Message from @Ben - OH

Discord ID: 491728881540268059


2018-09-16 01:43:39 UTC  

I’m strongly against debt. It feeds the jewish degradation of our society, it creates bad habits, and it robs initial savings from the beauty of compounding interest.

2018-09-16 01:44:54 UTC  

And do not buy ANYTHING with a time horizon of 1-year. You will have different experiences and opinions in 6 months, much less 1 year after living on your own for the first time. First, it ties up money in assets that don’t give a return. Second, they take up space. Third, you might not even like that same thing in 6 months or you’ll be sick of it.

2018-09-16 01:46:15 UTC  

Ya I probably won't go full prepper and buy and entire year supply

2018-09-16 01:46:20 UTC  

Thanks guys

2018-09-16 01:47:14 UTC  

(I might still buy a lot though)

2018-09-16 01:47:39 UTC  

Don’t go buying a bunch of tools like I did because I was used to dad having them. Tools are expensive and many of them I don’t use enough to justify. Simpler to pay a small premium to have someone else work on the more complicated tasks.

2018-09-16 01:48:18 UTC  

Don’t buy a lot. Wait 3 months before you go heavy on anything. You’ll learn so much and adjust your tastes so much in the first year of living on your own.

2018-09-16 01:49:51 UTC  

Go to an estate sale to get all your kitchenware. It will save you several hundred dollars.

2018-09-16 02:04:08 UTC  

@Tanner - SC Funny you mention that, I agree that "buying stuff just because you were used to having it around as a kid and felt every house needed one" I find is one of the biggest sources I've seen of stupid or regretted purchases. Especially as a college student you wind up hauling a ton of stuff that you will never even need anyway.

2018-09-16 13:59:02 UTC  

The way I buy tools is I get them when I need them. I work on a farm so it's a bit different for me since I do mechanical work all day on equipment that in some cases was built 30 years ago and reassembled by 3 different mechanics so I need a lot of tools, but most people honestly can get away with one of those cheap home sets.

2018-09-16 14:06:16 UTC  

I have also just bought tools as I needed them. You can get the vast majority done with a couple screwdrivers and a hammer. You also don’t really know what you don’t have until you need it, but such is the beauty of Walmart at 2am.

2018-09-16 14:08:38 UTC  

I’m not at the point in my life yet when I can afford one of those giant rolling metal tool caddies people have in their garages.

2018-09-16 14:08:55 UTC  

*Yet,* I can’t wait to become hank hill.

2018-09-16 14:11:42 UTC  

Oh, also you can buy a lot of kitchenware type stuff from the goodwill’s online store.

2018-09-16 14:11:59 UTC  

You can get those kitchenaid mixers for like. 1/5th the cost of retail.

2018-09-18 21:49:34 UTC  

Literally all I want to do is track my spending. I don't want to link my bank account and report my income and all that bullshit. Is there a good program to do this?

2018-09-18 21:50:00 UTC  

excel

2018-09-18 21:52:28 UTC  

Ya, I was thinking maybe just a spreadsheet

2018-09-18 21:53:27 UTC  

What's the best way to do this? A big long column? Separate columns for every month? Week? Is there a way to break it down by both week and month?

2018-09-18 21:54:42 UTC  

Probably, there's alot you can do with it, it just depends on how it makes sense to you

2018-09-18 21:55:01 UTC  

@Jacob I just use a spreadsheet, I can send my format to you if you want

2018-09-18 21:55:50 UTC  

I've never had the need to do this, I'm a bit 👃 'y with my money

2018-09-18 21:56:23 UTC  

I've always just saved and hardly spent

2018-09-18 21:56:53 UTC  

@Ben - OH Sure, that could help. Thanks.

2018-09-18 21:57:36 UTC  

I've always saved and barely spent, too, but now I'm living on my own, so it's a bit harder

2018-09-18 21:57:47 UTC  

understandable

2018-09-18 21:57:59 UTC  

Couldn't get any roommates?

2018-09-18 21:58:12 UTC  

Moreso that I didn't have to

2018-09-18 21:58:19 UTC  

And didn't want to

2018-09-18 21:58:37 UTC  

I get that

2018-09-18 21:59:09 UTC  

I'm not rich or anything, it's just that I live in a rural area, so rent is cheap enough that it's not really that big of an issue

2018-09-18 22:00:11 UTC  

I might get roommates once my lease ends, since I have a friend here now who is in a similar situation. But I would never become roommates with a stranger.

2018-09-19 00:12:51 UTC  

@Jacob Dave Ramsey, the home budgeting master, has an app to track spending that does not require linking a bank account.
<https://www.daveramsey.com/everydollar/>

2018-09-24 13:59:57 UTC  

"If you don't have an emergency fund built up, you should only be seeing the inside of a restaurant if you're *working* in it." - Dave Ramsey

2018-09-24 14:09:05 UTC  

Dave Ramsey is cool because he puts the most obvious, common sense financial literacy into the simplest of terms

2018-09-24 14:40:05 UTC  

@Tanner - SC thanks for sharing that, I had no idea he had an app.

2018-09-25 11:01:44 UTC  

Has anyone taken the insurance exam? Any idea of what to expect?

2018-09-25 16:33:05 UTC  

IIRC I think @ophiuchus has

2018-09-25 21:31:29 UTC  

Anybody here have any experience with homeowners insurance claims and/or fema disaster claims? Thanks to Florence, I lost my fence, most of my shingles, had driving rain and seepage come in on the windward side of the house. Also had a tree crash down on my shed, punctured the roof, some of my tools are kill...

2018-09-25 21:38:21 UTC  

Predict it offering 400% ROI if Kavanaugh confirmed by end of Sunday https://www.predictit.org/Contract/11361/Will-the-Senate-confirm-a-SCOTUS-nominee-in-September#data

2018-09-25 21:38:54 UTC