The most prestigious law school admissions discussion board in the world.
|
 |
 
|
I am in extremely deep financial trouble
Poast new message in this thread
Date: September 28th, 2022 4:36 AM Author: bistre mind-boggling house legal warrant Simply do not make enough money to keep up. Getting snowed over. My family is losing the fight. |
Date: September 28th, 2022 4:40 AM Author: thriller church building boistinker How'd you afford that trip to Cali? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45242979) |
 |
Date: September 28th, 2022 4:50 AM Author: bistre mind-boggling house legal warrant I placed it on a credit card. But, since my trip to Cali, I've had to pay for things like my mother's divorce, a trip to the midwest fro my family, a new lawnmower, a bunch of medical bills. It all adds up and I am going insane. I should be sleeping at this hour but I can't because I am starting to lose it. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45242988) |
|
Date: September 28th, 2022 4:51 AM Author: thriller church building boistinker Go into work early so you can get off early and play with your kids. They don’t care how much money is in your bank account. Or failing that please go represent Germany in my languishing model UN thread (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45242991) |
|
Date: September 28th, 2022 4:52 AM Author: bistre mind-boggling house legal warrant No. My wife insists that I help her get the kids in the car. She leaves at like 0645. This means that I face the worst traffic on the way to work and the worst traffic on the way home. It has started to really affect me. I am so unhappy. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45242994) |
|
Date: September 28th, 2022 4:53 AM Author: thriller church building boistinker Tell her. Or online model UN could be a good way to manifest your stress and depression (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243001) |
|
Date: September 28th, 2022 4:55 AM Author: bistre mind-boggling house legal warrant I think, speaking for the people of the German Reich, that it is time to free Koenigsberg from her bondage and bring her back into to fold.
|
|
Date: September 28th, 2022 4:56 AM Author: thriller church building boistinker That’s not related to the prompt in the thread but no one else is taking it seriously at all :( (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243011) |
|
Date: September 28th, 2022 4:59 AM Author: bistre mind-boggling house legal warrant Any agreement may be modified. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243017) |
|
Date: September 28th, 2022 4:59 AM Author: thriller church building boistinker Tell that to your credit card (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243019) |
|
Date: September 28th, 2022 8:25 AM Author: naked bat-shit-crazy faggotry hospital (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243302) |
|
Date: September 28th, 2022 8:26 AM Author: bistre mind-boggling house legal warrant Still working on getting AmEx to cave and credit back my fees. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243304) |
|
Date: September 28th, 2022 10:58 AM Author: Sexy athletic conference I did (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244070) |
|
Date: September 28th, 2022 10:10 AM Author: Massive Appetizing Deer Antler Explain this to her (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243787) |
|
Date: September 28th, 2022 10:17 AM Author: Multi-colored nursing home the morning routine fucks me up too.
i have to get the older kids up and fed. and do the same with my 3 year old twins who i then have to drive to pre-school.
wife leaves for work just as everyone else is waking up.
luckily i have my MIL who is a huge help.
My wife then starts hounding me to come home at 5:01. |
|
Date: September 28th, 2022 5:35 AM Author: khaki dragon address Cum stay with me for free. My drunk wife is diving into the pool rn. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243090) |
|
Date: September 28th, 2022 9:13 AM Author: beady-eyed bearded base you will get through it (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243409) |
|
Date: September 28th, 2022 9:21 AM Author: bistre mind-boggling house legal warrant Thanks bro. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243453) |
|
Date: September 28th, 2022 10:16 AM Author: Multi-colored nursing home out the lawnmower. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243817) |
|
Date: September 28th, 2022 11:16 AM Author: bistre mind-boggling house legal warrant Green works 21” cordless lawn mower. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244161) |
|
Date: September 28th, 2022 12:13 PM Author: Multi-colored nursing home looks nice. do you like it? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244504) |
|
Date: September 28th, 2022 1:13 PM Author: bistre mind-boggling house legal warrant It has not yet arrived. I also haven't attempted to do lawn mowing in a long time. We will see how this goes. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244936) |
|
Date: September 28th, 2022 1:30 PM Author: Multi-colored nursing home how big is your yard? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245052) |
|
Date: September 28th, 2022 1:39 PM Author: bistre mind-boggling house legal warrant It's way more than I want to cut. I think my survey says it's right at 0.3 acre. But it seems like a lot. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245126) |
|
Date: September 28th, 2022 4:50 AM Author: laughsome parlor man the fuck up, dude (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45242989) |
|
Date: September 28th, 2022 4:52 AM Author: bistre mind-boggling house legal warrant I am trying. What should I be doing. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45242995) |
|
Date: September 28th, 2022 5:08 AM Author: provocative dysfunction Sex with men for money? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243043) |
|
Date: September 28th, 2022 5:11 AM Author: bistre mind-boggling house legal warrant I just need to find the money. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243054) |
|
Date: September 28th, 2022 5:18 AM Author: provocative dysfunction The idea is that you have sex with men and then they give you money. Just in case that was unclear. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243073) |
|
Date: September 28th, 2022 5:19 AM Author: bistre mind-boggling house legal warrant Okay, but how do I go out and make a market for this kind of activity. Do I just kind of hang a sign around my neck that stays "Will Squeal Like Pig $$$"? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243075) |
|
Date: September 28th, 2022 5:22 AM Author: provocative dysfunction Sign up as a sugar baby on SA and say that you are interested in men. Or just hang a sign around your neck that says, "Will Squeal Like a Pig (or Suck Cock or Take It In The Ass) for $$$." (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243079) |
|
Date: September 28th, 2022 10:11 AM Author: Massive Appetizing Deer Antler Lol (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243792) |
|
Date: September 28th, 2022 5:36 AM Author: khaki dragon address TY (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243091) |
|
Date: September 28th, 2022 3:28 PM Author: cocky gunner associate Wait, what? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245845) |
|
Date: September 28th, 2022 5:16 AM Author: laughsome parlor to start, you should avoid being a fagg0t (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243063) |
|
Date: September 28th, 2022 5:17 AM Author: bistre mind-boggling house legal warrant How? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243068) |
|
Date: September 28th, 2022 5:18 AM Author: laughsome parlor poasting isn't healthy for you, so quitting the great bort for a while is a good idea (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243071) |
|
Date: September 28th, 2022 5:19 AM Author: bistre mind-boggling house legal warrant Okay, I should retire then? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243076) |
|
Date: September 28th, 2022 6:19 AM Author: laughsome parlor pls do (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243145) |
|
Date: September 28th, 2022 5:29 AM Author: marvelous brunch arent u a furking millionaire (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243086) |
|
