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Author Topic: budgeting and my fear of my bank account  (Read 6826 times)

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Offline next2u

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  • Posts: 1,762
budgeting and my fear of my bank account
« on: June 02, 2011, 09:47:43 AM »
does anyone have any good budgeting strategies?

does anyone else loathe checking their bank account?

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline leatherman

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Re: budgeting and my fear of my bank account
« Reply #1 on: June 02, 2011, 10:07:05 AM »
plan your meals so that you can buy some items in bulk to save money
use coupons and look for special double-coupon days
leatherman (aka mIkIE)


chart from 1992-2013; updated 2/09/13  Reyataz/Norvir/Truvada

Offline Buckmark

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Re: budgeting and my fear of my bank account
« Reply #2 on: June 02, 2011, 10:36:53 AM »
does anyone have any good budgeting strategies?

does anyone else loathe checking their bank account?

best,
d

Well, I am no Suze Orman, but I think the first thing to do to get control of your budget is to see where your money is actually going.  That means tracking all your expenses (and I do mean *all*) for a period of time.  A month is ideal, but you can extrapolate a month's work of expenses even from just a week's worth of data.  You'll be surprised what you spend your money on.  While it is easy to calculate the obvious monthly expenses like rent / mortgage, utilities, cable, mobile phone, the other expenses like dining out, groceries, drinks, clothing, entertainment, transportation can be more elusive.  That's why writing down *every* expense and purchase for a week or two can be so enlightening.

After that, it's a matter of making choices so that you spend only what you take in each month.  Once you see where your money is going, you've put yourself in a position to make those choices.

Regards,

Henry
"Life in Lubbock, Texas, taught me two things:
     One is that God loves you and you're going to burn in hell.
     The other is that sex is the most awful, filthy thing on earth and you should save it for someone you love."
- Butch Hancock, Musician, The Flatlanders

Offline mecch

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  • red pill? or blue pill?
Re: budgeting and my fear of my bank account
« Reply #3 on: June 02, 2011, 10:41:08 AM »
Well, I am no Suze Orman, but I think the first thing to do to get control of your budget is to see where your money is actually going.  That means tracking all your expenses (and I do mean *all*) for a period of time.

Always a good thing to do if one is anxious about money. 

Yes to the OP, its nerve wracking.  But I do try to remember its a matter of the glass being half full or half empty and count my blessings that there is some water in there.
ďFrom each, according to his ability; to each, according to his needĒ 1875 K Marx

Offline next2u

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  • Posts: 1,762
Re: budgeting and my fear of my bank account
« Reply #4 on: June 02, 2011, 10:47:55 AM »
too many whores on my budget checklist already....lol...with me being the biggest one.

i will do that. i have some software on my computer , i think it's called quicken that i can use too.

excel or a beginning would be great place to start since that software is gathering dust.

i need to budget, clip coupons and shop better. im also a stress shopper. i but pointless cheap shit when im moody and too much coffee and other crap. better diet, better planning, make a budget.

best,
d ~~~ who loves that big ol dyke suze !
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline Theyer

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  • Current ambition. Walk the Dog .
Re: budgeting and my fear of my bank account
« Reply #5 on: June 02, 2011, 05:37:47 PM »
Down periods off depression work for me , penny pinching here and there does not .Giving up weed helped a lot and not renewing my pass port has been I like to think one off my better long term financial decisions. Oh and refusing to give in to blackmailers what ever the evidence.
mhtv
"If we can find the money to kill people, we can find the money to help people ."  Tony Benn

Offline phildinftlaudy

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  • sweet Ann what you think babe...
Re: budgeting and my fear of my bank account
« Reply #6 on: June 02, 2011, 05:51:32 PM »
I have an Excel spreadsheet that shows all of my income projeced to come in over the next three months, then in columns on the side I have all of my bills listed and the pay period when they are getting paid - I can then see how much I am over/under in regards to budget and plan accordingly.  The set up looks like this:

Income               Expenses          6/10           6/24       7/8           7/22
6/10 500.00         Cable               80.00         0           $80            0
6/24 500.00         Cell Phone        0               60.00     $0              60.00
7/8   500.00         Rent                0              700.00    0                700.00

