Care to discuss your budgeting style, technique, or method? -bookkeeping

[C3RB3RUS]

pick one topic. ignore all others

*1st topic
my whole career i did the 'weed work' (technical nerdy detail stuff-so much fun) in my job and never put to much stalk in the worth of budgetary works. but now I've got this budgeting method in my personal life that i think is dope.

the initial contribution is high, but once one gets started every bill and cost one can count on, once or twice a month, is reduced by half. you can just keep going if you want, actually; creating more money that one has 'to blow.' Maybe i'm a dummy for just figuring this out, but don't most people have 2 checking accounts? one for bills and the other for fun? it's just so much easier with 2. one can just forget about bill pay when it's nearly all automated. having an account with money to blow is awesome too because one can see exactly how much he, or she has to blow.

what are some other things to go over based on the personal experiences, facts and techniques of others?

*new topic

is anyone here into investing? i spoke to a Finance adviser for like 2 hours. he honestly didn't say much more than what i already have a grasp on, minus the details he surely had a deep understanding of. a very light familiarity with types of investments is all i have.


*new topic

also, i learned how to use a bank loan as a bargaining chip when one goes to the auto dealer. lie about the interest rate your bank gave you and hope that the dealer doesn't ask to see the loan. This will work to your advantage on the interest they will charge you on the lease your getting too. though they will think it's their idea. Also, know your credit score to get the monthly payments as low as possible. The dealer might try to BS his way deeper into your wallet by telling you your credit wasn't good enough to have low low payments. eventually like i was saying one works his, or her way into a lease in which he tells the dealer that he'll turn in the vehicle for a new one after the lease is up. one is actually leasing to buy. it's better that one lies to the dealer, so free oil changes and tires n crap get thrown into the lease. while leasing the value of the vehicle will be depreciating. thing is one will have to watch their mileage, dings pings, cleanliness, etc. Is this accurate?

*new topic

house buying: i learned about the reasons for using an ARMS mortgage VS the reasons for a Fixed. ARMs for selling the house after the fixed period is up and fixed for keeping the thing. also, buy 'new construction' get the all the 'basic upgrades' and anything you want, but can't build/install yourself, like an island in the kitchen. install/build shit yourself at your leisure to increase the property value. upgrades coming with the initial purchase will increase the amount paid on interest.

Can anyone impart more knowledge on me based off his and hers' personal experience? i'm mostly interested in pitfalls, and ways to 'work the system?'

[austinite]

Dang. Might be easier to split up your posts so you don't lose people's attention.

[C3RB3RUS]

Yes, but lazy. not expecting much either. oh well. if anyone comments, i'd expect them to know more than me. hopefully i do lose some people.


https://www.youtube.com/watch?v=KfGIQvACP9c

[ppwc1985]

All you need to know is at DaveRamsey.com, this is how I budget and invest and live. No credit used. If ya can't pay cash, you don't need it. Been following his advice for 3 years, I'm debt free.

[C3RB3RUS]

All you need to know is at DaveRamsey.com, this is how I budget and invest and live. No credit used. If ya can't pay cash, you don't need it. Been following his advice for 3 years, I'm debt free.

that reminds me. i got a bunch of cds he made and i need to watch them. no CC? i still need to watch them.

https://www.youtube.com/watch?v=iCpvrpXM56I

https://soundcloud.com/acidbath/acid...iful-downgrade

http://www.thephora.net/forum/

[ppwc1985]

that reminds me. i got a bunch of cds he made and i need to watch them. no CC? i still need to watch them. https://www.youtube.com/watch?v=iCpvrpXM56I https://soundcloud.com/acidbath/acid...iful-downgrade http://www.thephora.net/forum/

No cc, I use my debit card it works the same way.

[lovbyts]

I just started a new budgeting program. I took the wife's credit card away, ATM card and removed her access to the bank/savings account.

[Igifuno]

I just started a new budgeting program. I took the wife's credit card away, ATM card and removed her access to the bank/savings account.

Mm hmm.. God damn right. That's a huge savings right there.

[C3RB3RUS]

Mm hmm.. God damn right. That's a huge savings right there.

I just started a new budgeting program. I took the wife's credit card away, ATM card and removed her access to the bank/savings account.

-oh yes, i'm familiar with this type of thing. she doesn't touch my shit and i don't touch hers. get'er done. the only imprint she leaves in the budget comes from groceries. sometimes i 'blow' some doe with her/'on her' and in an unrelated fashion. shame on me.

[jimmyinkedup]

One of my biggest savings with my new budget is making sure I dont buy shit gear from shit sources like Black Star Republic. Since I have stopped wasting my money on dirty , piss poor under-dosed gear from a company that provides false labs on their products I have been much more financially and fiscally stable and solvent.

