Home Budgeting

Discussion in 'Off-Topic' started by helechopper, Jan 19, 2020.

  1. BCClone

    BCClone Well-Known Member

    Sep 4, 2011
    25,510
    4,064
    113
    Male
    North Iowa
    Ratings:
    +19,822 / 562 / -1
    If you do spend more money on the wife, you will get more of the last usually. Decent plan I guess.
     
    • Funny Funny x 1
  2. Dopey

    Dopey Well-Known Member

    Nov 2, 2009
    1,929
    178
    63
    Ratings:
    +662 / 71 / -5
    When my wife was holed up in the house with our infant, our budget was awesome. Amazing what taking Target our of the equation can do.
     
    • Like Like x 2
    • Agree Agree x 1
    • Funny Funny x 1
    • Winner Winner x 1
  3. madguy30

    madguy30 Well-Known Member

    Nov 15, 2011
    20,150
    3,218
    113
    Ratings:
    +16,777 / 498 / -12
    And what's even more amazing is that people can survive without it.
     
  4. mynameisjonas

    mynameisjonas Active Member

    Jan 19, 2019
    698
    187
    43
    Male
    Ratings:
    +1,483 / 116 / -22
    All of these apps wouldn't be so necessary if we could control our wives to spend less money.
     
    • Funny Funny x 1
    • Useful Useful x 1
    • Optimistic Optimistic x 1
  5. Clonehomer

    Clonehomer Well-Known Member

    Apr 11, 2006
    11,537
    873
    113
    Ratings:
    +4,825 / 303 / -3
    We've found that the online shopping does help to avoid the extras. Don't have the impulse buys as you walk through the aisles.
     
  6. madguy30

    madguy30 Well-Known Member

    Nov 15, 2011
    20,150
    3,218
    113
    Ratings:
    +16,777 / 498 / -12
    Online shopping can be just as impulsive and dangerous imo.

    It's really easy to find all the cool stuff out there and push a few buttons to obtain them.

    Especially this time of year for outdoor gear and such on backcountry.com. I mean, a down 15 degree sleeping bag is hard to find for 40% off, but $150 is still $150, haha.

    (I only bought one two years ago and I've used it lots. :))
     
  7. NickTheGreat

    NickTheGreat Well-Known Member

    Jan 17, 2012
    8,699
    570
    113
    Central Iowa
    Ratings:
    +2,219 / 69 / -3
    I'm told that having kids get out of daycare doesn't gain a guy as much money as you'd think. But I just got our end of year daycare statement, and you could buy a very nice car or take a helluva European vacation and still have a lot left over. :confused:
     
    • Agree Agree x 1
  8. Doc

    Doc The Sensible Alternative
    SuperFanatic SuperFanatic T2

    Aug 6, 2006
    35,084
    4,716
    113
    Male
    Denver, CO
    Ratings:
    +20,677 / 942 / -15
    This is my method, but usually by about August I realize my bank account is overdrawn and I have to pay extra fees and tap the emergency fund. Still beats budgeting though.
     
  9. Dopey

    Dopey Well-Known Member

    Nov 2, 2009
    1,929
    178
    63
    Ratings:
    +662 / 71 / -5
    With or without target..... our lives remain the same.
     
  10. cowgirl836

    cowgirl836 Well-Known Member

    Sep 3, 2009
    38,038
    4,480
    113
    Ratings:
    +17,346 / 431 / -8

    We're still in that bucket for a while but man, when we are beyond daycare we are going to be LOADED.
     
    • Like Like x 1
    • Optimistic Optimistic x 1
  11. cowgirl836

    cowgirl836 Well-Known Member

    Sep 3, 2009
    38,038
    4,480
    113
    Ratings:
    +17,346 / 431 / -8
    I've used Mint for about 8 years at this point and really like it. I got to nitty gritty spreadsheet level for stuff like wedding expenses and building a home but outside of that, I feel Mint does a good job.


    My question is if you feel good where you are with stuff....what do you do next besides let it languish in a savings account? Like, what should you do after your own retirement and kid's 529. Did a CD but that's such little return. Guess we could just keep putting it into retirement but my work 401k has some ****** options.
     
