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Old 08-16-2016, 06:38 AM   Topic Starter
El Jefe El Jefe is offline
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What do you do with you paycheck
As the title says, what do you do with your paycheck/income. Essentially how do you allocate it? I have got serious about saving for retirement this year, and I have been upping my contributions here recently to about 20% of my paycheck. I don't know how long I will be able to do 20% because it is difficult to do that with a 9month old, because every other day we need something for her lol.

I give 10% of my income (my wife's and my combined income) to charity, really been trying to focus on Cancer research/St. Judes, a girl who works with my wife has a 1year old with horrific cancer, she has done 46 weeks straight of Chemo, they have been trying to raise 15k dollars, so we are donating to that again. I have spent a few of our monthly donations helping people fix their cars at our shop, and that eats that budget up quickly.

I save about 10% of our money each month. The rest is paid on bills; mortgage, utilities, 1 car payment, car insurance, etc.
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Old 08-16-2016, 06:42 AM   #2
El Jefe El Jefe is offline
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Old 08-16-2016, 06:53 AM   #3
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Old 08-16-2016, 06:54 AM   #4
TribalElder TribalElder is offline
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Spend it all

**** saving

You could die tomorrow and look at all the money you wasted

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Old 08-16-2016, 07:48 AM   #5
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Originally Posted by TribalElder View Post
Spend it all

**** saving

You could die tomorrow and look at all the money you wasted

That's one way to look at it.

Another way to look at it is do your best to avoid dying now and later in life, when you'll need your savings.

Also saving now can lead to a better life in the future. What are you going to spend it all on? Booze? Strippers? Expensive entertainment? Fleeting pursuits best taken in moderation.

I keep a running track of my finances across several accounts. On the 10th of every month if I'm up enough I reward myself with a little "cash prize" that goes to whatever the **** I want. Not all of what I saved but maybe a couple hundred bucks, give or take.

Find a happy middle ground.
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Old 08-16-2016, 09:45 AM   #6
El Jefe El Jefe is offline
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Originally Posted by TribalElder View Post
Spend it all

**** saving

You could die tomorrow and look at all the money you wasted

I just don't live like that. We don't live incredibly under our means, but we live a good bit under our means. That being said, I am not naïve, and I know all the money I have worked hard to save could be gone in a heartbeat; major medical issue, lose your job, major house issue, family emergency. Any slew of reasons could cause money to lost quickly, but I have followed a 6months of expenses saved, and have around 4k in petty cash in a safe. I would hate to have something minimal happen that leads to something bad because I didn't stock some money away. So while I understand you cant take it with you, I also don't want short sidedness causing us to lose a house or a car, or fill in the blank.
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Old 08-16-2016, 07:17 AM   #7
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We typically put some in 401K, some goes to savings, the rest as disposable income and bills.

Might have to adjust some; the wife just put in her two weeks notice at work and doesn't have another job. We'll be OK financially, we'll just have to reign in some of the crap spending and take back some of the savings deposits until she gets something new.
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Old 08-16-2016, 07:37 AM   #8
LoneWolf LoneWolf is online now
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Originally Posted by Fire Me Boy! View Post
We typically put some in 401K, some goes to savings, the rest as disposable income and bills.

Might have to adjust some; the wife just put in her two weeks notice at work and doesn't have another job. We'll be OK financially, we'll just have to reign in some of the crap spending and take back some of the savings deposits until she gets something new.
Why did she put in her notice before she had another job?
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Old 08-16-2016, 07:42 AM   #9
Fire Me Boy! Fire Me Boy! is offline
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Why did she put in her notice before she had another job?
She was miserable. As in calling me multiple days in a row in tears (and she's not a big crier). There comes a point where we decided it was better for her to not have a job than continue to put herself under the daily bullshit she was exposed to. Bad enough we've considered talking to employment attorneys and nearly filed an EEOC complaint.
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Old 08-16-2016, 07:45 AM   #10
LoneWolf LoneWolf is online now
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Originally Posted by Fire Me Boy! View Post
She was miserable. As in calling me multiple days in a row in tears (and she's not a big crier). There comes a point where we decided it was better for her to not have a job than continue to put herself under the daily bullshit she was exposed to. Bad enough we've considered talking to employment attorneys and nearly filed an EEOC complaint.
Yep. Happiness should trump income in cases like that. Life is too short to be miserable because of your job. Hopefully she finds something better soon.
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Old 08-16-2016, 07:51 AM   #11
Fire Me Boy! Fire Me Boy! is offline
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Yep. Happiness should trump income in cases like that. Life is too short to be miserable because of your job. Hopefully she finds something better soon.
Hopefully. She's currently in "anything is better than nothing" mode, so she's applying everywhere. I'm actually kind of encouraging her to shift gears and try for something she'd enjoy. She's been in retail her whole life, and she's a very talented cake decorator, so I'm trying to get her to focus mainly on that. Bakeries, cupcake places, caterers, etc.
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Old 08-16-2016, 09:33 AM   #12
El Jefe El Jefe is offline
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Yep. Happiness should trump income in cases like that. Life is too short to be miserable because of your job. Hopefully she finds something better soon.
Could not have said it better.
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Old 08-16-2016, 08:41 AM   #13
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Originally Posted by Fire Me Boy! View Post
She was miserable. As in calling me multiple days in a row in tears (and she's not a big crier). There comes a point where we decided it was better for her to not have a job than continue to put herself under the daily bullshit she was exposed to. Bad enough we've considered talking to employment attorneys and nearly filed an EEOC complaint.
Sounds like an employee I'd like to hire
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Old 08-16-2016, 08:49 AM   #14
Fire Me Boy! Fire Me Boy! is offline
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Sounds like an employee I'd like to hire
She was in a really bad position. Thankfully, we're in a financial position that meant I didn't have to tell her to suck it up longer than she already has. We didn't end up going to the attorney, and the EEOC issue is kind of a moot point now that she's leaving anyway.
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Old 08-16-2016, 09:33 AM   #15
El Jefe El Jefe is offline
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Originally Posted by Fire Me Boy! View Post
She was miserable. As in calling me multiple days in a row in tears (and she's not a big crier). There comes a point where we decided it was better for her to not have a job than continue to put herself under the daily bullshit she was exposed to. Bad enough we've considered talking to employment attorneys and nearly filed an EEOC complaint.
I can completely understand this. My wife has finally got to that point as well, last week I told her "You need to just quit, its not worth the stress" and I thought she was going to. However, she has started putting her resume out there, which it shouldn't be hard for her to land something similar.
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