Total   $1,500                            80.00         760.00    80.00          760.00

The above is just an example ---- of course, there are a lot more bills and the amounts differ, etc.  But this is the general layout I use....
September 13, 2008 - diagnosed +
Labs:
Date    CD4    %   VL     Date  CD4  %   VL
10/08  636    35  510   9/09 473  38 2900  12/4/09 Atripla
12/09  540    30    60   
12/10  740    41  <48   
8/11    667    36  <20  
03/12  1,041  42  <20
05/12  1,241  47  <20
08/12   780    37  <20
11/12   549    35  <20
02/12  1,102  42  <20
11/12   549    35  <20

Offline hope_for_a_cure

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  • Posts: 1,502
Re: budgeting and my fear of my bank account
« Reply #7 on: June 02, 2011, 06:10:23 PM »
I have to stay on top of it as unpleasant as it may be.  

If your goal is to actually accumulate savings you have to be very aggressive and follow a tight budget.  Nope, its not fun.  If your goal is to set a general budget and cut out excess spending, then its a bit easier to follow.

Always follow sales, use coupons, dont splurge but do give yourself a reward from time to time.  Being frugal is less painful when you actually start to see the benefits (increased savings or making the paycheck last longer).

An austerity program must have some flexibility or it will never work.
« Last Edit: June 02, 2011, 09:03:04 PM by hope_for_a_cure »

Offline mecch

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  • Posts: 11,507
  • red pill? or blue pill?
Re: budgeting and my fear of my bank account
« Reply #8 on: June 02, 2011, 06:47:27 PM »
i will do that. i have some software on my computer , i think it's called quicken that i can use too.

Everytime I've done this accounting for a month or two Ive found it more convenient to just jot it all in a little paper notebook I could carry in my pocket.  I still don't have a touch screen phone and I can't stand typing even the shortest text message.

Funny you mention this because I'm going to do it this month!

And I'm returning the swiss strawberries to the supermarket tomorrow, not sweet! 4 bucks to save right there. 

ďFrom each, according to his ability; to each, according to his needĒ 1875 K Marx

Offline Miss Philicia

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  • celebrity poster, faker & poser
Re: budgeting and my fear of my bank account
« Reply #9 on: June 02, 2011, 06:57:06 PM »
One can return strawberries to the market? That's like returning underwear when you've opened the packaging.
"Iíve slept with enough men to know that Iím not gay"

Offline mecch

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  • Posts: 11,507
  • red pill? or blue pill?
Re: budgeting and my fear of my bank account
« Reply #10 on: June 02, 2011, 07:08:31 PM »
I have always returned shitty food to supermarkets in every country.  Supermarkets don't care.  A dollar here, a franc there.   Strawberries cost too much here, at least they should be good since this is the proper season.

I return off wine and off champagne too. Never had a problem.

I've never done it at greengrocers or farmers markets but then you usually don't have to.

I think I'm going to return a spring mattress I bought a year ago, next week.  Its got a guarantee and its not wearing as promised.  Why not return it?  Too many products are shoddy these days.  Nobody's got money to burn.
ďFrom each, according to his ability; to each, according to his needĒ 1875 K Marx

Offline next2u

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  • Posts: 1,762
Re: budgeting and my fear of my bank account
« Reply #11 on: June 02, 2011, 07:52:00 PM »
i like the excel sheet. i guess i should start there and work my way up.

the coupon thing doesnt sit right with me. i never buy half the stuff on the coupon list because they are all name brand and im more generic at the market. i like store brands, what can i say.

one bit of advice a friend gave me was using the shoppers (those pamphlet things) that come in the mail or are at the front of the grocery store. buying whats listed as a sale item and basing my shopping off that. i guess i could do that once a week or two, drive by, pick one up, and build my food agenda around 2 stores' specials.

and stop eating out every day :)

excel sheet - check.
coupons - no check

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline Miss Philicia

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  • celebrity poster, faker & poser
Re: budgeting and my fear of my bank account
« Reply #12 on: June 02, 2011, 07:58:51 PM »

and stop eating out every day :)

well, there you go

Also, this ;)
« Last Edit: June 02, 2011, 08:03:11 PM by Miss Philicia »
"Iíve slept with enough men to know that Iím not gay"

Offline Matty the Damned

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  • Ninja Please
Re: budgeting and my fear of my bank account
« Reply #13 on: June 02, 2011, 08:03:56 PM »

and stop eating out every day :)


Yup. Can you cook, son?

