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I probably shouldn't mix your threads, and I don't know if this is your only car Snipped for size: scuz posted:
But, hold off on any of this that you can, set an allowance and consider it a hobby. scuz posted:
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Jan 20, 2016 01:36
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. We’ll see. 
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Nothing more expensive than a project car. If you ONLY do work to fix the oil consumption problem that could make sense, but don't touch anything else. How much are you getting paid to work on the W8? (comedy answer not enough lol)
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Jan 21, 2016 18:12
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Well I made it to payday! All my bills are paid between now and next paycheck and I'm sitting on something around $800 until next paycheck at this very moment. I haven't budgeted for food or anything like that yet, but I've severely reined in my booze spending (tea is a fun alternative, and much cheaper) and haven't spent a dime on restaurant food in 3 weeks. Feels good!Bibendum posted:I probably shouldn't mix your threads, and I don't know if this is your only car This is pretty much exactly the plan for these. I'm not putting any of MY money into the Passat besides the price of insurance each month and the title transfer fee, and the Golf is just getting the oil problem fixed for the foreseeable future cuz  KYOON GRIFFEY JR posted:Nothing more expensive than a project car. If you ONLY do work to fix the oil consumption problem that could make sense, but don't touch anything else.
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Jan 26, 2016 21:49
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Hey, just a little advice, food, resteraunts, booze etc. Can get away from you fast especially when you start having a little buffer. That voice that keeps telling you to not grab a sandwich gets quieter when you have a little emergency fund sitting in the bank or you finally get a month ahead on your bills. I would recommend you and you SO meal planning and shopping off a cash budget. Works so much better than bulk buying whatever you think you may need and has an added benifit of cutting down on compulsive and non-essential foods and eating healthier if you are into that.
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Jan 26, 2016 22:18
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Nice! Good job, man. Make a budget for the $800 and post it here to hold yourself accountable. Trust me, it'll help not to just blow it when it's for ambiguous things.
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Jan 29, 2016 04:39
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So you and the gf split the mortgage, is there a reason you don't split the tv or internet bill? I know it's not a ton of money, but over the course of a year it'll add up to almost a grand. That being said, there's already a ton of progress in this thread. Keep it up!
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Jan 29, 2016 14:07
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Obviously do not even consider this if you are not ready for merging finances with your girlfriend even a little bit BUT I wasn't super great with money when I met my husband. When we bought a house together we set up a joint checking account and each put a set amount of money into it. I calculated how much money we needed for stuff like mortgage, cell phones, heating, water, etc. anything joint. We make about the same amount so we split that monthly amount into 4 and each put in that amount plus about $100 every paycheck. The money in this account goes to bills. It doesn't go to eating out or buying poo poo for the house or anything. Just bills. We have a checkbook for it but no debit/check card. The rest of our money we keep separate and do whatever with. But we always have enough for bills plus a good amount of padding that builds up over time that can go to unexpected house stuff if needed. It also means we both contribute equally to bills (it's adjusted a little bit because he adds more for his car payment and I buy groceries and most other stuff out of my account). But if you split costs it's always the method I recommend.
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Jan 29, 2016 19:19
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The most difficult part about having left over money after bills are paid is not going directly to a burger joint over lunch cuz "lookit all that left over money!" My discipline isn't where it should be, but it's certainly getting better. The $800 "left overs" wound up being closer to $400 cuz I forgot about my car payment and had some other unexpected expenses, but hey, at least it wasn't a scramble to figure out how to shuffle the credit card payments around  I make significantly more money per year than my girlfriend so that's why I kind of shoulder a few more bills. She's a public school art teacher and I'm an IT computer janitor. She also does a majority of the grocery shopping for us.
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Feb 3, 2016 17:15
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Keep hanging in there, doing good.
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Feb 3, 2016 19:06
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scuz posted:The most difficult part about having left over money after bills are paid is not going directly to a burger joint over lunch cuz "lookit all that left over money!" My discipline isn't where it should be, but it's certainly getting better. The $800 "left overs" wound up being closer to $400 cuz I forgot about my car payment and had some other unexpected expenses, but hey, at least it wasn't a scramble to figure out how to shuffle the credit card payments around What I do to avoid this is I automate everything coming out of my paycheck the day it goes in the bank. I use Capital One 360 (formerly ING), they let you have unlimited sub accounts for savings, so I have a different savings account for different bills/savings goals. Car payment, mortgage, emergency fund, home maintenance, car maintenance, etc. Every other Friday half of my mortgage payment goes straight from my checking account into my mortgage account. Same with all my other bills. Budgeting becomes pretty easy when all your bills are automated, anything left over in my checking account really is money I can spend on whatever I want.
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Feb 3, 2016 23:02
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scuz posted:The most difficult part about having left over money after bills are paid is not going directly to a burger joint over lunch cuz "lookit all that left over money!" My discipline isn't where it should be, but it's certainly getting better. The $800 "left overs" wound up being closer to $400 cuz I forgot about my car payment and had some other unexpected expenses, but hey, at least it wasn't a scramble to figure out how to shuffle the credit card payments around Good work getting back into the monthly black. Keep it up. Jose Valasquez posted:What I do to avoid this is I automate everything coming out of my paycheck the day it goes in the bank.
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Feb 4, 2016 00:59
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scuz posted:The $800 "left overs" wound up being closer to $400 cuz I forgot about my car payment and had some other unexpected expenses, but hey, at least it wasn't a scramble to figure out how to shuffle the credit card payments around This is the most important part of having money "left over" there are bills and things to pay that you need the money for, just like what happened. You will always feel better when you have money there to actually pay for bills/rent/etc. It's the start of digging yourself out.
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Feb 4, 2016 04:22
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Most of my meals are home-cooked because I enjoy tinkering in the kitchen, so no worries there.  In other news, I might be selling my drum set for cash money. It isn't being used at the moment and was purchased mostly on credit anyway so it may as well go back to helping the cause. If I had $1,200 cash, what would you all recommend I do with it? I'm thinking of putting all/most of it towards my highest-interest, highest-balance credit card, just wanted to make sure that was a good idea first  edit: while i'm here, what're y'all's thoughts on automatic deductions from bank accounts? Is it better to take care of them manually or is it personal preference? scuz fucked around with this message at 21:31 on Feb 4, 2016 |
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Feb 4, 2016 21:27
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scuz posted:In other news, I might be selling my drum set for cash money. It isn't being used at the moment and was purchased mostly on credit anyway so it may as well go back to helping the cause. If I had $1,200 cash, what would you all recommend I do with it? I'm thinking of putting all/most of it towards my highest-interest, highest-balance credit card, just wanted to make sure that was a good idea first Put it all towards the high interest card. It will save you a lot in interest and significantly reduce the time to pay off all your debts. Automatic deductions are a good way to reinforce spending discipline.
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Feb 4, 2016 21:44
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You've had a cash flow problem so I might throw a few hundred of it in an efund with the rest going to your high interest credit cards.
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Feb 4, 2016 22:48
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Devian666 posted:Put it all towards the high interest card. It will save you a lot in interest and significantly reduce the time to pay off all your debts. 10-4, I'll stop treating them like surprise expenses just cuz I forget about them. KYOON GRIFFEY JR posted:You've had a cash flow problem so I might throw a few hundred of it in an efund with the rest going to your high interest credit cards.
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Feb 4, 2016 23:26
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Any other things sitting around that would be worthwhile to sell, while you're thinking about it?
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Feb 5, 2016 01:46
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SpelledBackwards posted:Any other things sitting around that would be worthwhile to sell, while you're thinking about it?
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Feb 5, 2016 17:08
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