Mo Money, Mo Problems

[crazyqx83_rivals88013]

So I've gotten 2 raises this year and both of my kids are in school now (no more daycare bills), so we got a cashflow boost (not typical Paddock level, but y'know). But earlier this year I was diagnosed with UC, which maxed my deductible (we hardly had any illnesses before this year). Then came the inordinate car repairs. The dog's been at the vet 5 times since mid-August. And now a backlight on the Living Room TV went out and my daughter lost her first pair of glasses that we bought her just 2 weeks ago.

Is there like somebody that pushes a button somewhere that starts ******* up stuff when you start getting more money?

 

[TortElvisII]

8-16-23-45-64 Powerball 21

 

[funKYcat75]

And now a backlight on the Living Room TV went out

 

[Ron Mehico]

For the last two years all you've bitched about is how underpaid you are for how educated you are, how baby boomers suck and you're never gonna have money for retirement etc. But now that you've made it out of the beginning pains of your career like everyone has to go through and are starting to become successful you're bitching about how having a family and owning a home is expensive and a pain in the ***. Some people are just born to ***** I guess

 

[CrittendenWildcat]

It's a universal truth...scratch that, it's a distinctly American truth: Whatever your income, your income X 1.10 is what you "need" to "be happy."Just do what everyone else who buys into the "I need, I need" mentality does, rack up credit card debt and push the day of reckoning off until you find yourself so deep in debt that you can't dig out. Then declare bankruptcy, learn nothing, and start the process all over again.

 

[dgtatu01]

Wait till you hit that day when you turn Republican for good. The day you go to your accountant or finish up your TurboTax and instead of a refund you get a bill. That's when you know you've made it and you are now the scorn of all the blood sucking leaches who didn't scrap as much as you did, but still want the house, cars, and clothes that you can buy.

 

[Get Buckets]

For the last two years all you've bitched about is how underpaid you are for how educated you are, how baby boomers suck and you're never gonna have money for retirement etc. But now that you've made it out of the beginning pains of your career like everyone has to go through and are starting to become successful you're bitching about how having a family and owning a home is expensive and a pain in the ***. Some people are just born to ***** I guess

This.

 

[crazyqx83_rivals88013]

For the last two years all you've bitched about is how underpaid you are for how educated you are, how baby boomers suck and you're never gonna have money for retirement etc. But now that you've made it out of the beginning pains of your career like everyone has to go through and are starting to become successful you're bitching about how having a family and owning a home is expensive and a pain in the ***. Some people are just born to ***** I guess

It's a universal truth...scratch that, it's a distinctly American truth: Whatever your income, your income X 1.10 is what you "need" to "be happy."Just do what everyone else who buys into the "I need, I need" mentality does, rack up credit card debt and push the day of reckoning off until you find yourself so deep in debt that you can't dig out. Then declare bankruptcy, learn nothing, and start the process all over again.

Wait till you hit that day when you turn Republican for good. The day you go to your accountant or finish up your TurboTax and instead of a refund you get a bill. That's when you know you've made it and you are now the scorn of all the blood sucking leaches who didn't scrap as much as you did, but still want the house, cars, and clothes that you can buy.

Just frustrated because we were trying to sacrifice by driving 10 year old paid for cars (the wife's will actually be 9 years old when we pay it off next year) to "get ahead" Living on 75% of our income. Paying off our debt before we move up in house. Etc. And we keep getting hammered by taxes, rising healthcare costs, etc. on top of your everyday run-of-the-mill unexpected expenses.

I understand that some of these problems just go along with these choices (like stuff falling apart on an older car), I just like to vent and it all came up at once.

 

[BlueVelvetFog]

Mo money was no problem for good ole Jack Whittaker
https://en.m.wikipedia.org/wiki/Jack_Whittaker_(lottery_winner)

 

[We-Todd-Did]

More money = more problems is the truth. I spent this morning putting brakes on my car to save a couple of hundred bucks (pads and rotors, all 4). I finished cleaning up and then went to the mailbox to get bills for three times that. That was a serious beating.

 

[Get Buckets]

Id rather be rich and unhappy than poor and unhappy.

 

[crazyqx83_rivals88013]

More money = more problems is the truth. I spent this morning putting brakes on my car to save a couple of hundred bucks (pads and rotors, all 4). I finished cleaning up and then went to the mailbox to get bills for three times that. That was a serious beating.

Unexpected bills?

 

[UKGrad93]

It's a universal truth...scratch that, it's a distinctly American truth: Whatever your income, your income X 1.10 is what you "need" to "be happy."Just do what everyone else who buys into the "I need, I need" mentality does, rack up credit card debt and push the day of reckoning off until you find yourself so deep in debt that you can't dig out. Then declare bankruptcy, learn nothing, and start the process all over again.

I actually got to the point of being really content with our household income. Then things went south with the wife's job, 10% cut in income. Haha fug you cosmic truth.