Date: September 28th, 2022 5:31 AM Author: bistre mind-boggling house legal warrant Tommy, I am in the same boat as you. Assets have easily declined below $1m since mid-September. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243088) |
|
Date: September 28th, 2022 5:50 AM Author: marvelous brunch lol thats stil like top 10% for US, ur prob is having a wife and kids and u are a GOY so spend too much money, i have no issues though it sucks being down 400k but im literally living in a $19 hotel right now so i dont care (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243104) |
|
Date: September 28th, 2022 5:53 AM Author: bistre mind-boggling house legal warrant Did you ever comment on my spending? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243108) |
|
Date: September 28th, 2022 5:57 AM Author: marvelous brunch i missed that or cannot recall other than it was typical goy outrageous shit (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243114) |
|
Date: September 28th, 2022 5:58 AM Author: bistre mind-boggling house legal warrant http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202391 (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243116) |
|
Date: September 28th, 2022 6:02 AM Author: marvelous brunch its insane to me ppl spend so much on childcare in US
unless ur wife is making bank she shld stay the furk home
grocery budget seems wild but i have no idea since i eat out every meal in asia for $10 a day, but lots of prowls claim they spend like $200 a month on food
utilities is just lolzy
dining out is whatever but if u really are broke u shldnt be going to anything
i never ever pay for fuking CC's, wtf are u paying over 1k a year for a credit card, jfc goy
general merch is shit ur frking wife buys she doesnt really need, dont let her buy shit
|
|
Date: September 28th, 2022 6:08 AM Author: bistre mind-boggling house legal warrant My wife brings home about $2900/mo in bacon. Groceries are insane in the USA. No idea how to improve this. Utilities are lulzy, but there's nothing you can do. You have no control over utilities and they are just charging like crazy. We really do try to limit dining out, but you go places and we have kids and life is hard. $95 is once a year, and I get cash back, so it's one of those spend some to get some back type things. Not a great deal and probably not worth it. Kids need crap for school I guess. Wife just buys it. She spent over $655 on Amazon just last night. Buying toothbrushes and god knows what. People don't seem to understand how hard it is to live a minimalist lifestyle when you have kids and a house and so many people in your fucking pocket. I can't get any rest. I don't want any of this crap, but I can't throw up my hands becasue of other people. |
|
Date: September 28th, 2022 6:19 AM Author: marvelous brunch lol jfc there is no reason for ur wife to work, she brings in an extra like 500usd once u pay for childcare? thats not worth it jfc at feminazism
|
|
Date: September 28th, 2022 10:16 AM Author: Massive Appetizing Deer Antler Mfcr (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243821) |
|
Date: September 28th, 2022 2:21 PM Author: Indigo nowag gas station (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245411) |
|
Date: September 28th, 2022 11:17 AM Author: flatulent garrison (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244168) |
|
Date: September 28th, 2022 11:31 AM Author: vivacious grizzly skinny woman stead All that stress, drop off / pick up / making lunches and washing lunchbox and containers, some min wage strangers raising them for 40 hours/week… for $500/month and for wife to have some job or “career.” Ridiculous. Maybe worth it for 10x that.
This is not anti-disco fries. I feel for him. Lots of bros have to deal with this. At least he’s in the black on this (although certainly not when factoring in externalities). |
|
Date: September 28th, 2022 6:19 AM Author: marvelous brunch yes having a family in US is TTT as furk, and u are a goy so its just 5x worse (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243146) |
|
Date: September 28th, 2022 8:09 AM Author: medicated menage roommate your child care expenses are post-tax. not clear if your wife's comp is gross or post-tax. only reason it makes sense for your wife to work is if you think she is building skills that will build (and allow for further wage growth after kids are older). i get that this is probably a hard thing to change now though. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243259) |
|
Date: September 28th, 2022 8:14 AM Author: bistre mind-boggling house legal warrant She brings home $2900 a month. We have her paying for herself and kids med insurance premiums (but lol at that it covers nothing), maybe $6k pa to her pension, then $20,500 pa to her 457b. So there are savings there. Kids cost a lot, but we get a $1200 tax credit on that childcare, which is a discount. |
|
Date: September 28th, 2022 8:25 AM Author: medicated menage roommate i see, ty, that all does make sense. if it's 457b does that mean her job is fairly chill at least? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243303) |
|
Date: September 28th, 2022 8:26 AM Author: bistre mind-boggling house legal warrant Lol no. Not at all. There's an insane risk of death in the workplace in her field. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243305) |
|
Date: September 28th, 2022 8:33 AM Author: medicated menage roommate :( (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243317) |
|
Date: September 28th, 2022 9:20 AM Author: exhilarant rose stage tell us about her life insurance coverage. would workplace injuries introduce an opportunity for cslg to help? i'm seeing an opening here (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243444) |
|
Date: September 28th, 2022 9:21 AM Author: bistre mind-boggling house legal warrant Most likely not. It is complicated. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243451) |
|
Date: September 28th, 2022 9:24 AM Author: exhilarant rose stage pretty sure solving complex legal problems at the intersection of workplace injury and financial ruin is why you need m*******law.com (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243470) |
|
Date: September 28th, 2022 11:19 AM Author: overrated azn indirect expression Lol does she work in an insane asylum? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244177) |
|
Date: September 28th, 2022 12:11 PM Author: medicated menage roommate prison, sanitation, police, fire. idk what else (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244482) |
|
Date: September 28th, 2022 12:13 PM Author: wild trailer park generalized bond she probably teaches 4th grade at a big city public school (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244499) |
|
Date: September 28th, 2022 5:50 AM Author: Jet-lagged location I have like 4k in the bank account ur fine dude (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243105) |
|
Date: September 28th, 2022 4:47 PM Author: Adventurous chad really tough guy cr lmao (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246337) |
|
Date: September 28th, 2022 5:36 AM Author: khaki dragon address 1MM in Biden's America is peanuts, son. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243092) |
|
Date: September 28th, 2022 5:51 AM Author: marvelous brunch In Nguyen's Asia its yuge, nigga (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243106) |
|
Date: September 28th, 2022 6:17 AM Author: khaki dragon address 180 (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243138) |
|
Date: September 28th, 2022 5:47 AM Author: Bisexual french chef You're a nice guy and a great poster in most ways but you don't take advice on the weightloss front so why would you on the financial front? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243100) |
|
Date: September 28th, 2022 5:59 AM Author: bistre mind-boggling house legal warrant I do take weight loss advice. It's just hard. I will take financial advice too. I am sliding into proledom. I can't do that! Please HALP! |
|
Date: September 28th, 2022 6:10 AM Author: Bisexual french chef Okay, the basic formula for financial survival/success is your after-tax income has to exceed your expenses. Then, your leftover savings after expenses should be invested in stocks and real estate and left to grow over many many years such that you can ignore short-term market fluctuations.
