enough continuing along with that without thinking too much about whether we'll do this RV trip or not.

Knyteguy fucked around with this message at 08:50 on May 24, 2016

Knyteguy
Jul 6, 2005

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I'm done arguing about the RV stuff at this point.


Anyway here's the budget:


June:



So May's is a little more butchered than the past two months have been. The emergency fund ($501) and day care suddenly going up screwed it up. We went over $10 on home/baby, $11 on groceries. I paid $10 of the home and baby from discretionary, and that grocery overage came out of my discretionary next month.

Bike trailer + helmet for the baby was much of that shared ($200).

I'll post a finished May's budget at the end. I don't expect more non-"Immediate Obligation" expenses.

June's notable expenses: tires for the Corolla, registration/smog Corolla. Luckily the car fund has some money built up at this point. Luckily it will have ample time to rebuild.

Failed pretty hard on the monthly goals this month (cutting grocery costs, alcohol). I'll set new ones for June. That's a 50% goal rate success so far. I'll keep track.

e: I adjusted that discretionary for June after this post. I didn't feel like re-screenshotting.

e2: updated June since I budgeted the new day care incorrectly.

Knyteguy fucked around with this message at 17:52 on May 24, 2016

Knyteguy
Jul 6, 2005

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Veskit posted:

I still think the asking why exercise is both not an argument and a healthy exercise that you should do. I'm not sure you're seeing what I'm seeing but are you not bothered that 6 days ago I brought this up and you've been unable to really say or understand why this is important to you?


Is today a therapy day btw?

I tried it multiple times. I don't feel like it right now again. I posted my motivations above.

I'm every 2 weeks I just had therapy a few days ago.


Edit wait my June budget is off. I'll repost in a min.

Here's June. I forgot to take the day care increase out of discretionary:


We'll probably get $50 of that back from daycare for watching my sister's kid, but I'm not relying on her budget-wise. I don't want to have another May with a bunch of unexpected stuff throwing off the budget and making us cut unexpectedly. If she pays $50 we'll just throw it towards debt or emergency fund depending what's going on.

Knyteguy fucked around with this message at 17:49 on May 24, 2016

Knyteguy
Jul 6, 2005

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n8r posted:

Can you explain what is going on in the discretionary with your May budget you initially posted, and this second May budget?

I do not see any entry for a vacation budget. When do you plan on setting money aside for this?

Well I moved discretionary into shared that was shared. We do a lot of stuff together so I would just equal parts our discretionary into shared once we were out.

Other than that discretionary was spent as seen and taken out of for day care (something like $210-$220 unexpectedly), and that $10 in home goods.


Vacation we shouldn't need a separate category. We'll just roll over some discretionary.

Horking Delight posted:

Vacation Stuff

Well one of my motivations is that PTO is limited, since you bring up 2 weeks. I probably wouldn't be wanting to do this if we could get a month off a year for vacation or something, but in actuality with small things throughout the year we're lucky to have a whole week for something.

Re: discretionary you can get away with it. The thread would call for my head if I upped discretionary more (which obviously is unnecessary). I'm purposefully missing your point though :).

Veskit posted:

I think you get most mad when everyone has their theories of why you want to do these things, but I think you're frustrated because you haven't been able to figure it out. Also can you go to weekly therapy?

No. I'm not doing weekly therapy I'm doing what my therapist advises.

I don't get mad on the why. If I was worth a million bucks no one would give a poo poo about the why. I get mad on the when/what/how. I've mentioned I want to post an outline and a plan and "let's wait a bit so I can get that together". You know, to stop the "sky is falling again" type of deal.

I think you guys tend to overthink/overanalyze stuff sometimes. I do too and actually that's something I'm working on with my therapist. The why is loving easy and it's driving me crazy because I keep saying this: I think it would be a fun adventure. Why do I think it would be a fun adventure? That's self explanatory. It would mean seeing more of North America which is an ambition of mine, it would mean constant family time, it would mean a year off for my wife to be a full time mom to my boy, it would mean I could engage my flightiness in a relatively fiscally responsible way, and I think it would enable me to get out of my element to help me work out some of my addictive behaviors around some bad rear end nature and cultures (no I'm not saying it would fix them, that's on me).

