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I work in the RV Capital of the World and I wouldn't buy an RV for a thousand dollars. I've seen the engineering on them and holy poo poo, I don't know how people drop the kind of money that they do on those things. People literally do as much redbull and meth as they can before going to work so they can get their piece rates up and make a bigger bonus. Also welcome back!
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Jun 18, 2019 18:13
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Highlight from the last thread: Man people were SO MUCH nicer to KG back in 2016 than he ever deserved. 160 pages in and people are trying to cajole him to stick to any budget - even if it included $1000/month in discretionary spending. What I remember re: the last thread was how often KG would attempt to spend his way to paying down his debt. He'd buy a new PC to save $5/month on streaming services. They financed a brand new car to save money on not having two older less reliable cars. He was definitely going to quit smoking. I think he had some insane $10/day minimart habit buying redbulls/caffeine pills/God knows what else. I can only imagine the mental gymnastics he went through to justify an RV loan at 17% and a $400/month cell phone bill. I don't see any of this changing unless he goes to therapy or gets on some sort of program to change his behaviors. I'm afraid this will just be more shell game similar to what Zaurg has done.
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Jun 18, 2019 18:22
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CornHolio posted:I work in the RV Capital of the World and I wouldn't buy an RV for a thousand dollars. I've seen the engineering on them and holy poo poo, I don't know how people drop the kind of money that they do on those things. People literally do as much redbull and meth as they can before going to work so they can get their piece rates up and make a bigger bonus. Oh yeah I've heard the horror stories. We got very lucky and got a rig that has normal problems (screws coming lose from road vibration, etc) but has actually held up incredibly well. Since I can't do anything with our finances until Friday this is now a picture sharing thread since BloodBag decided to share anyway. *SNIP* Well that's it for now I don't want to kill any 56k connections. Knyteguy fucked around with this message at 23:01 on Jul 11, 2019 |
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Jun 18, 2019 18:51
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Burn this piece of poo poo thread to the ground faster than zaurgs please
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Jun 18, 2019 18:57
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Veskit posted:Burn this piece of poo poo thread to the ground faster than zaurgs please For real. KG wants people to help him/hold him accountable, but when real questions are asked (what was the thought process that led to purchasing the RV at such a bad rate? Why is the loan on the truck so high and what was the actual price?) he just posts a bunch of vacation pictures.
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Jun 18, 2019 19:06
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Now find pictures of elderly people at food banks, photoshop your face on them. Also find pictures of them working at McDonalds / Walmart / etc, and photoshop your face on them too.
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Jun 18, 2019 19:08
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April posted:For real. KG wants people to help him/hold him accountable, but when real questions are asked (what was the thought process that led to purchasing the RV at such a bad rate? Why is the loan on the truck so high and what was the actual price?) he just posts a bunch of vacation pictures. Oh come on April isn't this what's called Concern Trolling? If people wanted to help they'd at least read the thread. There have been questions that would be answered just by reading the relatively short OP. Or is posting a lame cousin Eddie joke really helping now?
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Jun 18, 2019 19:09
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Mocking Bird posted:I like these threads because they always give me the creeping terrors that lead me to make extra car payments and use coupons the next time I go grocery shopping Same, I'm ahead on car payments and boosted my contribution to retirement. I also increased how much of my paycheck goes automatically into a savings account that I forget about, so I have less money to spend on nonsense, and I've learned to live within those adjusted means.
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Jun 18, 2019 19:10
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Knyteguy posted:Oh come on April isn't this what's called Concern Trolling? If people wanted to help they'd at least read the thread. There have been questions that would be answered just by reading the relatively short OP. You seem to only want help that doesn't involve making any changes, evaluating any of your past decisions, or being accountable in any way.
