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Posted: 1/28/2019 10:57:56 PM EST
[#1]
Quote HistoryQuoted:
I spent all my money on a Peloton bike.  
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Posted: 1/28/2019 10:58:03 PM EST
[#2]
Quote HistoryQuoted:
Meh .. if I worked a 2nd job I wouldn't have time to post here, or play video games, or get drunk. Quote HistoryQuoted:
Quoted:
A written budget is the fix for most people living check to check. Also most folks could work a second job if truly needed but won't. 
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Posted: 1/28/2019 10:58:04 PM EST
[#3]
Quote HistoryQuoted:
I'm broke because I'm profoundly broken. Thought I was the foster kid that beat the odds. At 56 I now see how that was all an illusion. IOW, it's not over for you. Self knowledge has value. |
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Posted: 1/28/2019 10:59:40 PM EST
[#4]
Quote HistoryQuoted:
brakes are fucked, need new gutters, lawn mower blew up, cars burning oil.. One of my buddies who is always broke bought a $5k fridge.. he was forced to because the old one had a funny smell. He and his wife do that all the time buying new shit at the slightest excuse |
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Posted: 1/28/2019 11:01:30 PM EST
[#5]
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Posted: 1/28/2019 11:02:38 PM EST
[#6]
I was poor once, probably poorer then 99% of all posters here. Never again, I would work the skin off my fingers to never have to live like that gain. Every person has the ability to improve their situation, it's up to you whether that's a worthwhile proposition or not.
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Posted: 1/28/2019 11:05:16 PM EST
[#7]
Quote HistoryQuoted:
Wife and I grossed $175k last year of which, after you figure in retirement, daycare, mortgage, healthcare, etc. We bring home $44k/yr that we live off of. It blows my mind how we can make so much money and have so little. I have tried to figure out where it all goes but I swear it just disappears. New tires here, dance class there, brakes are fucked, need new gutters, lawn mower blew up, cars burning oil. Fuck me. We can barely save $2-300 a month if were lucky without something screwing up that needs fixing. If we could take 3 years break from paying taxes we could pay off the mortgage and vehicles completely, that's how bad taxes and healthcare hurt us. |
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Posted: 1/28/2019 11:06:03 PM EST
[#8]
Honest answer....debt.
Amount financed at time of purchase: House: 130k Cars (2 comabined): 30.5k Credit Cards: 10k Wife's Student loans 60k Total: 230.5k Annual income: $89k Living expenses: utilities, food, transportation, recreation, clothes for 6, 4 kids. ETA: if we paid off our debt we would free up about $2100/mo and be living like kings with only one income being necessary to live each month and the other being a "bonus". |
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Posted: 1/28/2019 11:06:15 PM EST
[#9]
Quote HistoryQuoted:
A written budget is the fix for most people living check to check. Also most folks could work a second job if truly needed but won't. ETA living in a high cost of living area is usually not a wise choice no matter the education or skill set. If I live that long. 
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Posted: 1/28/2019 11:06:24 PM EST
[#10]
guns, trucks, and pussy
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Posted: 1/28/2019 11:10:18 PM EST
[#11]
I thought I was broke in my 20's when I knew where the no fee ATM's were that would let you take out $5. That was nothing compared to later, when I married a woman with huge money issues and who lied about it. I remember a birthday, I think it was my 30th, thinking to myself that I was never going to be able to retire.
