I'm not going where you're going, troll. i.e. crying and complaining like a little child.
If you had more than one neuron firing in that mass you call a brain, you would understand that in my post I had said "as others have said" - clearly indicating (to anyone with a 3rd grade level of comprehension at least) that I was not the first one to have made that statement, and was only affirming it. Of course, this is beyond your ability to understand so you have to start repeating yourself ad nauseam like some retard "omg lol somebodiez beatz you tooz it!!! zomg rofl lawl lawl lawl I r so cool, hahaha".
So go back to your room and play with your blocks.
Fuel to the fire.
Let?s see, I have attempted to be helpful here with my personal experience regarding budgeting as that is what this thread is about and I get called a retard, told to commit suicide, called a troll, etc.
What have you contributed to this thread OdiN? Nothing at all.
Excuse me?
Your attempts to help have been to post "somebody beat you too it, lawls" repatedly? How is that being helpful?
Sure you started out fine, but then you just showed your true colors and are acting like a moron.
Kind of invalidates any advice you would ever give.
What have I contributed? I pointed out that you could save money by using software which is free, or software which you may already have anyway.
Also I'm contributing by feeding the troll.
Anyone can read the thread and see what you said.
Your first reply was to use Excel (which is expensive) instead of buying a piece of dedicated financial software. Then you later said to use OpenOffice which is of course free, but not before a lot of people pointed it out. You mainly said it so you could appear to be "telling me how it is" which is frankly irrelivent. Everyone knows OpenOffice is free.
Then you call me a retard, a troll, tell me to kill myself, etc. And you think I am the child.
And you want people to listen to what you have to say? You have shown your true colors. I guess I'll just have to ignore you from here on out.
I didn't say to use Excel. I merely made a comment that $50 wasn't exactly "cheap" for something that is easily done in Excel. When you made a comment about how much Excel is, I affirmed the other posters comments that there is free software available which is very similar and very much capable of budgeting. Also, many people already have Excel, so there would be no added cost to use Excel. Many get Excel discounted at student rates, or even free.
And yes, I mentioned OpenOffice, and as explained to you once before, I was only affirming what others said that yes, that is a valid option. But apparently your head is too thick for that to sink in the first time, so maybe after reading this, you'll get it. If not, feel free to re-read it 50,000 times and maybe by then you will have an inkling of understanding. I did not say it to "tell you how it is" or whatever. And it's spelled "irrelevant", which if you looked that up in a dictionary (if you know how) it would probably say something like "Irrelevant: Any of LS8's opinions."
Also, I did not tell you to kill yourself. I suggested that you could do that as a way to improve the gene pool. I leave rest in your (admittedly uncapable) hands.
Act like a troll, get called a troll.
Welcome to the internet, enjoy your stay.
My suggestion is to keep your bills and expenses (groceries, gas, etc) under two-thirds of you income. Save at least $100 a week to get an emergency cushion. Spend what's left to pay off debt, fix up the house, go shopping...
Same here.
It comes down to setting your real priorities and then sticking to them.
We are cheap-asses, especially for 20-somethings. We eat out maybe twice a month at affordable places, go to the movies maybe twice a year, and usually spend our weekends doing free or nearly free activities. As a result, more than 50% of our gross income goes towards savings, investments, and retirement. After two years at my job out of college, I have more than a year's worth of gross pay socked away and I purchased and paid off my car. My fiancee is doing the same.
The reason we do this is that we value the expensive things that matter: buying a home, paying for our future kid's college, retiring early and traveling, and maybe buying a few nice sports cars that would otherwise appear to be way outside our means. We know that to reach those goals later, we need to live like we're still broke-ass college students now. Compound interest works wonders, but only if you start early and take it seriously.
When I see how my co-workers piss away their money, I just shake my head. Designer clothes, makeup, lunch at restaurants, tropical vacations, big TV's. Those things are great, but then they're freaking out about how they will pay rent/mortgage at the end of the month. People who spend their entire paychecks also force themselves into more poor financial decisions, like leasing cars, not buying in bulk, buying cheap products that break instead of good ones that last, etc. You not only need to have money to make money, sometimes you need to have money to SAVE money.
