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re: 78 % of non-OT members live paycheck to paycheck
Posted on 5/17/18 at 4:34 pm to Mingo Was His NameO
Posted on 5/17/18 at 4:34 pm to Mingo Was His NameO
quote:well he is.... he has a budget to live on.... and he spends that every month. you just sound like an a-hole
Then you don't live paycheck to paycheck. Are you dumb or trying to brag?
This post was edited on 5/17/18 at 4:35 pm
2
Posted on 5/17/18 at 4:34 pm to Will Cover
quote:
$1,000 emergency room visit.
Damn, they're living pay check to paycheck AND have shitty health insurance.
quote:
how many of you do a monthly budget and have every dollar that you're expected to earn allocated to an expense
Yep.
Posted on 5/17/18 at 4:34 pm to Will Cover
The latest iPhone isn't cheap.
Posted on 5/17/18 at 4:37 pm to CarRamrod
I think he means that living paycheck to paycheck doesn't mean you have enough for retirement savings.
Posted on 5/17/18 at 4:38 pm to dukeg
quote:
Because you have people who have a combined income of 100k living in $300,000 homes and driving $50,000 vehicles.
A home at that price isn't the problem for people who have planned for it. The vehicles are the problem.
Posted on 5/17/18 at 4:38 pm to CarRamrod
quote:
well he is.... he has a budget to live on.... and he spends that every month
No he doesn't he specifically said he put it into retirement accounts and savings, plainly stating he quite literally doesn't live paycheck to paycheck. Having a budget doesn't equal living paycheck to paycheck.
Posted on 5/17/18 at 4:39 pm to SPEEDY
quote:
January 2017 survey from Bankrate found that nearly 60 percent of the 1,003 Americans surveyed said they couldn't cover the cost of a $500 car repair or a $1,000 emergency room visit.
lawd, really makes me feel bad mailing off that $500 i owed my bookie this morning. T
Posted on 5/17/18 at 4:39 pm to dbeck
quote:
I'm saving up to buy a tattoo.
Solid investment. They can never take that away from you
Posted on 5/17/18 at 4:39 pm to Will Cover
I have quarterly excel sheets did that are within 5% of my actual expenditures.
My SO thinks I'm crazy but its the only way my arse is going to buy the house I want lol.
My SO thinks I'm crazy but its the only way my arse is going to buy the house I want lol.
Posted on 5/17/18 at 4:41 pm to Will Cover
quote:
nearly 60 percent of the 1,003 Americans surveyed said they couldn't cover the cost of a $500 car repair
Guess I'm doing better than I thought.
Posted on 5/17/18 at 4:42 pm to Freauxzen
I can picture you scowling at families in airports having no clue what their financial situation is.
I'm guilty of not doing this. I'm single and don't have any bills, both cars are paid for so I make way more than I spend. But I need to start budgeting my income.
quote:
how many of you do a monthly budget and have every dollar that you're expected to earn allocated to an expense
I'm guilty of not doing this. I'm single and don't have any bills, both cars are paid for so I make way more than I spend. But I need to start budgeting my income.
This post was edited on 5/17/18 at 4:48 pm
Posted on 5/17/18 at 4:43 pm to eScott
How dare that family save up and pay for a vacation. They should be working, dammit.
Posted on 5/17/18 at 4:45 pm to Will Cover
quote:
By a show of honest hands, how many of you do a monthly budget and have every dollar that you're expected to earn allocated to an expense before it goes back out the window?
I budget for every pay period. Usually about 6-12 months out. Every dollar I make or expect to make during that time.
I have a fairly elaborate Excel spreadsheet with some macros and nested functions that run automatic calculations when I enter numbers into certain cells. I also run projections on savings and bill/credit balances. I started doing this my senior year of school while I had an internship and made very little money.
I have different tabs in that spreadsheet to track vacations, my car purchase, Christmas gifts, and whatever else comes up.
My autism kicks in bigly when I start managing money.
Posted on 5/17/18 at 4:47 pm to Mingo Was His NameO
quote:
Are you dumb or trying to brag?
Living in a fiscally responsible fashion is neither brag worthy or dumb polesmoker. The fact that you think it is brag worthy is noted.
Posted on 5/17/18 at 4:48 pm to 50_Tiger
quote:
My SO thinks I'm crazy but its the only way my arse is going to buy the house I want lol.
Mine jokes with me about my spreadsheets. "Why don't you drop that into your spreadsheets and see what comes out."
That's the only way I can keep track of everything.
She manages her own money and I'm perfectly fine with that. Her system is chaotic as hell but she keeps up with everything and has a good credit score so I'm good with it.
Posted on 5/17/18 at 4:49 pm to Pecker
I’d love to see it, want to email it?
mytigerdroppingsemail@gmail
mytigerdroppingsemail@gmail
This post was edited on 5/17/18 at 4:58 pm
Posted on 5/17/18 at 4:51 pm to Pecker
quote:
Mine jokes with me about my spreadsheets. "Why don't you drop that into your spreadsheets and see what comes out."
That's the only way I can keep track of everything.
She manages her own money and I'm perfectly fine with that. Her system is chaotic as hell but she keeps up with everything and has a good credit score so I'm good with it.
Lol mine (while getting much much better) is less autistic in her approach but she does allow me to help her with money-related issues. Just in baby steps.
Posted on 5/17/18 at 4:54 pm to Will Cover
Saving is not a priority for many people. But those same people have the iPhone X. Priorities are fricked.
Posted on 5/17/18 at 4:54 pm to dbeck
quote:
I get paid every 2 weeks and I haven't even cashed my last 3 checks.
I'm saving up to buy a tattoo.
Don't have direct deposit?
Posted on 5/17/18 at 4:57 pm to Powerman
With direct deposit and auto payments, I don't worry about shite. I just keep on L-I-V-I-N.
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