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Jun 18, 2019 19:13
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Knyteguy posted:Oh come on April isn't this what's called Concern Trolling? If people wanted to help they'd at least read the thread. There have been questions that would be answered just by reading the relatively short OP. But... you haven't answered those questions that have been asked repeatedly? The ONLY thing you said about the absolutely ridiculous RV interest rate was "Our credit wasn't that great at the time." You never clarified why you decided to go ahead with that, if you shopped around for a better rate, why you didn't just wait for a while to buy, anything. You haven't said why you needed to finance... how much? 50k-ish? for a truck. You want the thread to help you clean up your many large mistakes, but when you have a habit of "wanted it, bought it, oh well" there's nothing that can be done. When you started the last thread, six years ago, you wanted to save up for a house, but instead, bought a Playstation and a guitar while you still had payday loans. I'm personally not seeing any change other than the size of your bad decisions. But sure, just call me a troll and ignore my point. That'll take you far.
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Jun 18, 2019 19:22
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That looks like a nice vacation. Was it nice enough to be worth 70k + interest? I'd probably do something else with that money but that's just me
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Jun 18, 2019 19:32
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Droo posted:You seem to only want help that doesn't involve making any changes, evaluating any of your past decisions, or being accountable in any way. Well yeah I've got to get out of debt. For real this time. Pondering isn't going to make anything happen; do you know how long I tried to do that? The entire last thread. You guys said 'therapy therapy', I did so (twice, for many months!), my therapist said you're loving fine man, chill out. I just got burned for having a relatively stagnant income, which is false our income has jumped $10,000 from the end of the last thread and $80,000 in the past 10 years; well the last thread convinced me to turn down a $75,000 job with bonuses ($15,000 more than I was making at the time). $33,000 in the past 2 weeks. I need to take care of the drat debt. I want practical advice, I don't need some armchair analyzing goober telling me I'm bipolar for years and the internet making decisions for me. April posted:But... you haven't answered those questions that have been asked repeatedly? I also had like a 430 credit score because emergency medical debt ruined me during the worst recession we've seen in generations. I've had to claw my way out of that, and you guys didn't see that process. Someone criticized me for not knowing the value of a dollar and having it easy - we were below poverty line for years thanks to the recession which hit this city harder than nearly every other in the country. Do you want to know my thought process? Why the 17% was worth it? Well gently caress I hate my city, my non-immediate family life is loving miserable (my mom passed out in her car at the Thanksgiving dinner my wife and I hosted, got a DUI for hitting a fire hydrant at a high school and got arrested in front of me, got another DUI), my cousin (our family on that side has 5 people left including him) nearly died of a heroin overdose, I'm struggling with alcohol and spending to cope with all of it, my wife's family is struggling with drugs and alcohol and pressuring me to do the same, and I need out. I need to get my family away from it. Away from the toxicity in our lives. And hey at least we aren't paying rent and childcare during it. The truck? I like cars. A lot. I've always liked cars. If it wasn't for cars my finances would be in a much better place. I used to run a car forum that was pretty decently sized, even. What's changed? Basically all of it. My family is doing good for the first time in 20 years which has helped my outlook. Why are we here? Because I don't want to make the mistake with a house like we did with the truck, which was spending above our means. I've stopped caring about cars. I've stopped caring about 'stuff' for the most part. Yes negative equity is what bit us in the rear end. Asleep Style posted:That looks like a nice vacation. Was it nice enough to be worth 70k + interest? I'd probably do something else with that money but that's just me Yes, it was.
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Jun 18, 2019 19:44
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Blaming the internet for the dumb choices you have made, well if I didn't want to help before I certainly do now! Also a bunch of us here have been through bad poo poo (myself included) and we didn't let it ruin our finances. Take some ownership my dude.
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Jun 18, 2019 19:49
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My Rhythmic Crotch posted:Blaming the internet for the dumb choices you have made, well if I didn't want to help before I certainly do now! Oh I knew this was coming! I do take full responsibility, but the difference this time around is I'm not trying to win over BFC and have fun with the thread. And I'm very much grain of salting what I hear here, because I learned that from last time. I'm here to get out of debt, and I'm here to get a house or at least find out if we shouldn't, and I'm here to get our finances to a place where I don't need to worry about them in the future. Nothing more, nothing less.
