In what aspect of life are you best a cheapskate (aka summoning your inner Dave Ramsey thread)?
In what aspect of life are you best a cheapskate (aka summoning your inner Dave Ramsey thread)? 27 votes
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F.O. Row Peter Puffer, you left...Save thousands of dollars per year buying cheap vodka to get drunk instead of high end shit to impress my frens.
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Low monthly housing cost relative to net incomeWe do pretty well as family on a lot of these...
No car payments. Event before Covid we sucked at getting babysitting help, so restaurant tab was minimal. Mrs Snow had free college and my loans were nothing compared to what the kids these days to. But we are way, way below Dave's guidelines on montly housing cost being below 25% of net AND I don't event have to live in Texas!
But the Mrs kills our budget with travel lust and stupid misc crap.
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Low monthly housing cost relative to net income
We could file that under no bars. It's close enough.PurpleThrobber said:Save thousands of dollars per year buying cheap vodka to get drunk instead of high end shit to impress my frens.
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F.O. Row Peter Puffer, you left...No student loan debt (dropping out early helps there), no expensive vacations, dress like a bum, no season tickets to anything, truck is a jalopy, but there's no option to select multiple choices.
Where I save the most money is by doing things myself. I blow soooo much money on the things I want, but it chaps my ass to spend a lot of money on the things I need. I want a sweet bike that'll make my slow ass go fast around a track, I need a truck to haul it there: guess which one cost $3500 and which one cost $25K and counting? I buy new pants when the crotch and knees blow out of all of the ones I have. I buy new shirts when the ones I have no longer protect my nipples. I buy new shoes when the soles of the ones I have split in half. Clothes are "needs," so I can't be bothered. 300 hour house repair/upgrade? How much do the tools cost?... Car repair? How much do the tools cost?... Plumber wants $5600 for eight hours of work and $100 in fittings? Off to Google to make sure I do it right... Fuck spending money on no-fun bullshit like working plumbing. Ford dealer wants $700 per axle for fucking bake pads on the truck? $300 for even the premium pads and rotors at NAPA, three hours of swearing and bleeding knuckles. Whatever. I could go on and on. You could probably learn how to build a liquid booster rocket and orbital crew vehicle just buy reading some forums and watching some YouTube videos; there's nothing stopping anybody from learning how to do pretty much anything these days (I spent an hour this morning watching videos explaining how to set up for aluminum anodizing in your garage, for instance).
That being said, learning how to do stuff can be more expensive in the long run. Getting a $250K shop for $100K by building it yourself still costs $100K. Getting $250K in home repairs and upgrades for $150K by doing most of it yourself still costs $150K, which is more expensive than just selling the place and buying one that's not falling apart. When Apple releases in iPhone connection for your new car, but it costs $400 for what is essentially a cable, you can say, "You can fuck right off, Apple, I'll do it myself," but the math only works out if you don't then spend over $1000 building a full-blown PC with touchscreen controls into the dash/trunk. Being handy and obstinate has ended up being really fucking expensive, actually.
Having a huge tool collection and zero free time is cool, though, so I got that going for me. Which is nice. -
Low monthly housing cost relative to net income
Well, shit I forget the DIY option. Much money can be saved by doing shit one's self.1to392831weretaken said:No student loan debt (dropping out early helps there), no expensive vacations, dress like a bum, no season tickets to anything, truck is a jalopy, but there's no option to select multiple choices.
Where I save the most money is by doing things myself. I blow soooo much money on the things I want, but it chaps my ass to spend a lot of money on the things I need. I want a sweet bike that'll make my slow ass go fast around a track, I need a truck to haul it there: guess which one cost $3500 and which one cost $25K and counting? I buy new pants when the crotch and knees blow out of all of the ones I have. I buy new shirts when the ones I have no longer protect my nipples. I buy new shoes when the soles of the ones I have split in half. Clothes are "needs," so I can't be bothered. 300 hour house repair/upgrade? How much do the tools cost?... Car repair? How much do the tools cost?... Plumber wants $5600 for eight hours of work and $100 in fittings? Off to Google to make sure I do it right... Fuck spending money on no-fun bullshit like working plumbing. Ford dealer wants $700 per axle for fucking bake pads on the truck? $300 for even the premium pads and rotors at NAPA, three hours of swearing and bleeding knuckles. Whatever. I could go on and on. You could probably learn how to build a liquid booster rocket and orbital crew vehicle just buy reading some forums and watching some YouTube videos; there's nothing stopping anybody from learning how to do pretty much anything these days (I spent an hour this morning watching videos explaining how to set up for aluminum anodizing in your garage, for instance).
