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Add me to the "wow exciting" pile. Would also love an Ask/Tell thread about the stuff you are allowed to talk about once it's aired!
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May 17, 2018 20:17
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Yeah, I'll answer anything in the thread here, and I'll look at making an A/T topic as long as I don't win enough for crackpots to want to hunt me down IRL or something. And in more immediately relevant news: After another lucky run through trivia apps over the last week and the check from dog insurance showing up...  I'm debt free! Made the final payment on my credit card today (bringing the account itself to zero) and have a healthy cushion in Checking so I don't have to go to the credit card before the next time I'm paid. The emergency fund (and separate account for annual expenses) is burgeoning and I'll be working to get that up to 9-12 months next. It took a lot of discipline and a lot of work (but mostly a lot lot LOT of good fortune) to get here so quickly, and I'm not planning to increase my spending at all from its current point. Time to get the emergency fund to a good, healthy level, increase my 401k contribution further, and stay the fuuuuuuuuuuuuuuuck away from fantasy sports. If I can just dump the money I've been underspending this year into savings, my situation is going to continue to get better fast. Hitting $0 net worth was an incredible relief, but I bet 10k is better and 100k is unreal. Thank you all so much for pointing me in the right direction so often and telling me what I needed (and often didn't want) to hear. Now, to just not make another thread a year from now when my wife gets really into Wonderhangers... I bumped up my withholding again at work so my takehome per month is probably going to be ~2600 or so for the rest of the year, but hopefully that'll lead to me not getting another nasty tax surprise next year. I'm under 2000 total spending per month now, so that shouldn't be a problem. I know there's probably concern that as soon as the trivia app windfall machine dries up I won't be able to make ends meet. If I can't easily meet my spending and saving goals I won't hesitate to come back here and ask for help--anything to not get way behind again. Man. What a rush.
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May 19, 2018 10:08
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I don't think I've posted in this thread before, but I've been watching along. Congrats! Great work fixing stuff in an incredible amount of time (I suppose it helped to have a deadline, but not everyone would do it regardless).
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May 19, 2018 14:24
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Super cool, dude. Congrats!
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May 19, 2018 16:15
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This is a cool thread and I had fun following along. The fact that you're already thinking about "what happens when trivia stops" makes me think you're gonna be fine. How many goons have been inspired by Zaurg to fix their finances, maybe that was his true calling all along
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May 19, 2018 18:00
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Spokes posted:
Congrats!!! Savor this feeling and remember everything about it. Then the next time you feel the temptation, just remember this moment. Well done and keep it up!
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May 19, 2018 18:19
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I'm dual-budgeting in YNAB and financier.io currently and plan to switch over before my annual payment is due, they seem pretty similar for my use cases. Here's June's budget, open to input: My current accounts as of June 1: Checking: $900 (Currently $2200 but factoring in payment of the rest of May's purchases and rent on June 1, I'll get paid on June 5) Credit card: $0 (holy poo poo, right?) Ally Emergency Fund: $801.56 Ally Annual Purchases Savings*: $156.05 Bank of America Savings account: $439.71 (this is where the auto-transfers go, effectively a super-liquid tiny emergency fund since i can xfer right to checking if I need  immediately)Projected income (after withholding increase) for the month is ~$2600. *Annual purchases currently includes Dashlane, YNAB, Amazon Prime, Spotify, Car Registration/Smog, New Clothes, Christmas/Birthday Gifts, Dog Medical Deductible, and Car Insurance -- If I missed anything let me know!  "Gaming" is up to 150 from 100 because it includes the misc. vegas trip spending--hotel and tournament entry/cards are already paid for. I may need to pull from it to cover gas as well, depending on if I can split that. I've gotten back into Dance Dance Revolution to lose weight over the last couple weeks and I want to save up for a good pad to play on. (I see that category right next to Tokyo 2020, I know what you're thinking). My primary goal is still to get a pretty big emergency fund going because my current work position still seems a bit tenuous (although I did just get a solid annual review, so I don't think I'm personally first on the chopping block). As far as extra income going forward: without working as much overtime as I did over the last few months, I can really start looking at more efficient monetizing of my writing/programming/3D printing hobbies instead of pumping out lovely 500 word blog posts for blogmutt for $10 each to make ends meet (which i'm super grateful for). Sky's the limit!
