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Cannot stop fucking spending $$$ - it never ends
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Date: September 8th, 2014 6:05 PM Author: pearl brunch antidepressant drug Since buying my condo I have been in the fight of my life to spend less than $9,000 a month. Furniture, flights to Europe for brother's wedding, food, new suit, etc.
The only savings is that my car is paid off. I make between $9000 and $10,400 after tax and 401K depending on whether SS is capped - so I am not saving much.
Then my bonus will go towards the remainder of the furniture I need and maybe an engagement ring for next year. Not much left to save. |
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Date: September 8th, 2014 6:06 PM Author: Snowy set (rich people problems) (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289599) |
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Date: September 8th, 2014 6:34 PM Author: contagious green bbw library i spent $396,000 last month. preftigious ?
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Date: September 8th, 2014 6:39 PM Author: pearl brunch antidepressant drug paid off you entire house? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289770) |
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Date: September 8th, 2014 7:02 PM Author: contagious green bbw library yep. get the discharge papers this month. also paid for a driveway, new roof, crane and new fence.
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Date: September 8th, 2014 7:04 PM Author: pearl brunch antidepressant drug crane for?
Congrats! |
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Date: September 8th, 2014 7:45 PM Author: contagious green bbw library lifting boat motor for my second boat and for hull work. one of these : http://www.youtube.com/watch?v=bx8swJVLQjQ
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Date: September 9th, 2014 12:36 PM Author: Titillating Sinister Hell Jew Any long voyages? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294582) |
Date: September 8th, 2014 6:07 PM Author: violent gay wizard location Sweet humble brag bro. Seems like you're just a prole with some dough. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289600) |
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Date: September 8th, 2014 6:07 PM Author: fuchsia mentally impaired crotch TBH you sound obtuse as fuck here. Julia-esque humble brag, bro.
You always defend your spending as necessary, "well the suit is required for the wedding!" But in reality much of your spending is a Nutella-like quest for LUXE. You can survive with the $1,500 couch, not the $4,000 one.
Make practical choices and get back to dat stew-in-bag lifestyle. You'll be fine. |
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Date: September 8th, 2014 6:10 PM Author: pearl brunch antidepressant drug I am much better than Julia at humblebragging.
Very little in my life is luxe! I have a 5 year old accord, a free couch that I will replace probably with a $2000 couch (def not $4000). The suit is required, but it's also my second suit, so it's not like a waste of money. I cannot get a suit for $500 that fits properly.
I will eat stew in a bag. Leftovers all week - but that's cause gf invited friends over to watch football yesterday and we bought a lot of food for the party. |
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Date: September 8th, 2014 6:14 PM Author: Orange Market What are you getting for your next car? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289626) |
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Date: September 8th, 2014 6:20 PM Author: pearl brunch antidepressant drug nothing for a couple of years probably. When I was 30 I said that if I can dunk when I am 35 I will buy myself a sportscar.
I turn 35 on Wednesday - hopefully I can still dunk, but the car may have to wait. |
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Date: September 8th, 2014 6:21 PM Author: learning disabled insanely creepy casino Happy EARLy birthday breh. What do u want to do with us XO crew? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289658) |
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Date: September 8th, 2014 6:44 PM Author: pearl brunch antidepressant drug thanks! (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289807) |
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Date: September 9th, 2014 3:47 PM Author: Pontificating Theater what color miata? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295781) |
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Date: September 9th, 2014 3:48 PM Author: pearl brunch antidepressant drug red OFS (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295787) |
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Date: September 9th, 2014 3:54 PM Author: Pontificating Theater The zeal red looks pretty good, but I'd probably cop dat meteor gray. The true red looks lame (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295818) |
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Date: September 9th, 2014 2:51 PM Author: soul-stirring hot foreskin private investor u could've copped that beverly hills tailors bespoke suit and two shirts groupon breh (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295364) |
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Date: September 8th, 2014 6:09 PM Author: abusive fat ankles break down your spending for us in August. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289606) |
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Date: September 8th, 2014 6:19 PM Author: pearl brunch antidepressant drug $3150 - mortgage
$320 - HOA
$800 - property tax - but my GF pays this.
$800 - for part of a dining room set - 4 chairs and half the cost of the bench and table - which will be delivered this month or next month.
$1000 - all food and alcohol - this is for me and my gf. She pays maybe 1/3 of the time, but not for expensive meals. She also cooks a lot and buys groceries.
$750 student loans.
$400 - 2 pairs of new shoes
$300 - directTV, internet, electricity, gas, cell phone (partially paid for by firm)
$2000 - tickets to europe for my brother's wedding for me and my gf.
some other misc |
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Date: September 8th, 2014 6:25 PM Author: Fluffy razzmatazz parlour useless brakes Link to shoes you bought? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289684) |
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Date: September 8th, 2014 6:26 PM Author: pearl brunch antidepressant drug I bought bruno magli shoes on sale at nordstrom for $250 off from $430 or whatever. Also bought a pair of boat shoes and casual sneakers on sale. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289691) |
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Date: September 8th, 2014 6:33 PM Author: iridescent corner boltzmann (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289739) |
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Date: September 8th, 2014 10:46 PM Author: Onyx point That's a phenomenal deal. I have 2 pairs of Brunos (one with laces, one without) and both were $450+.
I had no idea they had deals like that. |
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Date: September 8th, 2014 6:25 PM Author: abusive fat ankles The tickets, shoes and dining room set all seem like one time/incidental expenses... where the fuck else is that money going every month? that's like $3500 right there.
also $1000 for food/alcohol is pretty high. |
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Date: September 8th, 2014 6:27 PM Author: Chocolate temple double fault To different "one-time" shit that month. Dude is obviously just blowing cash to keep up with the various Joneses: lunches out every day, expensive dinners with gf, lulzy 750k condo. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289698) |
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Date: September 8th, 2014 6:30 PM Author: pearl brunch antidepressant drug Walking over to Chipotle or which which and bringing food back to my office is hardly "lunches out" every day, but it still costs $10-12. Yes I get guac on my burrito bowl. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289724) |
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Date: September 8th, 2014 9:06 PM Author: Seedy Ebony Messiness Native are you aware of the gravity trick tho (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290614) |
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Date: September 8th, 2014 10:28 PM Author: Mustard Impertinent Crackhouse Wrinkle (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291262) |
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Date: September 9th, 2014 12:08 AM Author: Cerise underhanded cuckoldry (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292101) |
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Date: September 9th, 2014 1:39 AM Author: thriller nofapping faggotry hall (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292740) |
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Date: September 9th, 2014 3:50 PM Author: Pontificating Theater ? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295796) |
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Date: September 8th, 2014 6:28 PM Author: pearl brunch antidepressant drug well the month before it was a guest bed, bed frame, new rug, friends wedding.
Next month will be brothers actual wedding plus wedding gift.
Then comes Christmas.
