Your Day

Freebase Dali · 12-01-2012, 12:42 AM

Quote:

Originally Posted by ThePhanastasio

I have a similar problem. I feel that working 40 hours a week means that no matter what I do, how much booze I end up buying, gas to drive an hour to and from work, and all of my other miscellaneous expenses still leave me with several hundred dollars at the end of each pay period.

That is money I'm putting into savings, though. Going to train with Lance Storm and what not, as soon as I can.

For def. I should start a savings account, but I've been having varying amounts of money in a checking account for years and years, but for some weird reason, I don't want to make a savings account because I'm afraid I won't have enough in my checking, which is what I use to pay bills. I know common arithmetic can solve this problem, but I dunno. There's just something about checking your account balance and seeing a comforting number.

As far as regular expenditures, I ain't scared to say that my roommate is my own sister. (best kind of roommate is the one you're related to), so I only pay half the bills at this point. Well, since I got my job, I gave my sis a discount. Anyway, my total consistent bills only come out to like 450 a month not including food and gas, and I'm pulling in close to 4 grand a month, and the most ridiculous part of it is I long ago bought all the **** I ever wanted to buy, so I simply browse Newegg and Amazon with a sadface, sorta pissed that now that I have the money to buy ****, there isn't anything I actually need. (want)

It's like, dude, I spent all this time and effort getting to the point where I could afford anything I may need, and by the time I can, I don't need ****. Funny game. Good thing, though, as it will help save money for my house!

Do you have a regular bank savings account with interest, or do you have any suggestions for something else with good interest accrual?

ThePhanastasio · 12-01-2012, 12:50 AM

Quote:

Originally Posted by Freebase Dali

For def. I should start a savings account, but I've been having varying amounts of money in a checking account for years and years, but for some weird reason, I don't want to make a savings account because I'm afraid I won't have enough in my checking, which is what I use to pay bills. I know common arithmetic can solve this problem, but I dunno. There's just something about checking your account balance and seeing a comforting number.

As far as regular expenditures, I ain't scared to say that my roommate is my own sister. (best kind of roommate is the one you're related to), so I only pay half the bills at this point. Well, since I got my job, I gave my sis a discount. Anyway, my total consistent bills only come out to like 450 a month not including food and gas, and I'm pulling in close to 4 grand a month, and the most ridiculous part of it is I long ago bought all the **** I ever wanted to buy, so I simply browse Newegg and Amazon with a sadface, sorta pissed that now that I have the money to buy ****, there isn't anything I actually need. (want)

It's like, dude, I spent all this time and effort getting to the point where I could afford anything I may need, and by the time I can, I don't need ****. Funny game. Good thing, though, as it will help save money for my house!

Do you have a regular bank savings account with interest, or do you have any suggestions for something else with good interest accrual?

Same here, with the inability to find anything I actually need. I spent a ridiculous amount of money on wrestling gear, and still have money left over. I'm probably going to end up splurging on custom gear or something.

And I bank locally; my bank is Kentucky Farmer's Bank, .3% interest rate, and it's credited quarterly. Not the best, but I've had national banks previously and they've been kind of sketch. This one is small enough where I don't have to worry about any of the weird issues I've had with bigger banks...i.e. "Overdraft protection" that's supposed to notify me via text, balances which aren't updating when I check my balance, and what-have-you. I'm very happy with my bank right now.

I just recommend steering clear of City National (if there's on around you) BB&T, and National City.

Freebase Dali · 12-01-2012, 12:55 AM

Quote:

Originally Posted by ThePhanastasio

Same here, with the inability to find anything I actually need. I spent a ridiculous amount of money on wrestling gear, and still have money left over. I'm probably going to end up splurging on custom gear or something.

And I bank locally; my bank is Kentucky Farmer's Bank, .3% interest rate, and it's credited quarterly. Not the best, but I've had national banks previously and they've been kind of sketch. This one is small enough where I don't have to worry about any of the weird issues I've had with bigger banks...i.e. "Overdraft protection" that's supposed to notify me via text, balances which aren't updating when I check my balance, and what-have-you. I'm very happy with my bank right now.

I just recommend steering clear of City National (if there's on around you) BB&T, and National City.

Hmm. I bank with Regions. Dunno if they have branches in your area, but since I already bank with them and have my credit card account with them, I figure any loan I take out, I may as well take out with them, but I haven't looked into their actual savings account interest rates. Just wondering if it's better to go with something other than a savings account if I'm looking to go with the highest interest on it.