I divorced her. It cost me more money than it should have. It was very painful and expensive for me, but I learned the lesson. There's hope if you're broke. As long as you don't keep making the same mistakes. Have a budget. Have a plan. You may also have to do other things that get you out of your comfort zone, like move, change jobs, change your habits/lifestyle or even your receptiveness to friends and/or family if they contribute to your financial woes. It can be done. |
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Posted: 1/28/2019 11:12:26 PM EST
[#12]
Quote HistoryQuoted:
I earn less than $20k a year and I live pretty comfortably alone even here in Commiefornia of all places. Life is cheap and easy when you live a quiet, minimalist lifestyle. If you live alone and are still broke, you really, really need to take a long, hard look at your lifestyle. There's just no excuse for it, life is cheap and simple without a family to have to support. |
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Posted: 1/28/2019 11:23:13 PM EST
[#13]
Quote HistoryQuoted:
guns, trucks, and pussy 
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Posted: 1/28/2019 11:31:49 PM EST
[#14]
Quote HistoryQuoted:
Wife and I grossed $175k last year of which, after you figure in retirement, daycare, mortgage, healthcare, etc. We bring home $44k/yr that we live off of. It blows my mind how we can make so much money and have so little. I have tried to figure out where it all goes but I swear it just disappears. New tires here, dance class there, brakes are fucked, need new gutters, lawn mower blew up, cars burning oil. Fuck me. We can barely save $2-300 a month if were lucky without something screwing up that needs fixing. Go buy a Dave Ramsey book. You are not welcome inthis thread nor would you like it here. |
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Posted: 1/28/2019 11:32:09 PM EST
[#15]
Quote HistoryQuoted:
I thought I was broke in my 20's when I knew where the no fee ATM's were that would let you take out $5. That was nothing compared to later, when I married a woman with huge money issues and who lied about it. I remember a birthday, I think it was my 30th, thinking to myself that I was never going to be able to retire. I divorced her. It cost me more money than it should have. It was very painful and expensive for me, but I learned the lesson. There's hope if you're broke. As long as you don't keep making the same mistakes. Have a budget. Have a plan. You may also have to do other things that get you out of your comfort zone, like move, change jobs, change your habits/lifestyle or even your receptiveness to friends and/or family if they contribute to your financial woes. It can be done. |
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Posted: 1/28/2019 11:35:20 PM EST
[#16]
For those of you that like to eat fast food, use the McDonald’s or Wendy’s app. Every day is BOGO free on Wendy’s chicken sandwiches.
McDonald’s is running a daily promo on their app, buy any sandwich, get a second for $.25 Do the survey on any McDonald’s receipt, and quarter pounder with cheese is BOGO free. |
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Posted: 1/28/2019 11:36:54 PM EST
[#17]
Quoted:
I have never made more money in my entire life nor have I ever felt so broke. $3k credit card, and mortgage, and electric, and kids dr appt's @ $100/pop. Wants like a ccw pistol, a motorcycle, a new sliding glass door, or new windows just arent in the near future. Can't sell anything. Can't downsize. having 3 dependents really sucks it out of you. Why are you broke? Just suck it up cut up the CC and learn to take your lunch to work, buy and sell stuff for extra cash and hope for a better job/promotion. If you are young have you considered the military? pay still sucks but the med benefits are pretty good. On post housing is free and most cover the electric bill as well. I have four kids (11, 18, 25,27) and drove the same Toyota 4x4 I bought in 94 until last year, when I was a single dad from 96-98 my son and I ate leftovers the mess SGT gave me from the DFAC for a few months when things were bad. Hell I remember some days sitting in the dayroom eating leftover MREs for lunch. In 97 I sold my last two firearms so my kid could have Christmas presents and we could pay the mortgage. When I met my wife in 96 she would give me gas money so I could drive the two hours to see her. After 8 months of dating she showed up on day and gave me the title to my truck(she paid it off). I owed $3000 on it and she said now you have money to come see me. My son and I went to church on Wednesdays as they had food prior to the service. Heck her engagement ring initially was a $20 walmart valentines day ring, the ring I finally was able to afford was a 1/4qt diamond walmart ring. On or 10th wedding anniversary I got her a 1 caret TW diamond ring she always wanted. She loved it, but still wore her original ring sometimes. I understand your pain, just understand you are not alone, remember tough ties make tough men. Once I got married again and made E-6 we were good after a year or so, we had some lean times but life turned out great. By 2008 I had one rental home and the house we were living in at the time. Things will get better and you will cherish the lean times. We still have good family times, but it seems like even though we were broke our family was closer then. |
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Posted: 1/28/2019 11:43:00 PM EST
[#18]
Because my mentors tell me to spend (invest) all of my money so I feel desperate and work harder.
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Posted: 1/28/2019 11:44:28 PM EST
[#19]
The amount of honesty in this thread is alarming.
There’s serious issues going on with acquiring “stuff”, especially with the high income earners. |
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Posted: 1/28/2019 11:47:12 PM EST
[#20]
My problem is "next week", or "next paycheck". We're quite comfortable and have some money put back but I don't save nearly as much as I should. There's always some gizmo or trip or whatever that I spend this paycheck's extra on.
