User Panel
Posted: 8/11/2011 8:10:43 PM EST
(offshoot of the other thread related to the 64% of Americans who can't)
No need to post if you don't want, just hit the poll if you can make a $1000 emergency go away without borrowing or selling anything. |
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Quoted:
(offshoot of the other thread related to the 64% of Americans who can't) No need to post if you don't want, just hit the poll if you can make a $1000 emergency go away without borrowing or selling anything. yep, as long as a banks open |
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Yeah, but I wouldn't have been for the last 6 months or so. But by budgeting, planning, cutting back and living even more parsimoniously than usual, now I have a $1000+ surplus while paying down my debt's principal by $1000/month on top of interest.
Unbelievable, I know |
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If you don't even have $1000 in cash as a backup, you probably ought to be living on beans and rice, drinking tapwater, and using 56k until you do.
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$7700.00 in my emergency fund.. That cover my normal monthly bills for 4 months..
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Yep, several times over. Haven't been without a savings account since I was a teen.
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yep would take about 30 seconds
besides emergencies you would be amazed the smoking deals you can get by being able to wave cash in someones face RIGHT NOW even if it is 2am on a Sunday |
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I have 3 months "bare" living expenses (all bills and staple grocery cost) in cash in my nightstand.
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Quoted:
I have 3 months "bare" living expenses (all bills and staple grocery cost) in cash in my nightstand. Got an address?? |
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I always keep a couple thou in cash stashed for the OMG moments that seem to happen at the most inopportune moment.
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I had a 1k emergency fund even when I was "poor"
YOu cant make it to work if your fucking car breaks and you don't have money to fix it. Not that hard to save 1k even when you are poor. |
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Quoted: besides emergencies you would be amazed the smoking deals you can get by being able to wave cash in someones face RIGHT NOW even if it is 2am on a Sunday I carry a shitload of cash on my person. I almost never use cash, I use credit cards. Mostly I use credit cards to irritate the Ramsey people on ar15.com and listen to them tell me that I am a bank slave and I am living month to month and my lifestyle is unsustainable and I am making the banks rich and I am a retard. If it wasn't so fucking entertaining, and I didn't want the points I *guess* I'd use a debit card but come on where is the fun in that? I keep between $400-$600 on my person at all times. I've probably had the same exact wad of cash on me for the past 6 months. I think I've tipped a few valets but other than that the money doesn't come out I use plastic. So why carry so much cash? Because cash solves problems. Cash gets shit done. And sometimes, cash gets you an awesome discount. It doesn't happen very often, but there have been enough times in my life that I was able to start peeling off $20's (or the odd $100) to just make this "problem" go away. |
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Quoted:
Yeah, but I wouldn't have been for the last 6 months or so. But by budgeting, planning, cutting back and living even more parsimoniously than usual, now I have a $1000+ surplus while paying down my debt's principal by $1000/month on top of interest. Unbelievable, I know Sounds like small potatoes to some, but it's a big accomplishment-and worthy of praise-when you turn a lifestyle around and start going forward financially. I think changing your spending habits is as hard as quitting any other addiction. |
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Quoted:
Quoted:
(offshoot of the other thread related to the 64% of Americans who can't) No need to post if you don't want, just hit the poll if you can make a $1000 emergency go away without borrowing or selling anything. yep, as long as a banks open I can remember my safe combination |
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Quoted:
I always keep a couple thou in cash stashed for the OMG moments that seem to happen at the most inopportune moment. Same here, but it has diminished because I bought some silver. In the 2 or 3 years since I took it out of the bank, money is visibly buying less than it did originally. I've never been a precious metals guy but I reasoned that money's value is definitely going down, while silver only MAY go down. |
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No I could not. I'm working on changing that but as of this moment I can't.
But working part time at home depot doesn't exactly give you a lot of surplus. Before someone says anything yeah I am looking for better employment. But it's always easier to get a job if you have a job. |
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had over $3K in savings then wifes mother called begging for money for rent and utils, wife can't say no.
Its not happening again, if the woman needs a place to live, shes welcome in my house anytime, but I'm not a fucking ATM. This plus my wife losing hours at work due to off season, means theres about $300 right now in there. ETA: I don't even want to talk about Christmas coming up, I figure after this year, kids don't get jack, but the wife doesn't agree, so thats $500 for shit they will destroy in 1 or 2 weeks. |
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No I could not. I'm working on changing that but as of this moment I can't. But working part time at home depot doesn't exactly give you a lot of surplus. Before someone says anything yeah I am looking for better employment. But it's always easier to get a job if you have a job. Work two shitty jobs. Seriously. |
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Quoted:
had over $3K in savings then wifes mother called begging for money for rent and utils, wife can't say no. Its not happening again, if the woman needs a place to live, shes welcome in my house anytime, but I'm not a fucking ATM. This plus my wife losing hours at work due to off season, means theres about $300 right now in there. ETA: I don't even want to talk about Christmas coming up, I figure after this year, kids don't get jack, but the wife doesn't agree, so thats $500 for shit they will destroy in 1 or 2 weeks. Your wife knows where your money stash is? I can understand that people want to trust their wives with everything important in life but if she's prone to bad decision she shouldn't have the ability to access that money. Not telling you how to run a marriage, but life might be easier if she knew less about your emergency stash.. |
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Yes. About 3 months of pay in savings, and about the same in Silver.