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Jun 18, 2019 19:53
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Knyteguy posted:I need to take care of the drat debt. I want practical advice, I don't need some armchair analyzing goober telling me I'm bipolar for years and the internet making decisions for me. Well, we've established that you need therapy. I'm not going to diagnose you with anything except trauma and poor coping skills (yet), but that is reason enough to go to therapy. Spending stupidly to feel better is as helpful as cutting yourself or getting drunk. Face the feelings you're trying to drown out with movement, novelty, and stuff.
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Jun 18, 2019 19:53
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Knyteguy posted:Well yeah I've got to get out of debt. For real this time. Pondering isn't going to make anything happen; do you know how long I tried to do that? The entire last thread. You guys said 'therapy therapy', I did so (twice, for many months!), my therapist said you're loving fine man, chill out. Oh when bad stuff happens you go on a years-long spending bender but that has nothing to do with planning for the future and 50k because "i like cars" is totes reasonable what were we all thinking. ETA: and you have only clawed yourself into an even worse financial situation, you probably shouldn't be bragging about that.
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Jun 18, 2019 19:54
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Knyteguy posted:Oh I knew this was coming! I do take full responsibility, but the difference this time around is I'm not trying to win over BFC and have fun with the thread. And I'm very much grain of salting what I hear here, because I learned that from last time. I'm here to get out of debt, and I'm here to get a house or at least find out if we shouldn't, and I'm here to get our finances to a place where I don't need to worry about them in the future. Nothing more, nothing less. Okay. Step 1: Learn to use credit responsibly. You have a very, extremely long way to go with this. Step 2: Get into a house or apartment because you're basically homeless. Step 3: Learn to budget wisely. You have a very, extremely long way to go with this. Step 4: Execute the budget. Step 5: Goto 4 You'll be doing that until the day you die because you have no savings and social security will be poo poo by the time we're old. Have fun and good luck.
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Jun 18, 2019 19:57
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wow those pictures were nice.. now.. are they like 3k in interest a year nice? You are and have been spending a nice vacations worth of interest on your truck and trailer every year you do this. Why can't you do anything financial until Friday, did you call a few banks / lenders for an RV loan refinance even if you get it down to 10% you're saving something?
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Jun 18, 2019 20:00
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Bobbie Wickham posted:Well, we've established that you need therapy. I'm not going to diagnose you with anything except trauma and poor coping skills (yet), but that is reason enough to go to therapy. Spending stupidly to feel better is as helpful as cutting yourself or getting drunk. Face the feelings you're trying to drown out with movement, novelty, and stuff. Sure, and that's something I learned on our 'vacation', and frankly in therapy. Also that stuff I wrote was past-tense. As mentioned things are... better than I ever remember them being. April posted:Oh when bad stuff happens you go on a years-long spending bender but that has nothing to do with planning for the future and 50k because "i like cars" is totes reasonable what were we all thinking. I'm sorry but struggling to find a packet of ramen to eat for dinner is not remotely the same as some debt that we could ultimately walk away from. Is it a lot? Yes. Is it the same as going hungry? No. You wanted to know my motivation, I told you. tater_salad posted:wow those pictures were nice.. now.. are they like 3k in interest a year nice? You are and have been spending a nice vacations worth of interest on your truck and trailer every year you do this. One of the posters in page 1 mentioned that loan origination fees and all the other crap needed to refinance makes it very unlikely to be worth it as opposed to just paying it off, and I think that's true. Also it's the beginning of the work week I can't juggle everything at once.
