zaurg tales

Been a SPENDY month so far. August is always tough.

Time to completely fall off the wagon? Or right the ship back towards… wherever I’m headed.

…from my budgeted expenses, if I expect to break even or profit at the end of the season?

I’m running low in “FUN” this month and am a little stressed out and unfocused and need more FUN to make things better.

So what? Had fun.
It’s in the budget, bitches.

“zaurg,

Starting 08/06/2019, your Online Savings Account will earn 1.90% Annual Percentage Yield (APY) on all balance tiers.

Your APY is more than 20x the national average — so you can rest assured that your money is working hard in your savings. “

When I signed up for Ally less than 2 months ago it was 2.20%, then went to 2.10%, now 1.90%. I’M RESTING ASSURED THOUGH. Might be time to change.

I put $9000 into Vanguard last month and it’s already down to $8923. FUCK! How low will it go?

What are ya’ll doing? Sitting tight?

Meanwhile my savings sitting in Ally is earning a steady 2.1%

MEANWHILE Bitcoin is skyrocketing back up to 12k.

I have no idea what I’m doing! I’m just going to listen to the real experts – BFC.

When was the last time you checked your credit report? If it’s been more than a year, do so for free today at https://www.annualcreditreport.com for a nice wake up call. Forgot about that Macy’s credit card like me? Filing a dispute because Experian still has your ex-wife listed as a spouse? Found out you’ve been a victim of identity theft? Awwwwwwww yeah. It makes for a fun Friday night. Enjoy!

Odds say it’s a habit and you won’t be able to get out of this hole. You like spending money like me. New TV. New Cell Phone. New Clothes. These items make us happy. Happiness is more important than financial security… right? Amazon is calling for a new one-click purchase right now in fact. Every day is Prime Day. Sure, there are ways to change but do you really want to? I’d bet nothing changes. Habits never disappear. They’re always there, ready to pounce. Hey, it’s OK, the majority of people are in your abysmal situation.

That is all. Probably time for ya’ll to sell.

July is a wrap. August has started off scorching hot. It is really grinding my gears that I immediately start off the month $28.49 balls deep into my Fun budget, because of Internet boost, Amazon Prime, and Google Music subscriptions. I feel like my Fun budget is getting cheated. Can I make a new category called “Subscriptions” and throw those in there while retaining a $300 budget for “Fun”? I will leave it as-is for now.

When I started this thread in 2017, 28.7% of my gross income went towards my mortgage. The lenders and financial experts would have me believe that was ok, given the 28/36 rule. A maximum of 28% of gross income towards mortgage they say. Here’s the thing. Reaching the max on that rule means you have barely anything left, if you like spending cash like I do. Sure if you spend 28% on the house and have a tight budget and budget properly then you’ll be alright. But if you spend 28% and don’t budget you’re guaranteed paycheck to paycheck living. Enjoy that shit if that’s your plan. Live it up.

I decided that didn’t work for me and downsized. Now, 17.8% of my gross income goes towards mortgage+HOA. Now I have plenty leftover for fun shit.