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19 Sep 2005, 01:10
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#1
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so f*cking zen
Join Date: Jan 2003
Location: Hitting Bottom
Posts: 8,499
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Budgets suck ass
I just worked out a budget tonight.
I did it 'cause i need to save some money (to get a deposit to get a flat to get a girl etc etc etc).
I earn approx £1500 a month (not much i appreciate but still ...).
Of that once i take away:
- Tax
- Essential items (eg contact lenses)
- Accomodation
- Food
- Various other shit.
It leaves me with about £150 a month to spend on "entertainment".
I get to spend 10% of my wage on entertainment.
Like i say it "sucks ass" :(
Anyways anyone else having (or had) difficulty saving?
__________________
On a long enough timeline, the survival rate for everyone drops to zero.
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19 Sep 2005, 01:14
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#2
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Hi there ...
Join Date: May 2004
Posts: 481
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Re: Budgets suck ass
i have 500€ in total which is about £350 and now guess how much i have left for entertainment per month!
life is not entertaining to me
good that we have PA and this boards
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#Reunion
[Ascendancy] - While you were trying, we were sleeping
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19 Sep 2005, 01:21
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#3
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Banned
Join Date: May 2001
Location: Further to the right
Posts: 19,441
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Re: Budgets suck ass
I spend money like there's no tomorrow. Frequently when I wake up in the morning I wish there hadn't been.
__________________
Some might ask what good is life without purpose but I'm anticipating a good lunch.
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19 Sep 2005, 01:24
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#4
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Registered User
Join Date: Oct 2001
Posts: 940
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Re: Budgets suck ass
I did a budget this week.
After all of the above I have £100 a week to spend on going out, and I won't even be working.
Don't you just love students.
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19 Sep 2005, 01:44
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#5
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Vermin Supreme
Join Date: Jul 2000
Location: Pittsburgh
Posts: 3,280
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Re: Budgets suck ass
i used to try to do budgets, but it turns out ~30% of my expenses fall into the "random unpredictable shit that will never happen again" category, making the exercise rather pointless.
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19 Sep 2005, 04:07
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#6
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USS Oklahoma
Join Date: Jun 2005
Posts: 2,500
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Re: Budgets suck ass
I assume that this all includes th 10% you are investing so that you can have a regal retirement?
__________________
Ignorance is curable, stupidity is not.
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19 Sep 2005, 05:22
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#7
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not the daddy...
Join Date: Dec 2003
Location: Chino Hills, CA.
Posts: 117
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Re: Budgets suck ass
I have never made enough extra money to save properly. Budget? When I am out of money, I have exceeded my budget.
Of course, I have always leaned more toward personal entertainment. Security and stability are highly over-rated.
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Discussions in general...
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19 Sep 2005, 08:22
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#8
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Clerk
Join Date: Jun 2001
Posts: 13,940
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Re: Budgets suck ass
My attempts at budgeting would be easier if I didn't have to pay about £700 per month on servicing my debts.
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19 Sep 2005, 08:38
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#9
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Caveat Lector
Join Date: Feb 2003
Location: Tucson, Arizona
Posts: 3,038
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Re: Budgets suck ass
I'm currently making no money per month.
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19 Sep 2005, 09:20
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#10
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Bored
Join Date: Apr 2001
Location: Nottm ->Shef ->Croydon ->Manc ->Durham ->Sheffield
Posts: 6,506
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Re: Budgets suck ass
i haven't been paid yet so I can't worked it out exactly...
My estimate is around £300 a week minus rent minus bills. leaving about £150 a week to spend on everything else.