These are all one time expenses, but it seems like they come up every month. |
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Date: September 8th, 2014 6:30 PM Author: Zombie-like heady puppy nursing home That's life. And $1000/month on food is pretty moderate. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289720) |
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Date: September 8th, 2014 6:31 PM Author: pearl brunch antidepressant drug exactly. I consider myself a cheap person and sometime shave a hard time seeing how people making $70K in this city maek it. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289727) |
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Date: September 8th, 2014 6:33 PM Author: iridescent corner boltzmann (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289742) |
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Date: September 8th, 2014 6:54 PM Author: Flickering dragon dilemma Because you're spoiled and out of touch. Most people in LA are *raising children* on less than $70k. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289871) |
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Date: September 9th, 2014 1:42 PM Author: honey-headed bearded quadroon (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294899) |
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Date: September 9th, 2014 3:37 PM Author: Dead Peach Orchestra Pit tbf, i think they call them "ninos" (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295733) |
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Date: September 8th, 2014 6:28 PM Author: learning disabled insanely creepy casino $1000 isnt that high for a couple that goes out a cpl times a week (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289704) |
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Date: September 8th, 2014 6:32 PM Author: iridescent corner boltzmann 180 (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289737) |
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Date: September 8th, 2014 9:28 PM Author: painfully honest vigorous university *owns a home* *spends 400 on shoes* *another 2000 on plain tix to europer* *spends 250 per week on food and alcohol* *complains about not having money* *is out of touch* |
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Date: September 9th, 2014 8:46 AM Author: boyish yellow patrolman roommate ugh fuck you for buying one of those stupid tables with benches. no one wants to sit on those things. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26293653) |
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Date: September 9th, 2014 11:53 AM Author: Curious stage Wait so you live together but you pay nearly all the expenses? What does she do? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294435) |
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Date: September 9th, 2014 11:58 AM Author: pearl brunch antidepressant drug She's an accountant. She makes okay money for a millennial.
She pays for all of her shit, her car, her insurance and everything for her dog.
She pays for 1/2 of the groceries give or take and 1/4 - 1/3 of our restaurant meals.
And she pays the $810 property tax as her rent and half of the utilities.
I don't think this is unfair. We both went from paying $1200 per month rent to me buying a big condo. It's my condo and I bought it 3 minutes from my office, not hers. I don't think its reasonable for me to try and split my mortgage cost with her, like I might if I were renting out the spare bedroom to a random. |
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Date: September 9th, 2014 3:14 PM Author: Curious stage If you put all of your joint expenses together in a pool is she at least paying proportionally? I guess if the condo is in only your name I can see the justification for you paying a little out of proportion since you get the equity (assuming she's not all-but-engaged to you). (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295538) |
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Date: December 12th, 2015 12:33 AM Author: talking jet dopamine Have you owned your condo over a year yet? (As long as your deductions are reasonable) you are getting all the property tax back in a refund. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361723) |
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Date: September 8th, 2014 6:09 PM Author: Chocolate temple double fault You overpay for everything and are a vapid consumerwhore. Congrats on living the American Dream. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289607) |
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Date: September 8th, 2014 6:20 PM Author: pearl brunch antidepressant drug The only thing I really overpay for is travel. I try to be shrewd about my food and beverage purchases. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289654) |
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Date: September 8th, 2014 6:22 PM Author: rebellious toilet seat 1000 a month is pretty fucking high (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289665) |
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Date: September 8th, 2014 6:24 PM Author: pearl brunch antidepressant drug i guess i overpay for lunch - but there is not a lot of alternatives to $12 meals in century city.
I guess I could brown bag lunch every day, but most lawyers dont do that...
That's $240 just for lunch at work for myself. We go to 1 $60-70 dinner (for both of us) a week and get random other cheap dining places. Add groceries and you get to $1000 pretty quick. |
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Date: September 8th, 2014 6:26 PM Author: Chocolate temple double fault (guy who spends $3000/year on workweek lunches) (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289688) |
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Date: September 8th, 2014 6:32 PM Author: rebellious toilet seat since i'm a lot cheaper than you, i see tons of stuff to cut back on. food is one item among many. i like to cook big batches once a week. a lot cheaper and healthier than buying lunch.
i would also cut the cord and pay for internet only, and discount the fuck out of my isp. i currently pay $35 for internet and that's it. i got an amazon fire tv and put xbmc on it. that takes care of all tv shows and movies. you could get an nfl package separately if you need sports that badly. personally, i think over the air broadcast is fine for my needs.
i'm also fine with cheap ikea furniture. |
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Date: September 8th, 2014 6:33 PM Author: pearl brunch antidepressant drug how old are you? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289740) |
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Date: September 8th, 2014 6:38 PM Author: swollen poppy knife stage that's not a relevant question. cheap knows no age. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289759) |
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Date: September 8th, 2014 6:40 PM Author: pearl brunch antidepressant drug if you spend 3/4 of a million on a place to live, its weird to furnish it with ikea. When I was renting, everything was ikea or free off the street. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289777) |
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Date: September 8th, 2014 6:40 PM Author: rebellious toilet seat i decided couple years ago that i don't care about nice things at all. i care about experiences and spending time outdoors. i'm a little older than you, i think. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289775) |
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Date: September 8th, 2014 6:41 PM Author: pearl brunch antidepressant drug I like to spend time outdoors but I have no time - too much striving.
what type of experiences? travelling europe, etc? I hate travelling. |
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Date: September 8th, 2014 6:46 PM Author: rebellious toilet seat trying new shit, meeting different people, outdoorsy things like hiking and mountain biking, learning things, getting therapy (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289827) |
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Date: September 8th, 2014 6:50 PM Author: pearl brunch antidepressant drug therapy like with a shrink?
I want to spend 2 weeks rafting the grand canyon with my college roommate who is a guide, but my gf would probably rightly kill me for doing that when I have been bitching that I dont have a free week to go to Italy for the past 3 years. |
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Date: September 8th, 2014 6:55 PM Author: rebellious toilet seat yes therapy.
do the rafting trip. my god, just do it. i was just in that part of the country. amazing nightview and an awesome place to hike and ride bike. i also really liked sedona.
you should look up harvey butchart, a math professor who explored the entire canyon on foot. as big a stud as any i've heard of. |
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Date: September 8th, 2014 7:51 PM Author: Charismatic clown holy fuck fuck faggot italy do the rafting (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290229) |
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Date: September 8th, 2014 7:27 PM Author: Rusted state "I guess I could brown bag lunch every day, but most lawyers dont do that... "
and most lawyers are bad with money.
do you really think youre deriving $240 in utility from the daily baja fresh at the westfield food court? |
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Date: September 9th, 2014 11:51 AM Author: shimmering hairraiser hospital there are lawyers at my firm that want to go out to $20-25 lunch every damn day.
i cannot afford it, in time, money, or calories. i feel like shit turning them down 4 times out of 5, but it's just stupid. |
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Date: September 10th, 2014 6:58 AM Author: Rusted state and i bet they also complain about their student loan debt. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26300354) |
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Date: September 8th, 2014 6:10 PM Author: Sexy brilliant trump supporter cruise ship sounds like you are too fucking poor for your lifestyle (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289609) |
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Date: September 8th, 2014 6:22 PM Author: Primrose den wow that sucks. how much does ur gf save since ur subsidizing her? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289664) |
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Date: September 8th, 2014 6:28 PM Author: Navy field volcanic crater I would hardly call it subsidizing. This is Earl, not Imanagecat supporting his broke ballerina girlfriend (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289702) |
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Date: September 8th, 2014 6:32 PM Author: pearl brunch antidepressant drug yeah basically her rent has gone from $1200 a month to $800 for my property tax. Her expenses are otherwise the same, except she bought a prius to replace her old car which she got rid of. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289733) |
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Date: September 8th, 2014 6:28 PM Author: pearl brunch antidepressant drug she puts a decent amount into her 401K. She spends a lot on her dog which lives with us now.