[bloodchoke]

One of my biggest savings with my new budget is making sure I dont buy shit gear from shit sources like Black Star Republic. Since I have stopped wasting my money on dirty , piss poor under-dosed gear from a company that provides false labs on their products I have been much more financially and fiscally stable and solvent.

It seems like you're holding back, Jimmy. Tell us how you really feel.

[bloodchoke]

Through rigorous mathematical and economic modeling, I have discovered that the amount of money I save is inversely proportional to the amount of money I spend.

[BG]

I just started a new budgeting program. I took the wife's credit card away, ATM card and removed her access to the bank/savings account.

It took so long to get my wife to finally ATM I would never take it away from her.

[RigPig]

It took so long to get my wife to finally ATM I would never take it away from her.

I see what's you did there..LOL

[bloodchoke]

It took so long to get my wife to finally ATM I would never take it away from her.

tisk tisk (and high-five)

[wellshii]

Don't eat out,see movies,price match everything, shop online. Ally my checks go to savings while the wifes pay bills.

[marcus300]

can you drink winny

[tarmyg]

It took so long to get my wife to finally ATM I would never take it away from her.

hahaha...

[C3RB3RUS]

I just started a new budgeting program. I took the wife's credit card away, ATM card and removed her access to the bank/savings account.

It took so long to get my wife to finally ATM I would never take it away from her.

jeez

[C3RB3RUS]

I see what's you did there..LOL

Duh

I just started a new budgeting program. I took the wife's credit card away, ATM card and removed her access to the bank/savings account.

It took so long to get my wife to finally ATM I would never take it away from her.

jeez

how did you like my reply, friend. I know you already, you know? I feel so close to you.

So you made fun of LB because of the way he wrote that sentence.

you are down right acidic. nice signature too. i love your link, it shows how S M A R T you are.

I don't think you are 'that' smart. i could ding people on there sentences all day, but at the end of the day, i'm just an A hole, not smart.

oh god, you are from NY too. that's great. hahaha

your disclaimer is retarded too.

[GirlyGymRat]

The secret to budgeting is don't live pay check to paycheck.

Charge everything to one charge card but if you cannot pay it off every month then use cash.

Never pay interest except for house and car.

Don't buy Christmas presents for everyone if u can't afford Christmas presents for everyone. Do a dollar store gift exchange if you feel inclined.

Volunteer for underprivileged. It will give u a perspective to your wealth.

[C3RB3RUS]

Thanks for the replies everyone, but this is 'all too' familiar to me and i'm not satisfied with this type of classic/vanilla/common sense (whatever one wants to call it) accounting/budgeting. though, it's good to know and consider. Also, nobody has commented on home/investing/car buying strategies. any takers?

Hey BG, watch the Conan O'brain David spade episode. there is a fan correction skit. This kind of thing is what you are, hahahaha. hey, David Spade also wrote a book called almost interesting!


i'm the blackstar questions guy everyone, ok. i did it. me. thanks J "I see what you did there"

[GirlyGymRat]

Thanks for the replies everyone, but this is 'all too' familiar to me and i'm not satisfied with this type of classic/vanilla/common sense accounting/budgeting. though, it's good to know and consider. Also, nobody has commented on home/investing/car buying strategies. any takers?

Please do share your creative financing strategies. I love sprinkles on my vanilla ice cream cones. Lol

[C3RB3RUS]

well, i'm looking for criticism, so criticize. i wrote what i do. that's all i got. give me more.


I can delete the original post? i'm just musing anyways. it pleases me to post these things. if i really wanted real answers i would do a lot of reading on gooooogle this is my attempt to be social, or something.

[Bonaparte]

Duh





jeez

how did you like my reply, friend. I know you already, you know? I feel so close to you.

So you made fun of LB because of the way he wrote that sentence.

you are down right acidic. nice signature too. i love your link, it shows how S M A R T you are.

I don't think you are 'that' smart. i could ding people on there sentences all day, but at the end of the day, i'm just an A hole, not smart.

oh god, you are from NY too. that's great. hahaha

your disclaimer is retarded too.

Thanks for the replies everyone, but this is 'all too' familiar to me and i'm not satisfied with this type of classic/vanilla/common sense (whatever one wants to call it) accounting/budgeting. though, it's good to know and consider. Also, nobody has commented on home/investing/car buying strategies. any takers?

Hey BG, watch the Conan O'brain David spade episode. there is a fan correction skit. This kind of thing is what you are, hahahaha. hey, David Spade also wrote a book called almost interesting!


i'm the blackstar questions guy everyone, ok. i did it. me. thanks J "I see what you did there"

Do you have some sort of documented cognitive deficiency?
BG made an ass-to-mouth joke (ATM), Rig Pig acknowledged it, and you just flipped the **** out for no reason.

[Igifuno]

Yeah I'm a little confused as well. Thought maybe I missed something.