MtD

Offline Miss Philicia

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  • celebrity poster, faker & poser
Re: budgeting and my fear of my bank account
« Reply #14 on: June 02, 2011, 08:04:31 PM »
Yup. Can you cook, son?

MtD

Cap'N Crunch tastes great when you're high.
"Iíve slept with enough men to know that Iím not gay"

Offline next2u

  • Member
  • Posts: 1,762
Re: budgeting and my fear of my bank account
« Reply #15 on: June 02, 2011, 08:11:50 PM »
i hate doing dishes and equate every hour of dishwashing to lost pay. i do this when i cook as well. today i will make brown rice, red potatoes and chicken. they have fancy names but that will suffice. i do not cook but i can.

i hate cleaning up after cooking and trying to use all the produce. most of the perishables go bad so i have to be better about buying groceries and making time to cook and clean.

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline next2u

  • Member
  • Posts: 1,762
Re: budgeting and my fear of my bank account
« Reply #16 on: June 02, 2011, 08:13:20 PM »
my gym dude has me on a diet. capn crunch -- the berries edition, is the bomb.

unfortunately its not on the list and i only get guilty pleasures off of healthy cereals (cereals arent even on the list but i still have my multigrain cheerios) and greek yogurt now!

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline WillyWump

  • Member
  • Posts: 7,166
  • your ramblings bore Yamaguchi Kitteh
Re: budgeting and my fear of my bank account
« Reply #17 on: June 02, 2011, 08:15:20 PM »
I have sever account-a-phobia. I always get anxious when I pull up my bank account because the balance is always less than what I think it should be. Which always means I have spent alot of money on crap. Checking it on Monday morning is the WORST

-Will
POZ since '08

Last Labs-
6/3/14 CD4- 736, UD 34%
6/25/13 CD4- 1036, UD,
2/4/13, CD4 - 489, UD, 28%

Current Meds: Prezista/Epzicom/ Norvir
.

Offline mecch

  • Member
  • Posts: 11,507
  • red pill? or blue pill?
Re: budgeting and my fear of my bank account
« Reply #18 on: June 02, 2011, 08:18:50 PM »
today i will make brown rice, red potatoes and chicken.

Funny I made kasha, sweet potatoes and chicken today. Its cold out suddenly so good to roast.

Just out of curiosity - any comment - Why this post, about your fear of personal finance, in relation to the other post - where you are getting your MBA.  ??   U one of those people who can do it for others but not for himself?  That's pretty human!  Like the gourmet chef who eat cheerios at home!
ďFrom each, according to his ability; to each, according to his needĒ 1875 K Marx

Offline Miss Philicia

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  • Posts: 24,019
  • celebrity poster, faker & poser
Re: budgeting and my fear of my bank account
« Reply #19 on: June 02, 2011, 08:19:01 PM »
Which always means I have spent alot of money on crap.

You only have three boxes of possessions -- what are you spending all of the money on? Perishable items named Carlos and crack?

"Iíve slept with enough men to know that Iím not gay"

Offline next2u

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  • Posts: 1,762
Re: budgeting and my fear of my bank account
« Reply #20 on: June 02, 2011, 08:21:50 PM »
You only have three boxes of possessions -- what are you spending all of the money on? Perishable items named Carlos and crack?



been there done that... lol. btw, tell carlos to call me when you are done with him W.

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline next2u

  • Member
  • Posts: 1,762
Re: budgeting and my fear of my bank account
« Reply #21 on: June 02, 2011, 08:25:57 PM »
Funny I made kasha, sweet potatoes and chicken today. Its cold out suddenly so good to roast.