If your expenses are greater than your income you have to reduce your expenses or increase your income. "Duh", you'll say, but it's just a fact. Why do you need almost any expenses at all? Most fun and beneficial activities for kids are free. Parks, forests, trails, watching movies at home etc. Of course you need housing, utilities, transportation and food, but beyond that you shouldn't need to be spending much money. Those things are all roughly set at the "market rate" for your area, such that the typical person making a typical salary pays a typical amount. You shouldn't be heavily underwater on these core expenses unless you are making much less than the typical earners in your area or spending much more than them.
Could you move somewhere that has a better income-to-expense relationship for you? Could you do legal work remotely from somewhere that's less expensive but still beautiful and enjoyable? There are tons and tons of beautiful, safe, inexpensive communities around the US like the coast of Maine, the coast of Oregon, northern Michigan etc., they just aren't in major metros so you have to hustle more to make money.
Anyway the income:expenses equation is the key starting point for analysis of your financial problems. |
|
Date: September 28th, 2022 8:14 AM Author: dashing whorehouse Moving is probably a bad financial move w interest rates at 7% (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243266) |
|
Date: September 28th, 2022 8:18 AM Author: bistre mind-boggling house legal warrant Let me just say that there are zero trails or nature or access to anything resembling a fresh break from hellscape in my town. Also, it doesn’t really matter anyway. I spend basically all daylight hours commuting or at work and not in my shit house. Now I’m going to have to spend basically all hours at home doing yard work because I can’t find anyone to source that too. Yard work also makes me break out in hives and I’m allergic to everything. I know that this probably makes me sound weak, but I hate the fucking yard. |
|
Date: September 28th, 2022 9:08 AM Author: naked bat-shit-crazy faggotry hospital Dont you have a two parent household and still spend 3k per month on childcare? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243396) |
|
Date: September 28th, 2022 9:11 AM Author: wild trailer park generalized bond He has 4 kids and both him and his wife work in an office. That’s actually kind of cheap. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243404) |
|
Date: September 28th, 2022 9:12 AM Author: bistre mind-boggling house legal warrant Oh yea. We both work though. It's insane. We are always stressed out and the daycare frequently sends our kids home with one ailment or another. It's a huge mess. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243406) |
|
Date: September 28th, 2022 10:18 AM Author: Massive Appetizing Deer Antler This thread is a phenomenal advertisement for any alternative to modern urban life. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243830) |
|
Date: September 28th, 2022 11:16 AM Author: flatulent garrison (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244167) |
|
Date: September 28th, 2022 12:44 PM Author: Stimulating Chapel (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244749) |
|
Date: September 28th, 2022 10:59 AM Author: Sexy athletic conference Can't wait for tomorrow's update brother (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244075) |
|
Date: September 28th, 2022 6:06 AM Author: Aqua stag film (the united states of america) (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243120) |
|
Date: September 28th, 2022 6:08 AM Author: autistic motley church Good way to enter a recession imo. Hair of the dog (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243125) |
|
Date: September 28th, 2022 8:15 AM Author: primrose philosopher-king sup, zzz? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243271) |
|
Date: September 28th, 2022 8:28 AM Author: Maize swashbuckling giraffe forum Inflation, man. Now imagine you made $50k. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243309) |
|
Date: September 28th, 2022 8:49 AM Author: razzle-dazzle point Are you jewish? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243342) |
|
Date: September 28th, 2022 8:52 AM Author: bistre mind-boggling house legal warrant No brother, my kind are among the goyim. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243346) |
|
Date: September 28th, 2022 9:10 AM Author: Multi-colored nursing home IIRC you make good money brother. Does your wife work or no? How old are your kids? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243399) |
|
Date: September 28th, 2022 9:12 AM Author: bistre mind-boggling house legal warrant 7, 5, 3, 0 Wife works. |
|
Date: September 28th, 2022 9:24 AM Author: Multi-colored nursing home i don't understand how you are strapped financially then. I can't imagine you struggle to make ends meet. Are you just not saving as much as you'd like? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243472) |
|
Date: September 28th, 2022 5:15 PM Author: cocky gunner associate This is a really rough stage of parenthood. It will get better. In 20 years I'm told you will look back fondly and miss this time but it certainly doesn't feel like it now. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246458) |
|
Date: September 28th, 2022 8:53 PM Author: Multi-colored nursing home (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45247529) |
|
Date: September 28th, 2022 9:25 AM Author: Bisexual french chef You should sell all your assets, convert them into cryptos/tether, take out large amounts of loans and then flee the country. Also consider faking your own death for the insurance money. Disclaimer: this is both financial and legal advice (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243479) |
|
Date: September 28th, 2022 10:13 AM Author: Glittery theater stage dingle berry don't fret, brother. i'll have paralegal karim reach out to you. look out for the email later today, brother. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243802) |
|
Date: September 28th, 2022 10:50 AM Author: bistre mind-boggling house legal warrant I’ve got 2 from Harrison Barnes. Is that what you were talking about brother? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244028) |
|
Date: September 28th, 2022 10:52 AM Author: Glittery theater stage dingle berry it won't come until later. karim isn't even in the office yet. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244037) |
|
Date: September 28th, 2022 10:14 AM Author: Obsidian stage telephone "how'd you afford that trip to cali?" powergoy: *whips out credit card* (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243809) |
|
Date: September 28th, 2022 10:17 AM Author: wild trailer park generalized bond no you aren't you stupid whiny little bitch (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243824) |
|
Date: September 28th, 2022 10:41 AM Author: Histrionic lay Your wife needs to be on board with whatever budget and can’t be going on amazon spending hundreds.
