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Bloody Queef posted:Or if those were for beginning or end of the month. Ah good catch on the year. 2013 is mid month and 2014 is EOM. If I wanted it to be precise I'd have to make adjustments for tax and bonus accruals.
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Sep 3, 2014 18:30
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Good job man
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Sep 4, 2014 01:59
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SloMo has got his life more together than I do. What have I become.
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Sep 4, 2014 03:15
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Can someone post his numbers things in a nice, easy to read understand way? Thanks
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Sep 4, 2014 03:54
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SarutosZero posted:Is Slo Mo's left over income after expenses only $147 for the entire month of August? And this is probably his best month yet? Woooooooooooow My months are usually like this. I take pretty much every left over dollar and pay down debt. Slow Mo has an extra $300 earmarked for 401k, I would make that $440 if it was me though.
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Sep 4, 2014 04:10
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Butt Wizard posted:SloMo has got his life more together than I do. What have I become. Sounds like you need to post a thread.
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Sep 4, 2014 04:25
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Good job Slo Mo!
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Sep 4, 2014 05:29
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Butt Wizard posted:SloMo has got his life more together than I do. What have I become. Please post your own thread I need a new victim.
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Sep 4, 2014 11:43
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Slow Motion posted:300 of that isn't a real expense; it's boosting up my savings to make the 401k balloon payment in December. Which is a real expense. It is a real expense which you incurred in the past and still have not yet paid for. It costs you interest and it costs you the opportunity to have roughly 25% of your 401k earn more than 4%.
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Sep 4, 2014 13:37
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Dwight Eisenhower posted:Which is a real expense. It is a real expense which you incurred in the past and still have not yet paid for. It IS debt curtailment though so come on you have to give some credit here. He stayed in the black. Yes he can make improvements still but it's a small step in the right direction. Hopefully when that end of year check comes, he'll pay off the 401k loan and max out his IRA for both 2014 and 2015. As long as he's staying in the black while still not really depriving himself, there's hope.
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Sep 4, 2014 14:42
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Nail Rat posted:It IS debt curtailment though so come on you have to give some credit here. He stayed in the black. Yes he can make improvements still but it's a small step in the right direction. Oh yes, this is a huge improvement from spending to monthly income, and relying solely on bonuses for debt repayment. But considering debt repayment "not a real expense" is an enabling factor to spending with debt carelessly.
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Sep 4, 2014 15:17
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I'll be the cynic. Slomo has made some turned-the-corner posts before, only to go right back on them again. I'll be happy to be wrong.
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Sep 4, 2014 15:45
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dreesemonkey posted:I'll be the cynic. Slomo has made some turned-the-corner posts before, only to go right back on them again. I'm with ya. I'm still surprised people are so forgiving of the LASIK. They've been fooled by the number juggling. "Well, he paid off the credit card, so that's significant." Have we forgotten that the 401k loan was just a reshuffling of debt? He hasn't paid that credit card debt, he's just moved it. And all this time he was talking about how it was okay for him to bust his budget, because that bonus check was going to pay all debt. Except half of it went to a frivolous expense. I don't care how awesome LASIK is. We wouldn't applaud him spending $5000 on hookers and blow, and that's pretty awesome too. And what's this balloon payment? Why are we doing that instead of just paying it down immediately? There may be a legit reason for this, is why I'm asking. And why are we still not a month ahead on budget? Wouldn't that have been a better use of bonus money than eye surgery? The psychological effect of that is quite powerful, and should be an immediate goal.
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Sep 4, 2014 19:05
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Old Fart posted:I'm still surprised people are so forgiving of the LASIK. .
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Sep 4, 2014 19:17
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swenblack posted:As someone who got laser eye surgery, I completely approve of SloMo. Before I got it done, I was spending $40/month on contacts (I had a massive astigmatism), $15/month on solution, ans $200/year on glasses. Whether or not it saved him money, the total life improvement was almost certainly worth the outlay. It really is life changing to someone who has worn glasses for decades. "Contacts only cost me $50 a year, and I don't even have to bother with glasses, but they'd be cheap if I did!" - someone with decent vision who probably can find a shirt in their room without putting glasses on first.
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Sep 4, 2014 19:39
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Nail Rat posted:"Contacts only cost me $50 a year, and I don't even have to bother with glasses, but they'd be cheap if I did!" - someone with decent vision who probably can find a shirt in their room without putting glasses on first.
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Sep 4, 2014 20:08
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I've said it before, but LASIK was $3000 for me over a decade ago and it was worth every penny. Granted, I was still living at home and had more than $10k in the bank, but I can't fault anyone for not wanting to wear glasses. I would do it again today for 10x the cost. Wearing glasses and contacts sucks!