Just out of curiosity - any comment - Why this post, about your fear of personal finance, in relation to the other post - where you are getting your MBA.  ??   U one of those people who can do it for others but not for himself?  That's pretty human!  Like the gourmet chef who eat cheerios at home!

i can barely do it for myself. the reason for both posts -- they are on my todo list. i have this week off from work and the only thing ive accomplished is an acute case of the munchies and 2 days of being hungover. and some shit i wont post cause miss p and a few others will have a fucking field day with it.

i also made a trip to the realtors and will start getting my financial shit in order.

so, finance and school were on the agenda. i have one more paper to file for school and 2 calls to make to the bank and my shit is squared away.

in all honesty, im kinda lost (in life) and just decided to move forward with a bunch of shit. i don't know if they are the best decisions but given where my minds been at the past few days it can't be the worst. thanks for the concern buddy.

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
oct10 cd4 423; vl 410 ;); cd4% 30.2
jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
mar12 cd4 695; vl ud; cd4% 38.6
jan13 cd4 738; vl ud; cd4% 36.8
aug13 cd4 930; vl ud; cd4% 44.3
jan14 cd4 813; vl ud; cd4% 42.8
may14 cd4 783; vl *; cd4%43.5

Offline WillyWump

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  • Posts: 7,166
  • your ramblings bore Yamaguchi Kitteh
Re: budgeting and my fear of my bank account
« Reply #22 on: June 02, 2011, 08:28:19 PM »
You only have three boxes of possessions -- what are you spending all of the money on? Perishable items named Carlos and crack?



No, I gave up on Carlos and Crack is wack. So jsut stupid stuff like "Broke Straight Boy" subscriptions, RedBulls, Big Macs, and clothes I will never wear.

Also could you please update your files to 5 boxes of possessions + furniture. Thanks.

-Will
POZ since '08

Last Labs-
6/3/14 CD4- 736, UD 34%
6/25/13 CD4- 1036, UD,
2/4/13, CD4 - 489, UD, 28%

Current Meds: Prezista/Epzicom/ Norvir
.

Offline mecch

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  • Posts: 11,507
  • red pill? or blue pill?
Re: budgeting and my fear of my bank account
« Reply #23 on: June 02, 2011, 08:36:18 PM »
So I am a bit confused.  You are transferring credits already earned to a new school, and finishing via distance?
If you are renting, whats a realtor got to do with anything?
ďFrom each, according to his ability; to each, according to his needĒ 1875 K Marx

Offline Miss Philicia

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Re: budgeting and my fear of my bank account
« Reply #24 on: June 02, 2011, 08:46:13 PM »
Maybe you could use a second job. I don't discuss it on this forum, but to make ends meet I dress up like this and sell pictures on the internet. You'd be surprised how lucrative it can be.

"Iíve slept with enough men to know that Iím not gay"

Offline hope_for_a_cure

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Re: budgeting and my fear of my bank account
« Reply #25 on: June 02, 2011, 09:05:03 PM »
Rent that spare room out! 

Offline Matty the Damned

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Re: budgeting and my fear of my bank account
« Reply #26 on: June 02, 2011, 09:41:06 PM »
i hate doing dishes and equate every hour of dishwashing to lost pay. i do this when i cook as well. today i will make brown rice, red potatoes and chicken. they have fancy names but that will suffice. i do not cook but i can.

i hate cleaning up after cooking and trying to use all the produce. most of the perishables go bad so i have to be better about buying groceries and making time to cook and clean.

best,
d

I feel ya. The trick is to clean as you go. Have the sink filled with hot water and detergent and wash as you finish at each step. Chopped vegies? Once you've got the cunts in the pan or whatever, then wash your board, knife and sundry other things.

Rinse and repeat at each stage.

That way you don't end up with a whole pile of dishes, pots and pans at the end when you've got a belly full of good tucker and can't be fucked doing anything.

MtD

Offline Grinch

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Re: budgeting and my fear of my bank account
« Reply #27 on: June 02, 2011, 09:46:31 PM »
Mint.com  You'll be surprised where you're pissing away money without realizing it.

Offline phildinftlaudy

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Re: budgeting and my fear of my bank account
« Reply #28 on: June 02, 2011, 09:52:43 PM »
I feel ya. The trick is to clean as you go. Have the sink filled with hot water and detergent and wash as you finish at each step. Chopped vegies? Once you've got the cunts in the pan or whatever, then wash your board, knife and sundry other things.