The thing with grocery shopping is that you need to buy things on sale. For produce and meat, we buy it on sale. For things like cheerios, we buy it in bulk when it’s on sale. Otherwise it’s like $3.99 a box. You diss Costco but you meaningfully save there when buying in bulk and the item is on sale. This applies to paper goods, dry foods, anything you can freeze. You also get gas there for cheaper.
If you break down grocery shopping, I bet you’re spending a lot of snacks and pantry items. We don’t buy much of those.
The other area you can cut back on are misc spending like clothing, gadgets etc. we spend about $300 on clothes per year for the whole family. The kids mainly wear hand me downs and there’s no reason you should be spending money on clothes for your younger kids. We also don’t buy random stuff. We have 5 year old phones and mine is cracked.
All this penny pinching will save you an extra $10-15k/year which would be meaningful. |
|
Date: September 28th, 2022 10:43 AM Author: Multi-colored nursing home give me a break $300/year on clothes for your whole family. come on nutella. yes, you are frugal despite being wealthy. it's endearing, but that's like 1 pocket knife worth of clothes for a family of 4. not buying it! (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45243978) |
|
Date: September 28th, 2022 10:51 AM Author: bistre mind-boggling house legal warrant I stand with dupa on this one. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244033) |
|
Date: September 28th, 2022 11:00 AM Author: Sexy athletic conference (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244081) |
|
Date: September 28th, 2022 11:02 AM Author: Histrionic lay It’s about $100 for 4-5 pairs of shoes for the kids. Another $200 on clothes for the kids (had to buy uniforms for my son which cost $100 and the rest on things like things like tshirts for future years). I’ve spent nothing on clothes for my daughter this year btwn wearing her brother’s old stuff and hand me downs and cheap clothes I bought in years past.
You know old navy sells clearance tshirts and pants and dresses for like $2-3 right? When that happens I buy it in 3-4 sizes for the next 3 years.
Also when I see shoes on clearance for cheap like under $20, I stock up in various sizes. For example I found $18 adidas soccer cleats and bought 3 years worth.
This way of shopping means you don’t buy anything “cute” or what they want, but whatever that’s life.
My husband and I haven’t shopped for ourselves in clothes in a few years. When we moved I realized I don’t even wear half the shit I own.
Kids have tons of hand me downs. I’m sure you have friends with same age kids. |
|
Date: September 28th, 2022 11:12 AM Author: razzle startled spot new version Counterpoint: I scrolled through 5 pages and these are all clothes for niggers.
https://oldnavy.gap.com/browse/category.do?cid=97035&&nav=meganav%3AMen%3ADeals%3AClearance#pageId=0&department=75 |
|
Date: September 28th, 2022 12:13 PM Author: Multi-colored nursing home most of my american friends' kids are younger than mine. my ukrainian friends send their stuff to needier kids. i have an older niece and we get a good amount of stuff from her.
old navy is a good idea. i never think to go there even though i drive past one every day.
i just bought my 6 year old son $60 soccer cleats. Rate me. |
|
Date: September 28th, 2022 12:25 PM Author: Histrionic lay I rate you a typical man. As I say below, it requires planning ahead. I put my husband in charge of baseball cleats and it was a bad mistake. he procrastinated and couldn’t find anything in the right size for cheap. Best he could do was $50 cleats at big 5. I was like “hell no.” I found these $25 softball cleats. He’s like “it’s softball, not baseball.” I’m like “don’t they play on the same field?”
I wanted to buy a cloth seat car and my husband vetoed it. He’s annoyed with how much cheaper I’ve gotten the richer we get. |
|
Date: September 28th, 2022 12:28 PM Author: Multi-colored nursing home i too would find it annoying having a $50 purchase for my kid scrutinized by my wife. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244624) |
|
Date: September 28th, 2022 12:30 PM Author: bistre mind-boggling house legal warrant It's annoying, but in my situation, every penny really does count because everything is so out of control. I even talked to her about trying to spend less and what happens? We spend more. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244642) |
|
Date: September 28th, 2022 2:30 PM Author: Multi-colored nursing home i would love to see your budget.
I would guess your financials are fine and the real issue is that you spend 100% of your time working and taking care of kids or other obligations and fee like there's not enough to show for that level of stress. |
|
Date: September 28th, 2022 2:41 PM Author: bistre mind-boggling house legal warrant Just tell me what you want to see. All money in + all money out + a day in the life of disco fries ? I can make a thread like that this weekend. |
|
Date: September 28th, 2022 3:04 PM Author: Multi-colored nursing home yeah man. by my estimate your net HHI is probably around $18k/month. Where's all this money going? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245691) |
|
Date: September 28th, 2022 3:08 PM Author: bistre mind-boggling house legal warrant Take home is $15,182 this month. Plus maybe a buck or two for interest payments. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245713) |
|
Date: September 28th, 2022 3:11 PM Author: Multi-colored nursing home and on top of that your wife seems to be chucking another $1,500 or so into her 457B. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245727) |
|
Date: September 28th, 2022 3:14 PM Author: bistre mind-boggling house legal warrant 1740 for my wife. My 401k gets another 1960. Haven’t saved a penny other than that since like May. Just getting buried. What set me off yesterday was the goddamn landscaper being like “oh yeah man, your grass is long so that’s gonna be like $275 amigo. Alright? We all good?” |
|
Date: September 28th, 2022 4:45 PM Author: Multi-colored nursing home Excluding your employer match youre saving $45k/year. Your wife is also contributing to a pension.
What happened after May? I can't put anything away in the summer because my wife is a teacher and doesn't get paid.