Otherwise she saves like a millennial. Family has some money though. |
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Date: September 8th, 2014 6:29 PM Author: Vivacious trailer park (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289710) |
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Date: September 8th, 2014 6:29 PM Author: Comical maize ceo can you elaborate on your arrangement with the gf? why does shit go down the way that it does?
also, she pays the property tax. why is this? i'm always curious when i hear that people have these kinds of arrangements; where a contribution is connected to some arbitrarily designated bill.
i had roommates in college that tried to be like, "let's each take a bill." no, nigga, we split that shit evenly.
how did you only own one suit until recently? |
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Date: September 8th, 2014 6:35 PM Author: pearl brunch antidepressant drug well I wanted her to move in and I also wanted her living with me to be a net positive for her money wise. Her previous rent was $1200 so I wanted her to pay no more than $1000 for "rent" and utilities.
$800 property tax is arbitrary - just means she can pay it when its due, rather than every month.
I make 4 times as much as her and I decided to buy the expensive condo 3 minutes from my job - 45 minutes from hers - so its fair that I pay a lot for our existence. |
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Date: September 8th, 2014 6:38 PM Author: Comical maize ceo if it works for you guys, that's cool.
and if you're gonna get married i guess it's all a wash in the end.
3 min commute is awesome. |
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Date: September 8th, 2014 6:41 PM Author: pearl brunch antidepressant drug yeah hopefully engaged mid next year and married year after.
the commute is the only reason I tolerate LA. I never really spend time in traffic. |
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Date: September 8th, 2014 6:51 PM Author: swollen poppy knife stage does she know this timeline? is she on her best behavior (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289852) |
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Date: September 8th, 2014 6:53 PM Author: pearl brunch antidepressant drug we're on the same page. she is a good gf. she needs her dog to be on its best behavior. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289864) |
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Date: September 8th, 2014 6:31 PM Author: iridescent corner boltzmann 180 (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289726) |
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Date: September 8th, 2014 6:36 PM Author: pearl brunch antidepressant drug do you keep up at all with what your ex is doing? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289753) |
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Date: September 8th, 2014 6:39 PM Author: Fluffy razzmatazz parlour useless brakes you srsly only had one suit before? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289768) |
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Date: September 8th, 2014 6:44 PM Author: pearl brunch antidepressant drug yes, i had a hugo boss suit I bought in 2005 which I threw away 3 months ago because it was baggy as fuck and didnt fit. I have one custom suit I got 2 years ago and am getting another this month. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289806) |
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Date: September 8th, 2014 6:39 PM Author: iridescent corner boltzmann Just when internet stalking. But I can't really do that anymore since I defriended her (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289773) |
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Date: September 8th, 2014 6:42 PM Author: pearl brunch antidepressant drug got it. I wonder how she is supporting herself. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289795) |
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Date: September 8th, 2014 6:45 PM Author: iridescent corner boltzmann She nannies and waitresses/bartends and has two roommates. Probably saves nothing and hopefully will be doing the same thing in 10 years. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289813) |
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Date: September 8th, 2014 6:54 PM Author: pearl brunch antidepressant drug lets hope gravity does its duty to her in short order, insha'allah. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289870) |
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Date: December 10th, 2015 10:16 AM Author: Nighttime Canary Elastic Band Tanning Salon Lol (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29349047) |
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Date: September 8th, 2014 6:39 PM Author: Maniacal generalized bond roast beef Just do that "zero spending besides food month." Whenever shit starts spiraling I just cop dat forced low expenses month and shit goes back to normal. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289769) |
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Date: September 8th, 2014 6:49 PM Author: pearl brunch antidepressant drug i cant dodge these "one time" costs. Christmas comes every year, as does my anniversary.
I am not going to refuse to attend weddings because of costs, but fortunately everyone is now married except me.
Car insurance, gym memberships, taxes, something every month. |
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Date: September 8th, 2014 7:00 PM Author: Maniacal generalized bond roast beef You obviously have to go to your brothers wedding (does he not care about forcing everyone to fly to Europe?).
But if you can't save on a combined 300k income, or whatever it is, you're fucked. No matter how you slice it, you household income is pretty fucking high. Also, you don't *have* have your entire condo perfectly furnished right from the start. |
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Date: September 8th, 2014 6:41 PM Author: iridescent corner boltzmann How do you spend only $1000 on food and alcohol
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Date: September 8th, 2014 6:46 PM Author: pearl brunch antidepressant drug never go out. Hara sushi once a week = $60. dollar taco night at Candela = $30.
Otherwise we cook or get quick and cheap meals. I am trying to get gf better at making leftovers and eating them for weeks on end but she is resisting. |
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Date: September 8th, 2014 6:47 PM Author: iridescent corner boltzmann How much do you spend on groceries (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289830) |
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Date: September 8th, 2014 6:51 PM Author: pearl brunch antidepressant drug $300 a month. Since joining costco I've been spending more but have more shit in the freezer/fridge. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289850) |
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Date: September 10th, 2014 7:11 PM Author: Hateful Trip Persian Athletic Conference Only jfc (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26303623) |
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Date: September 8th, 2014 6:45 PM Author: nubile macaca coldplay fan It's either Consumerism or ISIS bro (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289819) |
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Date: September 8th, 2014 6:46 PM Author: pearl brunch antidepressant drug insha'allah (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289826) |
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Date: September 8th, 2014 6:49 PM Author: iridescent corner boltzmann (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289844) |
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Date: September 8th, 2014 6:51 PM Author: marvelous turquoise plaza ladyboy Successful 39 year old doesn't yet own furniture why? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289851) |
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Date: September 8th, 2014 6:54 PM Author: pearl brunch antidepressant drug I'm like 3 years older than you asshole. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289873) |
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Date: September 8th, 2014 7:03 PM Author: marvelous turquoise plaza ladyboy You were a lawyer in 2006 I thought? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289934) |
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Date: September 8th, 2014 7:05 PM Author: pearl brunch antidepressant drug yes, and you were a college student in 2002 when you started posting no? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289956) |
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Date: September 8th, 2014 7:11 PM Author: marvelous turquoise plaza ladyboy no, i was in high school asking for advice on raising my SAT score. i went to college in fall 2004. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290006) |
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Date: September 8th, 2014 9:29 PM Author: painfully honest vigorous university or at least you're shtick was right? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290768) |
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Date: September 8th, 2014 10:25 PM Author: stirring office hominid (idiot) (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291225) |
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Date: September 8th, 2014 6:58 PM Author: floppy cruel-hearted toaster (guy complaining about buying a condo, furniture, new clothes, and traveling) (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26289898) |
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Date: September 8th, 2014 7:53 PM Author: Racy queen of the night menage You probably spend more on yourself in a month than the typical family of 4 does in 6 months. Grats bro. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290243) |
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Date: September 8th, 2014 7:53 PM Author: supple mexican jfc. My takehome is like 1/2 yours. Fuck my life. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290246) |
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Date: September 8th, 2014 9:29 PM Author: razzle-dazzle abode my takehome is like 1/2 yours. fuck MY life (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290769) |
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Date: September 9th, 2014 12:59 PM Author: Titillating Sinister Hell Jew Underrated (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294703) |
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Date: September 9th, 2014 3:12 PM Author: sienna laughsome preventive strike masturbator (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295523) |
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Date: March 3rd, 2018 11:56 AM Author: demanding church building rigpig (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#35526486) |
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Date: December 11th, 2015 10:47 PM Author: apoplectic therapy tcr. this thread is depressing. either i marry well or never have children. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361244) |
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Date: December 12th, 2015 12:40 AM Author: talking jet dopamine Don't live in high cost of living area is really the credited answer. Or be ok living like the ninos.... (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361757) |
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Date: September 8th, 2014 9:26 PM Author: clear laser beams disown brother...? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290742) |
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Date: September 8th, 2014 9:29 PM Author: razzle-dazzle abode ugh (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290765) |
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Date: September 8th, 2014 9:40 PM Author: beady-eyed candlestick maker jewess so you're a spendthrift fag? news at 11 brother. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26290862) |
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Date: September 8th, 2014 10:13 PM Author: Primrose den how much of that mortgage payment is interest?
what are ur xmas and anniversary budgets? |
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Date: September 8th, 2014 10:17 PM Author: pearl brunch antidepressant drug mortgage is $3150 - $900 is principal the rest interest. Such is the first year I guess.