Example, last week the gf randomly says "Wanna go to the Martinsville race this year? You buy tickets I'll get the hotel?" So sure, $182 for a pair of tickets isn't a huge deal but that's $182 that's not going into my savings account, although as mentioned, I'd probably have just spent it on something else anyway 
I'm not good at saving up for things. When I decide I want something, I want it yesterday. The money is there in the savings, bam, ordered. |
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Posted: 1/28/2019 11:49:29 PM EST
[#21]
For most people the problem is a spending problem.
We live in a small house and drive not new vehicles, all paid for. We made 100k in 2018. saved about 24% of our gross income last year. That does not include the 12% that was saved in her retirement account. |
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Posted: 1/28/2019 11:50:29 PM EST
[#22]
Stage 4 cancer. We have insurance, but we burn through cash like it’s going out of style. Deductibles, co-pays, prescriptions, gas, tolls, parking, hotels, food. My doctors are in Boston and Manhattan... so just that can eat a grand a month depending how many nights we have to stay in those cities. In March I’ll be having surgery at Sloan Kettering... ouch! Anticipated I’ll be in the hospital for a week and my wife likely at a hotel in midtown, even with the hospital rate.
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Posted: 1/28/2019 11:50:34 PM EST
[#23]
I’m living paycheck to paycheck for only a few more months until I graduate with my degree and can work at my full time job starting in the summer.
I’ve been saving slowly but surely and living within my means the last 4 years and it will be a nice change to not have to juggle work and school and just being able to focus on work. |
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Posted: 1/28/2019 11:52:12 PM EST
[#24]
This might help ya'll save money on groceries:
https://misfitsmarket.com |
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Posted: 1/28/2019 11:52:41 PM EST
[#25]
Quote HistoryQuoted:
Divorce. Had a plan to retire in 2016 and was on track until she derailed it |
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Posted: 1/29/2019 12:02:22 AM EST
[#26]
I'm not gay but 20 bucks is 20 bucks.
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Posted: 1/29/2019 12:05:26 AM EST
[#27]
Quote HistoryQuoted:
That's mind blowing. Our income more than doubled from 2017, and I still wear the same clothes and shoes. It I feel you, the more you make, the more expensive your tastes become. Quote HistoryQuoted:
Quoted:
Wife and I grossed $175k last year of which, after you figure in retirement, daycare, mortgage, healthcare, etc. We bring home $44k/yr that we live off of. It blows my mind how we can make so much money and have so little. I have tried to figure out where it all goes but I swear it just disappears. New tires here, dance class there, brakes are fucked, need new gutters, lawn mower blew up, cars burning oil. Fuck me. We can barely save $2-300 a month if were lucky without something screwing up that needs fixing. Our income more than doubled from 2017, and I still wear the same clothes and shoes. It I feel you, the more you make, the more expensive your tastes become. Those where the same kids wanting a AER loan while they and their wife were driving new cars. I'm wasnt gonna be that old retired guy driving the gut truck or checking IDs at the gate. Currently drive a 2003 Tahoe I got for $8k in 2009 and the wife drives a 2012 Charger I bought her for Christmas for $15k. Most I ever spent for a car was a new Honda Civic for $19k. I will however be buying a newer truck when the tahoe hits 300k, still will keep the tahoe and just put a new power train in it. |
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Posted: 1/29/2019 12:07:25 AM EST
[#28]
The one thing I will bragg about is in over 20yrs of marriage, my wife has never had to have a job/work.
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Posted: 1/29/2019 12:08:00 AM EST
[#29]
Since were sharing tips (some quick things I do include):
- shop at aldis foods (I save like $50ish a week). Plan you’re meals out so you’re not buying extra food that may expire. - plan out your routes when driving / running around to max mpg. Sign up for fuel saver discounts and / cc card that offers it. If you’re close to a coworker, carpoo. - cut wifi speed to what I need / use (save a bit $$ per month) - bring a lunch everyday vs going out - cut out and or back luxury items cigs, booze, candy (helps keep your Doc’s bill down as well as its expensive, long term) -shop at savers, goodwill, other discount stores for clothes and household items. -pay yourself first when you receive your weekly or bi monthly check. -always payoff your highest % interest accumulated items first I bet there’re more, just what came quick in my head. What I appreciate about this tread is knowing others are in the same boat. I always marvel how person x can do xzy and still afford abc too, but then read articles saying how much the average American is in debt (non mortgage or student loan related). |
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Posted: 1/29/2019 12:23:13 AM EST
[#30]
Decided against it
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Posted: 1/29/2019 12:31:17 AM EST
[#31]
Quote HistoryQuoted:
I'm broke because I'm a dumbass. |
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Posted: 1/29/2019 12:42:06 AM EST
[#32]
Quote HistoryQuoted:
this. Quote HistoryQuoted:
Quoted:
I'm broke because I'm a dumbass. 