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Sep 4, 2014 20:46
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swenblack posted:$40/month on contacts (I had a massive astigmatism), $15/month on solution, ans $200/year on glasses. Whether or not it saved him money, the total life improvement was almost certainly worth the outlay. It really is life changing to someone who has worn glasses for decades. If your prescription was changing so much that you needed new glasses annually on top of monthly contacts, did the surgery fix that all up? And is this really the case for SloMo? Besides, aren't glasses still hipster cool in the PNW? I'm sure LASIK is the tits. I just don't understand why we're celebrating 50% of the bonus that was totally earmarked for debt being spent on a luxury item that had zero mention of it in the entire thread up to that point. The only reason the credit card figure was lower was because it was transferred to 401k debt. Let's also not forget that this happened immediately before "Spartan" August. He got a HUGE spending fix, but we're celebrating that he only had to spend $150 on gas to get to the beach? It's like we're praising the heroin addict for taking a long nap after a massive bender. Old Fart fucked around with this message at 20:54 on Sep 4, 2014 |
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Sep 4, 2014 20:51
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Old Fart posted:
I think that he cannot pay off the 401K loan unless it is a lump sum for the amount owed. That is how most plans work. (I only know this because I work in finance, I have not taken a 401K loan)
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Sep 4, 2014 21:10
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something clever posted:I think that he cannot pay off the 401K loan unless it is a lump sum for the amount owed. That is how most plans work. Is there a reasoning behind this that you're privy to? Seems weird to me. No other loans work that way.
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Sep 4, 2014 21:24
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So why not use the bonus to pay it off, then save $300/mo for LASIK? Seems convenient that he got a 401k loan to pay off credit cards. Pretty sure the latter lets you pay what you want when you want. Just seems like an easy way to say "well, I only have $4k instead of the $6k I need, guess it's time to spend!" We've been through this pattern before. I'll believe he's changed after at least six months. This is all part of his cycle. Again I remind you that he just shot a huge load of spending when he's in a lot of debt. Nothing has changed, other than that spending being a few days before the arbitrary cutoff of the previous month.
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Sep 4, 2014 21:58
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This thread has convinced me LASIK is a good idea. Besides, I was in Seattle last week (moving there in a month) and when it rains and gets all over your glasses it is enormously irritating. I can weather the rain fine with a light hoodie, but getting water spots all over my field of vision blows.
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Sep 5, 2014 02:28
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Gonna shift some spending around to re-up my opera tickets. Anything Under budget goes towards the 401k balloon.
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Sep 8, 2014 22:18
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So I guess football isn't the only show you need. Tho' really I have no problem with opera tickets. I just like poking at you since you have me on ignore.
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Sep 8, 2014 23:40
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Slow Motion posted:Gonna shift some spending around to re-up my opera tickets. What's your target date for the 401k payoff? You won't make it if you don't stick to your savings plan.
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Sep 9, 2014 00:15
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PhantomOfTheCopier posted:It's supposed to be in the high 70s and 80s. What in the royal gently caress are you doing turning on the heat? December. Just like the credit cards most of the payoff will be bonus. The savings target of $300/m is to give me a cushion on billable hours and help me get used to the lifestyle.
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Sep 9, 2014 00:26
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PhantomOfTheCopier posted:It's supposed to be in the high 70s and 80s. What in the royal gently caress are you doing turning on the heat? I've turned on the heat only two days in the little over a year I've been here. 
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Sep 9, 2014 02:20
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He likes it to be nice and sweaty when he is getting with the ladies. If he is working harder it makes his swole look good.
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Sep 9, 2014 02:37
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spwrozek posted:He likes it to be nice and sweaty when he is getting with the ladies. If he is working harder it makes his swole look good. "No, you want it cold so they have to cuddle up to you for warmth. Plus frugality is very attractive in a man."
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Sep 9, 2014 12:31
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Chin Strap posted:"No, you want it cold so they have to cuddle up to you for warmth. Plus frugality is very attractive in a man."
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Sep 9, 2014 13:55
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How come no mention of the nearly $800 in opera tickets yet?
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Sep 10, 2014 23:05
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Knyteguy posted:How come no mention of the nearly $800 in opera tickets yet? We're busy watching the train wreck in slow motion duh.
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Sep 10, 2014 23:13
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It hurts us to acknowledge it. Put on a sweater, slomo, gaaawd
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Sep 11, 2014 05:58
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Knyteguy posted:How come no mention of the nearly $800 in opera tickets yet? Old Fart posted:So I guess football isn't the only show you need.
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Sep 11, 2014 06:53
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Knyteguy posted:How come no mention of the nearly $800 in opera tickets yet? It's too painful to see after his supposed Hallelujah moment, like an unsightly boil, so people are quietly ignoring it. I knew hearing Slowmo talk about not constantly indulging his whims was too much to be true.
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Sep 11, 2014 15:56
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Trilineatus posted:Put on a sweatervest, slomo, gaaawd How soon the thread forgets. I'm willing to give him credit for a good August, but man. I guess any month he comes in under base salary is progress? SloMo, how many of last season's operas did you go see? How many of them do you remember? On a strict dollars per hour level, how much does it cost for you to entertain yourself that way?
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Sep 11, 2014 16:12
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What happened to wanting to purchase a condo? I'm disappointed that didn't pan out for you, Slow Motion!
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Sep 11, 2014 16:58
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wintermuteCF posted:What happened to wanting to purchase a condo? I'm disappointed that didn't pan out for you, Slow Motion! That is the plan for when this lease is up.
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Sep 11, 2014 17:09
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spwrozek posted:That is the plan for when this lease is up. Given the large proportion of expenditure on rent I'm hoping it's a more cost effective option.
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Sep 11, 2014 22:53
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spwrozek posted:That is the plan for when this lease is up. Wait. How is he going to buy a condo? What is he going to use for a down payment? Another 401k loan?
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Sep 12, 2014 13:00
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