I only buy xmas stuff for my immediate family and gf - maybe $1000 total.
Anniversary depends on if we go away for the weekend - we did cheap this year since I just bought the house. |
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Date: September 8th, 2014 10:19 PM Author: Primrose den why not put more down? is paying that much mort interest helping u with taxes? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291176) |
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Date: September 8th, 2014 10:27 PM Author: pearl brunch antidepressant drug it will help with taxes. I put every penny I had down, without having to sell any investments. 20%.
Good interest rate - 4% |
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Date: September 8th, 2014 10:31 PM Author: Primrose den well if it makes you feel better the principal ur paying down on mortgage and student loans isn't really spend.
if you cant get like 6%+ investment return then a 4% interest rate isnt really helping you out too much. s&p is at a high currently.
u might also want to read up on the marriage tax penalty. |
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Date: September 9th, 2014 1:34 AM Author: fragrant bearded rehab sex offender He makes 4x his gf. IMO, the key will be if/when they plan on selling the house later. The extra $250k w/out capital gains is worth a ton. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292707) |
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Date: September 9th, 2014 1:38 AM Author: Primrose den her extra income will potentially be taxed at the max marginal tax rate. right now it's not. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292733) |
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Date: September 8th, 2014 10:13 PM Author: Glittery Theatre Turdskin You need a gf/wife who makes more money. Problem solved. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291134) |
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Date: September 8th, 2014 10:14 PM Author: Primrose den or kill the dog. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291143) |
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Date: September 8th, 2014 10:23 PM Author: Navy field volcanic crater yes! two soulless strivers would make for a very happy home together! brilliant idea! (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291210) |
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Date: September 8th, 2014 10:34 PM Author: Glittery Theatre Turdskin one billion Chinese can't be wrong, bro (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291310) |
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Date: September 8th, 2014 10:38 PM Author: Navy field volcanic crater earl can seem like a miserable and greedy prick, but i dont think he is really that shallow and money hungry. just a whiney bitch at times (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291337) |
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Date: September 8th, 2014 10:28 PM Author: diverse coffee pot black woman daddy why are you lying to the autoadmit community? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291259) |
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Date: September 8th, 2014 10:28 PM Author: Maroon azn Dude I feel you. I spend money like: Every. Single. Day. There may be an odd Sunday here and there where I'm banged up and eat leftovers or something, but otherwise, I'm dropping cheddar every single day of my life. Shit needs to stop. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291263) |
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Date: September 8th, 2014 10:32 PM Author: Violet Flirting People Who Are Hurt skip your gay brother's gay destination wedding.
No offense |
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Date: September 8th, 2014 10:36 PM Author: hyperactive wonderful headpube party of the first part you sound like a huge faggot, so normal for you. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26291327) |
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Date: September 8th, 2014 11:23 PM Author: Dun Community Account LEAVE EARL ALONE
*CRIES UNCONTROLLABLY* |
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Date: September 8th, 2014 11:08 PM Author: Onyx point A lot of hate ITT. IMO, you have to live a life that makes you feel like you are working hard for a reason. And, at least for me, simply saving money for something down the line is not motivation enough.
You bought a new place and you're intelligent enough to know that you can't fill a 800k place with craigslist and Ikea furniture. If you were going to do that you should have got a 400k condo or just rented.
[edited]
The flight to Europe is for your BROTHER'S wedding, right? I wouldn't even think twice about that expense.
You'll eventually have all the shit you need for your house and the rest will be upkeep and occasional furniture. I'm assuming you put down 20% and don't have PMI, right? And I'm assuming you got a good interest rate since you bought in the last year, right? Okay so the hard part is done.
Your utilities are more than fine. The shoes you bought are an AMAZING deal. Your situation with your gf is your business, but I think that's probably the one area you're kind of screwing yourself a bit. But if you are sure this is the girl you're going to marry then who gives a fuck. Lastly, I don't think $1000/month on food is too much for 2 people at your income level.
One final note: At the age of 35, and with your income, I can totally understand you don't want to fucking brownbag lunch it. |
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Date: September 8th, 2014 11:51 PM Author: Navy field volcanic crater agreed with mostly everything here. it is his brother's wedding. his only sibling, right? the expense here is irrelevant and earl shouldn't be bitching about it. hopefully his brother only gets married once…
just curious. why do u think he's screwing himself with his arrangement with his gf? based on what he mentioned above, she makes 1/4 of what he makes and she seems to be paying 25-30% of their total existence as a couple. he wanted her to move in, and no one forced him to buy an 800k condo 3 minutes from his work. should she really pay for half his mortgage? i mean you're right. if they get married, who gives a fuck, but it's an honest question and i'm genuinely curious what you think would be a fair arrangement.
on a different note, bro, what car are you driving? also, if you don't mind me asking, why are you recently single?
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Date: September 8th, 2014 11:58 PM Author: Onyx point Maybe it's just the pessimist in me that worries things might not work out with her.
He said above "Her previous rent was $1200 so I wanted her to pay no more than $1000 for "rent" and utilities."
So, if she was able to pay $1200, why would it be unfair for her to contribute $1200 now -- the benefit for her is she gets to live in a 800k place that she will have equity in once they are married. doesn't seem like a bad deal.
If he's so sure he's going to marry her why is he so worried about her saving money? It's going to be "their" money/savings/debt soon enough.
I'd rather not say the car, bro.
Recently single because I honestly had started to HATE my gf. She truly made me a worse person and was contributing factor to my drinking. I feel lonely at times now, but I know I made the right decision. She was eating away at my soul. |
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Date: September 9th, 2014 12:01 AM Author: pearl brunch antidepressant drug If things dont work out, I am out a couple of hundred more she could afford per month. She and her dog are homeless. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292052) |
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Date: September 9th, 2014 12:05 AM Author: Onyx point Oh, I thought I had read she pays something like $800 towards the place per month. Maybe I misread.
But in any event, your gf situation was just where I saw most room for improvement. I don't actually think it's a bad set up if it works for you and you guys are happy. |
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Date: September 9th, 2014 12:00 AM Author: pearl brunch antidepressant drug she pays 25% to 30% of the couple expenses, not counting housing of course. But yeah, I bought the house "WE" wanted, but in the area that was convenient for me, not for her.
She would have been happy with a SFD in north orange county somewhere, but if I had the commute she has had her entire life, I would kill myself. |
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Date: September 9th, 2014 1:34 AM Author: pearl brunch antidepressant drug Okay no shitlist.