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Jun 18, 2019 20:10
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Knyteguy posted:Do you want to know my thought process? Why the 17% was worth it? Well gently caress I hate my city, my non-immediate family life is loving miserable (my mom passed out in her car at the Thanksgiving dinner my wife and I hosted, got a DUI for hitting a fire hydrant at a high school and got arrested in front of me, got another DUI), [...] I need to get my family away from it. Away from the toxicity in our lives. Then maybe staying in your mom's yard instead of moving into that two bedroom and selling the trailer was a bad idea. If you really want to get away from that stuff, don't let your extended family talk you out of decisions that get your wife and child away from bad things.
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Jun 18, 2019 20:18
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Knyteguy posted:Sure, and that's something I learned on our 'vacation', and frankly in therapy. Also that stuff I wrote was past-tense. As mentioned things are... better than I ever remember them being. "It's in the past, going to be different this time" was a major theme in your last thread. I'm currently over a year in, and you never followed a single budget, were called out repeatedly for knee-jerk decision making, and refused to acknowledge that your impulsive overspending was in fact a problem, because it was always a one-time thing and it was in the past anyway. This is one of my posts from 2015: quote:What I'm harping on is your pattern of behavior, a cycle that seems to go: It doesn't look like anything has changed for you, except that you've decided that the things that made you spend like a moron probably won't happen anymore.
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Jun 18, 2019 20:19
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Knyteguy posted:One of the posters in page 1 mentioned that loan origination fees and all the other crap needed to refinance makes it very unlikely to be worth it as opposed to just paying it off, and I think that's true. Also it's the beginning of the work week I can't juggle everything at once. How quickly do you think you'll be paying this off, are you goign to make the sacrifices necessary to pay it down quickly. I've never financed an RV so I have no clue about origination fees etc on that kind of loan. I'm assuming it's something like a vehicle payment where I can get a new loan that pays off the previous one without fees. I don't honestly know if the same is true about RV loans.
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Jun 18, 2019 20:34
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Knyteguy posted:
Did you do any research on this, crunch and compare any numbers, or just decide that since that one guy on the internet said it might not be worth it that it probably isn't?
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Jun 18, 2019 20:38
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April posted:Did you do any research on this, crunch and compare any numbers, or just decide that since that one guy on the internet said it might not be worth it that it probably isn't? that sounds hard.. maybe next week?
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Jun 18, 2019 20:46
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Inept posted:Then maybe staying in your mom's yard instead of moving into that two bedroom and selling the trailer was a bad idea. If you really want to get away from that stuff, don't let your extended family talk you out of decisions that get your wife and child away from bad things. Maybe it is a bad idea, I don't know. I am taking advantage of it until a point when that's no longer viable. My sister has lived with my mom for 5 years and there's been a fuckload of tension, but she's never been truly kicked out. If it wasn't for my sister saying my mom was good then I wouldn't have come back from Texas. We were apartment shopping in Dallas 6 months ago. April posted:"It's in the past, going to be different this time" was a major theme in your last thread. I'm currently over a year in, and you never followed a single budget, were called out repeatedly for knee-jerk decision making, and refused to acknowledge that your impulsive overspending was in fact a problem, because it was always a one-time thing and it was in the past anyway. Honestly I don't know if it's different yet. But I am trying again. tater_salad posted:How quickly do you think you'll be paying this off, are you goign to make the sacrifices necessary to pay it down quickly. 4-5 months. Earlier if we sell ASAP. Possibly as soon as August in that case. That means we're stuck in a bedroom, but I can deal with that for a little bit. My sacrifice is living in this drat RV. It's 93 degrees out and I'm sweating my balls off right now so we don't have to pay $1,500 a month plus a deposit. April posted:Did you do any research on this, crunch and compare any numbers, or just decide that since that one guy on the internet said it might not be worth it that it probably isn't? I haven't. However my credit score will shoot up after getting the credit cards paid off on Friday, so really Friday is the day I'm waiting on. I will call the loan originator? whatever the term is. The bank who financed us and just shoot for a homerun of hey will you drop the interest rate.
