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KYOON GRIFFEY JR posted:i dunno how i missed this but the homie has 45k in truck debt after paying $750/mo on it for how many years? dude, how much truck did you buy and why on earth did you do it? Seriously, KG, how did this happen?
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Jun 18, 2019 17:08
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Veskit posted:Burn this piece of poo poo thread to the ground faster than zaurgs please For real. KG wants people to help him/hold him accountable, but when real questions are asked (what was the thought process that led to purchasing the RV at such a bad rate? Why is the loan on the truck so high and what was the actual price?) he just posts a bunch of vacation pictures.
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Jun 18, 2019 19:06
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Knyteguy posted:Oh come on April isn't this what's called Concern Trolling? If people wanted to help they'd at least read the thread. There have been questions that would be answered just by reading the relatively short OP. But... you haven't answered those questions that have been asked repeatedly? The ONLY thing you said about the absolutely ridiculous RV interest rate was "Our credit wasn't that great at the time." You never clarified why you decided to go ahead with that, if you shopped around for a better rate, why you didn't just wait for a while to buy, anything. You haven't said why you needed to finance... how much? 50k-ish? for a truck. You want the thread to help you clean up your many large mistakes, but when you have a habit of "wanted it, bought it, oh well" there's nothing that can be done. When you started the last thread, six years ago, you wanted to save up for a house, but instead, bought a Playstation and a guitar while you still had payday loans. I'm personally not seeing any change other than the size of your bad decisions. But sure, just call me a troll and ignore my point. That'll take you far.
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Jun 18, 2019 19:22
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Knyteguy posted:Well yeah I've got to get out of debt. For real this time. Pondering isn't going to make anything happen; do you know how long I tried to do that? The entire last thread. You guys said 'therapy therapy', I did so (twice, for many months!), my therapist said you're loving fine man, chill out. Oh when bad stuff happens you go on a years-long spending bender but that has nothing to do with planning for the future and 50k because "i like cars" is totes reasonable what were we all thinking. ETA: and you have only clawed yourself into an even worse financial situation, you probably shouldn't be bragging about that.
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Jun 18, 2019 19:54
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Knyteguy posted:Sure, and that's something I learned on our 'vacation', and frankly in therapy. Also that stuff I wrote was past-tense. As mentioned things are... better than I ever remember them being. "It's in the past, going to be different this time" was a major theme in your last thread. I'm currently over a year in, and you never followed a single budget, were called out repeatedly for knee-jerk decision making, and refused to acknowledge that your impulsive overspending was in fact a problem, because it was always a one-time thing and it was in the past anyway. This is one of my posts from 2015: quote:What I'm harping on is your pattern of behavior, a cycle that seems to go: It doesn't look like anything has changed for you, except that you've decided that the things that made you spend like a moron probably won't happen anymore.
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Jun 18, 2019 20:19
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Knyteguy posted:
Did you do any research on this, crunch and compare any numbers, or just decide that since that one guy on the internet said it might not be worth it that it probably isn't?
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Jun 18, 2019 20:38
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Knyteguy posted:My sacrifice is living in this drat RV. It's 93 degrees out and I'm sweating my balls off right now so we don't have to pay $1,500 a month plus a deposit. This was also a running theme last time - you would go on about all the sacrifices you were already making, to justify the new expensive thing you wanted, when 99% of the time, the "sacrifices" were just the expected results of prior bad decisions (ie - a tiny apartment with two people and five pets and no clothes dryer smelling bad). You CHOSE the RV. You CHOSE the massive loan for a generic pickup truck. And now, you have an RV and a ridiculous truck loan. It's not a sacrifice, it's exactly what you wanted, until you didn't. Deciding you no longer like what you previously HAD to have isn't a noble act of sacrifice.
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Jun 18, 2019 20:58
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sheri posted:You don't need a credit score update to call and ask a couple banks "what are your fees associated with a loan to refinance an RV" This, plus your score doesn't always shoot up immediately. When I check my scores, the info is always a couple of months old.
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Jun 18, 2019 21:04
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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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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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My Rhythmic Crotch posted:You guys are forgetting that they made nearly 100k combined years ago, and their situation did not get any better because they didn't fix the underlying issues. The problem as I see it is that their financial decisions are based 100% on KG's volatile emotional state. When he's upset or bored or angry or frustrated, he wants a treat to make himself feel better and he wants it NOW. He then comes up with a bunch of (grossly manipulative) reasons why it makes sense, will improve the family's quality of life, will save money in the long run etc. etc. etc. and for whatever reason his wife goes along with it. The only difference between now & then is that his I NEED THIS NOOOOOOOOOOOW stuff is vastly more expensive and impractical. But it's ok guys, he'll totally fix it now, just as long as nothing ever makes him upset, bored, angry, frustrated, and so on. Totally doable.