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Posted: 1/29/2019 12:46:00 AM EST
[#33]
Quote HistoryQuoted:
Since were sharing tips (some quick things I do include): - shop at aldis foods (I save like $50ish a week). Plan you’re meals out so you’re not buying extra food that may expire. - plan out your routes when driving / running around to max mpg. Sign up for fuel saver discounts and / cc card that offers it. If you’re close to a coworker, carpoo. - cut wifi speed to what I need / use (save a bit $$ per month) - bring a lunch everyday vs going out - cut out and or back luxury items cigs, booze, candy (helps keep your Doc’s bill down as well as its expensive, long term) -shop at savers, goodwill, other discount stores for clothes and household items. -pay yourself first when you receive your weekly or bi monthly check. -always payoff your highest % interest accumulated items first I bet there’re more, just what came quick in my head. What I appreciate about this tread is knowing others are in the same boat. I always marvel how person x can do xzy and still afford abc too, but then read articles saying how much the average American is in debt (non mortgage or student loan related). My lunch dam near daily is 1 apple, 1 granola bar and a few handfuls of almonds, walnuts, cashews. We put a ton is savings this year |
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Posted: 1/29/2019 12:51:12 AM EST
[#34]
Quote HistoryQuoted:
Because Cali... |
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Posted: 1/29/2019 12:57:26 AM EST
[#35]
I love beneath my means.
40 years old Living in house that is paid off. No car payment. Spend about $800 per month on myself. Only problem I have is mounting business expenses that is driving me crazy and into the poorhouse (I just paid $34k in property taxes). |
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Posted: 1/29/2019 1:00:23 AM EST
[#36]
Quote HistoryQuoted:
I earn less than $20k a year and I live pretty comfortably alone even here in Commiefornia of all places. Life is cheap and easy when you live a quiet, minimalist lifestyle. If you live alone and are still broke, you really, really need to take a long, hard look at your lifestyle. There's just no excuse for it, life is cheap and simple without a family to have to support. 
Only 3 possible scenarios here: 1.You still live at home with parents 2. you have 10 roommates 3. you live in your car/van |
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Posted: 1/29/2019 1:02:47 AM EST
[#37]
Quote HistoryQuoted:
Only 3 possible scenarios here: 1.You still live at home with parents 2. you have 10 roommates 3. you live in your car/van |
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Posted: 1/29/2019 1:16:36 AM EST
[#38]
Quote HistoryQuoted:
how do you live comfortably in one of the highest cost of living states in the country on 20k? are you a cellar dweller? Quote HistoryQuoted:
Quoted:
I earn less than $20k a year and I live pretty comfortably alone even here in Commiefornia of all places. Life is cheap and easy when you live a quiet, minimalist lifestyle. If you live alone and are still broke, you really, really need to take a long, hard look at your lifestyle. There's just no excuse for it, life is cheap and simple without a family to have to support. |
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Posted: 1/29/2019 7:38:39 AM EST
[#39]
Quote HistoryQuoted:
If you're making less than median income, I recommend developing a plan that will increase your income over the next few years. If you're making a decent amount more than median income, it's time to really start looking for ways to cut expenses. |
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Posted: 1/29/2019 7:42:48 AM EST
[#40]
Quote HistoryQuoted:
2 jobs here. 70-80 hours a week, 7 days a week. I barely remember what my family looks like but I'm on track to be debt free with the exception of my mortgage and one car payment in roughly 2 years from now. It sucks - bad. But it can be done if a person wants it bad enough. If I live that long. Quote HistoryQuoted:
Quoted:
A written budget is the fix for most people living check to check. Also most folks could work a second job if truly needed but won't. ETA living in a high cost of living area is usually not a wise choice no matter the education or skill set. 2 jobs here. 70-80 hours a week, 7 days a week. I barely remember what my family looks like but I'm on track to be debt free with the exception of my mortgage and one car payment in roughly 2 years from now. It sucks - bad. But it can be done if a person wants it bad enough. If I live that long.