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May 21, 2018 21:58
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Congrats on being debt free Do you think trivia winnings have replaced your DFS gambling urges? What happens when trivia slows down/stops?
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May 22, 2018 03:50
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zaurg posted:Congrats on being debt free Well, he’s doing this thing called actually planning for upcoming expenses, sticking with goals and not getting side tracked. So while no one should assume they’ll be perfect, I have a feeling the incentives he’s placing elsewhere (like goal of Tokyo 2020) is going to replace them.
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May 22, 2018 05:11
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zaurg posted:Congrats on being debt free Nah, I don’t think so. I had never tried saving money before (that sounds very dumb but its true) and DFS isn’t nearly as good a feeling (and honestly, I’m a massive loser in it). I’ll probably play a very small bit with friends during the football season but it’ll come out of my already-allocated gaming budget. I’m planning to write more and try to get something serious published now that I’m not working so much; so I think I’ll be able to stay busy with that and other hobbies. Time will tell, though!
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May 22, 2018 05:12
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You have an Annual Payments category that covers a ton of stuff like mine cool Do you think it would be better to separate that out into each category like BFC suggests, instead of lumping lots of expenses into one category? I get pissed on a lot for that, just curious of your view.
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May 22, 2018 11:18
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Good catch -- I do actually have them itemized in the budget itself, just didn't want to bore anyone by making the version i shared twice as long
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May 22, 2018 14:15
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I don't see a line item for renter's insurance. It's cheap and you should get it if you don't already have it. You don't want to get back in debt because a fire/burglary forces you to put a bunch of stuff on credit cards again.
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May 22, 2018 15:08
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Inept posted:I don't see a line item for renter's insurance. It's cheap and you should get it if you don't already have it. You don't want to get back in debt because a fire/burglary forces you to put a bunch of stuff on credit cards again. Seconding here. I'm currently renting and renter's insurance is pocket change compared to the cost of the stuff that you have.
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May 22, 2018 15:23
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Inept posted:I don't see a line item for renter's insurance. It's cheap and you should get it if you don't already have it. You don't want to get back in debt because a fire/burglary forces you to put a bunch of stuff on credit cards again. It also covers stuff in your car that gets stolen or damaged and auto insurance won't cover that.
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May 22, 2018 16:56
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Renter's insurance is a scam. Well all insurance is, but especially that one.
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May 22, 2018 18:19
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zaurg posted:Renter's insurance is a scam. This is a bad and wrong take.
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May 22, 2018 18:56
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zaurg posted:Renter's insurance is a scam. Higgy posted:This is a bad and wrong take.
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May 22, 2018 19:16
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zaurg posted:Renter's insurance is a scam. You're an idiot. Don't post.
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May 22, 2018 19:44
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see, now i'm on the fence... lots of people saying something is good, zaurg saying it's bad... what am I to do? just kidding, i'll look into getting renters insurance asap
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May 22, 2018 19:58
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Spokes posted:see, now i'm on the fence... lots of people saying something is good, zaurg saying it's bad... what am I to do? This a good and correct take.
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May 22, 2018 20:01
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ego symphonic posted:You're an idiot. Don't post. My posting has been a lot more effective in this thread than yours.  Maybe try helping the OP instead of shitposting.
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May 22, 2018 20:13
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Get the gently caress out of here Zaurg you stupid loving clownbaby. Stick to your thread and don't post in the rest of BFC you're literally the poster child for making stupid financial decisions despite the best advice in the forums pounding down on you like a hail made of gold nuggets.
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May 22, 2018 20:24
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EAT FASTER!!!!!! posted:Get the gently caress out of here Zaurg you stupid loving clownbaby. This needs to be re quoted.
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May 22, 2018 22:08
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Spokes posted:see, now i'm on the fence... lots of people saying something is good, zaurg saying it's bad... what am I to do?