That's the same way I do it -
BTW, tonight's dinner was Bottom Roast which I prepared last night and cooked in the slow cooker (for 10 hours) while I was at work (came out so tender) - served with garlic mashed potatoes w/ beef gravy and honey-glazed carrots.

In sticking with the budget theme, I always try to budget my groceries, but still allow for at least steak, a good roast, or other "higher" priced food item at least once every week or two.  The roast was about $14; potatoes another $3; carrots $ 2--- so, total price for the meal came about to around $19.  That's why it is sometimes easier to eat out (less expensive) - but I will have leftovers for lunch (even though I'm not a big leftover lover)
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Labs:
Date    CD4    %   VL     Date  CD4  %   VL
10/08  636    35  510   9/09 473  38 2900  12/4/09 Atripla
12/09  540    30    60   
12/10  740    41  <48   
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Offline Miss Philicia

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Re: budgeting and my fear of my bank account
« Reply #29 on: June 02, 2011, 09:52:55 PM »
Save money and use a ledger/accounting notebook instead of fancy software :)
"Iíve slept with enough men to know that Iím not gay"

Offline Jeff G

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Re: budgeting and my fear of my bank account
« Reply #30 on: June 02, 2011, 10:06:01 PM »
I feel ya. The trick is to clean as you go. Have the sink filled with hot water and detergent and wash as you finish at each step. Chopped vegies? Once you've got the cunts in the pan or whatever, then wash your board, knife and sundry other things.

Rinse and repeat at each stage.

That way you don't end up with a whole pile of dishes, pots and pans at the end when you've got a belly full of good tucker and can't be fucked doing anything.

MtD

Good advice and the reason I never let my best bud cook at my house , he wrecks the kitchen and will stand there watching water boil when he could be cleaning along the way . This is one of my pet peeves if you couldn't tell .

Offline klassykitty

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Re: budgeting and my fear of my bank account
« Reply #31 on: June 02, 2011, 10:43:46 PM »
Take it from someone who worked in retail for 20 years.  WATCH OUT FOR SALES, sometimes they are not the best.  3/$1.00 is the same as 33 cents each.  Department stores are worse at this then grocery stores.

Shop at those grocery stores that have scratch and dent stuff.  Watch out for the dents in the canned stuff, make sure they aren't to bad.  Check the expiration dates also.  Sometimes it's just that the season is done, halloween candy at thanksgiving.

Most grocery stores have a section in the meat part that has meat close to expiring for sale cheap.  Just freeze it or use it right away.  I used to buy pot roast that way, it was buy one get one.

Generic food is usually just as good as the name brand.  Although generic pop tarts taste like cardboard.




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If you can't eat it or play with it.....
then pee on it and walk away

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Offline Matty the Damned

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Re: budgeting and my fear of my bank account
« Reply #32 on: June 02, 2011, 11:18:22 PM »
Now in most Australian supermarkets they use per unit pricing. So a block of cheese might be $x per kg but they also give the price per 100 gms which helps you compare which is the better deal.

Dunno if they do this in the States. It's a useful thing when shopping on a budget.

MtD

Offline Miss Philicia

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Re: budgeting and my fear of my bank account
« Reply #33 on: June 02, 2011, 11:25:12 PM »

Dunno if they do this in the States.

Yes, that's done here and has been for a couple of decades.

Naturally I only shop at specialty organic shops so this is irrelevant.
"Iíve slept with enough men to know that Iím not gay"

Offline Matty the Damned

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Re: budgeting and my fear of my bank account
« Reply #34 on: June 02, 2011, 11:28:12 PM »
Yes, that's done here and has been for a couple of decades.

Naturally I only shop at specialty organic shops so this is irrelevant.

Organic? Really?

Heh. :)

MtD

Offline Solo_LTSurvivor

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Re: budgeting and my fear of my bank account
« Reply #35 on: June 02, 2011, 11:40:47 PM »
Maybe you could use a second job. I don't discuss it on this forum, but to make ends meet I dress up like this and sell pictures on the internet. You'd be surprised how lucrative it can be.



That's hot.