That being said, learning how to do stuff can be more expensive in the long run. Getting a $250K shop for $100K by building it yourself still costs $100K. Getting $250K in home repairs and upgrades for $150K by doing most of it yourself still costs $150K, which is more expensive than just selling the place and buying one that's not falling apart. When Apple releases in iPhone connection for your new car, but it costs $400 for what is essentially a cable, you can say, "You can fuck right off, Apple, I'll do it myself," but the math only works out if you don't then spend over $1000 building a full-blown PC with touchscreen controls into the dash/trunk. Being handy and obstinate has ended up being really fucking expensive, actually.
Having a huge tool collection and zero free time is cool, though, so I got that going for me. Which is nice.
Unlike Charmin soft @creepycoug I refuse to hire out the lawn mowing. A man can't be a real man, unless you mow your own lawn. I've done my own brakes and my own oil once, but I don't enjoy it so will probably continue to pay a professional there.
My wife's up my ass to get our interior painted; I'm like Michelangelo with a paint brush but it would have taken too much time vs paying a crew of painters and keeping my marriage intact. -
Daughter says I look like I'm homeless.
That is the very look I'm hoping to convey. -
Low monthly housing cost relative to net incomeCashing in on the Seattle equity has done wonders for our lifestyle. No longer feeling house poor.
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F.O. Row Peter Puffer, you left...Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
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Low monthly housing cost relative to net income
Thinking about what you've spent on academis gives me heartburn. Fortunately, my kids won't be elite, NE liberal arts college material.creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
It's gonna be Boov BA/BS and pumping gas next to @IPukeOregonGrellow for my spawn. -
F.O. Row Peter Puffer, you left...
I actually stopped paying for yard maintenance. They were getting lazy about weeding and shit and were raising prices. Basically they were here too long and became Americans. Once I saw the new 1/2 ton pickup, I knew it was only a matter of tim.YellowSnow said:
Well, shit I forget the DIY option. Much money can be saved by doing shit one's self.1to392831weretaken said:No student loan debt (dropping out early helps there), no expensive vacations, dress like a bum, no season tickets to anything, truck is a jalopy, but there's no option to select multiple choices.
Where I save the most money is by doing things myself. I blow soooo much money on the things I want, but it chaps my ass to spend a lot of money on the things I need. I want a sweet bike that'll make my slow ass go fast around a track, I need a truck to haul it there: guess which one cost $3500 and which one cost $25K and counting? I buy new pants when the crotch and knees blow out of all of the ones I have. I buy new shirts when the ones I have no longer protect my nipples. I buy new shoes when the soles of the ones I have split in half. Clothes are "needs," so I can't be bothered. 300 hour house repair/upgrade? How much do the tools cost?... Car repair? How much do the tools cost?... Plumber wants $5600 for eight hours of work and $100 in fittings? Off to Google to make sure I do it right... Fuck spending money on no-fun bullshit like working plumbing. Ford dealer wants $700 per axle for fucking bake pads on the truck? $300 for even the premium pads and rotors at NAPA, three hours of swearing and bleeding knuckles. Whatever. I could go on and on. You could probably learn how to build a liquid booster rocket and orbital crew vehicle just buy reading some forums and watching some YouTube videos; there's nothing stopping anybody from learning how to do pretty much anything these days (I spent an hour this morning watching videos explaining how to set up for aluminum anodizing in your garage, for instance).