Why do I want all of that? Because those are things I find important. Why do I find them important? Those kinds of things are emotionally fulfilling to me.

I've known all of this since the first time I thought of it. I feel like I've explained it just in a different way, but this is almost verbatim how my wife and I discussed it.

RheaConfused posted:

KG, really think about your reactions right now. You've already moved to refusing to talk about the RV idea. This is part of a pattern. No one here wants to kill your joy, so to speak. I think goons have brought up a lot of things that you didn't necessarily consider and you are bummed out and just thinking, "great, another idea shot down, why even talk about it?!?" But talking about it is how we work through the issues to help you to your goals.

You say you aren't doing much with it besides paying down debt, but I feel really confident it played a part in the decisions you made at work recently.

Because I have done much of the research here, but the thread didn't want to wait for me to post my plan.

Did the RV trip motivate me to ask for remote work instead of a raise? Yeah. Would I have gotten a raise otherwise considering we're literally laying people off? No I don't think so. I made the right move, and I didn't do it even close to solely for this RV trip. My thought has been "well this would be cool, but if it didn't work out then working remotely is still worth it."

As I said when I initially brought it up this is still relegated to a pipe dream until I can solidify the possibility of it. Is it appealing to say gently caress it, go finance a fifth wheel and a Dodge Cummins Diesel? Sure. Is that would I actually do? Not in a million years. You guys need to learn to open up to trusting me a bit more at this point. I think I've earned a little benefit of the doubt. "Budget for 3 months" and yada yada well here we are. The budget is enabling me to chase these things I want, isn't that the point?

defectivemonkey posted:

Are you drinking again?

I am/was drinking yeah. It's something I'm working through with my therapist.


Anyway I feel like I'm threading it up too much again lately. I'm going to work on being a little less available during work hours for a bit to rekindle my awesome work ethic I've had this year.

Knyteguy
Jul 6, 2005

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Let me get back to you Veskit and Horking it just got suddenly busy. My $75/mo client needs a server upgrade by Saturday. Hey thanks for the notice xcart about discontinuing TLS 1.0 support 5 days from the deadline that happens to be the first weekend day of a holiday.

Man it's hardly worth the $40/mo.

RheaConfused posted:

Why did you start drinking again?

For the RV trip, theoretically your living expenses will go up, but your wife won't work? How will you afford that?

Family pressure. I get a lot of pressure from mine and my wife's family to drink with them.

RV: also later I don't have time to look into everything.

n8r posted:

I think it is a mistake to roll over from discretionary for your vacation. Estimate on the high side the cost of the planned trip, and budget specifically for it. I think you will be far more successful if you do that. Are you still not smoking? The relapse of your drinking is not good. If you really want to stay sober, you may need to look into a 12 step program or consider a professional that can do medication assisted treatment. I've read some recently on how effective treatment of alcoholism can be when combined with medication. Here is the first result on google:
http://www.webmd.com/mental-health/addiction/features/fighting-alcoholism-with-medications

Naltrexone
Naltrexone helps to both reduce the pleasure that alcoholics receive from drinking and the cravings that compel them to seek out more alcohol. It does so by blocking receptors (docking sites) in the brain for endorphins, proteins produced by the body that help to elevate mood. The same receptors also accept narcotics such as morphine and heroin. The drug can be taken as a once-daily pill or in a recently approved once-monthly injectable form.

"Naltrexone sort of gets at the core of what addiction is," Volpicelli says. "The way I like to describe it is that addiction is a condition in which when you do something, you want to do more and more of it. So when people have one or two drinks, instead of stopping after a few drinks they want to have three, four, five, 10 drinks. What we found is that naltrexone breaks that positive feedback loop, so that people can have one or two drinks and they don't feel like having any more."


