|
Sephiroth_IRA posted:Costco is out of my way, I don't have a card and the only reason I go there is when I run out of allergy meds, which won't happen again for another two years, maybe less since I seem to be less problems with allergies as I've gotten older. OTC meds or prescription meds? Can you buy OTC meds there without a card?
|
#
¿
Mar 14, 2014 05:04
|
|
|
|
| # ¿ Apr 27, 2024 17:28 |
|
|
If you're ever in a bind, Dollar Tree has a ton of cheap generic meds. I think they have 14 tabs of generic Zyrtec for $1.00.
|
|
#
¿
Mar 14, 2014 14:58
|
|
|
During the day I live off free water and boxes of generic Pop Tarts from the dollar store. Saves me a poo poo load of money. I can't even imagine being a coffee drinker and having to pay for that multiple times/day 
|
|
#
¿
Mar 19, 2014 04:53
|
|
|
kissekatt posted:That's where the only skill part of buying a lottery ticket comes in - picking numbers that other people don't pick. Avoid possible birthdays, pick numbers in a (near) sequence (because everyone's gut feeling is that 1-2-3-4-5 is far more improbable than 1-14-15-22-37), and so on. The numbers are completely random and the odds are horrible. There is no skill involved. Do not play the lottery.
|
|
#
¿
Mar 19, 2014 06:07
|
|
|
CountOfNowhere posted:That sounds horrifically unhealthy. It used to be Pop Tarts and Sweet Tea. Switched from Sweet Tea to water and lost 30 pounds.
|
|
#
¿
Mar 19, 2014 06:18
|
|
|
Is it bad that I'm considering moving into an apartment-share with someone for $180/month because I'll save like $3500/year instead of staying at my current apartment? I know I'll give up my privacy, but...$3500!
|
|
#
¿
Mar 21, 2014 18:50
|
|
|
Your Dead Gay Son posted:You'll have a bedroom won't you? Of course, but have to share bathroom/kitchen/common area.
|
|
#
¿
Mar 21, 2014 18:59
|
|
|
Yeah I've found that scouting out UrgentCare centers and what they charge/if they accept your insurance ahead of time saves *a lot* of hassle when you're in need of one.
|
|
#
¿
Mar 22, 2014 00:24
|
|
|
I only keep the pantry stocked for 2-3 days worth of meals at a time. Makes me more conscious of spending (by shopping for food more often), and I refrain from buying anything that will be wasted.
|
|
#
¿
Mar 25, 2014 16:49
|
|
|
Cicero posted:That kind of sounds like the dark side of frugality. My grandmother's friend used to buy dresses, wear them to parties, then return them the next day
|
|
#
¿
Apr 5, 2014 03:59
|
|
|
Trying to decide what to do here. The only black hole in my finances is my car lease. I'm leasing a 2012 Honda Civic for $195/month and have a year left on the lease. I paid $2000 down, so over the course of 3 years I will have paid $9,000 (not including insurance or maintenance) So my options now are: -Ride out the rest of the lease -Take whatever the dealer's offering to turn the car in early (I think the car has 2-3k worth of equity compared with the current market value) and get something used -Take whatever the dealer's offering to turn the car in early (I think the car has 2-3k worth of equity compared with the current market value) and get a cheaper leased car like a Smart Fortwo ($999 down and $99/month for 3 years = $4563 for a Smart Car over 3 years) -Buy the car outright after the lease is over (the buyout price is $10,000) What would you do, goons? I live in an area that gets snow, so the Smart Car probably isn't wise. But god drat is it cheap.
|
|
#
¿
May 4, 2014 16:56
|
|
|
I think I found a new option: http://www.scion.com/promotions/purelease/#model=iQ $3129 down - $1000 bonus cash - $750 college grad bonus = $1379 down $1379 down + $99/month for 36 months = $4945 for a 3-year lease And the iQ has good reviews compared to the Smart ForTwo.
