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tuyop posted:I've got excel, and I use formulas and stuff a lot for work, but I've never ever had to make a graph, and it was very Microsoft when I tried to make one a few weeks ago. I'll give it another go I guess. Add another, independant, line that shows 'interest paid on all loans' for each month.
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Sep 1, 2011 09:54
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Breetai posted:Add another, independant, line that shows 'interest paid on all loans' for each month. It's going to be so small that it won't really show up on the graph, it's less than 300 a month. 137 on visa, 63 student loan, something like 10 on car, 50 on MasterCard, and like 5 on laptop, roughly. Also, I lent my roommate 200 bucks because he said he'd pay me back 240 on the 15th. I figured a 20% return on a loan was pretty sweet and I know he'll have the money. I forgot to cancel an automatic transfer into savings of 125, which was supposed to be only 25, but whatever. And I have to buy underwear next week, which is one of the things I've been building that savings account for. I've had the same three pairs since July 2008, I remember buying them, and they're really getting quite old. That'll be at least 100 bucks.  Now the serious debt-paying begins! Goal for this month is 1280 total debt payment. I'm going to put the gas that I don't spend on the debt as well, so I'm hoping for 1500. On a personal point, the girlfriend got a job with the military, she leaves October 11 for basic training in Montreal, so there will be at least two trips there over the fall in my future. How should I budget for that? tuyop fucked around with this message at 10:47 on Sep 1, 2011 |
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Sep 1, 2011 10:34
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tuyop posted:
What the gently caress sort of underwear are you buying?
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Sep 1, 2011 12:52
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You can get fruit of the loom boxers at walmart - $3/$10. There, I just saved you at least $80-$90
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Sep 1, 2011 13:03
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I buy underarmour boxerjocks. 3" black to be specific. Cheap boxerbriefs are a recipe for chafing, so gently caress that. Also they last three years of daily, sweaty, filthy use and have excellent ventilation. I knew this was coming and saved for it. I need new socks too but I still have one pair so that's probably going to wait until the new year. I won't tell you how much my socks cost.
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Sep 1, 2011 13:16
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tuyop posted:I still buy expensive things. I am not serious about my debt
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Sep 1, 2011 13:19
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I buy the Champion C9 brand of clothing (at Target) that is very similar to the stuff Under Armour makes. So far, that stuff has held up to mountain biking, running, rock climbing, whitewater rafting, and everything else I throw at it. Granted, some of my shirts have some minor pulls in them from catching it on sharp things, but overall the stuff performs very well. If you can time it right and buy stuff that's on clearance you can save a ton, especially compared to Under Armour. I bought most of the shirts for around $5-7, and the underwear is about $5/pair. I'm financially solvent and could afford the top of the line sports wear, but since I just get it dirty and smelly I decided to buy the cheap stuff and it holds up great. Even if I had to replace it twice as often I would still be saving money.
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Sep 1, 2011 13:23
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Yeah sorry, I could put that say, 50 bucks a year towards my debt but if you haven't noticed, it's really a drop of water in the loving ocean. I have a lot of trouble with chafing and it took a lot of trial and error and bloody underwear to find underwear that works. I'm not going to gently caress around with something different right before the most important course of my career. I'm going to meet my goals this month regardless of if I bought second hand 35 cent underwear or some 50 dollar merino wool panties from space, I just mentioned it because it's an upcoming expense. I'm also really positive because last month I didn't go into overdraft for the first time in probably a year, and all I had to do was follow a budget, which was hard at times (no we can't buy Marsala wine for this recipe, I already spent 50 on groceries. Shut up and eat the meat and veggies we bought  ), but it worked even with like 120 bucks of stupid fuckups. I've been thinking that, based on last month I should maintain a 10% weekly expense "oops" fund as a buffer, because I'm still sorting out a comfortable grocery budget, power bills change, sometimes my cell has long distance charges on it, et cetera.
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Sep 1, 2011 13:40
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It's just a suggestion. Your debt wasn't created by a single event, that "ocean" was created drop by drop. Now it's time to start bailing out the water, and that may mean you need to make certain cuts. I can understand wanting to wear nice underwear, but maybe there's other ways to cut back?
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Sep 1, 2011 14:10
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Keep on justifyin', bro! 
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Sep 1, 2011 15:51
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I just bought a five pack of boxers for $13. Undies for the proleteriat! It's the first underwear I've bought in five years. I wait until it literally falls of of me. (Also, I usually get some as a gift). I can't even imagine what kind of jewel-encrusted rare Chinese silk undergarmets cost $100. And I can't wait for you to tell us how much socks cost. Then again, I'm not sexy.
