what can you afford?? with poll

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08-21-2007, 02:55 PM
secondgearscratch

what can you afford?? with poll

welp, the short of it is i had to take an alcohol awareness class because i got an m.i.p. in austin last year while at ACL.

in this class, the instructor asked about how much we all thought it costs in a week just to get intoxicated, and then when we came up with the figure he wanted to know:

1. our initial reaction
2. do we continue this practice or change it
3. what else could we better spend this money on

now its a far stretch because if anyone has been to these weekend classes they act as if you are an alcoholic or a heroin fiend, but nonetheless it got me wondering....

i dont really drink, but i usually spend about 50 bucks on mary jane a week. this of course is an average, im back in college and that figure is lower then and much higher in the off season (so to speak). im an athlete and am pretty active but i just like to smoke pot recreationally and never have taken it seriously like alot of people i know.

well heres the numbers:
$50 x 52 weeks a year = $2600.

you can see how incredibly much that is, just on some light marijuana smoking, not to mention beer and other shit i really could do without.

all in all i could easily have my car completely (or mostly) if i cut out this kind of partying.

so i was interested to know what everyone spends their money on that they could really do without, and with all that cash saved, what would you do with it.

all ages here, though i think those around my age will really feel the effects of all those "man was i fugged up last night!" nights. it aint worth the money....:lmao:

lets hear it...
08-21-2007, 03:11 PM
71skylark

other i have bad habits
08-21-2007, 03:15 PM
67CamaroRSSS

Much as I would like to spend the extra cash left over each month on car mods I end up spending it on the house. Something always needs fixing/improving. House mods are WAY more $$$ than car mods, and sometimes they're not mods but required fixes. Like last week: almost $400 on a new pool cleaner (Hayward Ultra Vac) cuz the Creepy Crawly up and died. Whatever is left over goes into the car. This weekend she gets a stall converter, but it'll be several months before I can afford anything else.
08-21-2007, 03:52 PM
secondgearscratch

i can only partially relate to that because im usually the one doing the home improvement because my dad foots the bill for our house. but i totally agree and i feel for ya brother.

right now we are redrywalling, sanding, and painting multiple rooms. i like to do these things, but i like them better when you sort of decide you WANT to do them, not HAVE to do them....

keep it coming people....
08-21-2007, 03:54 PM
JonB

Most of my money goes to apartment/living expenses, some is saved for a house, and the rest is going out/drinking.
08-21-2007, 03:56 PM
86 IROC-Z

I'm at college and I can't get a job until I get my car, which will be in about two weeks. I didn't have a job all summer, so my bank account is dwindling, right now all I really buy is sometimes and extra meal, or buy-in for a poker game, which I gave up after a loss last week until I get a job.

When I get a job, I'll probably be spending it on gambling, going out with friends, partying, and some clothes (no metro) because I'm a sophomore in college and I'm still wearing the same stuff I did in high school.
08-21-2007, 03:56 PM
96z28

bills bills bills
08-21-2007, 04:09 PM
secondgearscratch

Quote:

Originally Posted by 86 IROC-Z

I'm at college and I can't get a job until I get my car, which will be in about two weeks. I didn't have a job all summer, so my bank account is dwindling, right now all I really buy is sometimes and extra meal, or buy-in for a poker game, which I gave up after a loss last week until I get a job.

When I get a job, I'll probably be spending it on gambling, going out with friends, partying, and some clothes (no metro) because I'm a sophomore in college and I'm still wearing the same stuff I did in high school.

that is almost to a t what my summer has consisted of. im a sophmore in the grand college scheme also. quite fugging ridiculous with no money. i hear you totally man.

and yes to the clothes thing too, in fact, most of what i wear i have no recollection of ever seeing before i wear it....
08-21-2007, 04:12 PM
TripleBlackTA

all my cash is going to the bank so i can get a nicer car
08-21-2007, 04:14 PM
86 IROC-Z

Quote:

Originally Posted by CamaroDude

all my cash is going to the bank so i can get a nicer car

Thats where a lot of my money will go aswell when I get a job... sitting in the bank waiting for a ws6 to come along my way :)
08-21-2007, 04:19 PM
TripleBlackTA

Quote:

Originally Posted by 86 IROC-Z

Thats where a lot of my money will go aswell when I get a job... sitting in the bank waiting for a ws6 to come along my way :)

haha same here im looking for either a 00-02
08-21-2007, 04:32 PM
NE98LS1

morgages suck balls
08-21-2007, 04:48 PM
86 IROC-Z

Quote:

Originally Posted by CamaroDude

haha same here im looking for either a 00-02

I want an 01-02 ws6... black, auto with ttops and leather :yup:
08-21-2007, 05:32 PM
Jays00ss

well toss up between my Camaro, My elcamino, My house or my Boat. I guess they all get a little lovin!!
08-21-2007, 05:36 PM
bmyers

Quote:

Originally Posted by 67CamaroRSSS

Much as I would like to spend the extra cash left over each month on car mods I end up spending it on the house. Something always needs fixing/improving. House mods are WAY more $$$ than car mods, and sometimes they're not mods but required fixes. Like last week: almost $400 on a new pool cleaner (Hayward Ultra Vac) cuz the Creepy Crawly up and died. Whatever is left over goes into the car. This weekend she gets a stall converter, but it'll be several months before I can afford anything else.

plus updated and upgrading your home increases equity, with cars you dont have that luxury
08-21-2007, 05:38 PM
slim420832002

my son for sure
08-21-2007, 06:05 PM
bmyers

:dance:
08-21-2007, 06:49 PM
SeVeReDiStOrTiOn

Quote:

Originally Posted by 96z28

bills bills bills

:yup:
08-21-2007, 08:00 PM
67CamaroRSSS

Quote:

Originally Posted by bmyers

plus updated and upgrading your home increases equity, with cars you dont have that luxury

It surely does. This year so far it's been the driveway and side parking repavement as well as desert landscaping in the front yard. Last year it was a new roof. The year before it was 400 linear feet of block wall fence. The year before that it was carpet/tile/paint on the inside. Next year..... Maybe the bathrooms or the kitchen. I've also got an improvement to an existing addition that I want to pull off. It will increase the Master bedroom by 180 sq ft and give me access to the pool from that room (3 steps away - Oh yeah....). Every year it's something else. I don't mind though cuz I'm doing it the way I want it to be.
08-21-2007, 08:07 PM
bmyers

i chose other-savings
08-21-2007, 08:11 PM
Y2KPewterSS

Camaro has gotten it all the past 2 years. Modding is pretty much done with it now though. Hopefully buying a house next year.
08-21-2007, 08:17 PM
thecorrectformula

LMAO no one's said women. that's hilarious
08-21-2007, 08:26 PM
310stanger

i jus recently decided to curb my beer habit for awhile for this very reason. not to mention the drinking isnt good for me and its not doing anything good for me anyways
08-21-2007, 08:36 PM
Hi-Po

I pretty much buy a 12 pack a night. 12 bucks.

One can of chew every two days. 2.62 $

I dont smoke weed.

Although, I have more than 11 grand in the bank. Cash money.

Been saving for a long time now. Work at least 5 days a week, and at least 8 1/2 hours a day. I worked ten tonight. I am saving for a house I suppose. I really wish I had the balls to go buy my car. But I don't. I have worked too hard to blow it on something that wont make me more money. 21, dying to be more independent. Fast car doesn't make me independent, just makes me get boners when I drive.

I don't curb my beer drinking. I work hard as fuck everyday, I play hard as fuck everyday.
08-21-2007, 08:38 PM
bmyers

12 pack a night, holy fuck.
11 grand will get you into a home.
08-21-2007, 08:40 PM
86 IROC-Z

Quote:

Originally Posted by thecorrectformula

LMAO no one's said women. that's hilarious

fuck dem bitches. bitches aint shit
08-21-2007, 08:41 PM
Hi-Po

Quote:

Originally Posted by bmyers

12 pack a night, holy fuck.
11 grand will get you into a home.

Nah, its not a 12 pack a night. More like, 6 to 8.

But when I get off work, I have already drank 6 to 8 of that 12 pack, so I buy another. See?

I know 11 grand will get me into a home. But how nice? I have looked at a thousand houses, some I loved to death. They were expensive as hell. High 100"s. Others were low 100's and needed some fixing's. I dont wanna fix a ton of shit. I also dont want my payment to be 1200 amonth
08-21-2007, 08:43 PM
bmyers

Quote:

Originally Posted by Hi-Po

Nah, its not a 12 pack a night. More like, 6 to 8.

But when I get off work, I have already drank 6 to 8 of that 12 pack, so I buy another. See?

I know 11 grand will get me into a home. But how nice? I have looked at a thousand houses, some I loved to death. They were expensive as hell. High 100"s. Others were low 100's and needed some fixing's. I dont wanna fix a ton of shit. I also dont want my payment to be 1200 amonth

i bought my first house 4 years ago, didnt need much fixing but some updating. Its now worth 20 grand more than i paid for it and i rent it out. its theres alot of options out there.
08-21-2007, 08:49 PM
Hi-Po

Im thinking of saving 15 grand, so I can put down about 8500 comfortably and still have some left over for "them damn things".