That sounds cool. I'd hella be down for something that allows me to enjoy a few beers. If NA beers weren't so limited in selection (Kwautalheizen or whatever the hell, O'Douls, and St Pauly NA is about it) then I'd probably never worry about having a drink again. I like a buzz but I get drunk so easily. I don't like being drunk even when I'm drinking.

Every so often though, generally when partying, I will get like that Naltrexone says. I just hit a point where I want to keep downing beers and I don't even remember it. Christmas Eve was the last time I did that.

I'll give it some thought on the vaca I need to sit down and look at what we actually want to do first (ie where to go, can we even do a full week (my wife doesn't have much PTO), etc.

Knyteguy fucked around with this message at 22:41 on May 25, 2016

Knyteguy
Jul 6, 2005

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I think it would be more difficult to work with a kid around when they're a little older. I've worked remotely when my son was sick, and managed to be productive. He was an infant, so I'm not sure how that would change things now.

What I was initially thinking was just going in the room, closing the door, and using noise cancelling headphones.

Here's a couple that does it with a toddler:
https://www.youtube.com/watch?v=u2lM6Wr9PbI

I actually found that video by accident looking at YouTube for something unrelated; this guy wakes up early and does work that way.

I'll have to read up more on them when I'm off work.

Some relevant articles for me to reference later if nothing else:
Working out on the road: http://lessjunkmorejourney.com/working-out-on-the-road/
BFC approved post: http://lessjunkmorejourney.com/can-i-live-with-less-and-still-be-happy/
Family: http://lessjunkmorejourney.com/what-if-i-miss-my-family/

I still have some replies to get to, but I'm kind of in the middle of something. I'll head back up to Veskit's questions and reply from there sometime today.

Edit: and I'm not saying I would do it like this guy. He seems to have more freedom with his scheduling. I'm only posting an example.

Knyteguy fucked around with this message at 19:24 on May 26, 2016

Knyteguy
Jul 6, 2005

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Veskit posted:

What fun adventures can you go on?

What things can you do to see more of North America? (would it be so hard to take 6 500 dollar trips?)

What can you do to be around your family more, or, what would it take for your wife to be able to now stay at home while you work from home? Can you price it out vs the RV?

Is therapy a way to get out of your element and deal with addictive behaviors? 12 step program? Making new sober friends?



The reason you do this why exercises is so you can break apart the big picture into smaller things, then tackle each one individually. Now you have pieces you can work with to fulfill what you're trying to do. You've made it very clear all of these things are important to you, so what can you do to make sure that you complete these important things until you can go on the RV trip.


I'm not saying don't go on the RV trip, or don't plan for it, I'm asking what's a solution you can work on so you can live in the moment the way you want to.

Adventures: well birthday is a good one.

North America: not much. Time constrained. A $500 trip won't get me far. 3 $1000 trips won't even get me far. I'm fine with seeing more of what's around locally though for the moment.

I can price it out but not yet.

No I wouldn't say out of my element per se. It will help though.


Let me know what you're getting at first next time and I'll be more willing to play along.

Horking Delight posted:

I really do wanna hear more about birthday trip, though. I think it's great and your birthday's in August, right? That gives you maybe two months to plan it? How early do you normally plan trips?

How are you gonna fund it/is just cutting from discretionary enough?

Don't you earmark income from your side work as discretionary? Can you funnel some of that into your vacation savings too?

You're looking at one week instead of two? Is that Friday Night -> following Saturday (giving you guys Sunday to rest after returning)?

Do you have specific stuff you're planning on seeing?

Did your wife file for the pto yet/how early does she need to file for it?

Just cutting from discretionary is all we can do. I'm not willing to compromise on the getting out of debt, or at least adding to the emergency fund what we have, which I already consider slow.

No on the earmark. That goes towards debt, and it's not much anyway.

Hopefully a full work week Friday -> Saturday. But it depends on my wife's PTO. She'll have exactly 40 hours by August, leaving her with nothing in case she needs it.

Not yet.

A month should be plenty. They're not too strict there. Probably a month for me also. She hasn't filed we're still working out how much she can take.