[C3RB3RUS]

Automated teller Machine and the choppy sentence LB wrote is the only thing I saw. Ass to mouth didn't even register. I didn't get that joke. so what. i'm not posting to shoot the shit. BG was rude to me in another post and i didn't appreciate it. i was just looking for a reason. A.T.M. ass to mouth, great. now i know something totally useless. i should hang out with BG more often.


Does anyone see 'Ass to mouth' in the subject line? hmmm ass to mouth, ass to mouth. i don't think that's what i was talking about.

on second thought i totally should have put that one together. that's totally F@$king disgusting

i'm tryin' to talk about finances here and you all are talking to me about dicks and asses and mouths...

https://www.youtube.com/watch?v=3buEelLrjZ4

https://www.youtube.com/watch?v=7jMjwK2ELCU

[lovbyts]

No, no, no. BG and I are good. Trust me, I give as good as I get. Never had a problem with anyone giving me a bad time because I take just as many cheap shoots at others. You have to be thick skinned around here for sure.

Duh





jeez

how did you like my reply, friend. I know you already, you know? I feel so close to you.

So you made fun of LB because of the way he wrote that sentence.

you are down right acidic. nice signature too. i love your link, it shows how S M A R T you are.

I don't think you are 'that' smart. i could ding people on there sentences all day, but at the end of the day, i'm just an A hole, not smart.

oh god, you are from NY too. that's great. hahaha

your disclaimer is retarded too.

[BG]

Hahaha. For once I don't even know where to start. But I'm going to be nice. C3r I wasn't rude, I just asked you to re-read you threads before you post them because many things don't make sense and you will not get good answers. I closed it because I didn't want further discussion on the topic. That's it. Enjoy your time here, it's going to be very limited.

[marcus300]

Hahaha. For once I don't even know where to start. But I'm going to be nice. C3r I wasn't rude, I just asked you to re-read you threads before you post them because many things don't make sense and you will not get good answers. I closed it because I didn't want further discussion on the topic. That's it. Enjoy your time here, it's going to be very limited.

Your defo off tren

[73rr]

Wow this one took a turn!

Anyways as for me it's 10% into the 401k, pension from the good old union job. 5 % into o shit find (savings) each check.

As far as cars go I'm addicted to say the least. I restore cars and have 1 roadrunner. (My first and favorite), 2 chargers, 1 is 1970 other is a supercharger 07 and a jeep. Plus the future wife's car. Sooo, yea no smart budgeting for that.

1 credit card that I always pay off every month.

I hope this was the kinda answer u are looking for

[RigPig]

Duh jeez how did you like my reply, friend. I know you already, you know? I feel so close to you. So you made fun of LB because of the way he wrote that sentence. you are down right acidic. nice signature too. i love your link, it shows how S M A R T you are. I don't think you are 'that' smart. i could ding people on there sentences all day, but at the end of the day, i'm just an A hole, not smart. oh god, you are from NY too. that's great. hahaha your disclaimer is retarded too.

Duh indeed lol.
It's ok, I forgive you, and in turn I apologize for not sticking to the topic in your original post. I just felt BG deserved some recognition for that delivery!
Now can you answer Bonaparte's question? I've been wondering myself. I feel the answer may help us help you.

[RigPig]

can you drink winny

Saving on pins! I like your budgeting strategy there Marcus...lol

[RaginCajun]

well that escalated quickly

[RigPig]

well that escalated quickly

It really did hahaha...

[212OlympiaBound]

If you got it, spend it.

If you don't got it, don't spend it.

I like keeping 200-300 grand in stable, fortune 500 investments over a broad market spectrum. That way I could live for a few years if I lost my job. Besides that, there's not a huge reason to save.

[diesel101]

I've been investing money with a local stripper I met awhile back. She is saving and stockpiling my money and when we get enough we are going to run away together and start a new life. I am a lucky man to meet a special woman that would be caring enough to watch out for my wellbeing like that.
I just hope my wife doesn't find out!

[jimmyinkedup]

I've been investing money with a local stripper I met awhile back. She is saving and stockpiling my money and when we get enough we are going to run away together and start a new life. I am a lucky man to meet a special woman that would be caring enough to watch out for my wellbeing like that.
I just hope my wife doesn't find out!

Man I needed that good laugh. Right on time!

[Score]

I've been investing money with a local stripper I met awhile back. She is saving and stockpiling my money and when we get enough we are going to run away together and start a new life. I am a lucky man to meet a special woman that would be caring enough to watch out for my wellbeing like that. I just hope my wife doesn't find out!

I'm doing the same thing, she's really not a stripper though, she's just doing it at the moment to pay off some bills.

She's studying to become a nurse, I'm going to pay for her schooling once we get on our feet.

[Honkey_Kong]

I'm doing the same thing, she's really not a stripper though, she's just doing it at the moment to pay off some bills.

She's studying to become a nurse, I'm going to pay for her schooling once we get on our feet.

Ahh yes, the "I'm just doing this to get through school" story.