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19 Sep 2005, 09:27
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#11
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a little bit broken
Join Date: Jun 2003
Posts: 1,405
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Re: Budgets suck ass
i have £1.76 in my purse and slightly less than nothing in the bank and dont get paid until a week on friday.
i now have to decide between buying bread, loo roll and cat litter.
though i may go hungry next week i do have the most fabulous pair of brown leather lace up boots.
i am weak i tell you, weak, weak, weak.
m
x
am going to set myself up as a charitable cause
paypal donations to madi.joy@btopenworld greatfully recieved (i wont spend it on shoes honest)
__________________
i came, i saw, i made a bit of a mess
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19 Sep 2005, 09:41
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#12
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Cute Kitten
Join Date: May 2003
Posts: 724
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Re: Budgets suck ass
Depressingly I monitor our finances very carefully - it helps when all income is either weekly or termly, but the outgoings are monthly. I have jst been going over them after receiving the letter detailing when Mark will get his Loan payments through, and its looking quite good. Given we will be paying a horrible amount in rent, I am rather pleased about this. We dont have a specific amount for 'entertainment', but we have £75 a week allocated for feeding ourselves, which should be far more than requires, and we do have a fair amount of spare money should we want to splash out (and splash out we do, on a far too regular basis).
I too have the issues with paying out far too much to service debts. What adds to the annoyance is I know I have an inheritance due to me now (was due either when I marry or when I turn 25) but because it was intended for 'setting up home' my mum doesnt want to hand it over - I think she has forgotten I know about it as I only found out by accident. It bugs me as right now I am probably in the most 'setting up a home' phase I am likely to have before I turn 35 as we are getting an unfurnished flat for the first time. If she tries to hold on to it till I actually buy somewhere I may be dead before that day comes round!
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19 Sep 2005, 12:22
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#13
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________
Join Date: May 2002
Location: Somwhere I belong
Posts: 4,474
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Re: Budgets suck ass
I normally have around £50 - 100 to spend on entertainment and "random things that could have waited until the next month"
Most of it goes to bills and debts.
Plus poor people who are more hungry than me (who now owe me £515)
If only I could win more at the bloody local bookies.
__________________
Quote:
Originally Posted by blink 182
Breathing deeply, walking backwards,
finding strength to call and ask her
Roller coaster favorite ride,
let me kiss you one last time.
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19 Sep 2005, 12:36
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#14
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Godfather
Join Date: May 2000
Location: England
Posts: 5,185
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Re: Budgets suck ass
Quote:
Originally Posted by horn
i remember a few years ago (i think) a woman sent in a photo and a letter to FHM offering to get her tits out if readers raised enough money for her to go travelling. It worked.
It almost seems like taking advantage seeing as you can't afford to eat, but i rekon text based space management game players are even more desperate than the average FHM reader... maybe.
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so she was a whore?
__________________
Forum Administrator
Mail : [email protected] // IRC : #forums
__________________
It's not personal, it's just business.
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19 Sep 2005, 12:48
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#15
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a little bit broken
Join Date: Jun 2003
Posts: 1,405
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Re: Budgets suck ass
Quote:
Originally Posted by horn
It almost seems like taking advantage seeing as you can't afford to eat, but i rekon text based space management game players are even more desperate than the average FHM reader... maybe.
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naah, i once offered to run around on newbury race course in my undies if everyone gave me a pound, and no-one did.
though this perhaps says more about my granny pants and lack of boobs.
m
x
__________________
i came, i saw, i made a bit of a mess
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19 Sep 2005, 12:52
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#16
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Bored
Join Date: Apr 2001
Location: Nottm ->Shef ->Croydon ->Manc ->Durham ->Sheffield
Posts: 6,506
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Re: Budgets suck ass
Quote:
Originally Posted by madi
naah, i once offered to run around on newbury race course in my undies if everyone gave me a pound, and no-one did.
though this perhaps says more about my granny pants and lack of boobs.
m
x
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I'd have paid
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19 Sep 2005, 13:01
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#17
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________
Join Date: May 2002
Location: Somwhere I belong
Posts: 4,474
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Re: Budgets suck ass
Quote:
Originally Posted by madi
though this perhaps says more about my granny pants and lack of boobs.
m
x
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You just need to be at the right place and time. I'm sure there are spots where their fetish is women wearing granny pants and lack of boobs.
