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I never thought I’d see the type of person who chooses to swap their grey nomad period of life with their dynamic late 20s-30s but here we are. KG you gone done hosed up in a big way and it’s time to pay the piper. Strongly restrict your spending, shovel money into the loans from highest to lowest, and think up some way to extract yourself out of your illegal living situation. The last part matters because it’s a risk which would normally not be too bad but for you would be ruinous because you literally can’t afford the alternatives. Living in your parents’ spare room as a 30 year old with a wife, kid, two cats and two dogs is not the answer holy gently caress.
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Jun 18, 2019 04:08
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Knyteguy posted:It's a really difficult choice to continue staying in the RV, don't get me wrong. But we have a strong safety net; we'll be ok. Here's a list of how long those savings would support individual subcategories of your ideal budget:
You do not have a strong safety net. You are well over your head in deep poo poo and by a combination of miracles just happen to have a straw through which to still breathe. You have a frayed safety thread, not a safety net.
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Jun 18, 2019 12:02
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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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Dwight Eisenhower posted:California's income tax rate for a 100k job is 9.3%. If we ignored marginal tax rates, you get to keep 90.7k of your 100k job after California takes its cut. To be fair, living expenses in California are famously high, and although I'm not from the States I can expect Reno to be a bit cheaper. But like you say, it's all an unwillingness to face challenges.
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Jun 19, 2019 15:30
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Look, the apartment may not the 100% optimal financial option in the circumstances, but you’re not in your position because you don’t have enough money and need to penny pinch on every single factor. You’re in your position because like the kindergarten kids that Arnie taught, you lack discipline. Getting the apartment may cost a bit more, but maybe that’s not bad if it forces you to exhibit more financial discipline and teaches those healthy habits. The alternative of remaining in the RV somewhat masks you having to learn that. That’s my take. There’s arguments for each option and I could side with either pretty comfortably. But I think you need to consider the underlying attitudes you’re trying to (un)learn as much as the actual financial situation.
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Jul 4, 2019 06:51
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Knyteguy posted:750/mo now, must have perfect rental history (we don't). poo poo's out of control. Legit I would if I could n8r. It was our very first option. How the gently caress do you damage a literal block of dirt with a power point and some hose plugs?
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Jul 5, 2019 04:58
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SiGmA_X posted:FTFY. I had to pay $80 on a rental because I sat at the kitchen table with my PC (goon nerd alert) for 6 months and the table rubbed against the wall and rubbed away the paint. That was the cost of getting that area repainted. I get causing damage to a property that compromises the bond. But wtf for an RV hookup
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Jul 5, 2019 10:45
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SiGmA_X posted:I learned this too, via my couch frame with a wood floor. Pro tip - don’t let furniture touch the wall ever. But that $80 damage won’t go on your rental history or anything like that. Yeh it wasn’t bad. I paid the $80 out of pocket and then got my whole bond back (the system here is a little different). It was all for naught, given I never rented before or since and don’t expect a record to stick around for 10+ years, but I didn’t know that would be the case at the time. In any case, I’m still baffled as to how you get a rental record on RV hookups. poo poo on the hookup? Dig a moat in the dirt around your caravan?
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Jul 6, 2019 02:21
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Sorry KG, with Zaurg gone now you're going to have to cock something up spectacularly to keep us all entertained. It's your solemn responsibility. Go buy an investment horseboat.
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Jul 24, 2019 10:10
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It’s almost like we can learn from Zaurg’s brain-dead stupidity here, wherein a budget and reconciliation of expenses are discrete tools with differing purposes. Make a budget with items consolidated into a single category but then have your reconciliation of expenses show them as discrete items within said category. That way, spending more on vape draws down your budget for other discretionary and encourages you to prioritise where you blow your fun money, but at the end of the day you’re still faced with seeing how much of your money was spent specifically proving you’re the sort of nerd that wears a fedora.
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Aug 29, 2019 15:55
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Bump, still waiting KG
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Oct 8, 2019 11:29
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zaurg posted:Agreed. How can that gently caress just abandon us? Nearing 5 months with no posts? I hope for our sake he is dead. gently caress off, cockholster. You’re banned from all other threads. They’re for people who aren’t irredeemably poo poo.
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Feb 6, 2020 01:30
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What has actually changed since you last posted? Not general hand-wavey stuff, specifics please.
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Mar 12, 2020 00:25
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Knyteguy posted:RV Debt Update quote:The 2.5% 100% match 401k (wife's income) is the retirement savings right now quote:We haven't been following a budget I look forward to reviewing the budget, let's make use of the stay at home time to really get your ducks in a row so that when you're both back to commuting, working, etc. you don't have to struggle to find the time to do the effort stuff then. zaurg posted:Get your head out of your rear end, Knyteguy.
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May 29, 2020 03:08
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Knyteguy posted:I'm sorry you have no DIY skills when I do?
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Jun 16, 2020 09:06
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Knyteguy posted:There's been too many life changes recently, including COVID, my wife started working from home (likely for good), my son is about to start Kindergarten, etc to trust my historical data too much. Most of the budgeted numbers are averaged to the past few months, but even then we shouldn't need the home office supplies we already have now for a long awhile, etc. These are all excuses. You can still get an 80% picture and make reasonable assumptions for the rest. Knyteguy posted:Okie doke, here's the (final draft) budget moving forward: I know you've fixed it, but this attitude is so wrong it's staggering. Your slush fund - your discretionary spending - is precisely where a budget can alter your behaviour. Your fixed utility costs, etc. are far harder to change because they're - duhh - fixed. Without budgeting your discretionary money, you're not really budgeting (i.e. you're doing a Zaurg, as sheri pointed out). Just to reiterate to the void: Discretionary budgets can change and be fluid, but if you spend over one another must immediately change to account for it. For example, you can budget $50 for eating out in a month, then at day 12 make the decision to take $30 from that and put it into buying a new boardgame or whatever. That's fine, but it has to balance overall so that $30 immediately comes out and reduces the eating out to $20. By not tracking it below 'slush' level of granularity, you don't force yourself to make the conscious decision of whether you really want to commit the money to the purchase, because all you see is a big bucket of money that isn't spent and so don't value each dollar in it as highly. In that case, you'd instead buy the boardgame, but still see a pool of leftover money and think 'oh well I can afford to spend $50 to eat out', and you just push the discretionary shortfall around until the end of the month when suddenly you're out of money but you promised to go to the bar with that old mate from school and welp now you've blown your budget.
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Jun 25, 2020 09:14
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zaurg posted:We can't go to bars any more, Nam Taf. Duh. What a knucklehead. Shut the gently caress up, you smoothbrained mouthbreather. I don't live in a shithole full of and run by people of your intellectual incapacity, so I can actually attend bars again already. The example therefore holds. Nam Taf fucked around with this message at 16:12 on Jun 26, 2020 |
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Jun 26, 2020 13:50
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