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Posted: 1/29/2019 7:55:41 AM EST
[#41]
Quote HistoryQuoted:
I make 6 figures. I’m supporting a family of five on a single income. It was easy in NH. We had a lot of extra money each week. Then we moved to CA (same company, same income). I’m fucking broke, have no idea how I’m going to re-register our cars next month. My wife works now and my daughter helps out, but this state sucks. I just have to make it one more year and we’re out of here. If I can afford a UHaul. ...although, some of our spending decisions aren’t helping. Shit like cell phones & tv from a satellite are expenses that didn’t exist years ago but we have to have them today |
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Posted: 1/29/2019 7:58:37 AM EST
[#42]
Quote HistoryQuoted:
Lol, my soldiers always asked why do you drive that same old Toyota 4x4 Sergeant? I said because when I retire at 46 I want to be retired. Those where the same kids wanting a AER loan while they and their wife were driving new cars. I'm wasnt gonna be that old retired guy driving the gut truck or checking IDs at the gate. Currently drive a 2003 Tahoe I got for $8k in 2009 and the wife drives a 2012 Charger I bought her for Christmas for $15k. Most I ever spent for a car was a new Honda Civic for $19k. I will however be buying a newer truck when the tahoe hits 300k, still will keep the tahoe and just put a new power train in it. Quote HistoryQuoted:
Quoted:
Quoted:
Wife and I grossed $175k last year of which, after you figure in retirement, daycare, mortgage, healthcare, etc. We bring home $44k/yr that we live off of. It blows my mind how we can make so much money and have so little. I have tried to figure out where it all goes but I swear it just disappears. New tires here, dance class there, brakes are fucked, need new gutters, lawn mower blew up, cars burning oil. Fuck me. We can barely save $2-300 a month if were lucky without something screwing up that needs fixing. Our income more than doubled from 2017, and I still wear the same clothes and shoes. It I feel you, the more you make, the more expensive your tastes become. Those where the same kids wanting a AER loan while they and their wife were driving new cars. I'm wasnt gonna be that old retired guy driving the gut truck or checking IDs at the gate. Currently drive a 2003 Tahoe I got for $8k in 2009 and the wife drives a 2012 Charger I bought her for Christmas for $15k. Most I ever spent for a car was a new Honda Civic for $19k. I will however be buying a newer truck when the tahoe hits 300k, still will keep the tahoe and just put a new power train in it. Anyway. I COULD afford a newish 4x4 truck, but I refuse to buy one. I drive her 06 impala that's now got 220k miles on it. I picked up a $1500 beater Ford ranger 4x4 for a work / hunting truck, old impala n ranger are obviously paid off. I still want a nicer 4x4 vehicle, and it galls me to see 16 year olds driving $50k trucks, but bad as I want one, it's not as bad as I want to keep the cash a new truck payment would suck out of the budget. Ill keep the 2017 impala until it eventually dies after 300k miles, and just buy a less used vehicle for the main car every 5 years. Ill eventually spring for a decent looking 05 Ford f150 with 250,000 miles, so ill have a bigger, better truck, but I only plan to blow about $5k on one. I don't drive much, I just need something that's 4x4 and comfortable, heat, ac etc.
Unlike many people, I really do need a 4x4. I use four wheel drive probably 50 times a year accessing hunting property, and working on same property, as well as farm chores. |
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Posted: 1/29/2019 9:22:34 AM EST
[#43]
Quote HistoryQuoted:
I'm broke because I'm a dumbass. Nobody to blame but myself. |
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Posted: 1/29/2019 9:38:33 AM EST
[#44]
Wow, I felt bad before I came here.