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Sep 1, 2011 16:19
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tuyop posted:Yeah sorry, I could put that say, 50 bucks a year towards my debt but if you haven't noticed, it's really a drop of water in the loving ocean. tuyop, less than a month ago posted:I just want to get rid of this debt as quickly as possible. Congratulations, you are a retarded person. quote:I have a lot of trouble with chafing and it took a lot of trial and error and bloody underwear to find underwear that works. I'm not going to gently caress around with something different right before the most important course of my career. I'm going to meet my goals this month regardless of if I bought second hand 35 cent underwear or some 50 dollar merino wool panties from space, I just mentioned it because it's an upcoming expense. Boy do I hate being right all the time. Another surprise expense, how quaint! And another cloud of rationalization to throw people off the scent of your failure, how quaint! quote:I've been thinking that, based on last month I should maintain a 10% weekly expense "oops" fund as a buffer, because I'm still sorting out a comfortable grocery budget, power bills change, sometimes my cell has long distance charges on it, et cetera. No. But do tell us more about the suffering of your loins. I am not sure how you endure such hardships.
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Sep 1, 2011 16:24
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So, what should I do about the Montreal trips coming up to visit my girlfriend? There are three or four 4 day weekends in October and November on this course, so I'd use one of those at least to see her. And what's wrong with a 10% revolving out-of-budget fund? Should I just be able to predict every single expense I might incur? Also, what hardships? Last month was pretty easy, I just had to get my girlfriend on board with the whole budgeting thing. I ate like a king and have a freezer full of tenderloin and salmon. I didn't go to Nova Scotia because of the money, but my family can deal with it. tuyop fucked around with this message at 16:47 on Sep 1, 2011 |
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Sep 1, 2011 16:44
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What should you do? Plan ahead, set aside money for the trips and cut back in other areas to pay for it (maybe decreasing the amount of cigs you buy for instance). What are you really going to do? Live life like normal, because you don't understand that you are less than broke. You're going to spend and do fun things and put off actually taking an active role in getting rid of your debt. Nocheez fucked around with this message at 16:55 on Sep 1, 2011 |
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Sep 1, 2011 16:52
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It's funny how tuyop's friends think that he's doing fine, but they apparently need to take out payday loans 
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Sep 1, 2011 17:14
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tuyop posted:And what's wrong with a 10% revolving out-of-budget fund? Should I just be able to predict every single expense I might incur? See this is what I'm talking about. Putting aside the woe-is-me bullshit, you're just trying to win your game of Excel. You're missing the point. Cut your expenses instead of trying to get a computer to rationalize your spending. Stop smoking. You have no excuse not to. Stop buying expensive food. You're not serious about health anyway. Stop buying top-of-the-line gear. You're not entitled to the nicest things. Or go ahead and keeping doing you. Cook the books so it makes you feel better. But don't expect BFC to give you a gold star just for showing up.
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Sep 1, 2011 17:16
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This thread is impossible because you just justify everything with bullshit and ignore really reasonable suggestions. Listen to how small these suggestions are: Canned or frozen vegetables? Nevermind that the nutritional world has decided they're essentially equivalent nutritionally to fresh vegetables, you somehow just know that to not be true somehow and cannot replace any of your fresh vegetables with canned or frozen. Stop smoking? No can do - it's the only way you know of to get rid of mosquitos and keep you up at night, plus you only smoke half a pack a day and spend $77/month on the habit - that's not so bad. At least you don't smoke AND drink, right??? Get a haircut every two weeks instead of three? Totally impossible. Work will not allow it. Nevermind that you admit that you keep your hair on the longside which is why you have to get it cut that frequently, you can not go even a little shorter so a once a month haircut wont put you in the "getting yelled at" category. Cheap underwear and socks? No, you have tried every brand and only this one brand works and chafing is such a huge problem. Also... just as a girl who is curious, do you really only own 3 pairs of underwear and 1 pair of socks or are these just your special pairs or something? I'm sorry but that is disgusting, and doesn't it require you to wash them (at least the socks) everyday? Im guessing you dont pay for laundry but God, what a pain. As for Montreal, first you have to figure out how much each trip will cost you and what dates you need to have the money by. How will you get there? Where will you stay? You look and do research to see what the cheapest options are. Then you have to save. You have your savings/debt payment goal so you have to save money while still hitting that goal. You can do that by making more money (selling stuff, giving your friends payday loans which is risky, working a side job (e.g. writing for those various pay per article websites) or spending less (we've identified numerous reasonable ways for you to save -- see above -- 1 haircut per month + no cigs = automatic +$100) or since you are going to see your girlfriend and this will benefit you both, asking her to budget as well and help with the payment if she wants to see you that often. KarmaCandy fucked around with this message at 17:45 on Sep 1, 2011 |