It's a way for people to realize what the junk is. For some it isn't as easy as others. I feel a lot of it has to do with the way one is brought up.
I find merely keeping tabs on all loans/bank accounts/etc is a much better way of being financially savvy, unless you're the kind of person that sees that they have one more paycheck between now and when the rent is due and comprehends that as "I gotta spend this money!"
This exercise isn't a bad idea, but I think you'd be better off spending NO money for one week every month for a year. I'm reading a book right now that gives the premise of the idea (ie: don't stock up on groceries the week before, don't fill up on gas the night before it starts, don't spend a bunch of money before you do it just to counteract what you won't be spending...) and the only REAL reason it gives for the idea is that if forces you to come up with more creative ways of doing things without money. (Cooking somewhat random dishes from items at the back of the cupboard, carpooling, and more). Not that I'm afraid to try it or anything, but if I have my finances in order and I have a proper budget, then as long as I'm not missing bills and I'm still stowing some money away then it's unnecessary.
This exercise isn't a bad idea, but I think you'd be better off spending NO money for one week every month for a year. I'm reading a book right now that gives the premise of the idea (ie: don't stock up on groceries the week before, don't fill up on gas the night before it starts, don't spend a bunch of money before you do it just to counteract what you won't be spending...) and the only REAL reason it gives for the idea is that if forces you to come up with more creative ways of doing things without money. (Cooking somewhat random dishes from items at the back of the cupboard, carpooling, and more). Not that I'm afraid to try it or anything, but if I have my finances in order and I have a proper budget, then as long as I'm not missing bills and I'm still stowing some money away then it's unnecessary.
SSSnail
Lifer
- Nov 29, 2006
- 17,458
- 83
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I'm lucky if I spend less than $250/week. I tried this budgeting crap, unfortunately it's not my forte or my SO's either, I'm her personal bank. 
Edit: A long time ago in a galaxy far far away, I wrote this VB script that does just this, budgeting. It even gives you your balance in TECHNICOLOR!!! (Red means you're SOL).
Edit: A long time ago in a galaxy far far away, I wrote this VB script that does just this, budgeting. It even gives you your balance in TECHNICOLOR!!! (Red means you're SOL).
I think a lot of people find joy in the instant gratification obtained by purchasing material goods. The sad thing is that the novelty wears out quickly and you're back to wanting something else...
I think I do that EVERY month. There are a few times when I'll buy a video game and go to maybe $300. That doesn't include rent, electricity, etc., but that's what was stipulated in the link anyway.
When you take out rent and bills, it's very easy to live on almost no money. Let me see if I can do a budget right now...
Gas = one fill-up per month = $30 (I bike to work and don't use much gas otherwise)
Alcohol = Approx $0, but sometimes I'll buy a case of beer, so let's say $10 anyway
Food = probably $200 split into $50 weekly purchases (I cook mostly)
That's what, $240?
Why aren't they including cable? Isn't that an unnecessary expense? You may as well not include movie tickets. Also, they're ignoring the fact that more time spent at home = more electricity used, so WTF is with that? Yeah, it's cheaper, but their idea seems so... childish.
When you take out rent and bills, it's very easy to live on almost no money. Let me see if I can do a budget right now...
Gas = one fill-up per month = $30 (I bike to work and don't use much gas otherwise)
Alcohol = Approx $0, but sometimes I'll buy a case of beer, so let's say $10 anyway
Food = probably $200 split into $50 weekly purchases (I cook mostly)
That's what, $240?
Why aren't they including cable? Isn't that an unnecessary expense? You may as well not include movie tickets. Also, they're ignoring the fact that more time spent at home = more electricity used, so WTF is with that? Yeah, it's cheaper, but their idea seems so... childish.
I believe the site's is $250 between 2 people. Still I agree some of their expenses should be counted but overall I think that's not bad for 2.
You also have to include household items (soap, tp, paper towels, cleaning supplies, etc.) and entertainment $.
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