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Jun 18, 2019 20:49
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You don't need a credit score update to call and ask a couple banks "what are your fees associated with a loan to refinance an RV"
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Jun 18, 2019 20:51
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The bank is not going to just drop the rate. They aren't. It's in your contract. They may refinance it, but again,that's a whole new loan.
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Jun 18, 2019 20:52
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Knyteguy posted:My sacrifice is living in this drat RV. It's 93 degrees out and I'm sweating my balls off right now so we don't have to pay $1,500 a month plus a deposit. This was also a running theme last time - you would go on about all the sacrifices you were already making, to justify the new expensive thing you wanted, when 99% of the time, the "sacrifices" were just the expected results of prior bad decisions (ie - a tiny apartment with two people and five pets and no clothes dryer smelling bad). You CHOSE the RV. You CHOSE the massive loan for a generic pickup truck. And now, you have an RV and a ridiculous truck loan. It's not a sacrifice, it's exactly what you wanted, until you didn't. Deciding you no longer like what you previously HAD to have isn't a noble act of sacrifice.
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Jun 18, 2019 20:58
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April posted:This was also a running theme last time - you would go on about all the sacrifices you were already making, to justify the new expensive thing you wanted, when 99% of the time, the "sacrifices" were just the expected results of prior bad decisions (ie - a tiny apartment with two people and five pets and no clothes dryer smelling bad). This is catch-22. He asked what I'm doing to make sure we can pay this drat thing off and that's what I'm doing. What else could I possibly do? Following that budget isn't a sacrifice it's a necessity in my mind. sheri: alright well I'll call my credit union and start there to see fees if any, etc. I thought it would take a credit check to get info.
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Jun 18, 2019 21:00
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I'm awfully curious whether that RV loan is on a secured basis. Did the creditor get that rate of interest _and_ a lien on the vehicle?
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Jun 18, 2019 21:03
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sheri posted:You don't need a credit score update to call and ask a couple banks "what are your fees associated with a loan to refinance an RV" This, plus your score doesn't always shoot up immediately. When I check my scores, the info is always a couple of months old.
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Jun 18, 2019 21:04
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Knyteguy posted:I need to take care of the drat debt. I want practical advice, I don't need some armchair analyzing goober telling me I'm bipolar for years and the internet making decisions for me. I think the exact thing you need is someone to make decisions for you, because the ones you make are quite frankly ridiculous. I am honestly not even sure what to type first because your situation is so screwed up but here are things I would be doing in your shoes. 1. Get away from your moms house. You say a bunch of times that your family life is crazy and you living in their yard with 4 people in an RV and your sister and mother and god knows who else is some Jerry Springer poo poo. You say that both you and your wife have mental health issues and being around your crazy family can't possibly be a good thing for any of you. 2. Figure out a way to replace the truck and RV with a used minivan and apartment. You haven't provided details as far as I know about your truck equity (lol) and I don't know if you can even sell a well used RV at all, but maybe you can get ditch it before burning man like you said which is in 2 months for something close to a decent price. 3. Look for a new job. You may want to do this before finding an apartment, but it would also be fine to look after you get settled locally since your city is so small. You seem to still be underpaid, especially considering how much the job market has changed over the last 5 years. 4. As far as money, stop buying anything and pay off the credit card and then the RV. This is obvious from the rates but also paying off the RV allows you to get rid of it whenever you want and rejoin the rest of regularly-bathing society ASAP. 5. Stop smoking. Fix your phone bill. Seriously WTF is even happening there.