Basically we are on the same page - 20% down, no PMI. $800K condo. 4% interest rate so good, but not the absolute best possible.
It's just that life is expensive. I thought that I dont really enjoy many luxuries, but if you are willing to pay a little for things that make your life bearable, you eat up your disposable income fast. |
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Date: September 10th, 2014 12:10 AM Author: Flickering dragon dilemma The shit you spend money on is not stuff that makes life "bearable." Your life would be bearable if you didn't spend a grand on food, you entitled POS. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26299123) |
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Date: September 9th, 2014 12:50 AM Author: Mildly Autistic Gold Area Police Squad How much for dat ring? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292422) |
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Date: September 9th, 2014 12:53 AM Author: pearl brunch antidepressant drug 2 ct? $20K? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292466) |
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Date: September 9th, 2014 1:02 AM Author: Mildly Autistic Gold Area Police Squad Tip? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292530) |
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Date: September 9th, 2014 1:06 AM Author: pearl brunch antidepressant drug 25% OFS. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292557) |
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Date: September 9th, 2014 1:08 AM Author: Mildly Autistic Gold Area Police Squad Cut? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292563) |
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Date: September 9th, 2014 1:09 AM Author: pearl brunch antidepressant drug Not sure yet. Haven't gotten to that point yet. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292566) |
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Date: September 9th, 2014 1:14 AM Author: Mildly Autistic Gold Area Police Squad Three years and you haven't popped the question? Suspicious at your age (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292601) |
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Date: September 9th, 2014 1:29 AM Author: pearl brunch antidepressant drug she's 29 (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292683) |
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Date: September 9th, 2014 1:33 AM Author: Primrose den u say that like its young. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292701) |
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Date: December 11th, 2015 10:48 PM Author: apoplectic therapy (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361247) |
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Date: September 9th, 2014 12:53 AM Author: lake frisky ratface immigrant God damn. I spend a shitload more on food and furniture because my wife is always accusing me of being cheap as fuck (even though I propose middle of the road priced shit).
5 years ago she was on board with the "lets be thrifty and save money" thing. Then I put a ring on it and she ruins all of my dreams, one by one. |
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Date: September 9th, 2014 1:03 AM Author: Electric affirmative action piazza $1000 is very high for food/drinks
$4300ish is very high for housing, given your income/non-NYC
The rest just looks like random discretionary spending. Fuck people with destination weddings. |
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Date: September 9th, 2014 1:06 AM Author: pearl brunch antidepressant drug you really think $1000 is high to feed 2 people?
it's impossible to buy a place in NYC where you pay less than $5000 mortgage/fees. An $800K place will run you $4300 in CA with property taxes.
Not so much a destination wedding - his wife is from england and her parents want the wedding there. |
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Date: September 9th, 2014 1:11 AM Author: Electric affirmative action piazza I mean that you were spending a large percent of your income on a house, for a non-NYC dweller.
I guess wedding in UK is okay in that spot, yes. |
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Date: September 9th, 2014 1:14 AM Author: pearl brunch antidepressant drug what do you think is a good guideline for housing? I think people who buy spend a bigger percentage generally. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292603) |
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Date: September 9th, 2014 1:23 AM Author: Spectacular ruddy new version national You can't really count principle as spending as it is not a cost in the traditional sense. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292647) |
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Date: September 9th, 2014 1:34 AM Author: Primrose den hes paying 3k a month in interest and property taxes....math looks way better if he just put more down. idk how much it helps taxes.
also he seems to excuse his gf not saving jack shit really which he shouldnt. |
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Date: September 9th, 2014 2:59 AM Author: Navy field volcanic crater I think it's more accepting it for what it is rather than excusing it. Let's admit it, unless you're a miserable, striving shrew like Julia or Nutella (which probably only makes up < 5% of the female population), you're faced with your typical, irresponsible female. At least his gf has a decent 401k, which is rare for a shitlennial and puts her above her peers (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26293086) |
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Date: September 9th, 2014 1:35 AM Author: pearl brunch antidepressant drug so at the very least I should consider the $1000 a month I pay towards principal as an investment and not spending...
Thoughts on putting an extra $20K of principal down when I get my bonus, versus sticking it in the S&P?
Need to save $20K for DAT RING no matter what I guess. |
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Date: December 12th, 2015 12:38 AM Author: talking jet dopamine S&P and the ring. Or maybe student loans depending on interest. Don't put it on the principal. How much would it bring down your mtg on $600K? $50 p/month?
You should be getting all your property taxes back anyways (although maybe you won't see it, depending on your deductions and AMT) |
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Date: September 9th, 2014 1:41 AM Author: Electric affirmative action piazza Might be true in Los Angeles. The area seems very concerned with appearances (house, car) and probably spends more on it than most other locations.
I usually aim for <= 25% of after-tax on housing. Hardly matters now though, since you own it. |
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Date: September 9th, 2014 1:43 AM Author: pearl brunch antidepressant drug If you dont count the principal as an investment I am well below 25% after tax I think. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292757) |
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Date: September 9th, 2014 1:46 AM Author: Electric affirmative action piazza Yes, if you include her contribution. But you'll probably babby her (or break up) at some point.
Net worth-wise, the principal part is an investment. In terms of liquid and/or feelings of security if it goes pear-shaped, not so much. |
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Date: September 9th, 2014 1:49 AM Author: pearl brunch antidepressant drug fair enough.
I guess the idea is that in the next 5 years, my income SHOULD go up, rents SHOULD go up, but the mortgage payments stay the same.
And 10 years from now, if now babby-pwned and trying to move into a $2 million house, the money I pay each month will be nothing and I will own my own place. |
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Date: September 9th, 2014 1:53 AM Author: Electric affirmative action piazza $2mm is a lot, even in Century City. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292818) |
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Date: September 9th, 2014 1:55 AM Author: pearl brunch antidepressant drug That would be in an area with better schools like Santa Monica. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292833) |
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Date: September 9th, 2014 2:01 AM Author: Electric affirmative action piazza The three closest elementary schools to Century City are both "10's" on Great Schools. What do you mean by better?
(Westwood, Fairburn and Overland) |
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Date: September 9th, 2014 11:46 AM Author: pearl brunch antidepressant drug high schools... (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294405) |
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Date: September 10th, 2014 12:40 AM Author: swollen poppy knife stage WGWAG WGWAG FUCK U ALL BAC U BETTA BELEE DAT (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26299252) |
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Date: September 9th, 2014 1:12 AM Author: Onyx point i don't appreciate u not responding to my post above. u're very close to being on my shitlist u dirty oriental (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292590) |
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Date: September 9th, 2014 1:36 AM Author: pearl brunch antidepressant drug responded you tpd bastard. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292715) |
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Date: September 9th, 2014 1:54 AM Author: Onyx point ty (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292827) |
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Date: September 9th, 2014 1:20 AM Author: Spectacular ruddy new version national Probably not as many antiques where you live as where I do, but craigslist antique furniture is credited. Anything short of very high end furniture made now is crap. Pure crap. To make you feel worse, I have spent about $25k this whole year and that includes a $3800 couch and $1000+ worth of antique furniture. I got two oriental rugs, a hutch, an entry table, coffee table, end tables, a new dining room table and chairs. All of it is extremely nice and is in good shape other than the coffee table which I will ruin anyway.