RheaConfused posted:

For the RV trip, theoretically your living expenses will go up, but your wife won't work? How will you afford that?

They could go up. The more you move around the more expensive it is. If we planned super carefully how much we travel, when we travel, and where we travel, it should be doable.

RheaConfused posted:

Have you been honest with your family about not drinking and why? If so, and they are still pressuring you, that's not a healthy relationship to be in and you shouldn't spend time with them. Your life and your family are more important.

They know what's up. I almost killed myself drunk driving. They just don't want to look at their own drinking as a problem. Sobriety makes some people really uncomfortable.


Inept posted:

When would you start doing this? A year, two years? I don't really see how you can afford to have your wife not work until your debt is paid off and you make more money at some other job. It's fun to plan, but realistically, this can't happen for several years.

Not sure. Gotta get together an outline of everything, and we're going to Sacramento this weekend for the holiday. I can't really give a better answer than that at the moment.

SiGmA_X posted:

Kg, you should come for an RV trip to Portland and donate your workout equipment to me! I need weights and you need an RV trip, win-win!

Pay for the RV rental up there! :D

Weights aren't that expensive man for just Standard oly plates if you shop around. I remember someone mentioned wanting a squat rack... even that's not over the top. If I were in better shape again I would just buy a pull-up bar personally. I got pretty loving ripped doing pull-ups constantly, and weighted sit-ups/core exercises. Definitely easier to already be fit and do that though.

I'd love to revisit Portland sometime though. My best friend and I took a trip up there and got scammed by some dude right off the bus. He offered to show us around, and we walked around for like 3 hours before he asked if we wanted weed. It was only $20 and I think he was homeless. Then we saw some lady asking a cop "piggy want some gum?" right as he was walking by right near the river downtown. Then we bought weed at some park near downtown like it was nothing. Funny stuff I actually almost got an apartment there during that trip I liked it so much. To be 19 with no responsibilities again.

n8r posted:

Aren't you a person with lots of things? You also buy lots of new things, most recently a bike rack and trailer hitch. You should try living with the amount of things you could fit on an RV, I bet you won't be happy about it.

Not really. Most of our stuff is furniture, kitchen stuff, and home/garden stuff. We could downsize quite a bit. In fact I kind of already have considering I just sold a ton of stuff, and my wife has been giving away baby gear we no longer need.

Besides like clothes and stuff necessary to keep the house going, I can't really think of much tangible goods I've purchased in awhile actually. Last thing on Amazon was March 12th a comic book, March 16th a haircut kit (already paid for itself), a Roku in March that we would bring with us if we did this...

That's as far back as I can go with YNAB since we redid the budget in March. I'm sure it's slightly more than that, but yeah I haven't been buying much physical goods.

e: Oh and the bike trailer for the baby, but we'd bring that with us also.

Knyteguy
Jul 6, 2005

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Veskit posted:

Sure thing knyte, next time.




Next time.

Man say what you mean instead of this stuff.

Night Witch posted:

Since you're interested in RVs, you might want to look into transporting RVs. Sometimes RV companies need them driven to other locations and will give you a discount on the RV rental. The only problem is that you'd need to find your own transportation for the trip home or the trip to the RV. It could be a cheaper way of trying out the RV lifestyle. https://www.cruiseamerica.com/rv-rentals/rv-rental-4/

Huh this would be interesting for the birthday trip if we could manage it.

But holy poo poo those rates are nuts for normal rentals. We can't rent an RV for this trip if it's that expensive.

Worst case scenario my mom and step dad have a pop-out tent trailer. Maybe I could borrow that to keep it cheaper. I'm not sure what condition it's in though.

Knyteguy
Jul 6, 2005

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leftist heap posted:

I mean, it's a lot of laughs for me but you should probably stop.

Dude I have an awesome life. I don't really give a poo poo what you think about me.

Knyteguy
Jul 6, 2005

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n8r posted:

You are just now looking at RV rental rates? You are planning on paying for this trip from leftover discretionary (which there hasn't been much of most months). It really sounds like you are setting yourself up for a major spending mistake.