 

[rmattox]

A few years ago my wife started using this "envelope" system . we wrote down every expenditure for a year including car repairs, tax prep,house repairs, even crap like school pictures , birthday and Christmas gifts,life insurance, etc. She then divide each amount by 24 . each payday she cash my check and put money in each envelope. By the time she finished, we had about $300 left over as discretionary money. I was initially iritated because I could not freely spend. But then when the yearly car ins bill came we had the cash in that envelope. Same with every other bill. I stll complain when I can't go out and blow some money BUT it feels good to be able to meet our obligations AND have zero debt. If you've not tried it you should

 

[crazyqx83_rivals88013]

A few years ago my wife started using this "envelope" system . we wrote down every expenditure for a year including car repairs, tax prep,house repairs, even crap like school pictures , birthday and Christmas gifts,life insurance, etc. She then divide each amount by 24 . each payday she cash my check and put money in each envelope. By the time she finished, we had about $300 left over as discretionary money. I was initially iritated because I could not freely spend. But then when the yearly car ins bill came we had the cash in that envelope. Same with every other bill. I stll complain when I can't go out and blow some money BUT it feels good to be able to meet our obligations AND have zero debt. If you've not tried it you should

Yea. We do envelopes

Monthly:

$80 for clothes
$60 for car repairs
$60 for home repairs
$40 for haircuts
$20 for allowance
$40 for miscellaneous

We're basically doing the Dave Ramsey deal right now with $1000 in emergency fund and trying to pay off our $35k in debt (mostly student loans, then 1 car, a small CC and medical bills) in 15 months.

 

[qwesley]

Thought this was going to be an Andy Dalton thread.

Envelop system sounds more depressing that being poor.

 

[Chuckinden]

Just frustrated because we were trying to sacrifice by driving 10 year old paid for cars (the wife's will actually be 9 years old when we pay it off next year) to "get ahead" Living on 75% of our income. Paying off our debt before we move up in house. Etc. And we keep getting hammered by taxes, rising healthcare costs, etc. on top of your everyday run-of-the-mill unexpected expenses.

I understand that some of these problems just go along with these choices (like stuff falling apart on an older car), I just like to vent and it all came up at once.

You could always go on disability and get food stamps and a bunch of free stuff.

 

[UKserialkiller]

A few years ago my wife started using this "envelope" system . we wrote down every expenditure for a year including car repairs, tax prep,house repairs, even crap like school pictures , birthday and Christmas gifts,life insurance, etc. She then divide each amount by 24 . each payday she cash my check and put money in each envelope. By the time she finished, we had about $300 left over as discretionary money. I was initially iritated because I could not freely spend. But then when the yearly car ins bill came we had the cash in that envelope. Same with every other bill. I stll complain when I can't go out and blow some money BUT it feels good to be able to meet our obligations AND have zero debt. If you've not tried it you should

I don't use envelopes for money. But I did use little baggies to separate my weekly marijuana smoking back in the day. Now I can afford enough to just leave it in a jar. I use to do the envelope method with cocaine, but I would end up snorting next Saturday's supply on Monday night. It's tough, but if you can manage it, then yeah, the envelope system can really be effective.

 

[We-Todd-Did]

Unexpected bills?

Just ones I forgot about. It wouldn't have been as bad if I hadn't paid my property taxes the day before.

 

[bigblueinsanity_rivals250340]

I'm no Dave Ramsey, but if it's taking you 9 years to pay off a car; that might be a sign of bad decisions.

 

[jedwar]

Get that TV fixed first.

 

[crazyqx83_rivals88013]

I'm no Dave Ramsey, but if it's taking you 9 years to pay off a car; that might be a sign of bad decisions.

We don't buy new cars. We bought it in 2014.

 

[bigblueinsanity_rivals250340]

We don't buy new cars. We bought it in 2014.

OK makes much more sense. Sorry I misread that

 

[ThwKentuckyKid]

You need to keep having kids until you qualify for food stamps and government insurance.

 

[Ineverplayedthegame]

A few years ago my wife started using this "envelope" system . we wrote down every expenditure for a year including car repairs, tax prep,house repairs, even crap like school pictures , birthday and Christmas gifts,life insurance, etc. She then divide each amount by 24 . each payday she cash my check and put money in each envelope. By the time she finished, we had about $300 left over as discretionary money. I was initially iritated because I could not freely spend. But then when the yearly car ins bill came we had the cash in that envelope. Same with every other bill. I stll complain when I can't go out and blow some money BUT it feels good to be able to meet our obligations AND have zero debt. If you've not tried it you should

She needs to write a book or better yet get a radio show.

 

[DSmith21]

Sounds like you could use some extra income in the short term. Have you thought about getting the wife a second job? The escort services are always hiring.

 

[_nelson3]

Obligatory 'porch lights on' for One4Wall