I've been through some bad times in the past and know to save for a rainy day and unseen circumstances. Just put 400 into my truck last week, and was glad I didn't have to worry. |
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yep would take about 30 seconds besides emergencies you would be amazed the smoking deals you can get by being able to wave cash in someones face RIGHT NOW even if it is 2am on a Sunday I don't recall ever finding a crazy deal by waving cash around |
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Yep. The nice part about living in shitty motels in tiny little Nebraska/Wyoming towns is that there's nowhere to spend the money I make.
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I keep 3k cash at home at all times (sometimes car deals or other deals pop out of no where and you have to act quick).
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Quoted: Quoted: Yeah, but I wouldn't have been for the last 6 months or so. But by budgeting, planning, cutting back and living even more parsimoniously than usual, now I have a $1000+ surplus while paying down my debt's principal by $1000/month on top of interest. Unbelievable, I know Sounds like small potatoes to some, but it's a big accomplishment-and worthy of praise-when you turn a lifestyle around and start going forward financially. I think changing your spending habits is as hard as quitting any other addiction. It is, and I normally don't live so close to the bone. But I decided to tackle a big debt last November. I decided to take a mild risk and push my normal emergency and investment fund to paying down the nagging debt ASAP to get rid of it instead of just financing it, and then pay taxes on top of that. For the last 6 months or so, I had about $300 in my bank account at most, but I knew as long as I stuck with my budget, after July I would have more than $1000 on tap, as well as meeting all my expenses, plus addressing my debt plus interest. |
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Just had to replace my vehicle. Still have over 2k in the emergency fund.
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Quoted:
Quoted:
yep would take about 30 seconds besides emergencies you would be amazed the smoking deals you can get by being able to wave cash in someones face RIGHT NOW even if it is 2am on a Sunday I don't recall ever finding a crazy deal by waving cash around Never been to a strip club...? |
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Quoted: I have gotten numerous items cheap before because I could give um cash now instead of them waiting a hour for someone else to go to the bank Quoted: yep would take about 30 seconds besides emergencies you would be amazed the smoking deals you can get by being able to wave cash in someones face RIGHT NOW even if it is 2am on a Sunday I don't recall ever finding a crazy deal by waving cash around |
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yes
can pull that amount out of the gunsafe in cash or write a check |
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Quoted:
Quoted:
(offshoot of the other thread related to the 64% of Americans who can't) No need to post if you don't want, just hit the poll if you can make a $1000 emergency go away without borrowing or selling anything. yep, as long as a banks open Me too... I have $300 in cash at home (in a vacuum foodsaver bag), the rest is in the bank. That reminds me, I need another $200 in cash at home ...eventually raising it to $1000.... |
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Quoted:
Quoted:
(offshoot of the other thread related to the 64% of Americans who can't) No need to post if you don't want, just hit the poll if you can make a $1000 emergency go away without borrowing or selling anything. yep, as long as a banks open |
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I would pay you $1k also to never post again too. ;)
Posted Via AR15.Com Mobile |
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Just barely, right now. But I always keep a few thousand dollars in the bank as a cushion for emergencies.
Recently had to use it for some emergency dental work, so I'm a bit slim the past week or so. |
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yep, as long as a banks open I was shocked that my wife just mentioned to me we should have some cash stashed at the house in case of emergencies and we decided on $1000. I am always trying to be prepared but I NEVER thought she would get on my side with this. We have a few weeks of food and water stashed, maybe she is realizing that shit is getting serious in the world. |
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Emergency? You mean like if someone has a particularly nice gun in the hometown EE?
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This is Arf...everybody who didn't reply has at least $100k in vacuum packed bags in their gun safe
If the bank was open,sure, but I honestly don't think 30% of my friends could. The cost of living is brutally high here and most do literally live from paycheck to paycheck and spend summers working to pay up last winter's fuel bill that's sitting on a credit card.That's life in modern day American for you though. |
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I just tell one of my supermodel girlfriends to wipe the cocaine off her ass and drive one of my Bugatti Veryons over to the separate house I had built just to keep all my safes in. After she takes $1000 out of a safe, I'll have her ask my helicopter pilot to fly it back here and hand it to me.
Of course, I'll ask her to check the glove compartment first, because I might have forgotten a couple of thousand in there, you know for toll frees and valets. |
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Yea but it would suck, and its only because I just got paid today. Yes I work a shitty night job. Thankful that I have that!
All I can say is this:
Fuck Student Loans. Going to the school I went to was the worst decision of my life. Choose wisely. |
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Quoted: Yeah, but don't ask me to keep repeating it over and over. This. But I'm working on it. |
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