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Jun 18, 2019 21:08
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Jun 18, 2019 21:17
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i made that for zuarg and forgot to replace the horse but im keeping it as a reminder to the path you're on
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Jun 18, 2019 21:18
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Knyteguy posted:The entire last thread. You guys said 'therapy therapy', I did so (twice, for many months!), my therapist said you're loving fine man, chill out. Knyteguy posted:I'm struggling with alcohol and spending to cope with all of it, my wife's family is struggling with drugs and alcohol and pressuring me to do the same, and I need out. I need to get my family away from it. Away from the toxicity in our lives. And hey at least we aren't paying rent and childcare during it.  Knyteguy posted:So we're basically on the same page here. Your numbers are pretty comparable to what I'm getting as well. You are r/vanliving with a high 5 figure income. You are not on the same page with anyone here. It's not that complicated. 1. Get stable accommodations 2. Minimize interest and fees 3. Spend LESS than you earn Personal finance does not care about your love of cars, or your excuses. Who cares about quitting $100 smoking if you're gonna blow your load on a rapidly depreciating, fuel burning asset.
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Jun 18, 2019 21:18
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Knyteguy posted:Sure, and that's something I learned on our 'vacation', and frankly in therapy. Also that stuff I wrote was past-tense. No, you wrote "I'm struggling" and "I'm spending," which are in the current tense. I'm glad you've done some therapy already, but it's well past time to go back. Your family is not a good influence on your decisions, and living with them in this manner is also unhealthy. You're in a rather precarious living situation, which you both acknowledge and wave away. "It'll be fine until it isn't" is how messed-up people cope with their lives: unable to envision a better future, unable to plan for a better future, mired in depression/self-doubt/anxiety/plain stupidity, resigned to just letting things happen. I know, I've been there; I spent a good chunk of my twenties burning through considerable money in an attempt to drown out my dysfunction and unhappiness. I even spent a fair amount of that money on traveling, like you. And I thought that all of that stuff would suffice for therapy and getting myself together, too. It was not. Same in your case. There's nothing special or unique about you that you wouldn't benefit from a good counselor, like the 99.999999999999999% of people in your position.
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Jun 18, 2019 21:22
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Jun 18, 2019 21:29
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did you seriously spend like sixty five large on a F-150 because u liek car goddamn man
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Jun 18, 2019 21:30
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I was just reading the portion of the thread where you had the 'opportunity' to make $15k more in a job that was clearly a toxic workplace. It was going to tack on a huge commute and increase your childcare expenses. The guy hiring you thought it was obscene anyone get more than 1 week vacation and 1 week sick time. From the thread it seemed like you interviewed for one or two jobs and then just flung up your arms and decided it was too hard. Have you tried hunting for jobs since then? Are you still working for the same guy you were when you started the thread? What make/model/year is the truck? Is it the 2014 F150? How on earth did you get $45k into debt for that? You'd be lucky to get $15k for your RV and $25k for your truck. In the ideal world, you pay down the RV quickly enough that you can sell it and take the funds from the sale and get an apartment. Gonna be kinda hard to sell an RV that you're living in and is full of your crap. Get the 'principle' down to 10k and you might be able to pull it off. You know how to fix your situation, but I'm guessing that you're still hoping there is *~One Weird Trick~* to solving your debt without changing any of your behaviors. The closest thing to that would be to get a much higher paying job, and continue to spend like you're making half of it. Does your wife know or care about how hosed your finances are?
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Jun 18, 2019 22:08
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hey knyteguy here's some help because at the ripe old age of 33 you still haven't quite figured out all of adulting yet people are asking you pointed questions about things like why you financed an rv at 18% or why you financed upwards of $60k on an at most $48k truck because these decisions are way more impactful than anything you can do with budgeting and if you can't look at these decisions and introspect about their importance and impact and how you can fix your sad deluded broke brain you're going to keep making them also your sad deluded broke brain will prevent you from looking at the uncomfortable truth of this semi-earnest post so you'll keep making the same stupid mistakes that you have been for the past decade and will keep posting about them so that I can keep pointing and laughing at your sad deluded broke brain and be happy that i've got a sad realistic only half-broke brain. HA HA
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Jun 18, 2019 22:10
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