Wife and I together make a little over 100K. Our house is on track to be paid for in 5 years. We've put some money into renovations and got a lot more back in value than we spent. I don't have a car payment. She does, mid $500's (probably our most extravagant expense...happy wife, happy life...lol). Other than that, no debt. We always have a healthy reserve in our checking account. We've both been in debt before, though, and it's a killer. So we scrimp and save like we have no money so we'll have money. She shops at Goodwill and dollar stores and buys groceries on sale days. We really act like we've lived through the depression. I recently started a 9mm AR build. Instead of taking money out of checking, I sold a bunch of stuff to cover it so I didn't have to dip into our finances. Nothing gets put on credit unless it is 90 days/6 months same as cash, and then we always pay it off. I'm not poor. It just feels like it...lol. |
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Posted: 1/29/2019 9:44:23 AM EST
[#45]
I’m broke right now as well. I started a new business and set an insanely low salary for myself compared to what I’m used to, and I’m not drawing dividends until the end of the year. Financially, it’s brutal. But otherwise, it’s pretty damn good life.
And yes, kids are expensive. Pre-k for the two is a couple grand a month 
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Posted: 1/29/2019 9:46:33 AM EST
[#46]
Quote HistoryQuoted:
Since were sharing tips (some quick things I do include): - shop at aldis foods (I save like $50ish a week). Plan you’re meals out so you’re not buying extra food that may expire. - plan out your routes when driving / running around to max mpg. Sign up for fuel saver discounts and / cc card that offers it. If you’re close to a coworker, carpoo. - cut wifi speed to what I need / use (save a bit $$ per month) - bring a lunch everyday vs going out - cut out and or back luxury items cigs, booze, candy (helps keep your Doc’s bill down as well as its expensive, long term) -shop at savers, goodwill, other discount stores for clothes and household items. -pay yourself first when you receive your weekly or bi monthly check. -always payoff your highest % interest accumulated items first I bet there’re more, just what came quick in my head. What I appreciate about this tread is knowing others are in the same boat. I always marvel how person x can do xzy and still afford abc too, but then read articles saying how much the average American is in debt (non mortgage or student loan related). I tried to think of something to add to your post, but I literally couldn't. |
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Posted: 1/29/2019 10:10:36 AM EST
[#47]
I used to be a broke ass like you, but then I took a Dave Ramsey to the knee. Seriously, he gets a lot of flack (some of it deserved) but the saving/paying off debt advice is sound and the program works. Wife and I paid off 30k in student loans, CC, and a car in 8 months - and we dont make a ton of money. We have 2 young kids and cash flowed 2 expensive hospital bills & her finishing her degree. I got a second job delivering pizzas nights and weekends. It was grueling at times, but worth it.
Honestly the most important thing you can do is a monthly written budget. Tons of tools to help with that, or just use pen and paper. Until you know where the money is going and EXACTLY how much you can save/spend, you're just spinning your wheels. If anyone wants to give it a try PM me and I'll send you a DR book for free. |
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Posted: 1/29/2019 10:17:03 AM EST
[#48]
Quote HistoryQuoted:
I used to be a broke ass like you, but then I took a Dave Ramsey to the knee. Seriously, he gets a lot of flack (some of it deserved) but the saving/paying off debt advice is sound and the program works. Wife and I paid off 30k in student loans, CC, and a car in 8 months - and we dont make a ton of money. We have 2 young kids and cash flowed 2 expensive hospital bills & her finishing her degree. I got a second job delivering pizzas nights and weekends. It was grueling at times, but worth it. Honestly the most important thing you can do is a monthly written budget. Tons of tools to help with that, or just use pen and paper. Until you know where the money is going and EXACTLY how much you can save/spend, you're just spinning your wheels. If anyone wants to give it a try PM me and I'll send you a DR book for free.  Great work paying off your debt! It's always good to see people overcome adversity and better themselves and their future!
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Posted: 1/29/2019 10:24:04 AM EST
[#49]
Quote HistoryQuoted:
@SDSG Great work paying off your debt! It's always good to see people overcome adversity and better themselves and their future!We have so much more free cash flow now that we have no bills other than our mortgage that it feels like a 25% raise. The best part is how much less mail I get. No bills or statements. All junk mail. lol Im jealous of my buddies bad ass cars and trucks, but one of them recently admitted to me he has $70k in car debt 
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Posted: 1/29/2019 10:29:14 AM EST
[#50]
Quoted:
I have never made more money in my entire life nor have I ever felt so broke. $3k credit card, and mortgage, and electric, and kids dr appt's @ $100/pop. Wants like a ccw pistol, a motorcycle, a new sliding glass door, or new windows just arent in the near future. Can't sell anything. Can't downsize. having 3 dependents really sucks it out of you. Why are you broke? |
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