|
|
#
¿
May 5, 2014 07:47
|
|
|
My savings are only $13,000 or so, and I only make about 25k/year, so parting with all of the money I have to payoff the Civic would be a big risk. I also have $27k in student loan debt that I'd like to pay down as soon as I have more money saved up. A lower monthly car payment would help me achieve that by letting me save more money that I can use towards the debt. Dumping $10k into a new car or financing the $10k with a loan isn't appealing to me. gently caress loans, basically. The Civic's fine, but realizing you could have paid off your student loan debt by now if you were just smarter with car selection is a harsh pill to swallow.
|
|
#
¿
May 5, 2014 18:39
|
|
|
a worthy uhh posted:"gently caress loans" -Guy who keeps leasing cars that cost as much as his yearly salary ...and I'm trying to change that, thanks for caring!
|
|
#
¿
May 5, 2014 19:11
|
|
|
I'll post my budget later - I actually live quite modestly and in an area with low cost-of-living. Had beaters before, never want to go through the "Yeah, you need $2000 worth of work to pass inspection" talk again with a mechanic. Seemed like I was doing that every year at one point.
|
|
#
¿
May 5, 2014 20:05
|
|
|
Rick Rickshaw posted:I know that living here rust and potholes will kill my car far sooner than if I lived in a more consistent, drier climate. Where do you live? Is that what was happening to your older cars? Yes, I live in Western New York and corrosion is a major problem here. Rock salt is the devil. It's amazing travelling to California and seeing people driving cars from the 1970s that don't look like they've aged a single day. As promised, my monthly expenses: Rent: 425 Student loans: 240 Car lease: 195 Car insurance: 87 Hospital bill from when I was uninsured: 80 Gas: 60 Utilities: 50 Food: 40 Credit card: 25 Total: 1202/month Income: 1666/month (after taxes and health insurance deductions) Net Gain: 464/month Now here's where things get fun. The balance on my one Perkins loan is down to around $1500 and I'm going to pay that in full soon, reducing my student loan payment by $40. I'm going to qualify for full IBR this year and my Stafford loan payment will be $0, so that reduces my student loan payment by another $50. The hospital bill has 0% interest and will be paid off in a year, or whenever I decide to pay off the balance (it's at like $1200 now). The credit card I opened specifically for an emergency auto repair and has 0% interest for 18 months - I'll pay the minimum payments for a while and then pay off the full amount around Month 17. So in about a year my monthly expenses will look more like: Rent: 425 Student loans: 150 Car lease: 195 Car insurance: 87 Hospital bill from when I was uninsured: 0 Gas: 60 Utilities: 50 Food: 40 Credit card: 0 Total: 1007/month Income: 1666/month (after taxes and health insurance deductions) Net Gain: 659/month If I could work it out so that my Net Gain is close to $1000/month, that would be phenomenal. If I bought a beater and insured it at the bare minimums, I would be close to that. Asking for a raise soon, so that would help too 
|
|
#
¿
May 6, 2014 00:00
|
|
|
GAYS FOR DAYS posted:You spend $40 bucks a month on food? I'm thrifty.
|
|
#
¿
May 6, 2014 00:49
|
|
|
Cicero posted:I'm trying to figure out what thrifty means in this instance. Bums food off parents or friends? Extensive garden? Goes to soup kitchens? Extreme couponer? Lives off of top ramen? I only buy a few days worth of food ahead of time. Being a former fatty, I know the danger in having a stocked pantry. It breaks down something like: $10/month - generic boxes of Pop Tarts (work food) $10/month - cheap cookies/crackers to have around the house $20/month - pasta, rice, whatever sounds good for lunches/dinners I only drink water and don't drink alcohol.