$275 for 1 cut? Where do you live man? I was quoted $100 per week which was enough for me to get a lawnmower. |
|
Date: September 28th, 2022 4:46 PM Author: bistre mind-boggling house legal warrant (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246329) |
|
Date: September 28th, 2022 4:10 PM Author: Histrionic lay Here are the areas where I think you can trim down:
Grocery $1,631.04 - $300/week for a family of 6 is totally doable if you pay attention to sales.
Medical $876.44. - are your kids particularly accident prone? My medical bills are like $800/year. well visits are free and pay a bit out for some dental cleanings or random office visit for some rash. Are there cheaper plans you can get? This sort of cost gets you to a very high OOP max.
Restaurant $689.51 - cut this down to $100/week. This means one sit down without any alcohol for a family of 6. If you order from like Uber, only do so when there’s a deal ($25 off $40) and stack with the places that do BOGO. We have a Indian place that does BOGO chicken tikka masala and we end up with 4 entrees for $45 after tip that we can eat over 6 meals, which you can also freeze. Better yet, don’t eat out at all. We go out to eat once every 2 weeks.
General Merchandise $427.39 (amazon and wal-mart – just stuff we need I guess, wife buys from. this is by far the biggest category of waste. There is no way you “need” $400 of stuff every month. I looked at my Amazon spend this month and it’s $120 for everything ranging from vitamins to a birthday gift. Most of my Amazon orders are also subscribe and save items (which saves me 15% for 5 items). I don’t see how you can’t keep this to $200/mo on average. You and your wife needs to take stock of exactly what you’re buying and whether you indeed need it. When we were moving, there was so much crap that you look at and wonder, why did I buy this? Don’t even get me started on toys. Stuff they played with for a week. I donated 75% of that crap away.
I believe in you; you just need to get serious if you truly want to cut down, and your wife needs to be on board because it looks like she’s the one handling online ordering. |
|
Date: September 28th, 2022 4:19 PM Author: bistre mind-boggling house legal warrant Thank you for this. I am printing to show to my wife. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246169) |
|
Date: September 28th, 2022 4:53 PM Author: Multi-colored nursing home a good tool that we use in family law is the case information statement.
It has a monthly budget section broken down into 3 categories: Shelter, Transportation and Miscellaneous. Pages 6 and 7.
https://www.njcourts.gov/forms/10482_fam_cis.pdf |
|
Date: September 28th, 2022 5:18 PM Author: bistre mind-boggling house legal warrant This was actually very helpful. Thank you. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246474) |
|
Date: September 28th, 2022 12:45 PM Author: Histrionic lay Tbf, I do 95% of the shopping for kids so he’s not involved. He has the same grocery philosophy as me from how he was raised. For his personal consumption, he can buy whatever he wants…but he has no hobbies like expensive knives. Every year he might buy a video game. He did buy a tool bench when it was on sale at Costco but I wouldn’t know to comparison shop for an item like that. One year, he wanted to buy a watch and was waiting for it to go on sale for 10% and have it shipped to his parents for lower sale tax, but I just ended up getting it for him for Christmas. One of the reasons we don’t fight about finances is that we generally have the same frugal mentality, I just take it more to an extreme. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244764) |
|
Date: September 28th, 2022 2:33 PM Author: Multi-colored nursing home Out the watch please.
I'm thinking about selling most of my knives and some other musical equipment and using the proceeds to fund a family vacation. cr? |
|
Date: September 28th, 2022 4:07 PM Author: bistre mind-boggling house legal warrant I think so. Also, a family man shouldn't really have any nice things in his house. I certainly don't. Nothing we own is worth reselling. Maybe a couple pieces of wood furniture could fetch something. But we don't have expensive kitchen knives, we don't have expensive pots, we don't have fancy dishes, we use paper plates, we do have some silverware we got when we were married. I really try very hard not to buy stuff or things. But the kids have crap coming out of their ears. I don't even know where it all comes from or what it is. My one son has like 20 lego sets. He's probably got $1000 in Legos. How? I don't know. They just all appeared over time. It's incredibly stressful and I cannot keep up. |
|
Date: September 28th, 2022 4:28 PM Author: Histrionic lay Ugh I’m constantly stepping on legos. Half the Lego sets are missing pieces and falling apart and it takes up so much space. Paper plates are expensive! I think I spent like $5 on 50 plates for a bday party. You can get cheap plates at ikea and this brand called Corelle which is chip resistant and good for kids. $100 will last you 10 years if not longer. The ones I have are from 2011. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246212) |
|
Date: September 28th, 2022 4:29 PM Author: bistre mind-boggling house legal warrant CSLG is a believer in paper plates though. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246219) |
|
Date: September 28th, 2022 4:48 PM Author: Histrionic lay CSLG is rich enough to waste paper plates; you’re not. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246340) |
|
Date: September 28th, 2022 4:53 PM Author: bistre mind-boggling house legal warrant On the road to riches it takes aspiration and perspiration. I've got the sweating part down pat. The paper plates are part of what I aspire to. |
|
Date: October 14th, 2022 5:06 PM Author: naked bat-shit-crazy faggotry hospital Just irl lol'd at this (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45332307) |
|
Date: September 28th, 2022 4:46 PM Author: Histrionic lay Some IWC watch. He just wanted something nicer to wear to meetings and events and stuff. I felt bad he saw it on sale once and didn’t buy it and then kept waiting for it to go back on sale. I’m lucky I married a dude who doesn’t have expensive taste in watches, food, wine, etc. I’m the one who is bougie and I’ve mostly stopped that in my old age.