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Sep 1, 2011 17:38
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/\/\/\ I only wear underwear for work and working out and tend to wear two pairs a week unless they get awful, so every Monday I wash two pairs. The rest of the time it's commando. I haven't really met any girls who think my underwear habits are gross. As far as the socks go, they're very nice merino wool things that never stink, and I only wear them in civilian clothes when I don't go barefoot so they go two weeks or more between washings. Again, no complaints from females.Nocheez posted:What should you do? Plan ahead, set aside money for the trips and cut back in other areas to pay for it (maybe decreasing the amount of cigs you buy for instance). Oh you mean like I did for the underwear? Thanks.  Ok, so I'm going to go for 12 November. It should cost: 60 for ho(s)tel room. 100 for food 50 for misc 200 for gas So 410 by November 12. 35 a week. I'll put it in the savings account I guess. If anything, the cigarette spending is going to increase this month once I start course. But my income goes up 550 a month, and groceries and gas go down, so it won't cause any balance problems. Also, you guys seem really dramatic about little things. I don't think it matters what I spend my money on as long as I maintain a positive cash flow (check), and pay down my debt steadily (check). I know that one month doesn't make a trend, but just because I buy cigarettes and clothes doesn't mean that I'm going to fail. I just have to stay out of an airplane for a few years. Cooking the books wouldn't yield results, would it? I'm just trying to stay organized. Also, what woe-is-me bullshit? I say I have an expense, you guys say, "Why would you possibly have that expense?!" So I explain it. It's like if you needed to run a lot for some reason, but normal shoes gave you shin splints and kept you from running as much as you needed to, so you had to buy 250 dollar shoes once a year or so. That seems like a very good reason to buy 250 dollar running shoes to me. tuyop fucked around with this message at 18:03 on Sep 1, 2011 |
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Sep 1, 2011 17:57
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tuyop posted:Also, what woe-is-me bullshit? I say I have an expense, you guys say, "Why would you possibly have that expense?!" So I explain it. It's like if you needed to run a lot for some reason, but normal shoes gave you shin splints and kept you from running as much as you needed to, so you had to buy 250 dollar shoes once a year or so. That seems like a very good reason to buy 250 dollar running shoes to me. Those are decisions someone that is in good fiscal shape gets to make. Not someone like you.
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Sep 1, 2011 17:59
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tuyop posted:And what's wrong with a 10% revolving out-of-budget fund? Should I just be able to predict every single expense I might incur? It seems like the path you've taken to setting your budget is bottom-up; deciding how much you need to/want to spend on each category, then throwing whatever is leftover each month at either debt or savings. This works well for people who don't have a lot of unexpected expenses, or impulse control issues, so maybe a top-down approach would work better for you? Set an ideal savings target, and an ideal debt payment target for each month. This doesn't mean pick arbitrarily. Run the numbers, and figure out how much you need to put into your savings account each month so you'll have exactly the right amount of cash on hand when expenses like trips to Montreal and new boots come due. Same goes for your debts. Want to pay off your laptop by the end of December and reduce your total debt by 10% by February? Plan your payments each month to be enough to accomplish that. Add together your savings and debt targets for each month. Take that amount, and subtract it from your income. The remainder is your budget. Allocate that as you see fit. Cigarettes, gas, protein supplements, entertainment, whatever. If you don't have enough to buy all the things you want, tough poo poo. That's living on a budget. Spend less on food, get a cheaper cell phone plan, get Netflix instead of going to the movies, do what you have to do to get by without tapping into your savings, reducing your debt payments, or putting more debt on your credit cards. Getting rid of your debt is a goal that YOU chose. Pick the year, month, or even day that you want it to be a reality, and start writing checks each month that will accomplish that. If your plan is to just try your best to live meagerly and toss whatever money is left over at your debts, you'll never succeed. Not with your credit card balances and a penchant for "discovering" new expenses each month. On a side note, you've repeatedly justified dubious expenses as necessary for work. Stop that. If you don't plan to claim it on your taxes, it's not a work expense, so you shouldn't exempt it from your budget. bam thwok fucked around with this message at 18:08 on Sep 1, 2011 |
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Sep 1, 2011 18:03
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tuyop posted:
Here is a bunch of stuff you've said in this thread, rearranged so you can hopefully see how loving ridiculous you are being.