|
|
#
¿
May 6, 2014 01:01
|
|
|
Folly posted:You're paying $200 a month for a car you drive so little that you only spend $60 in gas each month? That must mean your daily commute is < 12 miles round trip? Sounds like you could use a bike. Weather around here is only good 3 months out of the year and my commute runs through the hood, so a bike wouldn't work. If our transit system wasn't horribly inefficient I'd take public transportation. I do go to other people's places for dinner a few times a month, guys. Don't worry about my diet.
|
|
#
¿
May 6, 2014 02:02
|
|
|
Your owner is a piece of poo poo who pocketed the excess money. Canceling a credit transaction is as simple as making a phone call.
|
|
#
¿
May 10, 2014 18:33
|
|
|
Sephiroth_IRA posted:So I went back to the pharm and asked "motrin, advil, ibuprofen is all the same stuff right? no extra ingredients or differences?" Because drug companies throw billions of dollars at doctors through free food/vacations in order to get them to prescribe brand-name drugs. Welcome to America. You could have went to Dollar Tree and got a 40-pack of generic ibuprofen for $1.00.
|
|
#
¿
May 13, 2014 14:26
|
|
|
Has anyone successfully got married and kept their finances completely separate? Like, no joint-checking accounts and no snooping?
|
|
#
¿
May 16, 2014 13:41
|
|
|
Smart tv's have crap ui's that are rarely (if ever) updated and are slow. I'm sure at some point tv's will have Chromecast functionality built-in, but at the moment they're still pretty half-baked. I have my laptop hooked up via an HDMI cable to my flat-screen, and I use a wireless keyboard to navigate. It's awesome. EugeneJ fucked around with this message at 19:50 on May 17, 2014 |
|
#
¿
May 17, 2014 19:48
|
|
|
Bobert51 posted:Ugh. I'm wrapping up the first month I've had a United Chase credit card, and I have it set up to autopay the full amount due from my checking account, but today is the due date and it hasn't autopaid yet. The lady on the phone assures me that it will go through today, but it still makes me nervous. After this month I won't be so worried but I really don't want to be hit with late fees while I have plenty of money to cover it just sitting in my checking account. I guess I'm mostly just worried I copied the debit number wrong some how and it won't go through All the credit cards I've dealt with stipulate that until your ACTUAL STATEMENT says "autopay", you have to keep paying like normal. Usually it takes a billing cycle or two for it to happen. You'd think it would just happen automatically since you can setup autopay in 30 seconds online, but no.
|
|
#
¿
May 20, 2014 23:28
|
|
|
Juanito posted:I really like Get Rich Slowly. Wide variety of topics. quote:So, in my opinion, there are some cases where it makes more sense to spend the few extra bucks instead of saving it. We’ve also done things like: Yeah I stopped reading here.
|
|
#
¿
May 22, 2014 16:14
|
|
|
Question of the Day: If you got laid off and had to go on Unemployment, would your Unemployment benefits cover your expenses? AKA "How hosed would you be?" If I used NY's benefit calculation: quote:1. Gather your pay stubs from the past year. Include pay stubs from all employers. If you do not have all the necessary pay stubs, contact your previous employers and request a printout or other statement of your weekly wages for the past 12 months. I'd make about $225/week according to that, which translates to $900/month. I'd easily be able to get my expenses down to about $600/month, so I'd be fine. That would include deferring my student loans (which I would hate to do) and enrolling in Medicaid for health insurance.
|
|
#
¿
May 25, 2014 14:44
|
|
|
Nail Rat posted:Fuuuuck. Think the AC in my HVAC unit is finally giving up for good. Can't you just get a couple window units for $100/pop, or are those not allowed in your complex? What about portable air conditioners like these: http://www.bestbuy.com/site/air-conditioners/portable-air-conditioners/abcat0907004.c?id=abcat0907004
|
|
#
¿
Jun 1, 2014 22:31
|
|
|
Sephiroth_IRA posted:Are there any reputable online or alternative auto/home insurance companies? The thought of using Geico leaves a bad taste in my mouth even though MMM recommends them for some reason. The giant corporations always offer the lowest prices. Never had a problem with Geico.
