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Old 08-16-2016, 06:38 AM  
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, 12:46 PM   #46
Demonpenz Demonpenz is offline
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It takes time and it takes actually knowing that change is hard. I will say earlier in the thread that sometimes jobs suck so bad you just need to get out of there before you waste too much of your life there. If you are in tears everyday it is time to get out of there. The one mistake I make is taking a job too quickly because of the fear of not being able to pay bills. You got to make a smart choice when choosing a job or you will end up in the same situation. As with anything in life...if you count on your job, your family, your spouse, money, sex, sports, if you count on anything other than yourself for happiness you are going to be ****ed. Hitch your wagon to finding inner peace or helping others or religion or something more stable than material and other bullshit.
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Old 08-16-2016, 12:49 PM   #47
Demonpenz Demonpenz is offline
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I had to go to the hospital last year and that wiped me out. So that was a bummer, but the good thing is I already had some character traits to get back on the horse and start saving again.
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Old 08-16-2016, 01:06 PM   #48
DJay23 DJay23 is offline
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After the ex wife essentially hit the reset button on my finances (she didn't put me in debt, but damn near did) through the settlement and finishing paying alimony a year ago I have aggressively saved close to 40%. The rest is budgeted to the penny. I had to start budgeting to get by after the ex left (I should have been doing it before). It gives you a wonderful piece of mind to know where every penny you own is at.
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DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.DJay23 would the whole thing.
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Old 08-16-2016, 01:35 PM   #49
El Jefe El Jefe is offline
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Quote:
Originally Posted by Demonpenz View Post
It takes time and it takes actually knowing that change is hard. I will say earlier in the thread that sometimes jobs suck so bad you just need to get out of there before you waste too much of your life there. If you are in tears everyday it is time to get out of there. The one mistake I make is taking a job too quickly because of the fear of not being able to pay bills. You got to make a smart choice when choosing a job or you will end up in the same situation. As with anything in life...if you count on your job, your family, your spouse, money, sex, sports, if you count on anything other than yourself for happiness you are going to be ****ed. Hitch your wagon to finding inner peace or helping others or religion or something more stable than material and other bullshit.
Quote:
Originally Posted by Demonpenz View Post
I had to go to the hospital last year and that wiped me out. So that was a bummer, but the good thing is I already had some character traits to get back on the horse and start saving again.
Great posts. Your first post, that is arguably my biggest fear, would be to lose my job and panic and take the first thing I found and not wait for the right fit. I would feel like a bum not having a job, and I feel like I would want to take something quickly and it would hurt me money wise. On your second post that is a fear that piggy backs on my first fear, if something happens you cant control and it wipes your money out, there isn't much to do, but start over. That would suck.
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Old 08-16-2016, 01:38 PM   #50
El Jefe El Jefe is offline
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Quote:
Originally Posted by DJay23 View Post
After the ex wife essentially hit the reset button on my finances (she didn't put me in debt, but damn near did) through the settlement and finishing paying alimony a year ago I have aggressively saved close to 40%. The rest is budgeted to the penny. I had to start budgeting to get by after the ex left (I should have been doing it before). It gives you a wonderful piece of mind to know where every penny you own is at.
My wife's uncle went from having 400k in retirement, two houses, and numerous corvettes. To having to rent a house, no retirement, driving a kia spectra, and she took pretty much everything nice he had in their divorce. She had not worked since they got married (20+ years) and they just raped him in court.
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El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
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Old 08-16-2016, 01:40 PM   #51
Iowanian Iowanian is offline
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- Nice to have's like back to school
-Shit I want

-WOOOOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!! BAM BAM BAM BAM WOOOOOOOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOO with what is left.
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Old 08-16-2016, 02:15 PM   #52
scho63 scho63 is offline
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My paycheck goes to:

www.whores.com

www.escorts.com

www.coke.com

www.steak-and-beer.com

www.great-food.com

www.top-100-restaurants.com

www.sports.com

www.party.com

www.golf-and-booze.com

www.vacation.com

www.porn.com

www.best-beaches.com


Ya know, the important stuff.
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Old 08-16-2016, 02:17 PM   #53
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The best step toward savings I've done (other than a contributing to 401K/Roth IRA) is to direct deposit my paycheck into several accounts, only one of which I pay attention to (the everyday expense account).
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Old 08-16-2016, 02:58 PM   #54
Hog's Gone Fishin Hog's Gone Fishin is offline
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Old 08-16-2016, 03:17 PM   #55
Rain Man Rain Man is offline
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I dump some off in an IRA before I even see it, which is nice.

For the rest, I have very few bills these days:

Credit card bill, which is usually quite large because I put everything on it (and then pay it off each month)
A couple of utility bills - gas, cable.
A couple of tax bills

That's pretty much it. I always have some cash on me because I can't stand how modern people walk around with no cash, and yet I very seldom use it.
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Old 08-16-2016, 03:19 PM   #56
suzzer99 suzzer99 is offline
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Drugs and alcohol 25%
Donald Trump campaign 25%
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Your sister 20%
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Food / Gas / Utilities 5%
Sister must be worth it. Please PM contact info.
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Old 08-16-2016, 04:27 PM   #57
Simply Red Simply Red is offline
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Old 08-16-2016, 04:43 PM   #58
88TG88 88TG88 is offline
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88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.88TG88 has just been standing around suckin' on a big ol' chili dog.
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Old 08-16-2016, 04:44 PM   #59
ThaVirus ThaVirus is offline
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Credit card bill, which is usually quite large because I put everything on it (and then pay it off each month).

Racking up air miles, cash back or points?
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Old 08-16-2016, 05:00 PM   #60
Rain Man Rain Man is offline
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Racking up air miles, cash back or points?
Air miles. I haven't made an effort to optimize it so it's just habit and inertia, but I like to travel and this is a good way to build in an excuse for it. We're a major United Airlines hub in Denver, so a United card here is kind of magical.

We have a Southwest Airlines card for my company, which we use for employee travel. We pay our health insurance bill on it monthly for 10 employees and put other business expenses on it, so it racks up miles like a trucker on amphetamines. As the cardholder I get to take my wife for free anywhere I go just because it pulls in enough miles to make me special in their eyes. Best deal ever.
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