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May 22, 2018 22:13
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gently caress off zaurg
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May 22, 2018 22:39
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OP: 1) great work on getting back to debt free and a little paid ahead, A+! 2) I'm surprised your landlord doesn't require renters insurance! Its really inexpensive, and while yes, all insurance is a waste of money (til you need it!!), its very affordable and it insures you from ~poo poo happening~ because as you know, poo poo happens. 3) You may want to bucket your annual misc expenses like you are for your monthly, so you can see required (car reg) vs elective. Just an idea. Its pretty obvious they fit into your budget as is though, so maybe that's overkill. EAT FASTER!!!!!! posted:
SiGmA_X fucked around with this message at 23:53 on May 22, 2018 |
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May 22, 2018 23:48
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SiGmA_X posted:3) You may want to bucket your annual misc expenses like you are for your monthly, so you can see required (car reg) vs elective. Just an idea. Its pretty obvious they fit into your budget as is though, so maybe that's overkill. Do you mean like this? I posted it separately and it was when i was talking to zaurg so i understand if you skimmed past. If not, i'm definitely interested in hearing what you meant because i didn't understand it Spokes posted:Good catch -- I do actually have them itemized in the budget itself, just didn't want to bore anyone by making the version i shared twice as long
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May 23, 2018 06:01
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Spokes posted:Do you mean like this? I posted it separately and it was when i was talking to zaurg so i understand if you skimmed past. If not, i'm definitely interested in hearing what you meant because i didn't understand it
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May 23, 2018 07:03
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Hey folks -- Still doing alright, Millionaire is on tomorrow, looking forward to no CC payment on my budget for june and just shoveling piles of money into my savings account like an old-timey railroad train furnace room. I'll post a May retrospective on June 1 so I don't try to sweep anything under the rug at the end of the month as i am often wont to do
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May 30, 2018 04:24
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Spokes posted:Hey folks -- Still doing alright, Millionaire is on tomorrow, looking forward to no CC payment on my budget for june and just shoveling piles of money into my savings account like an old-timey railroad train furnace room. I'll post a May retrospective on June 1 so I don't try to sweep anything under the rug at the end of the month as i am often wont to do Is this on GSN? What is your first name
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May 30, 2018 07:55
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Droo posted:Is this on GSN? What is your first name ABC most places, i think -- some FOX affiliates, maybe? You can find the local listing here: https://millionairetv.dadt.com/ . It's on at literally 1 am some places, so I'll post a link in here when i get one. Name's John, I should be the only one on the episode today unless they do some weird cut or something.
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May 30, 2018 13:58
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We could torture Jeopardy fans by making them watch this show in real time. Congrats on the cash
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May 30, 2018 23:31
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Droo posted:We could torture Jeopardy fans by making them watch this show in real time. Congrats on the cash What'd he win?
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May 30, 2018 23:36
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If you find a video link post it. I tried to record it but apparently I don’t get the channel (it the DVR hosed up).
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May 30, 2018 23:45
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TraderStav posted:What'd he win? Here’s the link: https://www.youtube.com/watch?v=K6E7D8DzaVM just about enough to get my emergency fund finished
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May 31, 2018 00:50
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Spokes posted:Here’s the link: Congrats! It's always fun to have some rooting interest for people on game shows. Unsurprisingly, given where we're posting, I had basically the same game as you, with the same easy/hard questions (although that's easy for me to say sitting here on my computer instead of on stage). Good work putting in the work to prep for this. Even though it's not a life changing amount of money by any means, that'll be a nice boost.
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May 31, 2018 02:05
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Spokes posted:Here’s the link: Congrats, and as we keep telling you, good work getting the ~paying attention to monies~ under control. Zaurg could learn buckets from you! (Instead, he gets buckets of goon supplied golden showers)
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May 31, 2018 03:45
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Congrats!
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May 31, 2018 04:57
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Congrats!!! I can’t believe they make you stand the whole fine, jeez. I imagine it makes focusing pretty hard!
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May 31, 2018 06:40
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