If you don't particularly care about your collection, then sure, trade it in for a vacation. My philosophy on big family vacays are that they should be done when the kids are old enough to remember, at least for the older ones. Otherwise keep local and do hikes and beach and stuff. |
|
Date: September 28th, 2022 4:49 PM Author: bistre mind-boggling house legal warrant Not everyone lives in Southern California though. Maybe they should, but you can't just "keep it local." (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246349) |
|
Date: September 28th, 2022 6:09 PM Author: Histrionic lay Are you in joisey? Bear mtn is fine! (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246743) |
|
Date: September 28th, 2022 6:42 PM Author: medicated menage roommate personally, i would be honored to be rated by nutella as "a typical man" (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246918) |
|
Date: September 28th, 2022 10:50 AM Author: wild trailer park generalized bond lol yea and you also live in like a $3M house and just farted away $500K or whatever on renos. maybe you'd be better off getting your kids nice shit and living somewhere sane. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244032) |
|
Date: September 28th, 2022 11:07 AM Author: Histrionic lay We also rented out our old house, have another rental that my mom lives in rent free, and put tons of money into the stock market this year. It’s just about priorities and what you want to spend money on. I realized that I don’t care about anything like clothes, electronics, cars etc. I don’t care if my kids wear hand me downs or I wear some cheap h&m shit. The only thing I don’t compromise on are organic milk and berries but I buy it in bulk at $6.99 for 2 lbs for strawberries and $5.99 for a gallon of organic milk.
|
|
Date: September 28th, 2022 11:09 AM Author: bistre mind-boggling house legal warrant Dayum those are some good berry prices. I usually get 2 16-oz containers of blueberries for $4.99/lb each week. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244127) |
|
Date: September 28th, 2022 11:10 AM Author: Histrionic lay Berries are expensive but you have to buy it on sale or in bulk. For blueberries you can get the Driscoll farms ones for 2/$5 on sale or the large 18 oz ones for $6. I’ve found Costco prices not competitive for produce and fruit and I do better at local store. Same for milk since you can get the store organic brand versus horizon at Costco. It’s all about buying the cheapest at certain places but it takes work to understand where to buy the item. You have to have a cheapskate mentality. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244136) |
|
Date: September 28th, 2022 11:20 AM Author: bistre mind-boggling house legal warrant Damn. I don’t have time, patience, or the physical stamina to shop around like that. There’s 4 stores I could go to for groceries. One is Chinese and smells weird, one is Korean and smells weirder. The other two are your big names. Costco is a 25-30 minute ride away. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244186) |
|
Date: September 28th, 2022 11:54 AM Author: wild trailer park generalized bond you should also consider moving somewhere more sane (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244366) |
|
Date: September 28th, 2022 12:00 PM Author: Histrionic lay You remind me of the yelp reviews that give 1 star because “service was bad, restaurant was dirty” lol. Prices are #1. Be careful of amazon too. Crayola markers cost $8 a pack 2 weeks before school started. I went to target and they were selling their own brand for $1 a pack!
I agree this takes time and energy and planning. You can’t just be like “oh we are going to the beach next week, need new rash guards for the kids.” When I see cheap rash guards, I buy 5 at a time. I buy Christmas decorations after Christmas, boots at spring time, that sort of thing. And as a female, it requires focusing all spending on the kids. Female “self care” stuff is very expensive; mani pedis, massages, skincare, makeup etc. I quit (most) of that spending. That’s why you wife needs to be on board.
And I’m not talking life changing money savings, but you will feel like you have control over your spending and save a bit more per year.
|
|
Date: September 28th, 2022 1:14 PM Author: bistre mind-boggling house legal warrant Amazon definitely charges a lot for a lot of things. It's good for some things but not for everything. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244939) |
|
Date: September 28th, 2022 11:10 AM Author: wild trailer park generalized bond yea pissing away millions on housing/losing it in the market and buying your kids shoes from payless shows that your priorities are fucking stupid (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244135) |
|
Date: September 28th, 2022 11:14 AM Author: Histrionic lay The house has appreciated. Talk to me in a few years on the stock market versus shoes the kids outgrow in 6 months lol. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244158) |
|
Date: September 28th, 2022 11:22 AM Author: overrated azn indirect expression Oh no! My 5yo isn't wearing 200 dollar Givenchy sneakers zhe'll outgrow in 6 months! How will zher forgive me?!? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244195) |
|
Date: September 28th, 2022 11:22 AM Author: wild trailer park generalized bond everyone's house has appreciated. that's what happens in bubbles. and yea your kids are going to figure out eventually that you cared more about travertine floors than spending an extra $8 to get them name brand soccer cleats so he doesn't look like some cheapass gook weirdo. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244199) |
|
Date: September 28th, 2022 11:28 AM Author: bistre mind-boggling house legal warrant My house appreciated then it collapsed right back down again. Not before the county got its new (ridiculous) assessment in though. Everything in America is fraudulent. |
|
Date: September 28th, 2022 11:38 AM Author: wild trailer park generalized bond yea fuck spending $30 on a pair of nikes for my kid when he can wear $20 walmart shoes. *blows through $500K on home upgrades that will look dated and stupid in 5 years* (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244288) |
|
Date: September 28th, 2022 11:40 AM Author: wild trailer park generalized bond clearly your problems also are the result of having 4 kids, which is like 4x-6x the work of having 2 and also having jobs that don't pay enough to warrant having to get your asses into an office everyday. since you probably don't want to kill your kids, you should look for different jobs. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244297) |
|
Date: September 28th, 2022 11:47 AM Author: Histrionic lay Adidas isn’t a brand name?
My approach to home renovation is very similar to disposable goods. I don’t waste money on things that add little to no value, like travertine floors. We did spend $50k to bump out the house to make a 4th bedroom though. |
|
Date: September 28th, 2022 11:56 AM Author: wild trailer park generalized bond yep all your great advice will save him literally hundreds of dollars. just send him to soccer barefoot. that's what they do in brazil and look how good they are. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244375) |
|
Date: September 28th, 2022 12:10 PM Author: Histrionic lay You’ve got a great point there…only in America you’ve got a bunch of pussies all getting trophies for their “efforts” and “teamwork” wearing their fancy soccer cleats and shin guards.