*shrug*
P.S. Not offending here.
__________________
Quote:
Originally Posted by blink 182
Breathing deeply, walking backwards,
finding strength to call and ask her
Roller coaster favorite ride,
let me kiss you one last time.
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19 Sep 2005, 13:45
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#18
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Next goal wins!
Join Date: Sep 2000
Location: London
Posts: 5,406
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Re: Budgets suck ass
**** budgets, do what i do, spend all the money you want until you run out, then live on **** all for the next few weeks/months till you get paid.
sure, its not exactly responsible, but when you are poor you get more free stuff, so it's actually better value for money.
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bastard bastard bastard bastard
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19 Sep 2005, 13:49
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#19
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Registered User
Join Date: Jan 2005
Location: London
Posts: 3,347
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Re: Budgets suck ass
Quote:
Originally Posted by Ebany
Depressingly I monitor our finances very carefully - it helps when all income is either weekly or termly, but the outgoings are monthly. I have jst been going over them after receiving the letter detailing when Mark will get his Loan payments through, and its looking quite good. Given we will be paying a horrible amount in rent, I am rather pleased about this. We dont have a specific amount for 'entertainment', but we have £75 a week allocated for feeding ourselves, which should be far more than requires, and we do have a fair amount of spare money should we want to splash out (and splash out we do, on a far too regular basis).
I too have the issues with paying out far too much to service debts. What adds to the annoyance is I know I have an inheritance due to me now (was due either when I marry or when I turn 25) but because it was intended for 'setting up home' my mum doesnt want to hand it over - I think she has forgotten I know about it as I only found out by accident. It bugs me as right now I am probably in the most 'setting up a home' phase I am likely to have before I turn 35 as we are getting an unfurnished flat for the first time. If she tries to hold on to it till I actually buy somewhere I may be dead before that day comes round!
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take her to court and sue her ass.
they do it all the time on Judge Judy.
__________________
The 20th century has been characterised by three developments of great political importance. The growth of democracy; the growth of corporate power; and the growth of corporate propaganda as a means of protecting corporate power against democracy.
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19 Sep 2005, 13:57
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#20
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You love me really
Join Date: Aug 2005
Posts: 342
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Re: Budgets suck ass
Quote:
Originally Posted by madi
paypal donations to madi.joy@btopenworld greatfully recieved (i wont spend it on shoes honest)
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What can I get for a tenner?
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19 Sep 2005, 14:17
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#21
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Registered User
Join Date: Oct 2000
Posts: 4,944
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Re: Budgets suck ass
I get given £12000 a year for my PhD, the first quartely installment comes in a week or two. I just know i'm going to blow it all stupidly
My rent is £425 between me and my gf so £212.50. Add on bills, internet, food etc and even going for a high estimate of £500/month expenditure I still have quite a bit left over.
__________________
I find it kind of funny
I find it kind of sad
The dreams in which i'm dying
Are the best i've ever had
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19 Sep 2005, 15:50
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#22
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Cute Kitten
Join Date: May 2003
Posts: 724
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Re: Budgets suck ass
Quote:
Originally Posted by All Systems Go
take her to court and sue her ass.
they do it all the time on Judge Judy.
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Tempting, but I think I'll try discussing it with her first. So far she has been studiously avoiding the subject during any phone calls.
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19 Sep 2005, 17:16
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#23
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Insanity Prawn Boy!
Join Date: Dec 2001
Location: In a bush where you can't find me
Posts: 2,474
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Re: Budgets suck ass
Quote:
Originally Posted by Arachnidman
What can I get for a tenner?
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sucky sucky
__________________
They shall not grow old, as we who are left grow old:
Age shall not weary them, nor the years condemn.
At the going down of the sun and in the morning
We shall remember them.
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19 Sep 2005, 17:42
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#24
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break it down!
