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Also your credit score getting a hard pull is completely loving irrelevant; you've already hosed it to poo poo with your crappy decision making in the past, and you can't afford any new lines of credit until you've closed out the debts you've already accumulated. Apart from getting approved for new debt your credit score is loving irrelevant and you don't need new debt.
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Jun 18, 2019 22:21
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Dwight Eisenhower posted:Apart from getting approved for new debt your credit score is loving irrelevant and you don't need new debt. But America tell me make number bigger win game! 
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Jun 18, 2019 22:33
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its interesting to contrast KG and zrg zag is legitimately a deeply stupid individual KG is a master of rationalization
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Jun 18, 2019 22:46
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KYOON GRIFFEY JR posted:its interesting to contrast KG and zrg Now, now, it's possible that KG is also stupid, and zaurg tries to rationalize things, her's just bad at it because he's dumb.
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Jun 18, 2019 22:54
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https://forums.somethingawful.com/showthread.php?threadid=3586966&userid=81272quote:Thanks! ~12 days later... https://forums.somethingawful.com/showthread.php?threadid=3586966&userid=81272 quote:So... wife is pregnant. We're already set to get that apartment. We ended up going for a 2 bedroom for ~$765.00 / mo instead of the 1 bedroom. It looks like it's a good thing we did. quote:We were trying to have a baby actually. It wasn't really a decision we made because of financials either way. Worst comes to worst we have lots of family to fall back on (which we're truly lucky to have). I have friends who can get me in a warehouse job with a pay of $11/hr if necessary as well. We're really going to work hard on getting the emergency fund pumped up, though. Only at page 9...
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Jun 18, 2019 23:29
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I do not remember the RV stuff being brought up back then, holy poo poo. Everyone's like "don't do it" and he does it
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Jun 18, 2019 23:40
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My Rhythmic Crotch posted:I do not remember the RV stuff being brought up back then, holy poo poo. Everyone's like "don't do it" and he does it But the problem is totally everyone and everything else making him upset or anxious or depressed or angry so he has to do these things, not his own impulsiveness.
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Jun 18, 2019 23:43
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the impulsiveness is the little push, I think that his finely honed art for deflecting is the root of the problem when he has to confront the uncomfortable prospect of delaying gratification to meet his financial goals he deflects from that confrontation and focuses on all the sacrifices he's making to justify the impulsive spend when he is confronted with the uncomfortable prospect of evaluating the very poor decisions that set him on his current course he deflects by posting a torrent of photos of his rv road trip when he is confronted with his own posts from the past like where he hates everything but his immediate family because his mom got drunk and got a dui on thanksgiving he deflects by running away from the thread and not improving anything and when he finally does come around to post again showing how miserably he's executed his financial plans, he'll deflect from his own lack of discipline and instead blame we terrible bfc goons for making financial literacy such an emotionally painful subject
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Jun 19, 2019 00:56
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April posted:But... you haven't answered those questions that have been asked repeatedly? No, it’s like n8r said, we tried to spend money to save money again. I guess there is a pattern there. We financed a new truck because the old truck was 12% apr it wasn’t paying down very quickly. $38,000 plus $7k in negative equity is our truck. 2018 Silverado half ton. Definitely pretty generic. Did I really buy the ps4 while we still had payday loans? My wife is following along, so having her point out poo poo from the feedback helps. What other patterns are you guys observing? Every single time I go to a car dealership I walk away in a worse financial position. I need to, and will stay away from those places. That’s one of my own observations. With both the Corolla and the Silverado I intended on trying to lessen our debt walking in but didn’t. Knyteguy fucked around with this message at 01:14 on Jun 19, 2019 |
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Jun 19, 2019 01:09
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Hi all, Like KG said I'm a lurker here in this thread but I wanted you all to know that reading all of this has really made me question our past choices. There were some choices that we both realized were bad in hindsight, but there were definitely things that I didn't think about much that I'm evaluating now. So thanks for that. I think that I/we may be realizing the cycle we're stuck in. I'm not much for posting but I'll pop in here and there and give my POV. Thanks!
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Jun 19, 2019 01:31
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You are currently both suffering from MPD - multiple pickuptruck disorder. Hopefully you'll amend your ways before you're old and making a choice between taking your meds or eating food for the day.
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Jun 19, 2019 01:33
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Ok so how about this plan, based on feedback. 1) pay off the credit cards this Friday as planned. 2) save up $5,000. This will allow us to get into an apartment ASAP in case of emergency and pick up some furniture. Keep this money in savings. 3) continue back to debt pay down (RV -> student loans -> truck) This should only set us back a month. I’m fine with a mini-van when we can get the truck sold, but we’re a ways out from that. Moving jobs is hard for me; I am underpaid but I am also very comfortable. I do have a new job since last September however it’s with the same coworkers. My boss’s company failed so we went to one of the clients we contracted with.