Save money and use a ledger/accounting notebook instead of fancy software :)

Then he'd have to actually learn accounting/bookkeeping which seems not one of his priorities, if he's currently having budgeting issues.  Maybe quick fixes are a part of the MBA core curriculum  :o
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Offline StacheBC

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Re: budgeting and my fear of my bank account
« Reply #36 on: June 04, 2011, 02:54:10 AM »
does anyone have any good budgeting strategies?


I say stop doing it for free. Charge for it.

Offline Buckmark

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Re: budgeting and my fear of my bank account
« Reply #37 on: June 04, 2011, 12:27:05 PM »
...
BTW, tonight's dinner was Bottom Roast which I prepared last night and cooked in the slow cooker (for 10 hours) while I was at work (came out so tender) - served with garlic mashed potatoes w/ beef gravy and honey-glazed carrots.
...

I can't believe no one commented on Laudy's "bottom roast".  Personally, I love bottoms that are tender and juicy.

"Life in Lubbock, Texas, taught me two things:
     One is that God loves you and you're going to burn in hell.
     The other is that sex is the most awful, filthy thing on earth and you should save it for someone you love."
- Butch Hancock, Musician, The Flatlanders

Offline phildinftlaudy

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Re: budgeting and my fear of my bank account
« Reply #38 on: June 04, 2011, 12:44:16 PM »
I can't believe no one commented on Laudy's "bottom roast".  Personally, I love bottoms that are tender and juicy.


My BOTTOM roast was very tender, warm, and juicy  ::)
September 13, 2008 - diagnosed +
Labs:
Date    CD4    %   VL     Date  CD4  %   VL
10/08  636    35  510   9/09 473  38 2900  12/4/09 Atripla
12/09  540    30    60   
12/10  740    41  <48   
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Offline Miss Philicia

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Re: budgeting and my fear of my bank account
« Reply #39 on: June 04, 2011, 12:54:17 PM »
I spent the same amount of money as Phil-DEE but got 3 large locally raised, organic lamb sausages, a tub of squid ink fresh linguine, and garlic/pecan pesto -- enough to last me 3 meals in moderate sized portions. Cooking time was 10 minutes for entire meal.

Also, no coupons! :)
« Last Edit: June 04, 2011, 12:56:15 PM by Miss Philicia »
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Offline Buckmark

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Re: budgeting and my fear of my bank account
« Reply #40 on: June 04, 2011, 01:07:31 PM »
I spent the same amount of money as Phil-DEE but got 3 large locally raised, organic lamb sausages, a tub of squid ink fresh linguine, and garlic/pecan pesto -- enough to last me 3 meals in moderate sized portions. Cooking time was 10 minutes for entire meal.

Also, no coupons! :)

I suppose I should make some innuendo about your sausages, since I did so with Phil-DEE's bottom roast.  However, I shall refrain.

It almost seems a shame to take lamb and use it for sausage, but some parts of even a young animal are just too tough. 

I wonder what happened to the squid that gave up its ink for your pasta?  I like to marinate and grill it -- hot flame, very quickly.

And so we have yet another thread that turns into food. 

In the interest of turning this back to budgeting, I use coupons mostly for things like paper and plastic goods, condiments, cleaners and detergents, etc.
"Life in Lubbock, Texas, taught me two things:
     One is that God loves you and you're going to burn in hell.
     The other is that sex is the most awful, filthy thing on earth and you should save it for someone you love."
- Butch Hancock, Musician, The Flatlanders

Offline Jeff G

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Re: budgeting and my fear of my bank account
« Reply #41 on: June 04, 2011, 01:11:23 PM »
I spent the first half of my life obsessing over sex ... the second half is quickly becoming about good food ... after sex .   

Offline mecch

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Re: budgeting and my fear of my bank account
« Reply #42 on: June 04, 2011, 05:02:36 PM »
Nobody is buying the artichokes it seems except me, at 1 buck each  I got two huge ones last week and again this week.  It just takes awhile to prepare but fun to snack on while watching video.  These are huge, local and the heart is the size of a small hamburger.