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Jun 19, 2019 15:24
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Here's a post from July 18, TWENTY GODDAMN FOURTEEN. Five years ago, almost exactly. https://forums.somethingawful.com/showthread.php?threadid=3586966&userid=81272&perpage=40&pagenumber=4#post432370394 quote:Bugamol posted: KG's Reply: quote:Hey cool I'm glad you reposted. I was just replying to your post asking if we bought the car before my wife was pregnant. The answer is no by about 2 weeks or so. quote:Just keep in mind that in November when you made this thread you were certain you were "in the black $2,000 a month!" and it's 9 months later and your financial situation hasn't really changed. At the end of the day it's your life and plenty of people get by just fine living paycheck to paycheck. It's really up to you to decide what really matters. quote:I mean technically we are in the black right? It's all a matter of how much money we spend on frivolous crap. I'd like to note that before I got my good job about 1.5 years ago we were living on $19,000 take home a year. Everything we spend money on at this point that isn't rent, food, or gas is all frivolous crap to me. Negative equity on a vehicle "just this once"? Check. "We used to be super broke, so we're fine now!"? Check. "Some external factor will certainly make me straighten up!"? Check. "Gosh, looking back, I could've done much better."? Check.
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Jun 19, 2019 17:08
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KYOON GRIFFEY JR posted:this post is righteous And I forgot to point out that his "frugal" trip around the US has him 70k+ in debt now.
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Jun 19, 2019 18:51
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Gazpacho posted:A charity! Multimillionaires start charities, not least so that they can unload appreciated investments that they'd rather donate than pay taxes on. Starting charities is not a middle class gig. Even contributing is ill advised for anyone who hasn't secured their income in old age. Gotta focus on the You Foundation first. Plus, aren't charities, like, a long-term commitment? KG has the attention span of a ferret on meth. ETA: Found another gem from the old thread: https://forums.somethingawful.com/showthread.php?threadid=3586966&userid=81272&perpage=40&pagenumber=4#post432511839 quote:Anyway I can't comment more until I read the thread in its entirety again. Only 3 pages so that won't take long. From the first page I must admit that Mr Money Mustache really changed how people think about early retirement. The consensus was that we'd need around $12,000/mo to retire by 45. With our current income (about half that) I'm confident we could retire by 37-if we had no debt-with the right expense:savings ratio of course. April fucked around with this message at 22:48 on Jun 19, 2019 |
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Jun 19, 2019 22:08
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My Rhythmic Crotch posted:There are some real doozies in there, I can remember reading that exact post KG Paraphrased posted:MMM SAID KIDS CAN BE CHEAP AND I CAN RETIRE IN FIVE YEARS AND HE KNOWS EVERYTHING!!! KG months later posted:....what do you mean I have to be frugal & disciplined??? KG 30 seconds after that posted:OOOO LOOK SOMETHING SHINY!!!
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Jun 20, 2019 00:00
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The old thread really is the gift that keeps on giving....quote:Bugamol: 10k at 23% is terrifying nightmare fuel, but 20k at 18% is cool and good.
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Jun 20, 2019 00:31
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Bobbie Wickham posted:OP's never coming back. He will, once he's bought a McMansion and financed two more cars and adopted 6 more dogs with health issues and then he'll want help for real this time.
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Jun 21, 2019 18:55
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zaurg posted:Eat poo poo zaurg posted:This is actually a good idea. Thanks. zaurg will remain confined to 3 threads in all of SA (BFC thread, Running thread, and TFLC thread). If I venture out anywhere else, ban me. Can we please flush this turd already?
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Jun 24, 2019 20:24
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Saros posted:It really astounds me that a 'frugal' year off road-camping somehow required over THREE HUNDRED AMERICAN DOLLARS a month in redundant cell phone plans. Like - seriously? What the hell. He was upset about stuff, it was the only way. And right now, he and his wife are rightfully grieving and will be dealing with a lot of difficult emotions which, if history is any indication, means he's about to go on a massive spending spree. He'll have plenty of justifications for it, but at the end of the day, it's how he deals with stress. Losing a parent is rough, and I genuinely feel for what JO is going through, but this is not going to end well.