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Sep 1, 2011 18:24
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/\/\/\ Oh yeah, I paid off the cost of the supplements on Tuesday because I felt bad and wasn't going to go into overdraft over it, so nothing has changed regarding my mastercard.bam thwok posted:On a side note, you've repeatedly justified dubious expenses as necessary for work. Stop that. If you don't plan to claim it on your taxes, it's not a work expense, so you shouldn't exempt it from your budget. I do. This is pretty common in the military. In 2009 I claimed boots, a rain jacket thing, and some workout gear. We can't claim haircuts, shaving cream or razors, boot polish, and other stuff. Women can claim bras though.  And the steps you listed ARE what I did. That's why last month worked. I'm new to budgeting, so I just missed some things. I'll get better at it, it's not like I'm putting no effort in. I just don't say poo poo like, "Man I hate carpooling to work 20 days in a row. My roommate left his car windows rolled down in the hurricane and I had to sit in a puddle for half an hour." (not martyring myself, just saying that I could have said that to demonstrate that I actively reduced my gas spending) tuyop fucked around with this message at 18:37 on Sep 1, 2011 |
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Sep 1, 2011 18:31
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Read what asmallrabbit posted. Now read it again. And again.
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Sep 1, 2011 18:35
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tuyop posted:/\/\/\ I only wear underwear for work and working out and tend to wear two pairs a week unless they get awful, so every Monday I wash two pairs. The rest of the time it's commando. I haven't really met any girls who think my underwear habits are gross.  This thread has taken a turn for the gross. One pair of socks for more than 2 weeks at a time is nasty.
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Sep 1, 2011 18:54
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asmallrabbit posted:Here is a bunch of stuff you've said in this thread, rearranged so you can hopefully see how loving ridiculous you are being. Masterful post.
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Sep 1, 2011 18:58
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Inept posted:
Try some merino wool poo poo. One guy wore a pair for 177 days straight on the Appalachian Trail and they didn't smell. No blisters either, for what it's worth. I want an icebreaker merino wool bodysuit so bad. 300 bucks on long underwear when I already have several pairs of very nice polypropylene issued stuff is silliness though.
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Sep 1, 2011 19:01
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tuyop posted:And the steps you listed ARE what I did. That's why last month worked. I'm new to budgeting, so I just missed some things. I'll get better at it, it's not like I'm putting no effort in. If this is what you're doing, it's not at all obvious from the graphs and other updates you give us. In the OP you posted:I want some accountability and feedback, so I'm posting a thread about it. Let's have some accountability then. When (what month) is your laptop going to be paid down at the rate you're going? What about the Mastercard, or any of your other debts? What's your plan here? Where are the earmarks for each of your savings goals in your spreadsheets? quote:I just don't say poo poo like, "Man I hate carpooling to work 20 days in a row. My roommate left his car windows rolled down in the hurricane and I had to sit in a puddle for half an hour." (not martyring myself, just saying that I could have said that to demonstrate that I actively reduced my gas spending) Congratulations on having the restraint not to say that, I guess?
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Sep 1, 2011 19:09
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I will vouch for the quality of merino wool socks * he says as he looks at the giant sums of money in his bank accounts *
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Sep 1, 2011 19:11
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Don't you all get it? He's willing to do anything at all and live like a hobo to get his debt under control. Wait, you want him to actually sacrifice? You fools!
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Sep 1, 2011 19:15
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tuyop posted:Try some merino wool poo poo. One guy wore a pair for 177 days straight on the Appalachian Trail and they didn't smell. No blisters either, for what it's worth. I love how your reaction to asmallrabbit’s spectacular post is to keep digging. It’s kind of endearing in a way. Also one pair of socks for 177 days straight brings back weird flashbacks http://forums.somethingawful.com/showthread.php?threadid=3268872 
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Sep 1, 2011 19:18
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tuyop posted:It's going to be so small that it won't really show up on the graph, it's less than 300 a month. Add each month to the total from last month. For more impact, calculate how much interest you've already paid and start with that number. That's money you earned that you're never getting back. It's like an anti-coupon, sure it cost 20% more but you got it now!
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Sep 1, 2011 19:35
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Just because they don't stink and are still comfortable doesn't mean it isn't gross as all hell. Feet sweat. Where do you think that sweat goes, sweat heaven?
