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signalnoise posted:This is absolutely relevant. I am addicted to novelty. This is easy to say, but takes a lot of restraint to do things about. The "NEW! SHINY! MINE!" chemicals are very real, and they feel really good. Acknowledge that, and try to get the same feeling from other places. And every once in a while, budget for a new shiny thing. To poke at your budgeting a bit, I'll ask a few questions about an area that people usually overspend on: Food. - How much do you spend on food each month? (Separate out Restaurants and Groceries) - What sort of groceries do you buy? - How much of your food spoils, or gets thrown out? - How many times per week to you eat out or have fast food? - Can you or your wife cook? Are you willing to learn?
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Jul 19, 2015 11:29
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FCKGW posted:My suggestion is to hop on mint, pour over the last few months of expenses and spend s couple hours hand categorizing everything. Getting a strong base view of your spending can be a eye opening experience. And if you're open to it, post non-personal information here. Simple things like sharing Mint's pie chart for your spending for a few months might point to some obvious expense you could curb.
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Jul 19, 2015 20:41
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signalnoise posted:Includes phone Even with phone, internet and cable TV that would seem high. Edit: Do you actually need a land line? I assume you both have cells. My wife and I have owned a home for 5 years without one. And if you really need one, threaten to switch providers and milk a promotional deal out of them for 6 months.
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Aug 7, 2015 19:37
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Veskit posted:If it's a business line then why is it in your budget? Aren't your business finances separate from your personal ones? I'm not up on his business situation, but business finances need to be completely separate from personal finances or else bad things will happen if the IRS audits you or a lawsuit ever comes up. If you're just sloshing money around between accounts, you may end up losing your personal money if your business gets sued or owes taxes.
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Aug 7, 2015 19:53
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Want to buy a bunch of Everblight pieces off me for 25% of retail?
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Aug 12, 2015 21:21
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il serpente cosmico posted:That makes me want to cry a little bit student loan debt like that is as  as you can get in this generation
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Aug 17, 2015 22:54
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