In what aspect of life are you best a cheapskate (aka summoning your inner Dave Ramsey thread)?
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Low monthly housing cost relative to net income
My wife’s money is our money. I like it that way. Joint bank accounts or GTFO.RaceBannon said:@creepycoug nice crew you
SameSFGbob said:
Full disclosure, my wife drives a new car. It's her car. I never see a payment. We got married in our late 30s. Had been doing our own finances for all those years prior. We still now don't have any joint credit cards or checking accounts. I make more money so I pay the mortgage and all the household bills. She pays the insurance and whatever clothing/kid expenses we have. It works for us. She buys cars that I would never even think of purchasing. Way too much money for a car.HHusky said:
AgreeSFGbob said:Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.
Love not having a car payment.
I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.
We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
My money is our money her money is her money -
F.O. Row Peter Puffer, you left...I always like the confused look merchants get on their face when I counter an offer for near-zero financing with an equal up-front discount. Whether it's people selling washing machines or cars, 8 out of 10 have no idea the two are connected.
I splurged on myself once for a car, and that was the 2007 BMW coupe. First year of the body change, I loved driving it and bought it. I got like 120,000 miles on it and it broke me ever inch of the way. It was a lemon and I learned first hand that mechanics don't open the hood of a German sports car for < than $1,000. Never again.
We bought a new 2004 Toyota Sequoia and drove that thing into the ground ... > 350,000 miles. I bought a Highlander to replace it.
We have an MDX that has like 70,000 miles on it. I will not likely buy another car before I retire, and we intend to own only one. We currently have the insurance on the MDX suspended because we barely need one car as it is.
They are a necessity, and when they aren't running you feel the infringement on your freedom ... you appreciate what they do for you. But as much as I love a nice looking car, they aren't important enough to me to burn $$ on them. The BMW was the first and last time for that.
I also hate car payments. -
F.O. Row Peter Puffer, you left...
Funny how that works.RaceBannon said:@creepycoug nice crew you
SameSFGbob said:
Full disclosure, my wife drives a new car. It's her car. I never see a payment. We got married in our late 30s. Had been doing our own finances for all those years prior. We still now don't have any joint credit cards or checking accounts. I make more money so I pay the mortgage and all the household bills. She pays the insurance and whatever clothing/kid expenses we have. It works for us. She buys cars that I would never even think of purchasing. Way too much money for a car.HHusky said:
AgreeSFGbob said:Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.
Love not having a car payment.
I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.
We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
My money is our money her money is her money -
Same with us. Amazing how that works. Personally, I don't care. What else am I going to do with my money. I'd have to make twice of what I'm making now to even thinking about buying an expensive car. My desire to drive expensive sports cars went out the window 20 years ago.RaceBannon said:@creepycoug nice crew you
SameSFGbob said:
Full disclosure, my wife drives a new car. It's her car. I never see a payment. We got married in our late 30s. Had been doing our own finances for all those years prior. We still now don't have any joint credit cards or checking accounts. I make more money so I pay the mortgage and all the household bills. She pays the insurance and whatever clothing/kid expenses we have. It works for us. She buys cars that I would never even think of purchasing. Way too much money for a car.HHusky said:
AgreeSFGbob said:Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.
Love not having a car payment.
I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.
We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
My money is our money her money is her money -
Low monthly housing cost relative to net income
Our 2013 was an Outback. It was the best car I've ever owned--and by "best" I mean it simply ran and ran without much of any fuss.
Based on that experience, the 2020 is an Outback. I like the gas mileage so far, but don't give a shit about the touch screen bells and whistles and would gladly have paid less and done without them if that was an option.
At this point we work from home and are also saving money by making do with one car. It's not been difficult. We'll see how the next few months go as the world opens up a little. -
Don't waste money on luxury baublesNo student loan debt, haven't had a REAL vacation in close to 5 years, no stupid UW tickets, housing is relatively affordable, 50/50 on the car thing since I finally got a new car for myself. I don't think any of those are necessarily the result of some Ramsey method to be cheap and save money, though.
I most identify with not blowing money on luxury stuff since I've never gotten in to those types of purchases.
I would love to know what he defines as a luxury vacation. People need breaks. Even a tame, 4-day vacation to Chelan is going to rack up $2k pretty damn quick. -
I hade zero to one offspring total (i.e., avoided Grumble's Malthusian condition)Own 1 vehicle for a long time and lease the other, much nicer one. Want to drive cheap ass vehicle 1 til it dies.
1 Kid helps a ton
I hate spending $$ on clothes but occasionally I will get decent stuff.
Luxury baubles... I don't do watches or toys like Jeeps/boats/motorcycles, but the country club and all my golf probably counts
No student loans and no sporting tickets. Vacations we do "efficient" but not cheap. -
Weed wine and cigars. I drive a 2015 Nissan i paid 17 grand cash forSFGbob said:
Same with us. Amazing how that works. Personally, I don't care. What else am I going to do with my money. I'd have to make twice of what I'm making now to even thinking about buying an expensive car. My desire to drive expensive sports cars went out the window 20 years ago.RaceBannon said:@creepycoug nice crew you
SameSFGbob said:
Full disclosure, my wife drives a new car. It's her car. I never see a payment. We got married in our late 30s. Had been doing our own finances for all those years prior. We still now don't have any joint credit cards or checking accounts. I make more money so I pay the mortgage and all the household bills. She pays the insurance and whatever clothing/kid expenses we have. It works for us. She buys cars that I would never even think of purchasing. Way too much money for a car.HHusky said:
AgreeSFGbob said:Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.
Love not having a car payment.
I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.
We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
My money is our money her money is her money -
My beer budget is my one luxury. I wish I liked cheaper beer. Used to drink expensive wine but after I lost my sense of taste and smell, years ago pre-Covid, it's since returned but with much less sensitivity with things like wine, I wasn't getting much out of drinking it. Beer, the hoppier the better. Forget the NW, you live in the best craft beer area in the world.RaceBannon said:
Weed wine and cigars. I drive a 2015 Nissan i paid 17 grand cash forSFGbob said:
Same with us. Amazing how that works. Personally, I don't care. What else am I going to do with my money. I'd have to make twice of what I'm making now to even thinking about buying an expensive car. My desire to drive expensive sports cars went out the window 20 years ago.RaceBannon said:@creepycoug nice crew you
SameSFGbob said:
Full disclosure, my wife drives a new car. It's her car. I never see a payment. We got married in our late 30s. Had been doing our own finances for all those years prior. We still now don't have any joint credit cards or checking accounts. I make more money so I pay the mortgage and all the household bills. She pays the insurance and whatever clothing/kid expenses we have. It works for us. She buys cars that I would never even think of purchasing. Way too much money for a car.HHusky said:
AgreeSFGbob said:Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.
Love not having a car payment.
I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.
We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
My money is our money her money is her money -
F.O. Row Peter Puffer, you left...On indulgences, I'd say when we go on vacation we don't like to stay in cheap hotels. That's not a creepy snooty brand thing ... we're both people with a strong sense of place and we both value a nice lobby and room to return to after a long day out fucking around somewhere away from home. So while we don't do Four Seasons very often, we don't go low to save a few $$ on accommodations. Same with food. We spend for food.