|
|
#
¿
Jun 2, 2014 21:44
|
|
|
Returned the cable modem that I was leasing from Time Warner for $6/month since I bought my own. My bill will now be $16/month for internet (tax included)  This is the modem I bought used for $20 shipped if anyone's interested: http://www.amazon.com/gp/product/B002M3SHXA/ref=oh_details_o02_s00_i00?ie=UTF8&psc=1
|
|
#
¿
Jun 5, 2014 23:01
|
|
|
spwrozek posted:You should have got the surfboard modem with docsis 3.0 IMO. I have had better results with that version (SB6121). I actually just bought another one for my wife's apartment. I think docsis 2.0 is good on Time Warner up to 50mbps down - I'm only on the $14.99/2mbps down plan and the new modem is fine with speed.
|
|
#
¿
Jun 5, 2014 23:29
|
|
|
Always always always pay the extra $20/year or whatever to add Full Glass to your comprehensive insurance
|
|
#
¿
Jun 11, 2014 17:01
|
|
|
Can't kids these days just use their phones to go to the book store, snap photos of the chapter they need for the day, then go off to class? That's what I'd do
|
|
#
¿
Jun 12, 2014 22:04
|
|
|
Uncle Jam posted:The only one I could find had the driver compartment filled with soil for some reason. Still would like to see some ads for $250 cars. I also tried to find one after the "$250 car" post. The best I could find was a few $1500 cars that needed major work, and the owners were nice enough to lay out what repairs would be necessary to make them run Most cars that I found that ran were around $3000 with 250,000+ miles and rebuilt engines
|
|
#
¿
Jun 13, 2014 02:39
|
|
|
After having an $800 car that used to stall out randomly in heavy traffic, I'd rather pay extra to not ever experience that again Anyone here ever use CarMax before? Good experiences? Bad experiences? EugeneJ fucked around with this message at 21:15 on Jun 13, 2014 |
|
#
¿
Jun 13, 2014 21:12
|
|
|
tuyop posted:Man, my pension value transfer finally happened. ...don't you have a website where you can check your balance?
|
|
#
¿
Jun 26, 2014 04:29
|
|
|
FrozenVent posted:Is it me or financial service providers are really pushing YOU MUST KNOW YOUR CREDIT SCORE AT ALL TIMES!!!!! these days? I've been arching a bit too much American cable tv these past few days, and it seems everyone is trying to sell me credit report. It's all free money for them if you view your score through their service, so of course that's a smart thing to push. Also in America we have a shitload of TV commercials pimping "free credit reports" that are really "whoops - you didn't read the fine print and cancel within 30 days of signing up, we're going to charge your credit card $70 - have a nice day!" scams. My grandparents fell for that, even after I told them what site to go to if they wanted their free annual reports (https://www.annualcreditreport.com/index.action).
|
|
#
¿
Jul 6, 2014 17:37
|
|
|
CreditKarma added a free credit report feature that's currently in Beta - it shows your closed accounts and such now, pretty cool!
|
|
#
¿
Aug 5, 2014 15:43
|
|
|
tuyop posted:Yeah, she's amazing. ...how old is your wife
|
|
#
¿
Dec 7, 2014 19:08
|
|
|
moana posted:gently caress the USPS, I set up mail forwarding to my new address and just heard from my boss that my w2 came back marked "undeliverable, unable to forward." Which means all of my 1099s are lost in the ether too. I need to get my taxes done so I can get approved to buy a house and now I can't, and gently caress this poo poo forever. UGH I think forwarding is only good for 30 days and then you have to renew it
|
|
#
¿
Feb 11, 2015 00:44
|
|
|
|
| # ¿ Apr 27, 2024 17:28 |
|
|
peter banana posted:I ate out today but didn't pay for it What a generous hooker
|
|
#
¿
Feb 12, 2015 18:12
|
|