( Rachel Maddow make a cocktail on her show last year - gin and tonic with a shot of artichoke liqueur floated on the top. )

There are many veges nobody really wants anymore and they are cheap. I go through a beet phase once or twice a year. Turnips, parsnips, many squashes.  Cauliflower.  Leeks.  Brussell sprouts and cabbage. these get me through the winter - the old farmers are still growing them, thank god.

Dandelion greens. And now Artichokes.  The Rhubarb didn't fall much in price when it was finally local season. 




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Offline hope_for_a_cure

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Re: budgeting and my fear of my bank account
« Reply #43 on: June 04, 2011, 05:21:07 PM »
I thought of this thread when I logged onto my bank site today.  That little 'should I look?' feeling was there as the screen presented itself with my sad sad account balance. 

Note to self:  Stay home for the next month and eat from the garden. 

Offline WillyWump

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Re: budgeting and my fear of my bank account
« Reply #44 on: June 04, 2011, 06:12:56 PM »

This deserves a hearty LOL:

I wonder what happened to the squid that gave up its ink for your pasta? 


I have a helpful hint that has saved me hundreds of dollars...  I have been using the same disposal blade on my Schick Titanium for over 6-7 months. How you ask? I dry off the blade completely after each use and put it away in a drawer. If you do this everytime your blade will not wear out as it's the water that ruins a blade. Dont just leave your blade in the shower, dry it and put it away. THis will work on any disposable razor, whether it be the cheap Bics or the expensive stuff. I have saved hudnreds of $$$ this way because it was costing me $20 each time I bought replacement blades and they only lasted about 3 weeks.

Now i just whistle as I pass the blades in the store.

Try it.!
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Offline Buckmark

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Re: budgeting and my fear of my bank account
« Reply #45 on: June 04, 2011, 07:35:24 PM »
I spent the first half of my life obsessing over sex ... the second half is quickly becoming about good food ... after sex .   

You must work up quite an appetite.  ;)
"Life in Lubbock, Texas, taught me two things:
     One is that God loves you and you're going to burn in hell.
     The other is that sex is the most awful, filthy thing on earth and you should save it for someone you love."
- Butch Hancock, Musician, The Flatlanders

Offline denb45

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Re: budgeting and my fear of my bank account
« Reply #46 on: June 04, 2011, 08:33:35 PM »
"D"  just make up a monthly buget and stick to that, don't divate from it, unless you have too, that's what I do every month, if I cannot buy something I want, I can always buy what I need, and try and save whatever is left over, I've had 12 yrs. to perfect this, and I can tell you it really works too , not to mention I'm a cheap mo fo  ;D
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Offline metekrop

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Re: budgeting and my fear of my bank account
« Reply #47 on: June 07, 2011, 07:46:40 AM »
I think this forum need a separate section for discussion on accounting and auditing.  :-*
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Offline next2u

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Re: budgeting and my fear of my bank account
« Reply #48 on: June 08, 2011, 01:55:45 AM »
I spent the first half of my life obsessing over sex ... the second half is quickly becoming about good food ... after sex .   

thumbs up!
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Offline next2u

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Re: budgeting and my fear of my bank account
« Reply #49 on: June 08, 2011, 01:57:04 AM »
I thought of this thread when I logged onto my bank site today.  That little 'should I look?' feeling was there as the screen presented itself with my sad sad account balance. 

Note to self:  Stay home for the next month and eat from the garden. 

my staycation last week had me cooking and cleaning all week. my bank account is very sad and i need some better control. at least you have a garden!

best,
d
midapr07 - seroconversion
sept07 - tested poz
oct07 cd4 1013; vl 13,900; cd4% 41
feb08 cd4  694;  vl 16,160; cd4% 50.1
may08 cd4 546; vl 91,480; cd4% 32
aug08 cd4 576; vl 48,190; cd4% 40.7
dec08 cd4 559; vl 63,020; cd4% 29.4
feb09 cd4 464; vl 11,000; cd4% 26
may09 cd4 544; vl 29,710; cd4% 27.2
oct09 cd4 ...; vl 23,350; cd4% 31.6
mar10 cd4 408; vl 59,050; cd4% 31.4
aug10 cd4 328; vl 80,000; cd4% 19.3 STARTED ATRIPLA
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jun11 cd4 439; vl <20 ;); cd4% 33.8 <-Undetectable!
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