Join Date: Feb 2005
Posts: 2,087
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Re: Budgets suck ass
Im currently sucking my parents's bank accounts dry
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19 Sep 2005, 19:29
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#25
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Has Soup On His Head
Join Date: Aug 2000
Posts: 10,095
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Re: Budgets suck ass
Quote:
Originally Posted by madi
naah, i once offered to run around on newbury race course in my undies if everyone gave me a pound, and no-one did.
though this perhaps says more about my granny pants and lack of boobs.
m
x
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#
And yet we paid Grimble £40 to do EXACTLY the same thing
Now , im not sure if that says something that PA players chose to pay a drunken norwegian male £40 to run around the racecourse nekkid but wouldnt pay a pound each to have you flash your fried egg's, but it is mildly amusing
__________________
And the Banker, inspired with a courage so new
It was matter for general remark,
Rushed madly ahead and was lost to their view
In his zeal to discover the Snark
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19 Sep 2005, 19:43
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#26
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Love's Sweet Exile
Join Date: May 2001
Location: Living on a Stair (Now Sword-less)
Posts: 2,371
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Re: Budgets suck ass
I take home around £1k a month after tax, my rent is £230 and my car costs me £200 a month, so it leaves me with about £570 to spend on petrol, food and entertainment, which isn't bad.
And I get a payrise (review, same thing isn't it? :|) in 2 weeks
[edit] didn't mean to enter yet...
I just set up an account with Egg-Money, which gives you 4% on any +ve balance (or alternatively up to (for me) £500 credit) and 1% cash-back on all purchases, with 10% on selected special offers. It basically means for spending £500 a month with the card, you earn about £60 a year, about the same as if you left £1000 in a savings account...
I plan on moving my money (minus car+rent) to it at the start of each month, so then I won't have to worry about either of them not clearing for whatever reason (landlord isn't always in a rush to pay in my cheques...)
__________________
--SYMM--
Ba Ba Ti Ki Di Do
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19 Sep 2005, 20:15
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#27
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Cute Kitten
Join Date: May 2003
Posts: 724
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Re: Budgets suck ass
Damn all you people with cheap rents. Mine seems to be about 4x yours (though it is for 2 people, so I guess its 2x really...)
Bloody expensive Cambridge.
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19 Sep 2005, 20:41
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#28
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You love me really
Join Date: Aug 2005
Posts: 342
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Re: Budgets suck ass
Man this sucks, when I start working, Im apparently going to be paying £11,000 a year in tax according to this
http://www.i-resign.com/uk/financial...lator_tool.asp
I'm moving to Monaco!
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19 Sep 2005, 20:59
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#29
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Bored
Join Date: Apr 2001
Location: Nottm ->Shef ->Croydon ->Manc ->Durham ->Sheffield
Posts: 6,506
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Re: Budgets suck ass
Quote:
Originally Posted by Arachnidman
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That is depressing
£277 a week minus rent minus bills...
Will see how accurate it is when I get paid at the end of the month...
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19 Sep 2005, 21:01
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#30
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Clerk
Join Date: Jun 2001
Posts: 13,940
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Re: Budgets suck ass
Quote:
Originally Posted by Arachnidman
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That's quite accurate for me at least.
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19 Sep 2005, 22:42
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#31
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Evil inside
Join Date: Nov 2001
Posts: 3,631
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Re: Budgets suck ass
I dont want to make a bugdet. It will only serve to make me depressed, about how little I have spare each month.
Living in Norway as a student with no job on the side is just bad.
__________________
<Germania>but you called Fury a bully, and that is terribly unfair
<Hicks>Occassionally individuals do things without Executive consent
<Dreadnought>You cant whois on Eclipse server without a registered nic, which mr ****stirrer doesnt have.
<Almeida> well i like to grow fat myself too, and when i have enough ships then i can engage in big battles
<Nantoz> Zhukov for Lord Protector!
