Author Topic: Have you ever made a budget, only to realize you're spending too much?  (Read 1835 times)

Walter Sobchak

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Re: Have you ever made a budget, only to realize you're spending too much?
« Reply #25 on: August 12, 2016, 06:39:52 PM »
I've been writing down my expenses on a excel sheet in my phone. Turns out I'm spending too much on trivial things.

If you ever asked yourself where your money did go, try writing it down.



PD: My gf and my mom laughed at me for doing this, ha! I still think it's a great tool to help you save money

PD2: bodybuilding related, you may be speending too much on suplements!

I can vouch for this.

When his girlfriend was over for an ATM session the other night, every time she came up for air she would laugh at this phaggot cuck.

Tapeworm

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Re: Have you ever made a budget, only to realize you're spending too much?
« Reply #26 on: August 13, 2016, 12:52:42 AM »
No need for me.  I'm already as miserly as a Dickensian curmudgeon.  When the ghost of christmas past turned up, I borrowed his pen and 'forgot' to return it.  I dress like a hobo who had his good clothes stolen by another hobo.  I rewaterproofed my boots by smearing them with lard and melting it in with a heat gun.  Cost about $1, super effective, and is good for the leather.  I'm sitting here in a jacket that I literally got by pulling over and picking up off the side of the road, and it looks like that, so don't talk to me about saving money.  

Later today I'm going to dissolve $1 worth of silicone in $1 worth of mineral spirits and waterproof it as per youtube instructions.  This is a test since I may do the same to my $350 Carhartt jacket... which is cordura nylon and durable and made by the honest hardworking native peoples of Camfuckingbodia but isn't waterproof, or water resistant, or anything like what was claimed about it, which I proved the other evening while bypassing the government mandated, costly, and totally unreliable vehicle immobilizer fitted to my van's ignition.  Nor are the $200 Storm Defender absolutely 100% guaranteed waterproof (but not) pants of Mexican origin.  This happens often and I'm sure others have found it to be so.  There's no necessary correlation between cost and quality, which can be vexing.  I am in negotiations with Carhartt, despite my being inconveniently located outside the continental and contiguous United States, which makes things complicated what with all the dragons.

But I may have digressed.  The point is that I don't have to make a budget.  Not because I'm cheap, although I am, but because I'm so pathologically boring that money just doesn't get spent like it would by someone normal.

HTexan

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Re: Have you ever made a budget, only to realize you're spending too much?
« Reply #27 on: August 13, 2016, 05:52:15 AM »
Yep, I do this as well. Just set up your autopay to pay the remaining balance and don't be stupid about spending. I've got the Citi business card through Costco and get 4% back on already cheap gas there. That alone makes it a good deal for me plus it's 2-3% back on pretty much everything else.
Are you a Vet? Bases are the best places to save money.
A

Irongrip400

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Re: Have you ever made a budget, only to realize you're spending too much?
« Reply #28 on: August 13, 2016, 06:50:39 AM »
Simple math. Money spent can't be more than money earned. I use credit cards all the time and just pay them off monthly, and reap the rewards. I put away money for retirement and pay extra on my mortgage. I'm on a 15 year note and will have it paid off in less than ten.  I do spend on myself at times, just nothing more than I can afford. I also, like someone else said, have a separate slush fund that can pay ten months of bills. I hope I'll never need it, but just in case, and I don't touch it under any circumstances. Fact is, most people live above their means, for whatever reason. I'm sure I could've gotten approved for a house three times as expensive as what I have, but I have no desire to be house poor. I live in a good neighborhood with good schools, which having kids makes it more important to me.

HTexan

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Re: Have you ever made a budget, only to realize you're spending too much?
« Reply #29 on: August 13, 2016, 08:13:24 AM »
Simple math. Money spent can't be more than money earned. I use credit cards all the time and just pay them off monthly, and reap the rewards. I put away money for retirement and pay extra on my mortgage. I'm on a 15 year note and will have it paid off in less than ten.  I do spend on myself at times, just nothing more than I can afford. I also, like someone else said, have a separate slush fund that can pay ten months of bills. I hope I'll never need it, but just in case, and I don't touch it under any circumstances. Fact is, most people live above their means, for whatever reason. I'm sure I could've gotten approved for a house three times as expensive as what I have, but I have no desire to be house poor. I live in a good neighborhood with good schools, which having kids makes it more important to me.
Good schools are important with kids.
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_bruce_

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Re: Have you ever made a budget, only to realize you're spending too much?
« Reply #30 on: August 13, 2016, 08:13:32 AM »
I think people understimate the power of interest.

A uncle in law bought a new 25,000 Nissan on credit. $4000 right off the bat and $600 a month, during 5 years. When you do the math... oh boy, he ended up paying 40,000.  :-\

Adjusted for inflation, those $25,000 would be the equivalent to $29,000 not 40 grands.  :-X



It's called theft.
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