If you had done the least bit of research (which I did when I was considering one of these trips last year), you will find that the rates vary wildly depending on the time of year. In mid-October you can get 'offseason' rates, a week rental from the Vegas location will run ~$350 for a 'standard' RV. There is also a mileage fee of $245 for 700 miles. Combine that with RV camping fees, fuel, and park entry fees, expect to spend $1k without purchasing food. This is for a trip where the weather could be pretty crummy.

I looked. Remember I mentioned Burning Man rates being extortionate.

Probably out of the question then for now. We can do an RV trip later for fun. I'm not going to be upset if my birthday isn't "perfect"; I'd just like to do something.

Knyteguy
Jul 6, 2005

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Horking Delight posted:

Check-in time! How's it going? How's the mood panda? How's the budget? How's the vacation saving?

After this therapy time I've done some reflection, and I've decided that I'm going to be taking a break from the thread/BFC for an indeterminate amount of time (2-3 months probably). I need to take a bit of a break while I work through some anxiety issues that have begun to manifest physically into a legitimate medical issue, and I kind of need to deal with it now so things don't get worse.

Other than the anxiety stuff, things are going relatively well. I'll fill you guys in again when I come back, and it should be a positive update.

Just thought I'd let you know so everyone doesn't think I'm dead or my wife is pregnant again or something. This will legitimately be my last post in here for awhile. Hope to talk you guys soon when I'm in a healthier place via therapy and other things. Thank you for the help so far.

Knyteguy
Jul 6, 2005

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Just give me time guys. I told you I needed time, and I didn't give an exact time, only a probably 3-4 months. That probably has come and went but I'm still not ready. This thread was causing me to feel incredibly anxious, which thankfully went away after I stopped posting, but I still need more time. I'll go into some things I've been working on in the future when I'm ready to. Thank you for the support since my last post.


Now a quick financial note back to the apartment that I could genuinely use some input on - so we just got billed $439 which was exactly the amount I disputed in that letter about a year and a half ago. They're saying they're going to send it to a collection agency if we don't pay. Now I kept all of the documents including a letter that was signed as received by a worker in the office, of which we have the signature and the letter. Actually the signature is on the back of the letter as received.

Now the law basically says: if you dispute an itemized deduction (which we have proof that we did), then landlords have to take you to court for a judgement but can't send it to a collections agency before that. This is all in the letter I sent, and again was dated, and signed as received.

What should I do? If they send it to a collection agency then they will be breaking the NRS statute which is clearly stated in the letter. Should I tell them they can't do this because of the letter, and send copies of everything we have, or do I let them break the law with a potential repercussion on their end? I'd imagine lawyering up would cost more money than the $439.

Knyteguy
Jul 6, 2005

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IllegallySober posted:

I can't help you with the legal question but:

- Glad you're doing (relatively) well, and

- That name change is going to take some getting used to :)

Yep! I feel like things are going well. Probably better than they have in many years actually. I've managed to really cut a lot of anxiety "triggers" out of my life.

BarbarianElephant posted:

It's really stressful to take a lot of negative criticism on the internet, even if well-meant and asked-for. I personally can never handle it, so you have done pretty good taking hundreds of pages of advice. Good luck with the $439.

Totally. It's not much fun being the center of a attention when much of it is, if not directly negative, then in what I was perceiving in a negative light. It felt like I was being kicked repeatedly and just coming back and asking for more fairly often. That's a little unfair, but yeah I can't necessarily change how I feel :shrug:. Some in here may not like it, but I have to look out for myself first.

il serpente cosmico posted:

First off, I'm not a lawyer, but I play one on the internet.

What is your end goal here? If they take you to small claims court, you won't necessarily need to lawyer up (in fact, it's probably inadvisable given the relatively small amount of money they're going after you for). They may win, however, and then you'll have a judgment against you. If you don't pay, depending on your state, you could have wages garnished or tax refunds seized to pay out the judgment. Or you could win, or you could go to arbitration and end up having to pay a smaller amount.

