I suck at money
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Poast new message in this thread
Date: December 14th, 2014 5:57 PM Author: brindle area
Just learned that my bonus, after taxes, will be about $50k. Was thinking this would be enough to pay off my largest loan and take a couple nice trips. Then I checked my credit card balances and somehow in the last few months managed to rack up over $35k…. not sure how the fuck that happened. Was more or less in the same situation last year, except smaller bonus and smaller credit card debt.
Halp? I know I shouldn't have credit card debt when I'm making over $200k in salary.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26929615) |
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Date: December 15th, 2014 11:03 AM Author: rambunctious umber stock car
Move to a cheaper neighborhood. $4800 is absurd. I'd suggest the UWS. Much cheaper (and very nice) apts available.
Stop spending so much on dinners. Even dinner at EMP, w/ a reasonably priced bottle of wine, shouldn't run you over $800. How many of these are you going to that you're racking up all this CC debt?
What the fuck else are you buying?
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26934381) |
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Date: December 16th, 2014 1:11 AM Author: brindle area
The apartment is one thing that is non-negotiable for both of us. We aren't going to leave the neighborhood, and we're professionals so the idea of living in a fourth-floor tenement building is not appealing. After rent and loans we still have a little over $8,000 for the month between the two of us, so it shouldn't be too difficult to live on that.
We only have $500+ dinners for special occasions, but probably have dinners out in the $200-300 range (for both of us) twice per week on average. I can see how that would add up, so I guess I can try to limit those.
After that, next biggest monthly expense is probably Fresh Direct. We spend between $600 and $800 there a month for both food and alcohol. We don't spend much on clothing, although I usually buy a new suit once a year or so ($1k).
Probably the biggest area of cost is travel. We often fly business class and tend to stay at nice resorts/hotels because my wife likes them. Looking at my credit card statements over the past year, a lot of the major expenses were travel-related.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26940226)
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Date: December 17th, 2014 9:40 AM Author: rambunctious umber stock car
you're spending 400-600 a week on dinners out? I can only imagine that a lot of that is alcohol (unless you guys are hitting the chef's tasting menu everywhere you go). That's 2000+ a month on dinners out, plus the odd 500+ meal? You've got to be able to cut that shit down.
And how the fuck is your grocery bill 600-800? A 3 day supply of chicken thighs costs like 10. Are you just hitting those billecart-salmon vintage bottles non-stop?
Staying at nice hotels is credited but business class? Flame unless you're like 6'5" and just can't live w/o dat leg room. Also, how often are you traveling? I though you were a big lawyer. That's like two big vacation a year.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26947771) |
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Date: December 21st, 2014 11:51 PM Author: brindle area
Yeah, I agree about the dinners. Honestly I didn't really think about it until I just looked at my CC statement.
Mostly normal groceries with a fair amount of alcohol and a few splurges. The only grocery stores in the area are expensive so we rely mostly on Fresh Direct.
We shoot for two weeklong vacations per year, although we don't always make them. Usually have at least one weekend trip away per month. We fly coach for short weekend trips, such as to Chicago or Miami, but for cross-country I always try to get us a good deal on business (or we use miles to upgrade when possible). Generally do coach for international flights since the cost difference on those is significant and foreign airlines have much better coach cabins anyway. So we're not ALWAYS flying business/first.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26978472) |
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Date: December 22nd, 2014 12:02 PM Author: rambunctious umber stock car
i really do find that it's not the big dinners that get you. it's all the "little" ones where you get drinks at Milk & Honey afterward and then, all of a sudden, you're down like $350.
In a lot of ways it's amazing that lunch at ABC Kitchen will run you nearly the same amount of money as lunch at Jean-Georges.
Got to eat in a lot more. Or hit up criff dogs.
Honestly, 1 weekend trip a month also sounds pretty high. Do you have a lot of friends all over the place or something?
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26980199) |
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Date: December 21st, 2014 12:47 PM Author: chocolate magical antidepressant drug half-breed
"We aren't going to leave the neighborhood, and we're professionals so the idea of living in a fourth-floor tenement building is not appealing."
WUT? She makes 35k/yr but is a "professional" and can't imagine living in a walk-up?
Divorce.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26974239) |
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Date: December 21st, 2014 11:04 PM Author: sable double fault
Uh....yeah but you splurge on rent, food, and travel.
PICK ONE.
MAXIMUM you should pick one.
Also fuck you, there are WAY cheaper places for same QOL.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26978040) |
Date: December 15th, 2014 11:12 AM Author: Self-centered pocket flask
make a list of everything you spend money on, and make a second list of all the ways you are a faggot. commit to eliminating one thing from each list every month. by the end of the year you may still be poor but at least you will no longer be a faggot.
don't spend more than $3,000/mo on rent and don't spend more than $500/mo on fancy dinners.
LIFEHACK for cutting major alcohol expense with dinners: drink in ur apt beforehand, and bring ur own bottle of wine. making cocktails with ur girl is fun and starts you off right, and providing ur own wine will save you hundreds.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26934431) |
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Date: December 15th, 2014 11:22 AM Author: coiffed mind-boggling public bath trust fund
also, buy the cheapest wine possible, then apply your OWN homemade label to it when you take it out.
it could be called "faggot's mystery wine" everyone will ooh and aaah, it will be amazing and cheap.
ywia
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26934479) |
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Date: December 15th, 2014 11:51 AM Author: Self-centered pocket flask
that's a great idea for the status conscious. sommeliers would literally slob ur knob for a chance to taste a bottle with a MINIMALIST AS FUCK label, black font on white background:
XO Private Reserve
Cabernet Sauvignon
Napa 2008
Case (hand written) __/10
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26934644) |
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Date: December 21st, 2014 12:44 PM Author: wonderful filthpig
lol
"faggot's mystery wine"
all lowercase
in frenchy cursive that makes it slightly difficult to make out
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26974223) |
Date: December 17th, 2014 11:48 AM Author: Filthy Tanning Salon
So you did well in law school. Hit the ole biglaw lottery 160k--NYC, woot woot. Because you've "made it" you now want to live the life you see on TV and movies (Manhattan Apartment, regular dinners at fancy places with a bottle of wine, etc). And now you're wondering where your money went.
Do I have that all right?
If so, here's the solution(s):
1. Reevaluate how great this life you're living really is.
2. Stop spending money. Seriously, there's no magic trick. You just don't spend money.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26948417) |
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Date: December 21st, 2014 12:55 PM Author: dashing chartreuse feces
Cr. You have to change the fundamental way you are looking at your life. You are subscribing to what I like to call the Bourgeois Fallacy, which is that buying certain goods and services can make you a better person. Rather than being a slightly milder version of your current snob self, you need to become an anti-snob. Rather than waking up in the morning and thinking, how can I consume as much expensive stuff as possible, you should ask yourself, how can I consume as little expensive stuff as possible. If you see some dinner to trip that costs a huge amount, be suspicious, not reverential.
You can make a little game out of it. Set a daily or weekly budget for yourself and see how far under budget you can go. I sometimes have "dollarless days," where I go a whole day without letting go of a single Washington. You're emphasis needs to be not how much can I consume, but how much can I save? Once you start thinking that way, you will get the hang of it pretty quickly.
(http://www.autoadmit.com/thread.php?thread_id=2756349&forum_id=2#26974274) |
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