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Sep 1, 2011 19:52
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bam thwok posted:Where are the earmarks for each of your savings goals in your spreadsheets? The what in my what? As far as savings goes, I'm floating a 1000 dollar chequing balance for my insurance deductible, and right now 435 in savings and a TFSA for (clothes, car maintenance, Montreal trip, Christmas). I save 50/mo for the TFSA and 360 in general savings for the rest. I don't know what the TFSA is for but I figure it doesn't hurt. quote:Let's have some accountability then. When (what month) is your laptop going to be paid down at the rate you're going? What about the Mastercard, or any of your other debts? What's your plan here? Ok. Mastercard: December 2011 Laptop: January 2012 Visa: April 2012 Student loan: May 2013 Car Loan: May 2014 quote:If this is what you're doing, it's not at all obvious from the graphs and other updates you give us. Well to build the budget, I did just that. I took the savings amount I need to make (250) + the debt servicing I want (1291) and subtracted it from my income (2894). Which is 1353. The budget was: Groceries: 250 (turned out to be 200) Gas: 350 (turned out to be 90) Cash: 160 Power: 30 Car: 375 Insurance: 202 Rent: 162.50 Cell: 72 Total: 1291 It seems like I spent 140 in there on things that came up last month, but I also serviced the debt 1341. I planned on reducing the savings this month in order to focus on the debt paying, so from 360 to 160. The whole thing is pretty nonsensical right now anyway, because on the 12th I'm going on course, where I will have no grocery expenses, incredibly small gas expenses, few things to spend cash on, and 550 more a month in income. The only thing I can count on is the solid bills (cell, car, insurance, rent) and I have a goal set for debt repayment and a thing to save for.
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Sep 1, 2011 19:55
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asmallrabbit posted:Here is a bunch of stuff you've said in this thread, rearranged so you can hopefully see how loving ridiculous you are being.
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Sep 1, 2011 20:50
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asmallrabbit posted:Here is a bunch of stuff you've said in this thread, rearranged so you can hopefully see how loving ridiculous you are being. Well that sure is a collection of hilarious out-of-context quotes! I mean really, it's very funny and I guess I can see how you guys can get angry and confused at where I'm coming from if you only really read things in key phrases that contradict other key phrases.
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Sep 1, 2011 20:55
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You said that you need to smoke to keep mosquitos away. This is a thing you literally said. You weren't kidding, either. In the future, if you ever wonder why people are having such a hard time accepting your endless bullshit justifications for every insane expense you claim to require, take another look at my first sentence and maybe you'll get it then.
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Sep 1, 2011 21:20
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A few things: 1. Cheap =/= thrifty. If you pay more for something because it works better and lasts longer it can be cheaper in the long run. That said, if you're really concerned about chafing, you can get cheaper underwear and A gently caress TON of gold bond medicated powder for less than $100 and get the same effect. 2. Overdrafting. Are you loving kidding me? Overdrafting! Do you know how many times I've overdrafted an account in my entire life? Zero. Do you know how I've done so? I can do math. There is ZERO excuse for anyone to overdraft an account accidentally, and if you've seriously been doing it that much for that long then I don't know what to tell you. I can't believe that people have glossed over this point without calling you out on it. Fix your poo poo! 3. How the gently caress do you people keeps socks as long as you do?! I'm lucky if a pair of socks makes it 6 months wearing them 1 time/week without getting holes in them, let alone this "wear the same pair of socks for 1/2 a year without washing them" poo poo. And the wool socks die just as fast as the regular ones - I've tried them.
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Sep 1, 2011 22:04
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tuyop posted:Well that sure is a collection of hilarious out-of-context quotes! Man, there you go again, dismissing and denying everything. FFS some of those are full paragraphs from your posts. It's not like I cut it down to one sentence just to make it look bad. I re-arranged it to show how often you contradict yourself and don't follow up on poo poo you said before. You just don't get it do you?
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Sep 1, 2011 22:07
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T0MSERV0 posted:3. How the gently caress do you people keeps socks as long as you do?! I'm lucky if a pair of socks makes it 6 months wearing them 1 time/week without getting holes in them, let alone this "wear the same pair of socks for 1/2 a year without washing them" poo poo. And the wool socks die just as fast as the regular ones - I've tried them. My parents put in new carpet once that ate through all of our socks. It was like super low knit or something. I moved to an apartment with full laminate flooring and I didn't buy any additional socks (cheap 70 walmart ones) for two years.
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Sep 1, 2011 22:08
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You know what? Show us where one of those quotes is taken out of context and how it changes if thats what you think.
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Sep 1, 2011 22:10
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