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Jun 19, 2019 01:34
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Sleazy car salesmen are a trope for a reason. One of the classic cons is focusing a buyer's attention on the finance plan (small numbers) while burying the price (big number). (This is not to say that buyers are helpless at a dealership. They're not. But dealers are practiced and they will play any angles that you leave open.) Gazpacho fucked around with this message at 01:45 on Jun 19, 2019 |
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Jun 19, 2019 01:37
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Knyteguy posted:Did I really buy the ps4 while we still had payday loans? Since you edited your OP from the first thread it’s a little hard to tell, but it wasn’t far after that if it was. From page 1 of your old thread: Knyteguy posted:I bought the Playstation 4 this week, so that's where the largest amount of that spending cash comes from. It's pretty much our Christmas present this year (more mine, I'll still get my wife something). The business expenses cost $193.00 so far, and made us $224.00 (gross). As stated earlier I also cut quite a few of these expenses which won't be reflected for the next few months (a quarterly bill hit us this month).
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Jun 19, 2019 02:20
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Gazpacho posted:Sleazy car salesmen are a trope for a reason. One of the classic cons is focusing a buyer's attention on the finance plan (small numbers) while burying the price (big number). Well like posters have said I do need to own my problems. As an alcoholic should stay away from the bar, I need to stay away from car dealerships. I quit paying attention to car ads for this reason, but I keep thinking I can shortcut things. And I need to stop financing things for sure. It’s never worth it. I’m going to post our budget every single day for scrutiny. I won’t hide anything even if it means a bunch of goon wrath will come down upon me, but how about I just do what needs to be done instead. We have a campground membership that we can sell for $1,500 to $2,000 I think. Sell it right? It was useful on the road, but I don’t foresee us using it again.
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Jun 19, 2019 02:25
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IllegallySober posted:Since you edited your OP from the first thread it’s a little hard to tell, but it wasn’t far after that if it was. From page 1 of your old thread: Wow, yeah... what the gently caress. With a few years of separation from that post I look really dumb, don’t I. I’ll be more open to you guys calling me out on poo poo. My motivations are genuine.
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Jun 19, 2019 02:28
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Knyteguy posted:Ok so how about this plan, based on feedback. One effort post from me. If you guys honestly, no bullshit, have $5000/mo to put towards your debt, this is what I would do: 1) pay off the credit cards this Friday as planned. 2) Have Mrs. Owl put 3% of her gross into her 401(k) to get the matching. If I remember the numbers correctly, this should be about $85/mo. 3) Order of these two doesn’t matter a whole lot if you have many thousands per month to use: - a) Get the RV out from underwater. - b) Save enough to move into a rental property. 4) As soon as those two are done, move. As a side benefit this should let you stop the rental storage. 5) Sell the RV. You may not like it, and it doesn’t maximize your debt repayment speed, but get rid of it. Close that chapter. Move forward. 6) Focus every effort into getting into a position to sell the truck and getting a reliable used car. Do that and before Christmas 2020 you can have your family be in an actual home, have a decent but reliable unflashy car, be out of debt, and have a few thousand in a 401(k).
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Jun 19, 2019 02:28
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Knyteguy posted:What other patterns are you guys observing? Every time you go to therapy you find nothing to work on.
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Jun 19, 2019 02:35
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I vote we cut to the chase and send this thread to E/N, but I'm a power-hungry tyrant who thirsts for fresh blood, and I also have your best interests at heart.
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Jun 19, 2019 02:47
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Bobbie Wickham posted:I vote we cut to the chase and send this thread to E/N, but I'm a power-hungry tyrant who thirsts for fresh blood, and I also have your best interests at heart. Your vote my vote. Again this is not a problem that can be solved with financial advice. (yet)
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Jun 19, 2019 02:58
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WithoutTheFezOn posted:One effort post from me. If you guys honestly, no bullshit, have $5000/mo to put towards your debt, this is what I would do: Unless my numbers are somehow drastically off I think that is the case. At this point I feel pretty dumb, so let me just wait for some further feedback on this. I’m fine with it. Bobbie Wickham posted:I vote we cut to the chase and send this thread to E/N, but I'm a power-hungry tyrant who thirsts for fresh blood, and I also have your best interests at heart. I am very uninterested in this. I don’t think I’ll participate further in that case. I’m not very comfortable sharing personal stuff; one of the reasons I fight so hard in here sometimes. I’m willing to try a shrink one more time, but I want to wait for health insurance. Edit: or at least, can you explain what is e/n? I don’t even know what goes on in there. I might agree as long as it ends up back here I don’t know what to think right now. Knyteguy fucked around with this message at 03:16 on Jun 19, 2019 |
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Jun 19, 2019 02:58
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Knyteguy posted:
You’ve posted pictures of your kid, the city you live in, family drama, and a good amount of what you do for work. The personal stuff boat has sailed already dawg. Idc what forum it’s in, just a weird hill to die on.
