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Boris Galerkin posted:The Lanisters are completely broke though. Yeah, Tywin should have went to BFC a long time ago.
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May 9, 2014 13:03
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Boris Galerkin posted:The Lanisters are completely broke though. I thought the kingdom was broke, and had to keep borrowing from the Lanisters? At least that's how it was in the books  I'm not going to freak about the lack of budget because I think a few months of tracking expenses first will give you a good baseline of what you spend to start a budget from that point. But OP it would be helpful going forward forcing you guys to plan for irregular expenses and both agree on your spending plan, so honestly a budget is a good thing to have.
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May 9, 2014 13:34
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Whoa, guys, spoiler alert. drat book readers!  (it's really not much of a spoiler)quote:I've had a couple of phone interviews and a job I really, really want scheduled an in-person interview for 21st. Hooray! Please send me positive thoughts. This job pays more than my current one, so I'm really hoping I get this. If you'll make a budget, I'll make a budget. 
Uranium 235 fucked around with this message at 22:19 on May 10, 2014 |
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May 10, 2014 22:13
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Uranium 235 posted:Whoa, guys, spoiler alert. drat book readers! It's a 10 (12?) year old book. Did you know that snape kills dumbledor? Or whatever their names are... I don't know anything about Harry Potter. The fact that they are using one account is such a huge benefit, he may not even need to do a budget now that he can watch the entire paycheck in one account.
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May 10, 2014 22:24
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It was on last week's show too. You've had a whole week.
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May 11, 2014 03:31
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Uranium 235 posted:Whoa, guys, spoiler alert. drat book readers! Well sorry, it shouldn't have been much of a spoiler. It was early in the first book before robert got killed because he kept throwing these lavish parties with money borrowed from the lannister's I've been wanting to watch the shows, I've really gotten burnt out on the books. George RRRRRRRRRRRRRRRR Martin annoys me and the shows are probably better to follow.
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May 11, 2014 15:01
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I think doing a 401k loan to wipe out massive debt while the markets are at all time highs at the 5 year mark in a bull market with QE ending in Nov '14 and credit markets strained at an all time high isn't such a bad idea TBH. Kind of like taking a loan out in late 2007 and paying it back through 2008 / 2009 and catching another wave of goodness. edit: J/K ayekappy fucked around with this message at 23:22 on Jun 8, 2014 |
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May 11, 2014 18:06
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I went on an interview today which lasted about 3 hours. I was interviewed by 6 people - 4 in-person and 2 via phone. 3 of them went great and the other 3 were good to average. 2 of the 3 that went great were with the hiring manager and director, so that's real good. I hope I get this new position. I am tired as all hell. OF EVERYTHING
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May 23, 2014 06:06
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How are all the numbers looking?
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May 23, 2014 17:01
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Hopefully that new job will get this debt out the door. How you guys doing on that anyways?
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Jun 21, 2014 00:42
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The hand of the king is still breathing. Married life owns so far – 5 months in! It’s been about 3.5 weeks since I’ve started my new job in a stable company and I got my first full paycheck. I’m now making $80k/year and $2,293 per paycheck. This should be around $2,100 as my 401k contributions haven’t gone into effect yet (occurs 30 days after start date). My wife and I now earn $7,400 a month together and our expenses have changed a little: Income $145,000/year (me: $80k / her: $65k) $7,400/month ($4,200/$3,200) Savings Cash: $4,000 401k: $30,000 (mine only) Roth IRA: $8,000 Debt (total: $71,300) AmEx: $9,400 ($25,000 limit / 16% APR) Citi: $5,900 ($12,150 limit / 8% APR) Chase: $8,500 ($9,000 limit / 15% APR) (0% BT) Car payment: $22,500 Student loans: $20,000 - 25,000 (I don't know, it's all wife's loans) Current Expenses (total: $5,880 monthly) Rent: $1,700 (includes water and sewage) Cable and Internet: $75 Cell: $180 Gas: $50-75 depending on laundry Electricity: $25 Car gas: $250 Car payment: $325 Car insurance: $170 (it’s actually 1 payment of $500 every 3 months) Toll road: $60 (we stopped using it so much) Entertainment: $300 (fun + eating out) Food: $500 (groceries only) Student loans: $325 Personal hygiene: $150 Gym: $45 Cats: $100 AmEx: $1,300 Citi: $210 minimum payment Chase: $90 minimum payment Based on our total monthly income minus the total monthly expenses, my wife and I should have $1,500 left over at the end of the month. This seems like a lot of money left over, am I missing something? If not, then I would like to pay $2,600 a month on the CCs starting with the AmEx, which means we could be CC debt free in like 9 months??? Why does this sound too good to be true…
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Aug 7, 2014 18:35
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Those spending numbers are made up. Reconcile them to your spending last month and this month then report back.