<Jakiri> (Windows)XP was fine on release
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19 Sep 2005, 23:57
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#32
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:alpha:
Join Date: May 2002
Location: London, UK
Posts: 7,871
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Re: Budgets suck ass
Using that site, it seems I get £1300 pcm (after tax). I haven't been paid yet, so any budget I make would be completely unrealistic.
__________________
"There is no I in team, but there are two in anal fisting"
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20 Sep 2005, 00:36
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#33
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WANNASEEMYNEWCHAINSAW
Join Date: May 2000
Location: Éire
Posts: 2,738
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Re: Budgets suck ass
Quote:
Originally Posted by acropolis
i used to try to do budgets, but it turns out ~30% of my expenses fall into the "random unpredictable shit that will never happen again" category, making the exercise rather pointless.
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Oh those random expenses, the baine of my life.
I was running well, being unemployed at the moment I have a tiny budget to work with each week. Kept my head above water. Then 3 family birthdays (major events, 50th, 21st and 18th), a wedding popped up.
I be in debt once more and I can't go out for another two weeks.
I shall go crazy!
Only noticed today I haven't bought clothes or splurge items such as fancy dinners or cinema trips in about 4 months now.
Christ, and I thought being a poor student was bad. Being an unemployed bastard is worse.
__________________
I came, I saw, I shouldn't mix pleasure with carpentry.
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20 Sep 2005, 04:22
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#34
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share the <3
Join Date: Aug 2001
Location: Location: Location:
Posts: 2,709
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Re: Budgets suck ass
The trouble with budgeting everything is it always goes to zero (theres never not something to spend on) and i get depressed. Id worry about my pension but quite frankly i know im going to be working till im 70 (probably more when i get closer to the age) and will never have a 'retirement' so **** it. I do have some savings but apart from that i do have to stay at home at times.
__________________
Sophie is hotter than you
though ive gone off her now; the way Susanna Reid squirms around on sml is, however, awesome
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20 Sep 2005, 11:17
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#35
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Clerk
Join Date: Jun 2001
Posts: 13,940
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Re: Budgets suck ass
My new budget starts today. I will withdraw £155 from the bank in fivers.
I will place each fiver in a different envelope (marked with a date). This will allow me to budget £5 per day effectively. It will also (when I lmisplace the whole lot) give me an excuse for my lack of funds.
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20 Sep 2005, 21:07
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#36
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share the <3
Join Date: Aug 2001
Location: Location: Location:
Posts: 2,709
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Re: Budgets suck ass
have you budgeted for the envelopes?
__________________
Sophie is hotter than you
though ive gone off her now; the way Susanna Reid squirms around on sml is, however, awesome
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20 Sep 2005, 21:42
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#37
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Clerk
Join Date: Jun 2001
Posts: 13,940
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Re: Budgets suck ass
Quote:
Originally Posted by Nusselt
have you budgeted for the envelopes?
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I work in an office. I don't pay for stationery.
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20 Sep 2005, 23:12
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#38
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________
Join Date: May 2002
Location: Somwhere I belong
Posts: 4,474
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Re: Budgets suck ass
Quote:
Originally Posted by Dante Hicks
I work in an office. I don't pay for stationery.
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I keep telling this to my mum but she thinks it's stealing.
Which is a morally wrong act since she's sanctimonious.
But I like your idea Dante. I might do the same thing now...
__________________
Quote:
Originally Posted by blink 182
Breathing deeply, walking backwards,
finding strength to call and ask her
Roller coaster favorite ride,
let me kiss you one last time.
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21 Sep 2005, 12:24
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#39
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:alpha:
Join Date: May 2002
Location: London, UK
Posts: 7,871
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Re: Budgets suck ass
Quote:
Originally Posted by Blastoderm
I keep telling this to my mum but she thinks it's stealing.
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Well there's a slight difference between bringing home 20 envelopes and bringing home 20 mobile phones, dude.
__________________
"There is no I in team, but there are two in anal fisting"
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