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Jun 19, 2019 03:35
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E/N is for broken-brain problems, and to just bitch about life in general. This is where you go for advice when you're sick of ruining your own life, like if you live with toxic family members; are coping with substance abuse; have avoidance issues; make poor decisions; have little impulse control; self-soothe with harmful substances or behavior (shopping, gambling, etc.); sabotage yourself constantly; let your emotions and/or others undermine the quality of your life, and so on. You're loving perfect.
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Jun 19, 2019 03:37
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I will say it's good that your wife is reading this thread, getting on board, and seeing the consequences of some of the decisions that were made. It's a little refreshing after zurg and careful drums. That said, I can't believe how much further in the hole you've fallen. Your kid learns financial habits from you and the outlook is not good right now. If you turn this around before he's old enough to really internalize your lovely relationship with money habits maybe you can break the cycle.
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Jun 19, 2019 04:01
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ExtrudeAlongCurve posted:I will say it's good that your wife is reading this thread, getting on board, and seeing the consequences of some of the decisions that were made. It's a little refreshing after zurg and careful drums. No spoilers on careful drums. I just started reading. Yeah I agree, many of my bad spending habits came from my parents. I think they already had two bankruptcies at my age. I definitely don’t want to transfer that to my kid. Bobbie Wickham posted:E/N is for broken-brain problems, and to just bitch about life in general. This is where you go for advice when you're sick of ruining your own life, like if you live with toxic family members; are coping with substance abuse; have avoidance issues; make poor decisions; have little impulse control; self-soothe with harmful substances or behavior (shopping, gambling, etc.); sabotage yourself constantly; let your emotions and/or others undermine the quality of your life, and so on. Well I guess I won’t take my ball and go home. Whatever you guys think it looks like it’s nearly the same crowd anyway, at least in careful drum’s thread. I’d definitely focus heavily on the financial aspect though. I’m just not very good at communicating feelings.
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Jun 19, 2019 04:49
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you're already living in an rv and you're some sort of programmer so what you should probably do is drive to silicon valley, austin or seattle and start job hunting. learn react and you can easily double your current salary and pay off your debt in less than a year
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Jun 19, 2019 05:38
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the talent deficit posted:you're already living in an rv and you're some sort of programmer so what you should probably do is drive to silicon valley, austin or seattle and start job hunting. learn react and you can easily double your current salary and pay off your debt in less than a year I got my employer to pay me to learn react. My first project is already about to be deployed to our sales team probably next week. Kind of why I put redux in the title. I’m not moving out of state though, it’s too hard on my son and my wife just started her very good job.
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Jun 19, 2019 05:44
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IMO you should stop caring about being "comfortable" at your job and look more at developing your career and improving your income. You yourself admit you are underpaid. Nobody is telling you to quit your job on the spot or something crazy but I seriously think you should shop around and see what kind of pay should be expected at your experience/skill level. Having a familiar workplace with familiar faces is nice but in your situation it's madness not to see if you can find a decent place to work at that pays better.
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Jun 19, 2019 05:55
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Ritznit posted:IMO you should stop caring about being "comfortable" at your job and look more at developing your career and improving your income. You yourself admit you are underpaid. Nobody is telling you to quit your job on the spot or something crazy but I seriously think you should shop around and see what kind of pay should be expected at your experience/skill level. Having a familiar workplace with familiar faces is nice but in your situation it's madness not to see if you can find a decent place to work at that pays better. There’s places here in town I want to check out, I’m not saying I’ll stay at my current job forever, but there’s a lot of change going on in our lives right now to the point of being overwhelming. I’ve turned down two offers for $75,000 and that was 2 or 3 years ago, so I know I’m worth at least that. I have a senior in my title and a more well rounded skill set now too. I’ll give interviewing another go after we get a bit settled in. We just got back a few weeks ago. We can make good progress in the meantime.