That being said, learning how to do stuff can be more expensive in the long run. Getting a $250K shop for $100K by building it yourself still costs $100K. Getting $250K in home repairs and upgrades for $150K by doing most of it yourself still costs $150K, which is more expensive than just selling the place and buying one that's not falling apart. When Apple releases in iPhone connection for your new car, but it costs $400 for what is essentially a cable, you can say, "You can fuck right off, Apple, I'll do it myself," but the math only works out if you don't then spend over $1000 building a full-blown PC with touchscreen controls into the dash/trunk. Being handy and obstinate has ended up being really fucking expensive, actually.
Having a huge tool collection and zero free time is cool, though, so I got that going for me. Which is nice.
Unlike Charmin soft @creepycoug I refuse to hire out the lawn mowing. A man can't be a real man, unless you mow your own lawn. I've done my own brakes and my own oil once, but I don't enjoy it so will probably continue to pay a professional there.
My wife's up my ass to get our interior painted; I'm like Michelangelo with a paint brush but it would have taken too much time vs paying a crew of painters and keeping my marriage intact. -
F.O. Row Peter Puffer, you left...
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F.O. Row Peter Puffer, you left...
I don't have the heart to tell him I pump hypothetical gas and own one of those fancy poodle hybrids.YellowSnow said:
Thinking about what you've spent on academis gives me heartburn. Fortunately, my kids won't be elite, NE liberal arts college material.creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
It's gonna be Boov BA/BS and pumping gas next to @IPukeOregonGrellow for my spawn. -
No Husky, Duck, Cuog, etc season tickets and/or $500K donations to said universities
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored.
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Little or no student loan debtI check a lot of those boxes. Bill leads a simple life. Too many bitches have drained my bank account. At least the last one didn't though.
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Low monthly housing cost relative to net incomeCan't even get the wife to spend, honestly. An awful lot of Scottish ancestry between us. We check a lot of the boxes.
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Low monthly housing cost relative to net income
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored. -
Don't waste money on luxury baublesEwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored.
-
Low monthly housing cost relative to net income
Creep is a pragmatic, center-right dude.USMChawk said:
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored. -
F.O. Row Peter Puffer, you left...
Trust me. It's not a sincere use of the quote. I'll leave it at that.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored. -
No car payments / own a vehicle for 10 + yearsWe have a fondness for expensive vacations
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F.O. Row Peter Puffer, you left...
That's a pretty good proxy. People like me are wary of revolutions and mobs of all kinds. I'm like the market: we prefer no surprises and business as usual to the extent possible. We also like slow change.USMChawk said:
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored. -
Low monthly housing cost relative to net income
You're a Burkean conservative like me. You say you want a revolution? Not me. We? already had one and I'm good.creepycoug said:
That's a pretty good proxy. People like me are wary of revolutions and mobs of all kinds. I'm like the market: we prefer no surprises and business as usual to the extent possible. We also like slow change.USMChawk said:
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored. -
Low monthly housing cost relative to net income
We? have a fondness for sugar mamas too. But you're better at it than me.BearsWiin said:We have a fondness for expensive vacations
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No car payments / own a vehicle for 10 + yearsThe wife and I are a good mix...since we started dating (20 years ago), she has driven a BMW; 2 Passats; an A4: 2 A6s; and is now in a Benz (cash, no payments). I have put 230K on my Highlander, and intend to drive it until it croaks. I am a borderline minimalist, still wearing a pair of top siders I bought 20 years ago, and wearing clothes until they fall apart. We both paid off student loans years ago (mine for grad school). I shop like crazy for shit I want, at the lowest price possible, and buy it. She has her baubles, but is really reasonable about it (unlike some others in the past).
I think I got it from my parents, who both lived through the depression. My dad was tight as shit with money.
We save and budget like crazy for vacations, and tend to travel top-shelf. It helps that she has worked in the travel business for ever, so she knows how to do it right, buying plane tix and reservations months in advance.