  12. StevieISU23

    StevieISU23 Active Member

    Oct 31, 2007
    277
    47
    28
    Male
    Financial, like the rest of Des Moines
    Urbandale
    Ratings:
    +153 / 3 / -0
    Budgeter and "New" Budgeters:

    What items and categories were you amazed that you were over spending at?

    Too many HyVee Trips?, Too many salon trips, too may Starbucks trips, too much eating out? Too much for Cable/movie/streaming apps?, too much Car maintance?, Too many Target Runs? etc.

    What you got?......
     
  13. cyclone4L

    cyclone4L Well-Known Member

    Jun 30, 2013
    575
    864
    93
    I do stuff with software
    Ratings:
    +1,937 / 35 / -0
    I have to agree with this, especially since I share a bank account with my wife. As much as I have tried to the "no budgeting, live happy" approach, my wife has a tendency to blow through money. She spent thousands on my last birthday.

    I use Mint because it's the easiest to use and makes that spreadsheet for you. I can easily whip out the app and show her how much we can afford to spend on things and how much everything costs. My wife struggles with math and she would get lost looking at a spreadsheet. The graphs and pictures make it MUCH easier to understand.
     
    • Agree Agree x 1
  14. Bader

    Bader Well-Known Member

    Jul 25, 2007
    5,720
    469
    83
    Ankeny
    Ratings:
    +1,427 / 27 / -1
    Our budgeting at this point is very squishy money in/money out/trend tracking, but neither of us have the bolded problem. I have a hard time imagining my reaction if my wife got me a couple grand worth of gifts for my birthday.
     
    • Agree Agree x 3
  15. helechopper

    helechopper Well-Known Member

    Apr 8, 2006
    2,954
    438
    83
    ACD
    Chicago
    Ratings:
    +1,653 / 82 / -3
    So, I tried Mint out of all the options listed in this thread. It was intuitive and easy to use, until I discovered a fatal flaw...It wasn't able to pick up all of the transactions from my banking account, mainly my mortgage (kinda of a huge deal) and daughters tuition.

    There may be other things it missed too, but that's the point, I don't want to spend time going line item by line item to see what was missed by Mint. So I canceled it.

    I'm now thinking of using 'You Need A Budget'. Does anyone here have any opinion on using it?
     
  16. simply1

    simply1 Well-Known Member

    Jun 10, 2009
    14,121
    1,750
    113
    Pdx
    Ratings:
    +6,944 / 218 / -4
    Don't forget about using an IRA, Roth or traditional, if you've maxed out company contribution to your 401k.
     
    • Like Like x 1
    • Winner Winner x 1
  17. twojman

    twojman Well-Known Member

    Jun 1, 2006
    5,799
    332
    83
    Male
    Being awesome
    Clive
    Ratings:
    +1,120 / 80 / -2
    There are non-traditional investments you can get into like properties. If you don't want to own or mess with the properties you can be a hard money lender. You'd have to work with people you can trust but you can make a pretty good return on that. Trust me, there are people out there looking for hard money loans too.
     
  18. mdk2isu

    mdk2isu Well-Known Member

    Jan 30, 2013
    4,270
    832
    113
    Male
    Not of this World
    Ratings:
    +3,456 / 132 / -3
    A place like Lending Club is a place people can look at for this type of alternative investments.
     
  19. Cyientist

    Cyientist Well-Known Member

    Aug 18, 2013
    1,665
    388
    83
    Ankeny
    Ratings:
    +1,147 / 28 / -0
    Mine is definitely HyVee. Although, I'm starting to realize that cooking is my #1 hobby. I'm starting to look at the grocery bills a bit differently since I've realized that.
     
  20. SpokaneCY

    SpokaneCY Well-Known Member

    Apr 11, 2006
    11,798
    1,496
    113
    Male
    Manager of Natural Gas
    Spokane, WA
    Ratings:
    +7,285 / 400 / -19
    Ditto... All bills paid, no outstanding debts, retirement accounts fully funded, taxable savings being put away - so for me it's just an interesting thing about where our money is spent.

    That said we DO track (not budget) all our expenses (credit cards too) on Bank of America website. For the fellow fatties on here, it's humbling to see how many times the pizza guys came to my house over a year...
     

Share This Page