How is everyone dealing with their finances in this economy?

[nik-]

Originally Posted by squiggs96

Here is the advice that I gave PIMKing, aka Ian Demler. https://forum.calgarypuck.com/showpo...7&postcount=15


There is lots of other great advice in the thread.

Thread was never re-opened. What a miscarriage of justice!

[Icantwhisper]

Originally Posted by Winsor_Pilates

Yeah, that's correct.
It's cut & colour and she does it max 3-4 times a year; but that's still insanely expensive.
I think the salon owner is friends with the Kardashians so of course I'm paying extra for that privilege

Been shaving my head for 25 years, 2 pairs of clippers = $50, shampoo lasts a year, probably saved thousands, "Big Hair" isn't getting my money!!!

[Cecil Terwilliger]

Originally Posted by cam_calderon

I think this thread is a pretty good indication that especially when times are tough, you do only look out for No.1, especially all the posts from the single parents and guys living on their own. Maybe not because you don't have empathy but because you're solely focused on keeping above water.

Who would people living on their own look out for? What makes them any less altruistic than a guy with a family?

[cam_calderon]

Originally Posted by Cecil Terwilliger

Who would people living on their own look out for? What makes them any less altruistic than a guy with a family?

Typically someone who lives alone and is childless will be focusing pretty much on their own needs, especially if they're under financial stress.

[Cecil Terwilliger]

Originally Posted by cam_calderon

Typically someone who lives alone and is childless will be focusing pretty much on their own needs, especially if they're under financial stress.

Agreed. Reading it again I think I misunderstood your original post.

[Cowboy89]

Originally Posted by squiggs96

Here is the advice that I gave PIMKing, aka Ian Demler. https://forum.calgarypuck.com/showpo...7&postcount=15


There is lots of other great advice in the thread.

Oh yeah, Ian Demler, the scam artist who took advantage of our good will and swindled this community and many other online communities for thousands(?) of dollars. I think he was from Alabama / Florida? Last known location in Wake Forest / Durham region, North Carolina. Aka ohmeingott13 on message boards elsewhere. Guess I shouldn't use his real name, in case any potential employers or romantic interests are googling him. Ian Demler.

[sketchyt]

I have a cash flow spreadsheet that is broken out by month, income streams and every expense imaginable. It looks a lot like this.

A few years ago, I took a few hours to put every single and forthcoming expense (bills, vacation, RSPs, food, etc...) in the spreadsheet. This spat out a cash flow amount every month and what I would have remaining for the year. You have to be very, very honest and accurate to what you spend and what you make.

I now look at this every few months to see if I'm on track. I'm generally not far off. If I am, I look at what the expense(s) caused it.

My point is, understanding where you are spending your money is critical before deciding how you're going to spend it.

[PaperBagger'14]

Originally Posted by Sliver

Honestly, it's not altruistic. If my employees can't afford to live and are unhappy it completely fks my company, so I definitely don't need pats on the back.

I think most business owners are nicer people than they get credit for. We're generally not out to screw our staff. A. that's just the right thing to do, and B. it is actually to our benefit to be good to the people who work for us.

P.S. It's definitely private. Was public with CP discounts at one point until some a-hole gave my company a 1-star review saying 'the owner hates dogs; don't shop here' or something like that. Just a total clown move.

Did you ever find out who it was that left the “poor” review? That’s a real prick thing to do. It would be one thing if they legit had a bad experience but to screw someone, financially, over their opinion of dogs is ridiculous.

[you&me]

Originally Posted by PaperBagger'14

Did you ever find out who it was that left the “poor” review? That’s a real prick thing to do. It would be one thing if they legit had a bad experience but to screw someone, financially, over their opinion of dogs is ridiculous.

And it wouldn't have just been to Sliver's detriment... I think he's demonstrated well enough that he takes good care of his employees, as best he can, so any attack on his business will affect many others than just that dog-hater

[Winsor_Pilates]

Originally Posted by Icantwhisper

Been shaving my head for 25 years, 2 pairs of clippers = $50, shampoo lasts a year, probably saved thousands, "Big Hair" isn't getting my money!!!