If they do illegally send you to collections, you could sue them (or potentially threaten to sue them and ask for a settlement), but this process could take a very long time to settle.

If it were me in this situation, and I really, really didn't want to pay what they said I owed, I'd send them the proof of the dispute letter you sent them, as well as a copy of the statute they're violating, as well as a new letter summarizing that you previously disputed it, and the potential bad things that could happen if they send you to collections. Then let them do as they please.

Getting sent to collections would give you recourse, but in the meantime you'd have to deal with being sent to collections, which can drastically lower your credit score and you'd have to deal with scummy creditors bothering you. Getting taken to small claims court would also suck, but you could at least present your case there and hope for the best.

Would you be willing to try to settle with them for a lower amount of money? They might be willing to do this once they realize they can't legally send you to collections.

I'm kind of torn on the end goal. I want it to go away, but I wouldn't mind being the person with their ducks in a row finally when it comes to something like this. This $439 is pretty shiesty to me. The reason they're charging it to us is because they kept charging us rent for 17 days after we moved out, since they said they didn't realize we'd left. We gave them a 30-day note stating our intention and our move out date, they called one number on the contact sheet "leaving messages" that somehow we never saw or received (and they never tried another contact number of which they had 3), and basically I think they were just trying to milk us for breaking our lease early. They have a duty to mitigate damages in situations like this per the law, and I feel like they didn't do a good job meeting that.

I'm hesitant to settle. We already paid them when we sent our dispute letter ~$936 in a check, plus it ate our $550 deposit. We disputed only the $439 of extra rent they charged. They charged us $100 to paint one small wall with apartment-grade paint, $50 to clean the carpet of a 4'x4' closet, they charged us a month of rent. We paid all of that and now 1.5 years after sending that initial dispute they want more, and the debt letter is kind of threatening with their wording. It's incredibly tempting to let them screw up.

I'm still undecided, so I'll give it some thought over the weekend. Thanks for the help.


Last post again for awhile. I'm sure that this is incredibly unfulfilling for many of you, but I need to look out for my own mental health, and frankly things are going pretty well. If we make no additional debt payments from this point, we'll be out of debt except around $6,000-7,000 in student loans within 2-3 years. Wife got a $1.25/hr raise to $15/hr and a promotion. We're currently saving $1,500 a month with a new forced spending limit system setup. We opened a second checking account with Ally, and all of our monthly expenses and discretionary money comes out of there with a hard limit, while our other bank account is for autopay monthly bills. This is on its way to being automated, in that $750 per my paychecks goes directly into our savings account, and I'll be setting up our second checking to withdraw our monthly expenses automatically soon as well.

So to visualize how it's setup a bit:
Checking 1 - fixed monthly bills ($3,230) rent daycare etc
Checking 2 - dynamic monthly expenses ($1285/mo) gas, pets, groceries, spending money
Savings 1 - catch-all savings account/emergency fund. ($1500/mo or 24.95% savings rate net income per month.)

I like it because I don't have to think about it, being automated. If checking 2 runs out of money we don't carry any credit cards or our checking 1 bank card with us. Just can't spend any money and we have to plan in advance any large purchases.

:cheers: guys if I'm feeling up for it then I'll post an update sometime.

Knyteguy
Jul 6, 2005

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Toilet Rascal
Hey again guys! Thanks for the nice thoughts. Just posting a little update before I scurry back into my comfortable hole: I've secured a side-gig web dev contract with a company my brother-in-law works for. Its value in total is $45,000 in gross income.

I've already eaten through $544 in startup expenses (LLC and business license registration, an NV registered agent, and two domain names). My grandma may recompense me on the LLC registration fee, but I'm not sure if I want her to because of the total payout. I negotiated 7% of the total contract in payment to start, so that will be $3150 to pay myself back the expenses.

I'm hoping to expand the side-gig further if the total experience of this contract is positive.

As far as what I plan to do with the money: I want to make it work for us. Whether that's debt payoff for a net increase in monthly expendable income, investing a small part of it back into the business, or [other]. Likely all of the above, but I intend on sitting on it for awhile to make a very thoughtful decision with it. I'll be keeping all of it less the expenses that come out of my pocket (detailed above) in the business checking account I'll be opening on Wednesday.