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Jun 19, 2019 06:05
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Knyteguy posted:There’s places here in town I want to check out, I’m not saying I’ll stay at my current job forever, but there’s a lot of change going on in our lives right now to the point of being overwhelming. i don't know you and i don't know the job market in reno but i do know the job market in tech hotspots. i'm a pretty mediocre senior dev on the west coast and i grossed $275k last year. i'll prob do better this year. i'm not even at a FAANG or start up you've heard of. the bar is so, so low in tech right now and you can do way, way better than $75k
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Jun 19, 2019 06:09
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e: off-topic, probably
Gazpacho fucked around with this message at 06:17 on Jun 19, 2019 |
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Jun 19, 2019 06:15
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What loving industry is able to employ software devs in this day for $65k? What sort of Stockholm syndrome is going on? The single best thing you could do for yourself right now is to get paid market rate for your skills. In the last thread it was a bit unclear what that rate was, but you can determine this. No offense to your wife, but what really good job pays $33k year? Don't set yourself up for a situation where you aren't willing to relocate for a low paying job. Start making $100k/year and your long term financial prospects improve significantly - IF you can change your habits. If you find the right therapist they could help you with this. They can also help with the impulsive spending and all the other issues you're dealing with (we all have issues).
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Jun 19, 2019 06:28
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I caught that, but didn’t it off topic  I have 7 months react experience right now, and we’re deploying a full sales app PWA. SQL, SSRS, backend, front end (css html JavaScript etc), I do all of that since I’m sole the sole dev (I focus on maintainable code and best practices as much as possible). If that’s valuable to the point of a significant pay increase, then yeah I’ll start looking next month or so. I’ve seen dev jobs paying $100k here but just never bother applying after getting burnt the gently caress out a few years ago from interviewing 5x a day. But that was Axapta stuff to be fair. I have 6 or 7 years of C# experience. My wife’s benefits are great. College reimbursement, excellent health insurance, constant raises, remote options. It’s in the medical industry with a lot of opportunity.to move up and around to different fields. I guess I should say that to move it would have to be really loving worth it. I don’t want to move to SV and be stuck in a worse position because of CoL and state tax and 4 hours of commuting. Knyteguy fucked around with this message at 06:36 on Jun 19, 2019 |
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Jun 19, 2019 06:30
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Why are they paying you only $65k? Is this some small operation on the brink of bankruptcy? Do you ask for raises?
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Jun 19, 2019 06:34
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n8r posted:Why are they paying you only $65k? Is this some small operation on the brink of bankruptcy? Do you ask for raises? There was a hiring freeze for a bit but that’s before they took me on. They’re just cheap I guess and in a rural area where I’m making more than double the median income. 60 some odd employees most are salespeople. I don’t know man the recession hosed me up. I’m anxious about job security because I couldn’t find a job for 2 years. I’m nervous to walk away from something that has been feeding my family for 6 years. I do ask for raises, and I’ve gotten 3. They’re just not amazing raises.
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Jun 19, 2019 06:39
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You're anxious about job security because you're worse than broke and have lived like that for years. You mention being burned out from interviews a few years ago. I remember that vaguely - how long were you actively job hunting? It didn't seem that long. You've now got experience in a more in demand language you need to do it again.
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Jun 19, 2019 06:50
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Bobbie Wickham posted:I vote we cut to the chase and send this thread to E/N, but I'm a power-hungry tyrant who thirsts for fresh blood, and I also have your best interests at heart.
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Jun 19, 2019 07:55
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Knyteguy posted:I don’t know man the recession hosed me up. I’m anxious about job security because I couldn’t find a job for 2 years. I’m nervous to walk away from something that has been feeding my family for 6 years. If you were risk-averse you'd consider not taking on a risky high-interest loan. It comes across that you're actually just comfortable in this job and afraid of being pushed out of a comfort zone. I'd stipulate that it's why you so often try to spend your way out of debt - you're really spending because it comforts you that you're making an action that, in your mind, will solve the problem without actually doing the hard work.
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Jun 19, 2019 10:36
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Janus Owl posted:Hi all, I'm genuinely curious here.... You guys were told years ago that the decisions were bad BEFORE you made them (such as the RV), but you made those choices anyway. It's easy to look back now and say "yeah, we shouldn't have gotten 70k in the hole for a vacation" but how do you plan to change that in the future? You guys are only a few weeks (?) out from your nomadic phase, what happens when being in one place gets boring again?
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Jun 19, 2019 13:17
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moana posted:Stop stealing all our good threads just cause you can't find enough stupid people in your own forum to make fun of NEVER!!!
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Jun 19, 2019 13:30
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