Can you shave my wife's head?

[Winsor_Pilates]

Originally Posted by sketchyt

I have a cash flow spreadsheet that is broken out by month, income streams and every expense imaginable. It looks a lot like this.

A few years ago, I took a few hours to put every single and forthcoming expense (bills, vacation, RSPs, food, etc...) in the spreadsheet. This spat out a cash flow amount every month and what I would have remaining for the year. You have to be very, very honest and accurate to what you spend and what you make.

I now look at this every few months to see if I'm on track. I'm generally not far off. If I am, I look at what the expense(s) caused it.

My point is, understanding where you are spending your money is critical before deciding how you're going to spend it.

This is a lot of calories tracking for weight loss.
You do it for a while and it's incredibly eye opening. Then you don't have to keep doing it forever, but you really start to see where you're going overboard.

MyFitnessPal should make a sister app called MyFinancePal.

[TheIronMaiden]

Originally Posted by Winsor_Pilates

Can you shave my wife's head?

I can do it for $450.

[sketchyt]

Originally Posted by Winsor_Pilates

This is a lot of calories tracking for weight loss.
You do it for a while and it's incredibly eye opening. Then you don't have to keep doing it forever, but you really start to see where you're going overboard.

MyFitnessPal should make a sister app called MyFinancePal.

Yes, exactly. I used to look at it every month and update. Then it became every couple months. Then it became whenever there were major changes (i.e. new job, mortgage, etc...).

I find it comforting to know exactly how much more I have or how much of a shortfall I have. Can make a plan after that.

I've shown this to people who have troubles budgeting. I'm amazed almost none of them will take the time/effort to look at their finances in this way.

[Sliver]

Originally Posted by PaperBagger'14

Did you ever find out who it was that left the “poor” review? That’s a real prick thing to do. It would be one thing if they legit had a bad experience but to screw someone, financially, over their opinion of dogs is ridiculous.

I don't know who it was. I'm guessing Fuzz, but I'll never no for sure.

j/k, of course, Fuzz

[Sliver]

Originally Posted by you&me

And it wouldn't have just been to Sliver's detriment... I think he's demonstrated well enough that he takes good care of his employees, as best he can, so any attack on his business will affect many others than just that dog-hater

Yeah, the other crazy thing is I let my staff bring their dogs since I know people bond with them like family. Like, I can not like dogs, but respect the relationship other people have with them.

Anyway, this was years ago. I just hold a grudge hah.

[Fuzz]

Originally Posted by Sliver

I don't know who it was. I'm guessing Fuzz, but I'll never no for sure.

j/k, of course, Fuzz

Couldn't have been me, because if I knew where you worked I'd have pranked you at least once with a dude in a bear costume hiding in your truck.

[PaperBagger'14]

Originally Posted by Sliver

I don't know who it was. I'm guessing Fuzz, but I'll never no for sure.

j/k, of course, Fuzz

Then you’re lucky all he did was leave a bad review instead of dumping 5 tons of clay in front of your business entrance.

[fotze2]

Originally Posted by nik-

Thread was never re-opened. What a miscarriage of justice!

Was that the guy who accidentally posted his jerking off vid?

[Doctorfever]

Originally Posted by fotze2

was that the guy who accidentally posted his jerking off vid?

wtf?

[Sylvanfan]

I tried to solve what some would call a revenue problem by considering a different job. So it would be a theoretical 7% increase in pay. But for a loser like me that's only 580 a month. It's not a work from home job, but has better benefits. Probably a touch more growth opportunity. My estimate is that driving work that often will result in $240 a month of increased expenses which I think is an underestimate on my part. So after taxes in the end I'd only net like $140 a month and give up a lot of flexibility that I currently have. Plus it's 4 plus hours a week for commuting too that I don't have right now.

So looks like I need like at least a 10% increase to actually see any tangible gain if I was to go back to working in a office. Or find one a lot closer to where I live. Would be easier to see if my current employer can increase my pay by $200 a month. But shows how much I really need to fix myself if I want to get back to where I was two years ago and stop falling behind the pack.