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11-11-2023, 12:48 PM | #46 |
El Gato Gordo Loco
Join Date: Apr 2006
Location: Earth
Casino cash: $1961241
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I'm very happy. Just different than most neurotypical people. What makes most NT's happy makes me unhappy. Part of that is why I was able to get ahead financially and I was blessed to have great parents who helped me be an extremely high functioning ASD.
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Posts: 46,499
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11-11-2023, 12:59 PM | #47 |
Politically Incorrect
Join Date: Feb 2009
Location: Scottsdale, AZ
Casino cash: $2301110
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Kids cost a hell of a lot more than those things dipshit.
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"The only difference between sex for free and sex for money is that sex for free costs you a WHOLE LOT more!" ~Redd Foxx~ "The men who drafted Patrick Mahomes" |
Posts: 50,940
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11-11-2023, 01:00 PM | #48 | |
Beyond the Rapids
Join Date: May 2003
Location: Langley, VA
Casino cash: $-370000
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Quote:
But there’s nothing that says a parent has to struggle. Most are doing absolutely fine. |
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Posts: 80,659
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11-11-2023, 01:02 PM | #49 |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $1670752
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To me, having a child hasn't been much of a financial burden. It's the time burden that is difficult.
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Hey Loochy, I'm hoooome! |
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11-11-2023, 01:26 PM | #50 | |
Starter
Join Date: Feb 2009
Casino cash: $1501445
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Quote:
The money part though, was the biggest struggle. Didn't make the money I do now for most of those years so you have to know when to say no to certain things. One got married and moved out in March, the other is in school an hour away and comes home on weekends. The drop in expenses is more than noticable. Things as simple as water bill being half what it was and having a fraction of what I used to spend on food makes you realize how expensive kids can be. |
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11-11-2023, 01:36 PM | #51 |
In my youth i pray to keep
Join Date: Nov 2013
Location: Clown World
Casino cash: $2469850
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I don't because every time i add money to my savings account something on my car or in my house breaks.
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Posts: 15,868
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11-11-2023, 01:45 PM | #52 |
NFL's #1 Ermines Fan
Join Date: Jul 2001
Location: My house
Casino cash: $2848491
VARSITY
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Since the big inflation bump, we eat at restaurants a lot less It's not worth the money to pay $30 for a burger and fries and soda. My wife retired and likes to cook, so I have restaurant-quality food at home now most days.
Working from home cut my dry cleaning bill a lot. It went from about $500 per year to about $50 per year, which is mostly getting shirts pressed since that's not a great skill of mine. Most days I'm just wearing track pants and a t-shirt. I got rid of cable TV a couple of years ago, which saves a ridiculous amount of money. I was spending about $2,000 a year for TV, and now I spend about $100 for Netflix. I sold my car many years ago and walk everywhere and occasionally take a bus. That saves probably $1,500 a year in insurance, taxes, and maintenance. I put everything possible on credit cards and pay them off each month, which gets me free airline tickets and hotels on occasion. My next project is to optimize tax avoidance strategies by things like Roth Conversions and assessing dividend strategies on my savings.
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11-11-2023, 01:56 PM | #53 | |
SuperChiefs
Join Date: Sep 2006
Location: Florida
Casino cash: $1789822
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Quote:
We cut the cable 4-5 years ago and like you, stopped going out like we used to. We go out to eat a couple time a month vs 3-4 times a week. That allows me to buy better quality groceries and cook some really good food at home from scratch. |
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Posts: 19,062
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11-11-2023, 02:24 PM | #54 | |
On Hiatus
Join Date: Aug 2000
Casino cash: $2099700
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Quote:
I get annoyed at reading about people who complain about having to come back to the office because it will cost them money to buy new clothes and buy lunches. When I am in the office I bring my lunch which is usually leftovers from the prior night's dinner.....or soup/sandwich I bring from home. I make my morning drink from hot tea bags I bring from home and always bring a large cup of home made unsweet tea to drink with lunch...otherwise water. Although the company does give us a credit of $7.50 to use in the Canteen kitchen every week. Sometimes I will use that to get a bottle of Ginger Ale. My wife is a coupon master from long back....she shops and bargain hunts like a Ninja Master......I drive a car that is paid off that I keep well maintained. I am at the age where comfort is more my worry than being a fashion icon....I don't have to worry about haircuts, because honestly at my age the hair just ain't there. Found out also that I can stream most of what I want to watch...get the national channels over the air, and stream Paramount +. Discovery + and Prime/Freevee to fill my TV Viewing needs. Rediscovered my love of reading hardback/paperback books, which seem to be in plentiful availability since everyone else seems to be reasing online. So many ways to save....you just have to want to |
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11-11-2023, 02:26 PM | #55 |
Veteran
Join Date: Feb 2001
Location: floating in a tin can
Casino cash: $1435199
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Don't buy things to impress other people - like a fancy car, or a house bigger than you need, etc.
Value function over form. Once you've got the money, you can start adding form back in.
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What am I even doing here? |
Posts: 3,782
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11-11-2023, 02:32 PM | #56 |
Constable of Untruths
Join Date: Oct 2010
Location: Wichita
Casino cash: $1321084
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11-11-2023, 02:49 PM | #57 |
Supporter
Join Date: Jun 2002
Casino cash: $1959714
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I'm blessed to have enough income that my wife and I don't have to worry about expenses. I do feel bad a lot for my loved ones who I see struggling to make ends meet. We don't typically help them out financially but we do take lots of our loved ones on trips and vacations since they aren't in a position to do it themselves. It's tough times for a lot of people and it sucks.
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Posts: 2,043
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11-11-2023, 02:56 PM | #58 | |
Champion Golfer Of The Year
Join Date: Aug 2001
Casino cash: $5630607
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Quote:
But I’ve got two kids and 4 grands. And growing up watching your son and or daughter make their way in life and raise their own family is a gift that no vacation or cigar or big house can ever compare. And to play wiffle ball or fütbol with or have a tea party with grandkids and their dolls? I can’t price tag that. |
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Posts: 34,674
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11-11-2023, 03:13 PM | #59 | |
You gotta kill a few people
Join Date: Sep 2007
Casino cash: $1612369
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Quote:
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Posts: 44,597
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11-11-2023, 03:18 PM | #60 | |
Supporter
Join Date: Apr 2007
Location: Scott City KS
Casino cash: $1844734
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Quote:
RE: OP My wife teaches too, and yeah, inflation blows ass. It's impossible to know without seeing your spending. Generally speaking, discipline is the component missing out of most personal finance problems. Not suggesting that is 100% your problem, but it's a good place to start looking. Information is power. Go through your bank statements and account for every penny. Dig up receipts if you can. The easy stuff will make itself known. Then the hard work starts. Especially out here, some food is stupid expensive. It takes real work to find alternatives. Typically premade foods or components are more expensive, but may not be if you can't find decent produce. Consumer Debt is hell on a budget. My recommendation to anyone is rice and beans that noise until the debt is gone and you'll have flexibility in the budget. Without knowing anything, I'd recommend establishing a budget, and then doing the work to stick to it. |
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