Of course, I don't go on vacation, eat Walmart food or on the firm's dime, use almost no utilities other than cable/Internet, and have no student loans or mortgage. |
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Date: September 9th, 2014 1:56 AM Author: Onyx point I bought a $1000 rug from Crate & Barrel and it sheds worse than Rasquatch's mom. Is a persian rug the credited route to go?
What is your electric bill? My cable/internet bill alone is like $175 |
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Date: September 9th, 2014 1:57 AM Author: pearl brunch antidepressant drug I need a giant 11 X 10 rung for my expensive couch to sit on and for my gf's dog to rub his asshold on. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292846) |
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Date: September 9th, 2014 3:07 AM Author: Spectacular ruddy new version national Yes, I have bought them for about 10 cents on the dollar. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26293103) |
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Date: September 9th, 2014 1:21 AM Author: Big insecure school cafeteria *dies* (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292635) |
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Date: September 9th, 2014 1:23 AM Author: Spectacular ruddy new version national LOL (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292650) |
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Date: September 9th, 2014 1:39 AM Author: mewling lodge serious question - how many people think "9k after tax" is a lot of money? i was literally about to post something snide ITT but realized many of you are from the midwest, south, etc. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292739) |
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Date: September 9th, 2014 1:41 AM Author: pearl brunch antidepressant drug That's $200K base. It's not a lot of money but I think its more than most people make.
Again after lol CA taxes and 401K. |
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Date: September 9th, 2014 1:43 AM Author: Electric affirmative action piazza Compared to most people in the country, 9k after tax is a lot of money.
Flying (for two) to Europe every month, paying $750/mo on student loan debt, and with a $650k mortgage? It isn't that much. |
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Date: September 9th, 2014 1:45 AM Author: pearl brunch antidepressant drug not counting bonus which is 40-50% of my income... (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292769) |
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Date: September 9th, 2014 1:47 AM Author: Electric affirmative action piazza Fair point. I was unaware of bonus. Approx 50k after tax? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292782) |
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Date: September 9th, 2014 1:49 AM Author: Primrose den should be closer to 100k after tax if its half his total after tax. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292791) |
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Date: September 9th, 2014 1:51 AM Author: pearl brunch antidepressant drug no, around $100K before tax depending what I bill. I make ~$200K base.
I used to save $3000 per month PLUS my entire bonus. Now I will just save my bonus (other than wedding/engagement pwned). That's what I'm bitching about. |
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Date: September 9th, 2014 1:59 AM Author: Onyx point I don't know why but I thought your income was up to 400k. Maybe you were referring to what you hope to make in a few years.
Shit, it's a good thing I stopped drinking. |
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Date: September 9th, 2014 2:01 AM Author: Primrose den then ur bonus is far closer to 1/3 of ur total earnings (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292867) |
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Date: September 9th, 2014 1:49 AM Author: Mildly Autistic Gold Area Police Squad (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292795) |
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Date: September 9th, 2014 1:44 AM Author: Lime cerebral stead nibblets it's by no means baller money but it should be enough to live comfortably (albeit modestly) in 99% of cities (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292765) |
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Date: September 9th, 2014 1:48 AM Author: Electric affirmative action piazza The 1% (in the United States) are NY/SF/livable parts of LA, though. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26292786) |
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Date: September 9th, 2014 11:59 AM Author: Chocolate temple double fault The majority of US HOUSEHOLDS don't take home 9k a month, let alone single earners. This bort has always been absurdly retarded when it comes to income, but 9k takehome is a fuckton of money in all but the most expensive cities, and even in those cities it is substantial. Plenty of families eat for months on this dood's Chipotle budget. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294453) |
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Date: September 9th, 2014 12:02 PM Author: pearl brunch antidepressant drug to be fair, we dont really compare ourselves to the median when it comes to education, intelligence or ability - why should be do the same career or income wise?
I guess it's good to have the perspective that you are so much better off than the average person (especially if you consider children starving and getting murdered in Africa or bumfuckistan) |
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Date: September 9th, 2014 12:06 PM Author: Chocolate temple double fault Just as long as you realize your fiscal complaints are the equivalent of a kid who get into every Ivy but Yale complaining about the Y ding. Sure, there will be some sympathetic ears at H, but everyone else thinks you're a tool. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294474) |
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Date: September 10th, 2014 1:02 AM Author: massive potus that's a ton of money. average household income in America is $45K. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26299370) |
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Date: September 9th, 2014 8:55 AM Author: boyish yellow patrolman roommate You always end up buying new shit if you move even if it's into a new rental apt. It's one of those things you just have to suck up for a while. The table is actually pretty cheap it sounds like.
you prob should have done some CC churning to get miles for the plane tickets but that's about it. |
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Date: September 9th, 2014 12:14 PM Author: Curious stage Monthly cost of home-ownership is too high for your income -- $4270 out of 9500ish = about 45%. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294497) |
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Date: September 9th, 2014 12:16 PM Author: pearl brunch antidepressant drug you count principal and the rent that my gf pays as cost of home ownership?
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Date: September 9th, 2014 12:18 PM Author: Curious stage Is your gf paying her proportional share of all monthly expenses combined? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294511) |
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Date: September 9th, 2014 12:21 PM Author: pearl brunch antidepressant drug What's proportionate?
She pays $800 in "rent" which is obviously not proportionate, but it's my house. She pays half of utilities and maybe 1/3 to 1/2 of groceries. When we go out to eat she pays 1/3 of the time.
Otherwise we pay for our own shit. I buy the furniture for the house.
I make 4 times as much as she does. |
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Date: September 9th, 2014 12:21 PM Author: Navy field volcanic crater don't be a lazy fuck and read the thread. This question has already been asked and answered at least 3x (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294520) |
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Date: September 9th, 2014 12:42 PM Author: Primrose den u r not a personal finance masterman like nutella. should have been able to get the flights with points given you have had so much routine spend.
ur house is very contingent on ur keeping a very high income job, which doesnt feel very safe.
300k marrying 75k sounds as if there will be a bit of a marriage tax penalty.
u seem to expect very little from ur gf financially, this surprises me but im aspie asian.
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Date: September 9th, 2014 1:08 PM Author: Titillating Sinister Hell Jew You're saving over 100k yr. Stop worrying.
Bonus Condo equity 401k
Shoes, furniture, and direct TV seem crazy but whatever floats ur boat. |
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Date: September 9th, 2014 1:35 PM Author: pearl brunch antidepressant drug direct TV is crazy? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294863) |
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Date: September 9th, 2014 1:46 PM Author: bipolar geriatric house Tell your brother if he wants to get married in Europe he can either pay for some of the travel expenses or not count on you being there, especially since you have to pay for two people to fly out (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294920) |
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Date: September 9th, 2014 1:48 PM Author: pearl brunch antidepressant drug he's paying for the hotel. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294929) |
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Date: September 9th, 2014 1:51 PM Author: thriller nofapping faggotry hall it's your own fault for insisting on being within 5 minutes of work. If you could deal with just a 30 minute commute, you could find a much cheaper place up in the hills (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294944) |
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Date: September 9th, 2014 1:58 PM Author: Navy field volcanic crater CR (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26294991) |
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Date: September 9th, 2014 2:05 PM Author: pearl brunch antidepressant drug long commutes fucking suck. Even 30 minutes each way is 1/5 of your non sleeping, non working time. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295040) |
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Date: September 9th, 2014 3:01 PM Author: Olive angry shrine wtf i thought you worked at chill as fuck midlaw bro? you get off at 7 and are in bed by 9:30? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295447) |
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Date: September 9th, 2014 3:15 PM Author: boyish yellow patrolman roommate How the hell is working until 7 every day considered a "chill" job? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295550) |
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Date: September 10th, 2014 12:14 AM Author: Olive angry shrine chill law bro meet 'n and confer 'n, whiskey in desk, blow'n file 'n deadlines (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26299143) |
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Date: September 9th, 2014 2:28 PM Author: lascivious organic girlfriend ticket booth I see a whole host of issues :
+ 750k condo is pushing it, but without knowing the details of the area I'm not sure if you bought it at peak bubble or if it's an area with more upside.