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Jul 3, 2019 15:03
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) and the even more ludicrous interest on the RV mean there's no justifiable reason to keep them. I know you are a car guy or whatever Knyte but seriously? Do you work on a farm? Do you need an incredibly oversized
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n8r posted:Have they cashed the deposit check yet? There is still time to bail. Read the contract. Yeah, this is just like the old thread, when it was suggested that his house was too expensive, so he knee-jerked and moved into a tiny lovely apartment with a pregnant wife & 5 pets, then when he realized he was miserable in a tiny apartment with a pregnant wife & 5 pets, he broke the lease which he hadn't read and ended up paying a poo poo-ton in fees. Then he moved into a house & promptly spent a bunch in lawn care equipment to get a break on rent (in like December or something), lived there for a few months, and hosed himself with the RV on a whim. In other words, he's probably already bought a bunch of poo poo to save money on his apartment.
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Jul 3, 2019 16:02
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Knyteguy posted:I lived in that house for 3 years April, not a few months lol. We cut rent by $400/mo for 36 months for the price of maybe $500 in lawn equipment. That was a good way to spend my time and a bit of money to cut costs; I can say that with certainty. "I make a lot of knee jerk decisions but THIS ONE TIME it didn't bite me in the rear end." And let's not forget that any advantage to that house was immediately undone by the idiotic RV/truck combo. You started making progress, then decided that you needed to borrow 70k at ridiculous interest rates to run away from home. Once again, you kind-of sort-of decide that something new sounds good, so you immediately jump into it and retroactively come up with a bunch of reasons that you *HAD* to. PS - I'm pretty sure you said in the last thread that the landlord cut the rent by $200 for cutting grass, not $400.
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Jul 3, 2019 17:53
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Knyteguy posted:It's just a reality. Guy with $6,000 leftover isn't in poverty. This is not a justification of my debt it's a response to blaming me for being in some true financial straits in the worst economic period since the 1930s. Those loving Okies sure had themselves to blame You're right, the piss poor economy held a gun to your head & forced you to take out a 50k loan on a 35k truck, and to finance an RV at credit card rates. You poor thing.
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Jul 3, 2019 23:45
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! It took awhile to dig ourselves out of that. We're still feeling the effects.
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Knyteguy posted:Why do you think that 9 years ago is today or 2 years ago? I'm not talking about the RV and truck I'm talking about including "10 years of history". Roast me all you want from poo poo when I had a choice in being dumb and poor, leave the stuff when I didn't have a choice out of it. That was a pretty miserable time. Look at the year that original post was made in and then check out this: You're the one who keeps bringing up every financial difficulty you've ever had, as if it makes any difference at all now. Everyone goes through tough times. Most people learn from the bad times and do better. You have chosen to say "welp I'm making more money now so I'm going to be a bigger idiot than ever!!" and when you get called on it, you default to "I USED TO MAKE 19K A YEAR RAMEN NOODLES EMERGENCY SURGERY BAD ECONOMY BLARGGHHHHH!!!" And you've already made the choice to be dumb and poor right when you've been at your highest income. Unemployment charts have absolutely zero to do with your idiotic decision making.
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Jul 4, 2019 00:14
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Knyteguy posted:I'm (genuinely) not trying to one up, but... I just doubt that. My whole life fell apart hard from that and other poo poo unrelated to finances at the same time (every single friend moved away, etc). Pre-recession I had no debt, a paid off car, I'd stash away $100 a week in savings (20% of my take home income), used a credit card and paid it off responsibly every month, was earning a pension at $3/hr, had excellent health insurance, had a steady job, had investments (I didn't know what I was doing, but hey), was in amazing shape, was 2 years sober from booze and cigarettes, and had a plan to enroll in college to become a doctor after my trip to Thailand. It's been 10 years since the recession, and you've only gone backwards that whole time. So please quit trying to convince yourself & everyone else that your situation is the way it is because the economy was bad 10 years ago. You are in the situation you're in because you have a habit of manipulating wants into needs, you would rather make excuses than changes, and your wife enables all of it.
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Jul 4, 2019 01:08
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I'm guessing either bitcoin, because KG seems extremely susceptible to FOMO, or a vacation because poo poo got too tense at home.
