the penny pinching crew

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Feb 18, 2008 | 09:31 AM

#21

sinthetiq

Joined: Mar 2002

Posts: 10,995

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create a list of your expenses and what you make to get an idea of how much you save/spend..

Feb 18, 2008 | 09:32 AM

#22

shirley

CBOTY 2010

Joined: Nov 2004

Posts: 34,786

Likes: 0

From: MI

Quote:

Originally Posted by RicoD

The savings of living with the parents far out weighs the perks of living alone at the moment

except you are in the process of not living with them

Feb 18, 2008 | 09:39 AM

#23

RicoD

Pull my finger

Joined: Apr 2004

Posts: 41,423

Likes: 0

From: Arizona

Quote:

Originally Posted by rebeld

except you are in the process of not living with them

Yea... that's true

New opportunity is coming up... PM you in a bit

Feb 18, 2008 | 09:52 AM

#24

skabone69

Thread Starter

Senior Member

Joined: Jun 2002

Posts: 8,320

Likes: 0

From: Mesa, AZ

Quote:

Originally Posted by DarkStarr

The only thing I can think of is how are your driving habits? Don't gun it and don't be a late braker to save some money on gas/brake pads + rotors.

I've been pretty good with my driving habbits lately so I think I'm doing well with that.

Quote:

Originally Posted by KirkLS

Sounds like you're doing a pretty good job man. Maybe get coupons and try to save on things you buy on a normal basis.

I use the grocery store loyalty card all the time, and I try to use coupons when I can.

Quote:

Originally Posted by Nightshade

Not sure how to explain the way I do it because I have been doing it so long I don't even realize it. Main thing I cut out years ago was going out to clubs and bars on a regular basis (barely go at all now though) which saved me a ton of money.

Aside from that I limit my driving (gas is fucking expensive) which has saved me more than anything over the last 3 years.

I rarely go out to the clubs anymore due to your exact reasons, its so expensive.

Quote:

Originally Posted by sinthetiq

create a list of your expenses and what you make to get an idea of how much you save/spend..

I've already got a spreadsheet of what all my estimated expenses are. I've got everything planned out for a year roughly of what I need to do to pay my parents back, and what I need to do to pay off my credit cards. I've left myself $100/month for entertainment purposes, and gave myself $160/month for food. Those are both variables along with the price of gas, but I inflated what I'll need to account for a possible fuel price spike. So I could technicall pay things off quicker, but it all depends on what happens.
If my car acts up or something in my condo needs to be fixed it will throw a wrench into the plans.
Its proably going to be a somewhat boring uneventfull next few months, so I'm going to devot a lot of time to working out and rollerblading since that is pretty cheap to do. I'm sure my friends are going to think I'm a blast, but I don't care, I need to take care of this if it means I can have way more freedom in the near future.

Feb 18, 2008 | 10:14 AM

#25

DarkStarr

Shake n Bake!

Joined: Feb 2006

Posts: 11,794

Likes: 1

From: Pittsburgh, PA

Quote:

Originally Posted by Lueb

slowly getting 0out of 2 8k maxed cc's and one with 13 on it.

haha, we're in the same boat..

Feb 18, 2008 | 11:27 AM

#26

skabone69

Thread Starter

Senior Member

Joined: Jun 2002

Posts: 8,320

Likes: 0

From: Mesa, AZ

Quote:

Originally Posted by DarkStarr

haha, we're in the same boat..

how do you get into that situation and let yourself get that deep? I freak out when my card goes past $1000 and I can't pay it off right away.

Feb 18, 2008 | 11:31 AM

#27

RicoD

Pull my finger

Joined: Apr 2004

Posts: 41,423

Likes: 0

From: Arizona

I have 2.1K left on a credit card... paying that off next month

Feb 18, 2008 | 01:52 PM

#28

skabone69

Thread Starter

Senior Member

Joined: Jun 2002

Posts: 8,320

Likes: 0

From: Mesa, AZ

Quote:

Originally Posted by RicoD

I have 2.1K left on a credit card... paying that off next month

damm, you must be a big time ballah if you can pay that balance off in a month.

Feb 18, 2008 | 01:53 PM

#29

RicoD

Pull my finger

Joined: Apr 2004

Posts: 41,423

Likes: 0

From: Arizona

Quote:

Originally Posted by skabone69

damm, you must be a big time ballah if you can pay that balance off in a month.

No I'm not

I just don't have a lot of bills like some of you guys do... I live with my parents remember

Feb 18, 2008 | 01:56 PM

#30

Draconius

BAZINGA!

Joined: Aug 2004

Posts: 21,613

Likes: 0

From: San Diego, CA

I have:

$8k Student Loan with 5.35% interest
$6400 Student Loan with 10% interest
$2100 CC debt with 8.99% interest
$24k Car loan with 6.49% interest
$11k Motorcycle loan with 11% interest
$277 CC with no interest

And my credit is STELLAR!

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