+ your g/f who doesn't make jack shit bought a Prius...I'm guessing new? That's a $20-30k car she has no business buying. Save me all the "monthly cost / want something reliable w/ a warranty" rationalization. The whole concept of thinking about purchases just as a monthly cost vs. the total cash outlay is why people are perpetually leveraged.
+ your mortgage sucks. 4% on what is probably a 30yr? I have 3.5% on both the 15yr mortgages on our properties |
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Date: September 9th, 2014 2:45 PM Author: Navy field volcanic crater where are your properties located? no need to provide outing info, but is it in a high col area? also, did you purchase pre 2007?
i would hardly call making 75k for someone who is under 30 "jack shit" income. he chose the condo 5 minutes from his work and her commute is apparently close to an hour. what type of vehicle do you recommend she drive if you think owning a 20k car is overextending herself financially? |
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Date: September 9th, 2014 3:24 PM Author: lascivious organic girlfriend ticket booth Bay Area, so higher COL than where he lives. Current market value of both our places is ~1.2 mil w/ approx 50% equity at this time. One was purchased in '07 the other in '10; both well above their original purchase price, especially the '10. Refi'd both to 15's in the past couple of years.
We're looking to buy a 3rd and rent out our current home. For us, 2 paid off rental properties spitting out inflation adjusted rental income is part of our overall retirement portfolio.
I didn't see where her income was listed above. If she makes $75k that's 'ok' money, but nothing really to write home about for someone aged 25-30 in a high COL area. It's certainly not new car in the $20-30k range. She can buy a perfectly reliable USED Honda Fit with under 30k miles for $10-12k. Again, I'm sure the "well, it's only $X more a month + I want something with a warranty" line of rationalization was used on this purchase. Well, as the OP is a perfect example of, those monthly costs do add up to real money. |
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Date: September 9th, 2014 3:25 PM Author: pearl brunch antidepressant drug when did you buy two homes in the bay area? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295638) |
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Date: September 9th, 2014 3:31 PM Author: lascivious organic girlfriend ticket booth We each owned a property before marriage. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295681) |
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Date: September 9th, 2014 3:34 PM Author: pearl brunch antidepressant drug can you just give me a year range please?
I bought my place 3 months ago. I didn't have money to buy before that.
So it's not really fair to give me shit for not buying it 4 years ago when it might have been 20% cheaper. Or 15 years ago when it might have been 40% cheaper. |
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Date: September 9th, 2014 3:37 PM Author: lascivious organic girlfriend ticket booth It is fair to give you shit for buying a $750k condo w/ a salary of $200k. You're way over 3x at that point, with 3x being the absolute upper limit as is. Unless you already have a pile of accumulated wealth, you overspent regardless of the time of your purchase. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295730) |
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Date: September 9th, 2014 3:41 PM Author: pearl brunch antidepressant drug I make about $300K including bonus.
No wealth but about $500K in assets other than my condo.
Is it realistic to expect professionals making decent money to buy a 1 bedroom condo in Torrance for $500K?
What would you do if you did not have property that you inherited or whatever. |
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Date: September 9th, 2014 3:59 PM Author: lascivious organic girlfriend ticket booth If you make $300k then the $750k condo isn't out of line.
What I'd recommend, and personally have done is to purchase unattended laundromats. You can go one of two ways, ones that are true coin-ops that give you a LOT of IRS flexibility OR ones that use payment card systems. The latter are a bit more accountable so to speak, so less of the advantages of a pure cash business.
For 300-400k you can buy a 'mat that gives you easily $50-75k of IRS declarable cashflow. A coin-op will take ~2hs a week of your time to go empty the boxes. A card-based ones you almost never have to bother going in. They all have automatic doors + cameras which can give you pretty lulzy things to look at from time to time when you check the cams.
Bonus, roll your g/f's overpriced Prius lease as a business expense and write it off. |
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Date: September 9th, 2014 4:01 PM Author: pearl brunch antidepressant drug what cities? I don't think I have ever seen a laundromat in LA - maybe one... (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295882) |
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Date: September 9th, 2014 4:05 PM Author: lascivious organic girlfriend ticket booth Of course you haven't, they're not around the places you or I would live or work. However, they're all over socal and mexicans are the best customers.
http://www.bizbuysell.com/buy/ |
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Date: December 12th, 2015 12:46 AM Author: talking jet dopamine You didn't go to a laundromat when you had your $1200 rent?? (which is cheap in LA) Your building must of had laundry on site. They are everywhere outside of westside/BH/PP (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361777) |
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Date: September 9th, 2014 2:49 PM Author: pearl brunch antidepressant drug We are not at peak bubble and I did not buy it in 2007.
There is always an upside in the nice parts of west los angeles - We are not talking buying McMansions in Riverside for $700,000.
Yes I could have gotten a 3.5% of less mortgage if I went 15 year. |
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Date: September 9th, 2014 2:53 PM Author: Navy field volcanic crater why didn't you do 15 year? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295374) |
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Date: September 9th, 2014 2:57 PM Author: Primrose den he'd pay less interest overall (but a dollar he pays in mortgage interest is prolly more like 60 cents cause of mort interest deduction) but the monthly payment would be huge compared to his base sal.
it seems like most ppl buy a lot of house in LA. my family there bought 800k worth 2 years ago on an income of 150k. they put more down though. his issue is he cant not make at least 200k until he pays down the mortgage or sells. also he's completely absolved his SO of meaningful financial responsibilities. |
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Date: September 9th, 2014 2:59 PM Author: pearl brunch antidepressant drug because I can afford to pay $3150 a month for the place, not $4900. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295421) |
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Date: September 9th, 2014 3:34 PM Author: lascivious organic girlfriend ticket booth Thus, you really can't afford your $750k if not for a ridiculously long loan term which you're paying a comparatively high interest rate on.
I can pay off both my 15yr's TODAY if I want. I only carry the mortgages because at 3.5% the money is cheap relative to the returns I'm getting in other investments. If I started getting a 0 rate of return elsewhere those mortgages are going bye-bye in a flash. |
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Date: September 9th, 2014 3:39 PM Author: Primrose den ur just being obnoxious at this point. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295740) |
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Date: September 9th, 2014 3:40 PM Author: Navy field volcanic crater (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295750) |
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Date: September 9th, 2014 3:43 PM Author: pearl brunch antidepressant drug rich guy whose rich wife each inherited properties or were given down payments in 2002 from family bragging about 15 year mortgages... (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295766) |
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Date: September 9th, 2014 3:56 PM Author: lascivious organic girlfriend ticket booth Sold company I founded to Fortune 50, but I've never made a single purchase decision in my life based on the wealth I accumulated from that deal.