I should push him to play beach volleyball, no shoes or shirt required! |
|
Date: September 28th, 2022 12:13 PM Author: wild trailer park generalized bond I played golf barefoot a few months ago because I thought I had left my shoes in my locker but turns out i didn't. shot 78. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244495) |
|
Date: September 28th, 2022 11:02 AM Author: spruce feces tank didn't you and your husband max out your credit cards and put all the money into SPY @ $320? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244088) |
|
Date: September 28th, 2022 11:09 AM Author: Histrionic lay We took out $120k worth of 0% cards payable in 2023 - 2024. Free money. We put money into the market btwn April -June of this year and bought i bonds over the summer. Tempted to put another $25k in now. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244128) |
|
Date: September 28th, 2022 11:50 AM Author: spruce feces tank It's free one! (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244346) |
|
Date: September 28th, 2022 3:05 PM Author: Multi-colored nursing home 180 (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245697) |
|
Date: September 28th, 2022 1:48 PM Author: translucent hairraiser internal respiration why do you put in so much effort for so little return? why bother making a lot of money if you can't exchange it for a little convenience in your life? you estimate you're saving 10-15k a year with all this effort (i doubt it's actually this high, probably closer to 5-8k). why not put that effort back into your job and get promoted and earn way more?
i've never penny pinched like this - have always lived a life of relative luxury and convenience because i'm a spendthrift at heart. However I've put my extra time back into my job and was rewarded with breakfast at my biglaw firm. now I don't care at all about money - it's just always there and I can't spend it fast enough. |
|
Date: September 28th, 2022 3:18 PM Author: exhilarant rose stage $300 a year for your whole family’s clothing budget. wtf, do you wear costco underwear and shit? don’t see the point of being rich and living like this when it’s not necessary. “Saving” 10-15k a year is literally meaningless when you’re making a million a year. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245779) |
|
Date: September 28th, 2022 4:59 PM Author: Histrionic lay It’s not about saving money but rather the satisfaction of getting a good deal and/or feeling bad about not getting a rock bottom price. But if I were poor, this would be real savings.
During our home renovation, I would go buy lowes $20 off $200 coupons for $2 each that contractors sell online and then split up the purchases into $200 increments so I could maximize the discount. Huge PITA to save $300-$400 but I can’t stand the thought of getting ripped off.
Then we drop $14k on a subzero fridge. Clearly it’s not about real savings. |
|
Date: September 28th, 2022 5:00 PM Author: bistre mind-boggling house legal warrant You spent $14k on a refrigerator? And you're giving me shit about paper plates? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246406) |
|
Date: September 28th, 2022 5:58 PM Author: Histrionic lay Lol I’m giving you shit because you’re the one being a drama queen complaining about “financial ruin” (even though you’re not). I live certain areas of my like like a pauper and not others. Given that your childcare and mortgage costs are so damn low, I think you can definitely trim some of the other spending. Shit really adds up when you don’t pay attention, like goddamn paper plates!!
Oh one other hack…save Christmas and birthday presents from friends and relatives and re-gift them to your younger kids and/other people’s kids. Our kids get so much fucking shit, and they have zero appreciation for it; I give them like 25-50% and the rest just store away for other occasions or regift. Otherwise you’re spending hundreds on gifts every year for your kids and other kids bdays. |
|
Date: September 28th, 2022 6:04 PM Author: wild trailer park generalized bond Also those self checkout things at Kroger you can just not scan like 1/4 the order. No one cares and the last dedicated loss prevention associate killed self this week. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246721) |
|
Date: September 28th, 2022 6:17 PM Author: Histrionic lay I don’t do that at Kroger, target etc since it’s blatant shoplifting and they have the cameras, but I complain constantly to Amazon. They really don’t give a fuck. You know if you return stuff on Amazon fresh they tell you to keep it? So I’ll buy a pound of strawberries there inevitably a few rotten ones, then refund $4.99. Once they delivered me the wrong order and I got to keep some random person’s order and got a full refund. I don’t do it enough to get flagged in their system but definitely get more than $200 in refunds per year. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246770) |
|
Date: September 28th, 2022 8:21 PM Author: wild trailer park generalized bond lol you're azn and you probably still wear masks everywhere. no one can tell you fuckers apart even when you aren't wearing them. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45247409) |
|
Date: September 28th, 2022 5:28 PM Author: exhilarant rose stage so just call it what it is, a hobby / game / entertainment that stimulates something in your brain that likes to "win" when making purchases, with the cost to play being your time.
in your case, i think it's pointless. for the op, yeah, he and his wife should cancel a streaming service and take up coupon whoring. |
|
Date: September 28th, 2022 5:16 PM Author: cocky gunner associate Lol $300 on clothes? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246468) |
|
Date: September 28th, 2022 6:06 PM Author: burgundy step-uncle's house ur kids are going to get bullied in school (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246729) |
|
Date: September 28th, 2022 6:31 PM Author: exhilarant rose stage 😂that’s going to happen regardless of the clothes they wear (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246862) |
|
Date: September 28th, 2022 10:55 AM Author: spruce feces tank You're fat and have no self control, why would you think you have any control over your family? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244056) |
|
Date: September 28th, 2022 11:03 AM Author: razzle startled spot new version It'll be Wednesday night at Flying-J tonight. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244095) |
|
Date: September 28th, 2022 11:13 AM Author: Maize swashbuckling giraffe forum Great Nutella thread, Disco (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244152) |
|
Date: September 28th, 2022 11:22 AM Author: bistre mind-boggling house legal warrant No idea what this means brother! But thank you! (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244194) |
|
Date: September 28th, 2022 11:24 AM Author: Obsidian stage telephone (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244209) |
|
Date: September 28th, 2022 11:31 AM Author: Titillating Sex Offender Cuckold stop feeling sorry for yourself and get a seven figure of counsel job (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244248) |
|
Date: September 28th, 2022 11:40 AM Author: big geriatric temple cuck what's up with board fats all being poor? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244299) |
|
Date: September 28th, 2022 12:45 PM Author: Stimulating Chapel They eat an extra $500 a month (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244762) |
|
Date: September 28th, 2022 3:57 PM Author: Cobalt Pocket Flask Abode (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246048) |
|
Date: September 28th, 2022 12:29 PM Author: vigorous quadroon is your credit over extended? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244631) |
|
Date: September 28th, 2022 12:37 PM Author: lake magical box office elastic band you have assets. sounds like you're being hysterical, man. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45244690) |
|
Date: September 28th, 2022 2:15 PM Author: Sinister area ladyboy "I've had to pay for things like my mother's divorce" what |
|
Date: September 28th, 2022 2:42 PM Author: bistre mind-boggling house legal warrant She needed help man. I gave her several k. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245572) |
|
Date: September 28th, 2022 2:48 PM Author: Sinister area ladyboy ever read "Timon of Athens"? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245621) |
|
Date: September 28th, 2022 3:37 PM Author: Stimulating Chapel (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45245918) |
|
Date: September 28th, 2022 4:11 PM Author: pink school cafeteria Painful situation, but I think Nutella is giving good advice. It takes some practice to be frugal, but once you get the habits and mindset going it could save a few hundred per month. With 4 kids and stressful jobs it's hard to increase income. I spent one year working two full time jobs and it nearly killed me. Don't recommend it. Also don't recommend reducing long term savings. If you start thinking of savings on a purchase as extra income maybe it helps psychologically. We spent many years being very frugal. Now we don't have to be frugal, but the habits are still there. It's still hard for me to talk myself into buying something expensive.