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Aug 7, 2014 18:43
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Slow Motion posted:Those spending numbers are made up. Reconcile them to your spending last month and this month then report back. How are they made up? These are from what we've spent historically from mint. I may be misunderstanding.
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Aug 7, 2014 18:51
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I think SlowMo is just trolling. His numbers are usually made up, he just wanted to say it to someone else.
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Aug 7, 2014 19:01
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Hand of the King posted:This seems like a lot of money left over, am I missing something? If you're saying this it leads people to believe they're not actual numbers. What was your total dollars spent per month (not broken down) directly from mint or whatever you use to track? Also how much spending did you do on credit cards? Are you including that in these numbers? If you've been spending $1000+/mo on credit cards and are only looking at your bank account transactions you might be hiding spend from yourself. The fact that you have a lot of CC debt leads me to believe you're spending has to be way higher than what you've shown, but maybe that is just debt from a previous lifestyle.
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Aug 7, 2014 19:10
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Hand of the King posted:My wife and I now earn $7,400 a month together and our expenses have changed a little: Are these figures pre-tax or post-tax?
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Aug 7, 2014 19:12
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Bugamol posted:If you're saying this it leads people to believe they're not actual numbers. What was your total dollars spent per month (not broken down) directly from mint or whatever you use to track? Also how much spending did you do on credit cards? Are you including that in these numbers? If you've been spending $1000+/mo on credit cards and are only looking at your bank account transactions you might be hiding spend from yourself. My wife and I have not used our CC for anything since making this thread. We've been making minimum payments our CVs except the American Express, in which we've been making $1,300 payments. Everything is on our debit cards for now until they're all at zero.
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Aug 7, 2014 19:22
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EugeneJ posted:Are these figures pre-tax or post-tax? The $145k is pre-tax and $7,400 is post-tax.
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Aug 7, 2014 19:23
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Hand of the King posted:How are they made up? These are from what we've spent historically from mint. I may be misunderstanding. I think you just winged it. Post your last 6 months of spending for each category and the resulting average.
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Aug 7, 2014 20:07
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In the OP your insurance was $75, why is it $170 now?
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Aug 7, 2014 20:49
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You might want to check your taxes out. I don't remember all your details but you are bringing quite a bit home after tax (vs what you make) and may get stuck with a big bill in the spring. Or you could be close but next year on a full year at those salaries get screwed. The IRS has a calculator you can use to estimate it.
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Aug 7, 2014 21:07
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spwrozek posted:You might want to check your taxes out. I don't remember all your details but you are bringing quite a bit home after tax (vs what you make) and may get stuck with a big bill in the spring. Or you could be close but next year on a full year at those salaries get screwed. So yeah, OP, check out the IRS calculator.
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Aug 7, 2014 21:15
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You guys are scaring me and this IRS withholding calculator is confusing as hell. Next year will be the first time filling taxes together as a married couple. Should we head off to HR Block and ensure we're wordings are fine so we don't owe?
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Aug 7, 2014 22:53
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Hand of the King posted:You guys are scaring me and this IRS withholding calculator is confusing as hell. Just tell us how much money total from all your jobs you are going to make and how much has been withheld and how much you expect to be withheld for the rest of the year. We can just quick calc it assuming standard deductions. Also I will tell you making that much money next year if you have your federal withholding at married and 0 for both of you, you will owe money. It doesn't look like you have anything that will push you over the standard deduction. So just something to consider. And yeah that calculator is confusing for sure.
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Aug 7, 2014 23:17
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Hand of the King posted:How are they made up? These are from what we've spent historically from mint. I may be misunderstanding. If you could post the last several months of Mint data, that would be awesome. edit: clarity My Rhythmic Crotch fucked around with this message at 23:38 on Aug 8, 2014 |
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Aug 7, 2014 23:32
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My Rhythmic Crotch posted:Ignore Slomo. Unfortunately his horrible posting cannot be confined to just his thread. Ignore Slomo then do the exact thing he asked you to do.
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Aug 8, 2014 05:49
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hitachi posted:Ignore Slomo then do the exact thing he asked you to do. And what about average monthly maintenance expenses for your car(s)? Oil changes, tires, fuel filters, brake pads and the like don't come for free.
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Aug 8, 2014 11:25
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