I've made ONE ridiculously out of line purchase in my life on the advice of someone who convinced me of the value, and years later he was 100% dead on right and I'm glad I bought what I did when I did. |
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Date: September 9th, 2014 3:59 PM Author: pearl brunch antidepressant drug lucky, rich, and good timing. congrats. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295862) |
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Date: September 10th, 2014 12:06 AM Author: tripping halford locus The pumo is being a faggot, and not the cool kind like you.
When you make 10 times the average state income, you can afford a house that costs twice the state average. Even a $1m mortgage would be okay on your income.
Your budget looks pretty similar to mine (except I save the money you are putting into a mortgage/loans, travel using points, and blow 1k a month on consumer goods.)
EDIT: I also spend a grand a month on food, fuck the haters. |
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Date: September 9th, 2014 3:07 PM Author: self-centered shaky address reading party Wow, exclaims his girlfriend, we sure furnished this apartment quickly!
Fortuitously for her, Earl had already sampled the couches and beds and the occasional dining table and knew which were clean and disease free. Just think of Earl as he brazenly revisits the homes of gentlemen he met through other craigslist fora, asking them for help with the loads, jamming and stuffing their goods into his tight corolla, earl moaning with the familiar sounds of his parsimonious ecstasy |
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Date: September 10th, 2014 12:39 AM Author: swollen poppy knife stage is this your work or H.'s (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26299244) |
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Date: December 10th, 2015 10:06 AM Author: self-centered shaky address reading party wtf (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29348997) |
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Date: September 9th, 2014 3:45 PM Author: iridescent corner boltzmann So Earl you still save over $100k a year? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295778) |
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Date: September 9th, 2014 3:47 PM Author: pearl brunch antidepressant drug Not this year. Especially if I expect to finish furniture buying and buy and engagement ring next year. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295780) |
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Date: September 9th, 2014 3:53 PM Author: iridescent corner boltzmann How much more would you be saving if you stayed in your apt? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295811) |
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Date: September 9th, 2014 3:54 PM Author: pearl brunch antidepressant drug probably $120K this year. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295820) |
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Date: September 9th, 2014 3:56 PM Author: iridescent corner boltzmann Fuck (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295833) |
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Date: September 9th, 2014 3:55 PM Author: iridescent corner boltzmann Aside from your brother's wedding how much will you spend on travel this year? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295825) |
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Date: September 9th, 2014 3:58 PM Author: pearl brunch antidepressant drug spent $400 going to Florida for memorial day.
Drive to SF a few times - $70 each for gas.
Flying to a bachelor party in SF - $200.
That's it unless I go somewhere for xmas which is unlikely. |
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Date: September 9th, 2014 3:56 PM Author: iridescent corner boltzmann Did you consider getting a duplex (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295837) |
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Date: September 9th, 2014 3:59 PM Author: pearl brunch antidepressant drug where do they have duplexes near by? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295857) |
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Date: September 9th, 2014 4:08 PM Author: iridescent corner boltzmann idk. my co worker copped a triplex off melrose for $1MM and claims his tenants pay the mortgage (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295923) |
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Date: September 9th, 2014 5:19 PM Author: pearl brunch antidepressant drug his dad gave him 50% down, maybe. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26296432) |
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Date: December 12th, 2015 12:50 AM Author: talking jet dopamine And please link to a duplex in a good location like off melrose that is just $1M and not a fixer upper that needs $200K in work. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361785) |
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Date: September 9th, 2014 4:11 PM Author: iridescent corner boltzmann whats your total debt now (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26295948) |
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Date: September 9th, 2014 11:42 PM Author: drab hairless dysfunction lol if you were shrewd and decadent like me, you would've flown free to england in first class instead of $2k for ttt economy tix. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26298999) |
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Date: September 10th, 2014 12:12 AM Author: Pink impressive public bath doctorate he also would also camp out in the concorde room in LHR and tell his friends he discovered a luxe hidden wine cave in london. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26299134) |
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Date: September 10th, 2014 8:56 PM Author: Onyx point please explain how u flew free to england in first class? (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26304411) |
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Date: September 10th, 2014 7:00 AM Author: vermilion vibrant stain stock car http://ilarge.listal.com/image/6924466/968full-milana-vayntrub.jpg (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26300356) |
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Date: September 10th, 2014 10:00 AM Author: Stubborn fiercely-loyal gunner site When you are blowing over 4k on your housing that right there is the fucking problem. Shouldn't your housing costs never exceed 25% of your tax home? Whatever, you are fucking yourself. What if the real estate market tanks, or hell just stays flat. You are sitting on a six figure mess.
The other shit is of course your student loans, but guess there isn't much you can do about that. $300 for cable and internet and other shit is way too much. Get that shit under $100. You prob work a ton so why waste money on this shit. Get a $50 a month prepaid cell plane.
$1000 for food/drinks is not that bad, esp for two ppl.
$400 for two pairs of shoes is LOLZ. If you do that a lot for clothing then you are probably fucking yourself. You could have gone to Marshalls and gotten two pairs of nice dress shoes for under $100.
$2000 for tickets to Europe is a lot. I hope that is for both of you. You maybe could have flown Norweigian air to Europe for a lot less.
Anyway, you're a typical dumb as fuck milliniul blowing all the money you make. If BIGLAW does not last then you will be fucked.
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Date: September 10th, 2014 10:10 AM Author: at-the-ready appetizing box office Marshalls lol payless you could have got 3 for 100 over labor day weekend (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26300681) |
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Date: September 10th, 2014 10:11 AM Author: Stubborn fiercely-loyal gunner site I am cheap as fuck and don't even shop at Payless breh (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26300688) |
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Date: September 10th, 2014 10:32 AM Author: at-the-ready appetizing box office (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26300800) |
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Date: September 10th, 2014 10:15 AM Author: tripping halford locus Living the high life right there.
I got my last pair of shoes by trading them to a homeless man on the corner in exchange for bottle of cheap whiskey. |
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Date: September 10th, 2014 11:05 AM Author: Stubborn fiercely-loyal gunner site I have one pair of dress shoes and one pair of normal shoes. My last pair were actually 60$ nikes but I cut a hole in them one day by running into something drunk so I went to H&M and found these okay looking $15 shoes. Problem is that the soles come out so I need to superglue them in, but they look okay and aren't that uncomfortable.
Fuck Americans spending money they dont have. |
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Date: September 10th, 2014 8:49 PM Author: thriller nofapping faggotry hall lil breh you got to strike a balance. go to kohls and use their coupons to get deals on asics/nike athletic shoes. i have 3 pairs of rokin leather dress shoes and boots, and they each ran me $150, but they'll last me forever. (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26304366) |
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Date: December 12th, 2015 12:51 AM Author: talking jet dopamine payless...dude he doesn't work at target. there are limits to cheapness (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361789) |
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Date: December 11th, 2015 11:02 PM Author: apoplectic therapy RUBBER | SOLE | SHOES (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361307) |
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Date: September 10th, 2014 8:50 PM Author: Dead Peach Orchestra Pit (Obama) (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#26304368) |
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Date: December 12th, 2015 12:55 AM Author: Medicated Multi-colored Dingle Berry Cuck This thread makes me want to break shit (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361808) |
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Date: December 12th, 2015 1:15 AM Author: iridescent corner boltzmann (http://www.autoadmit.com/thread.php?thread_id=2668914&forum_id=2#29361912) |