Wife was always a SAHM, unlike most of her peers and my colleagues' spouses. We suffered by comparison and could not keep up with the Joneses, but screw it. I was the only guy who mowed his own grass. We never had child care expenses except for baby sitters, and even then we used to be in a babby sitting co-op in which we swapped time instead of money. We rarely went anywhere without kids anyway. Kids went to a cooperative nursery school where tuition was almost zero but we had to contribute labor. One year my wife signed me up to be the auditor because it was the volunteer job with the most points. I was not happy, but got it done. We also belonged to a food co-op. Don't know if people do that anymore. A group of us bought fresh food in bulk quantity at bulk prices and divvied it up. We also made bread at home, had a garden, used coupons, shopped and took advantage of any and all discounts. Dining out was very rare. We did a lot of supper parties with friends in which we all pitched in and cooked. We had a regular swap a meal deal with one couple with whom we alternated having dinner (with kids) at each other's house once/week. It was like going out, but cheap. Unfortunately they got divorced. Deterioration of food quality at their house was a leading indicator.
This was long ago and far away and YMMV. One thing that made it easier to be cheap was to find friends who were in the same boat. We were doing this in the 70s and into the 80s, so maybe that is an extinct mindset. |
|
Date: September 28th, 2022 4:19 PM Author: bistre mind-boggling house legal warrant Thank you friend. I am going to print out Nutella's post and show it to my wife this evening. Nutella you are right about the Wal-Mart/Amazon. Here is an example of recent Amazon purchases: 1. Three toothbrushes, 1 pair of kids shoes, 1 water bottle . . . $93.86 2. Stickers, paper bags, and small toys . . . $43.26 3. Legos . . . $17.32 |
|
Date: September 28th, 2022 6:41 PM Author: Histrionic lay The legos are the cheapest things on there! Sounds like your wife put together goody bags for a bday party. Here’s the solution: don’t do goody bags. I’ve never been to a party and left thinking “wow I’m so offended they didn’t give my kids more useless plastic Amazon junk”
One thing I do is take water bottles from the school lost and found before the end of the school year. Amazes me how many people never bother to check for their swell, yeti bottles! If my son doesn’t come home with a Tupperware or bottle, I pester him constantly to go. I did the same at the little league and AYSO lost and found at the end of the season. So many bats, backpacks, shin guards whatever you want.
I don’t give a fuck if that’s ghetto. I’m from a ghetto poor background so it’s ingrained in me. |
|
Date: September 28th, 2022 4:30 PM Author: Shimmering Elite Meetinghouse I'm up like 200k today! Yay! (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246237) |
|
Date: September 28th, 2022 4:32 PM Author: bistre mind-boggling house legal warrant Do you have any tips for me my good friend? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246251) |
|
Date: September 28th, 2022 4:34 PM Author: Shimmering Elite Meetinghouse Yeah, cut your spending like your life depends on it. There is no magic bullet. It's like telling a fat person to eat less. Everyone knows what to do. Doing it is the hard part. If you want to talk more you can email me at gaypumo_xoxo@protonmail.com. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246264) |
|
Date: September 28th, 2022 5:06 PM Author: Stimulating Chapel Telling a fat person to eat less is suspiciously familiar in the context of this poaster... (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246426) |
|
Date: September 28th, 2022 5:09 PM Author: Shimmering Elite Meetinghouse Yes, I was trying to provide a relatable analogy. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246438) |
|
Date: September 28th, 2022 5:22 PM Author: Maize swashbuckling giraffe forum But doing it is unrelatable. Disco Fries is fucking infuriating because he knows what he ought to do, but doesn’t have the willpower to not eat or the backbone to tell his wife no.
Disco, you should go to Overeaters Anonymous and get involved in traditional therapy. I suspect you are enormously codependent and you will need all the help you can get in setting boundaries that will allow you to lead a normal life and not raise psychopaths.
Edit: if you’re not familiar with codependency you should read up on it; it’s going to hit you like a ton of bricks |
|
Date: September 28th, 2022 5:25 PM Author: bistre mind-boggling house legal warrant What's a good primer on codependency? Maybe I am codependent, but maybe I'm just a failed person? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246516) |
|
Date: September 28th, 2022 5:30 PM Author: Maize swashbuckling giraffe forum Schedule and appointment with a codependency therapist, but in the meantime see if any of this applies to you: https://www.everydayhealth.com/emotional-health/do-you-have-a-codependent-personality.aspx (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246551) |
|
Date: September 28th, 2022 6:32 PM Author: Adventurous chad really tough guy you're fine stop whinign (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45246870) |
|
Date: September 28th, 2022 9:30 PM Author: Transparent apoplectic business firm Stop asking for tips. You know what to do. You're procrastinating. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45247681) |
|
Date: October 14th, 2022 4:15 PM Author: bistre mind-boggling house legal warrant We are now gaining another family member by the way. (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45332040) |
|
Date: October 14th, 2022 4:51 PM Author: Sexy athletic conference Why? (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45332215) |
|
Date: October 14th, 2022 4:53 PM Author: pale supple hominid Congratulations! (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45332225) |
|
Date: October 14th, 2022 5:07 PM Author: naked bat-shit-crazy faggotry hospital Congrats (http://www.autoadmit.com/thread.php?thread_id=5201004&forum_id=2#45332312) |