ThePhanastasio · 12-01-2012, 12:57 AM

Quote:

Originally Posted by Freebase Dali

Thanks for the recs. I bank with Regions. Dunno if they have branches in your area, but since I already bank with them and have my credit card account with them, I figure any loan I take out, I may as well take out with them, but I haven't looked into their actual savings account interest rates. Just wondering if it's better to go with something other than a savings account if I'm looking to go with the highest interest on it.

Well, my mother actually has her savings with a credit union - DESCO, I think it's called? - and she is trying to convince me to go over there. But I don't know...KFB has been really good to me.

Freebase Dali · 12-01-2012, 01:00 AM

Quote:

Originally Posted by ThePhanastasio

Well, my mother actually has her savings with a credit union - DESCO, I think it's called? - and she is trying to convince me to go over there. But I don't know...KFB has been really good to me.

Yea I generally stick with the guys who treat me well. Bank of America is the worst, left those *******s. Had several others that weren't worth it. I've had good experiences with credit unions, but these were back when I was in the military. I wonder if there are any good credit unions in the states that have regional offices I should look into?

The Batlord · 12-01-2012, 09:04 AM

Quote:

Originally Posted by Freebase Dali

It's like, dude, I spent all this time and effort getting to the point where I could afford anything I may need, and by the time I can, I don't need ****. Funny game. Good thing, though, as it will help save money for my house!

Well, I wouldn't mind a sugar daddy. So, yeah, there's always that.

Trollheart · 12-01-2012, 03:44 PM

Quote:

Originally Posted by Freebase Dali

Got paid today as well. Realized that every paycheck, my bank account balance increases by 2,000 dollars no matter how much I spend. This has happened like 4 times already. I can't, for the life of me, understand how I'm not spending enough money to offset this, try as I may.
Life is hard.

You should come to Ireland. We have a great mechanism to combat that: it's called the Cost of Living. Works great: no matter how much I try to save, or at least keep the money that's in my account there, it's always less no matter how much I scrimp. On occasions, it's gone into reverse, with minus figures.

I'll swap you your problem for mine anyday!

Edit: YAY! I reached three thousand posts!

CanwllCorfe · 12-01-2012, 09:18 PM

Pretty slow day. I'm listening to some DSBM right now, and decided to see if I could find any pictures of the artists. I mean, I know they deal with depression and suicide, but I'm finding a surprising amount of them with pictures of their arms and sometimes chests/stomachs cut up. So far Happy Days, Shining, Sterbend, Make a Change... Kill Yourself, and the two most intense ones belonging to:

Spoiler for Trist:

And the other being:

Spoiler for Lifelover:

My perspectives have definitely changed.

PoorOldPo · 12-01-2012, 09:20 PM

Dude... you need to spoiler that **** properly.

CanwllCorfe · 12-01-2012, 09:28 PM

FINALLY got it.

12-01-2012, 09:18 PM	#21508 (permalink)
CanwllCorfe Quiet Man in the Corner Join Date: Feb 2009 Location: Pocono Mountains Posts: 2,480	Pretty slow day. I'm listening to some DSBM right now, and decided to see if I could find any pictures of the artists. I mean, I know they deal with depression and suicide, but I'm finding a surprising amount of them with pictures of their arms and sometimes chests/stomachs cut up. So far Happy Days, Shining, Sterbend, Make a Change... Kill Yourself, and the two most intense ones belonging to: Spoiler for Trist: And the other being: Spoiler for Lifelover: My perspectives have definitely changed. __________________ Your eyes were never yet let in to see the majesty and riches of the mind, but dwell in darkness; for your God is blind. Last edited by CanwllCorfe; 12-01-2012 at 09:28 PM.

12-01-2012, 09:20 PM	#21509 (permalink)
PoorOldPo Blue Pill Oww Join Date: Jan 2011 Location: Luimneach, Eire Posts: 1,107	Dude... you need to spoiler that **** properly. __________________ https://www.instagram.com/hennas.lullaby/

12-01-2012, 09:28 PM	#21510 (permalink)
CanwllCorfe Quiet Man in the Corner Join Date: Feb 2009 Location: Pocono Mountains Posts: 2,480	FINALLY got it. __________________ Your eyes were never yet let in to see the majesty and riches of the mind, but dwell in darkness; for your God is blind.