The one line that I have drawn is: Nothing less than Copenhagen, nothing less than Jack Daniel's. We saved for Dawg tix for a few years, had them for about 10, and dumped them when it went to Pac at nite... -
No Husky, Duck, Cuog, etc season tickets and/or $500K donations to said universities
Thanks. Creep seems centrist as do many people. But I haven't paid a lot of attention to him lately (prior to the last couple of weeks). That quote didn't.USMChawk said:
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored.
Excluding the simple fact that today's republican party heavily supports trump - I am quite right leaning if you ask 7 of my 8 siblings. I am sure no one on HcH would classify me as such, though. I don't think trump represents true Republican values. Not even close.
The only reason I am on this board is believed Creep, was indeed, centrist. Thanks.
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F.O. Row Peter Puffer, you left...The one that really rings true for me is clothes. I don't buy them at garage sales for Christ's sake (hi @Prestonluv you giant pussy) but I do wear them until one of the five women in my life (hi @Prestonluv you giant pussy) literally throw them away when I'm not looking.
I spent formative years in Aberdeen. Trust me: I know how to wear a pair a fucking jeans until they're ready to walk away on their own. The way I figured it was, the wife and the girls are going to spend a shit ton of money on that kind of thing, so I'll make up for it a little by not trying to be a GQ model, even though I have the looks for it.
Creep -
F.O. Row Peter Puffer, you left...
Liquor should be the good stuff. Also, TV sets. We watch enough of it that I don't compromise on that.Fishpo31 said:The wife and I are a good mix...since we started dating (20 years ago), she has driven a BMW; 2 Passats; an A4: 2 A6s; and is now in a Benz (cash, no payments). I have put 230K on my Highlander, and intend to drive it until it croaks. I am a borderline minimalist, still wearing a pair of top siders I bought 20 years ago, and wearing clothes until they fall apart. We both paid off student loans years ago (mine for grad school). I shop like crazy for shit I want, at the lowest price possible, and buy it. She has her baubles, but is really reasonable about it (unlike some others in the past).
I think I got it from my parents, who both lived through the depression. My dad was tight as shit with money.
We save and budget like crazy for vacations, and tend to travel top-shelf. It helps that she has worked in the travel business for ever, so she knows how to do it right, buying plane tix and reservations months in advance.
The one line that I have drawn is: Nothing less than Copenhagen, nothing less than Jack Daniel's. We saved for Dawg tix for a few years, had them for about 10, and dumped them when it went to Pac at nite...
And, when we're not in the Vid, we like to go out to eat, and when we do, I don't mind paying so that I get what I want. Fuck it. Life is short.
I'm also just as happy grabbing a burger at the Hum Dinger on the way out to 101. -
No Husky, Duck, Cuog, etc season tickets and/or $500K donations to said universities
Okay, some say that makes him something other than a centrist with right leaning tendencies but potato/potatoe. . .YellowSnow said:
Creep is a pragmatic, center-right dude.USMChawk said:
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored.
Thanks -
Low monthly housing cost relative to net income
How narrow is your definition of centrist?EwaDawg said:
Okay, some say that makes him something other than a centrist with right leaning tendencies but potato/potatoe. . .YellowSnow said:
Creep is a pragmatic, center-right dude.USMChawk said:
Creep is pretty centrist, all things considered. If he seems right to you that’s a good indicator of how left you are. I would place Creep at about Tip O’Neil, on the political spectrum.EwaDawg said:
Creep. Can you please keep the vitriol at the tug?creepycoug said:Great pole. All of the above minus one offspring, and that's a big one. Three girls. Very $$$$.
And in reality, while I like to drink, I've spent far less on booze in my lifetim than most of my contemporaries because of seeing alcoholism up close. It ain't pretty, and there are few things more annoying than a drunk. Even more annoying than liberals who lie, and who love to be lied to.
I will other wise interpret your refusal to mean:
- you are nowhere near being a centrist (as you have claimed);
- you like to be lied to by the right (which is more likely to happen than your example); or
- the promise of a politic free zone was (close my eyes) another lie by a conservative.
I am trying my best, except in the case where someone brings cross-over (from another) bored.
Thanks
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Does she allow you to tag along?BearsWiin said:We have a fondness for expensive vacations