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Oct 8, 2019 12:32
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Breetai posted:I guess he went to the corner store for some cigarettes (that he didn't budget for, natch). Should we start a list of possible reasons KG fell off the map? 1) He had a fight with his mom, said "gently caress the budget" and headed out on another cross-country trip. 2) JO finally got fed up with his childish impulsive decision-making & took off, and he's been drowning his sorrows in new trucks & blow. 3) He sold the camper for magic beans and is busily tending his golden beanstalk. 4) Bitcoin (basically the same thing as 3, I guess.)
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Jan 24, 2020 14:38
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Inept posted:People in this forum like to be overly combative, but come on. You've already been reaping benefits and spending money, that's what the RV and truck adventure was, right? Don't act like you've been living like a pauper. If you want to buy a house, then save up the money and make sure that you can actually stick to a budget for a year or more without buying large ticket things. You can always rent a house in the meantime. Not to mention, KG is 10000000% convinced that he can fix his money problems, or be happy, but never both at the same time. For as long as he's been posting money threads, he's been whipping between extremes of "I'll do all this responsible savings stuff! Look how grownup I am!" then a few months later it's "I've been making myself miserable all this time, I deserve [expensive item or lifestyle change]". He did the same thing when he moved into a cheap apartment, then broke his lease to rent a house, then wanted to be closer to his mom, then away from his mom so he bought the RV, then back with his mom, then away from his mom requiring the apartment, and now he wants a house. There were also a few trucks & other big boy toys in there, right? He makes bad choices with his money that stress him out then goes on a major money crash diet and stresses himself out more then blows a bunch of money to alleviate his stress. Rinse & repeat. Buy a house if you want to buy a house, your mind is made up, you "deserve" it, whatever. But think long and hard about the circumstances that lead you to repeatedly uprooting your life for the next Thing That Will Make It All Better, because so far, none of those things have actually made it all better, or you wouldn't still be chasing the high.
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Jun 13, 2020 14:44
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Knyteguy posted:Well that kind of has to do with the medication I've been on that I previously mentioned. It's definitely helped stress spending. In fact since I've started it I've also been sober, which is over 6 months now. In the past few months I've even made friends which I haven't really had since all my high school buddies moved away in my early 20s. They're not drinking buddies either which are always easy to find but not people who stick around when you're sober. Oh and I'm also down 70 lbs. Signing up for 30 years of debt when you STILL haven't figured out budgeting & living within your means is the opposite of stability.
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Jun 13, 2020 19:55
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Knyteguy posted:Well that kind of has to do with the medication I've been on that I previously mentioned. It's definitely helped stress spending. In fact since I've started it I've also been sober, which is over 6 months now. In the past few months I've even made friends which I haven't really had since all my high school buddies moved away in my early 20s. They're not drinking buddies either which are always easy to find but not people who stick around when you're sober. Oh and I'm also down 70 lbs. Also, on re-reading this, look at the paragraph I bolded. HAVING A HOUSE IS NOT ON THAT LIST AT ALL. You want intangible things, but keep convincing yourself that buying a tangible thing will create or accelerate your attainment of those intangibles. Stop it.
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Jun 14, 2020 13:39
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Knyteguy posted:Alright so we got actual numbers: So in other words, there's something in your life that's making you unhappy, but if you spend more money, you'll feel better. Never change, KG.
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Jul 2, 2020 23:28
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Knyteguy posted:I'm pretty sure you're the one who told me that spending on housing is actually a good place to spend, weren't you? I'm pretty sure I've only ever pointed out how your impulsive behavior & tendency toward extremes has made your situation worse at pretty much every turn. My saying "uprooting your pregnant wife and 6 pets to live in a slum was stupid" is not the same thing as saying "spend as much as you want on housing, you deserve it!" (PS - I don't care enough to go back and verify if your wife was actually pregnant at the time, or how many pets you tried to cram in there, so save your nitpicking. It doesn't matter to the argument at hand, but I know you'll use stuff like that to try to discredit whatever else I'm saying.) Again, you're going with the kind of black & white thinking that leads to bad decisions - there's a lot of grey area in "how much space/how many extras do we need" and "how much should we be spending on housing". You're *very selectively* picking through our advice to come out with "Housing is the one area I should get a blank check." And one more time because you still don't get it - if you're only mildly irritated, why the rush to move & spend more? It's because you have convinced yourself, yet again, that spending money on NEW SHINY THING will make you happy when you aren't. April fucked around with this message at 15:07 on Jul 3, 2020 |
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Jul 3, 2020 14:20
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