I'm open to suggestions on other ways to make the money work for us. I'm extremely skeptical of buying a home at this point in my life, just to throw it out there. I truly want to make the money work for us, and getting in a bunch of debt with it doesn't seem like the right way to approach the situation at the moment.

Other than that everything is roughly the same as the previous update. We'll be continuing with that system.

e: need to do some research on something.

Knyteguy fucked around with this message at 04:10 on Jan 31, 2017

Knyteguy
Jul 6, 2005

YES to love
NO to shirts


Toilet Rascal

BloodBag posted:

Man, I just hope you're not getting scammed. Personally I avoid doing business with family, just because I've been burned one too many times. YMMV, but family tends to take advantage because family.

I could be wrong, but I don't think so in this case. I don't see what the con is unless it was to have me eat startup costs for some reason.

n8r posted:

Just don't spend any of it until you get paid. Make sure you are setting aside a sufficient amount to cover taxes - make sure you don't have to pay estimated quarterly taxes on this sort of stuff. I do think that you should set aside some of the money you make for 'fun' because you will be working for it. Here is an easy way to decide you're ready to buy a house, do you have 20% down?

OK, thanks. Yeah I would have held off on even the startup costs, but I wanted the contract to be with my company rather than myself for liability purposes. I'll hold money for taxes, and really all of the money in the bank for awhile after the final payment just to make sure I have my bases covered. I do intend on seeing a CPA also.

Fun stuff yeah maybe if I'm feeling burnout which I expect to.

Knyteguy fucked around with this message at 03:59 on Jan 31, 2017

Knyteguy
Jul 6, 2005

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NO to shirts


Toilet Rascal
Everything is on the up and up guys. Thanks.

Knyteguy fucked around with this message at 04:18 on Jan 31, 2017

Knyteguy
Jul 6, 2005

YES to love
NO to shirts


Toilet Rascal

n8r posted:

All I have to say on it is this: If his boss found out about your arrangement, do you think your BIL would be in deep poo poo? If so, don't do it.

Well what I'll do is contact my business lawyer and then just take his advice to be safe (and I have some other stuff I want to ask before sending the contract). I think it's prudent to not say anything more until talking to my lawyer though, just to be cautious, as things can be misconstrued and turn into a headache. I'm 99.99% sure that everything is kosher, but hey that .01% should be covered too. I haven't signed or even drafted the contract or anything, so I'll hold off on that until confirming :).

Thank you guys. Talk to you again later.

Knyteguy fucked around with this message at 05:39 on Jan 31, 2017

Knyteguy
Jul 6, 2005

YES to love
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Toilet Rascal
Hope you guys are doing well.

I actually took back the chair after I got it. I wasn't $1,200 happy with it. Currently using my broken chair until I find something that is worth it. I'll probably pull the trigger again next time my back seizes up, but that hasn't happened in awhile.

Got a 5% raise making $65,000 now. Not amazing for the field but it's something. Got permission to work remotely anywhere I want, so a move may be in the future. Rent in Reno is getting absolutely insane ($1,100 one bedroom apartments, which is what we pay for a SFH on a 1/3rd acre in a desirable area), but somehow without a lease our landlord has not raised the rent on us.

Contract is going well, I made $400/hr on an emergency fix the other day (totaling $1,200), and I'm sitting on the money I've made so far for something unknown, but probably a house down payment eventually. Not in any hurry. There's about $30,000 left on the contract.

Knyteguy fucked around with this message at 21:29 on May 26, 2017

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Knyteguy
Jul 6, 2005

YES to love
NO to shirts


Toilet Rascal

n8r posted:

Go standing desk with a stool. Lots of stuff out there to convert an existing desk. Get a pad to stand on problem solved.

I'm very interested in these. Right now though I'm content with what's going on since I can move between a standard desk, the couch, and a little patio outside to minimize the same type of compression.

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