I duno, Im still so young, I don't like making these 160,000 dollar decisions. Much rather make a 20,000 dollar decision..... ya kno?

Thread officially high jacked.... I will jump off the plane so you can have the thread back.
08-21-2007, 08:51 PM
bmyers

Quote:

Originally Posted by Hi-Po

Im thinking of saving 15 grand, so I can put down about 8500 comfortably and still have some left over for "them damn things".

I duno, Im still so young, I don't like making these 160,000 dollar decisions. Much rather make a 20,000 dollar decision..... ya kno?

Thread officially high jacked.... I will jump off the plane so you can have the thread back.

take the plunge. i was 19.
08-21-2007, 08:55 PM
Hi-Po

Quote:

Originally Posted by bmyers

take the plunge. i was 19.

Down payment?

Cost of house?
08-21-2007, 09:01 PM
bmyers

i think it cost me about 3000-4000 to get into it.
that house was 73,000
It appraises for 90,000
I rent it out for 700 a month

the one i live in now was 132,000
havent done a whole lot to this one yet.
08-21-2007, 10:19 PM
Dax

Quote:

Originally Posted by Hi-Po

I pretty much buy a 12 pack a night. 12 bucks.

One can of chew every two days. 2.62 $

I dont smoke weed.

Although, I have more than 11 grand in the bank. Cash money.

Been saving for a long time now. Work at least 5 days a week, and at least 8 1/2 hours a day. I worked ten tonight. I am saving for a house I suppose.

I have worked too hard to blow it on something that wont make me more money. 21, dying to be more independent. Fast car doesn't make me independent, just makes me get boners when I drive.

That is a mature attitude, stick with it. and BMyers is right, you should go for the house. You are obviously ready for it.
08-22-2007, 07:01 AM
02ultraZ

For me I would have to say food. I work in downtown harrisburg and there are so many great places to eat lunch. I'm too lazy and don't get up early enough to bring lunch in, so I'm spending between $8 and $13 every day depending on where I eat.

So my average is $10.50 per day for lunch.
$10.50x5=$52.50 per week.
$52.50x52=$2730.00 per year.

Thats for one meal of the day. If I pay for breakfast/dinner it's even more.

Alcohol is another expense I could do without and save big $.
08-22-2007, 08:12 AM
MarkuzLS1

Quote:

Originally Posted by 86 IROC-Z

I want an 01-02 ws6... black, auto with ttops and leather :yup:

That was exactly what I had. Sold it a few weeks ago.
08-22-2007, 09:19 AM
Daniel P.

Mine goes in the bank, but I started school this week and havent started workin yet so I have lots goin out with books and such to pay for, but none comin in. Not enough goin out to make a significant dent in the Bank account but enough to where it hurts.
08-22-2007, 07:52 PM
nhraformula

the amount of money i spend on bullshit is sickening
08-22-2007, 07:53 PM
TripleBlackTA

Quote:

Originally Posted by 86 IROC-Z

I want an 01-02 ws6... black, auto with ttops and leather :yup:

OMG same here hahaah thast funny
08-22-2007, 07:58 PM
86 IROC-Z

Quote:

Originally Posted by CamaroDude

OMG same here hahaah thast funny

Great minds think alike :thumbup:

a distanced friend of mine has one, its awesome :drool:
08-22-2007, 08:02 PM
JonB

Quote:

Originally Posted by thecorrectformula

LMAO no one's said women. that's hilarious

When I said going out/drinking I meant x2 since I have to pay for the women as well. Shit is so much cheaper when it's just me, her and them damn $6-10 drinks give me a $2 bud light and i'm good to go. 75% of the time we go out to each it cost more for her drinks than her food.
08-22-2007, 08:04 PM
86 IROC-Z

Quote:

Originally Posted by JonB

When I said going out/drinking I meant x2 since I have to pay for the women as well. Shit is so much cheaper when it's just me, her and them damn $6-10 drinks give me a $2 bud light and i'm good to go. 75% of the time we go out to each it cost more for her drinks than her food.

Next time, offer her a beer, and when she refuses, before she has a chance to respond with what she wants, say "Can't say I didn't offer" :)
08-22-2007, 08:06 PM
Hi-Po

Quote:

Originally Posted by JonB

When I said going out/drinking I meant x2 since I have to pay for the women as well. Shit is so much cheaper when it's just me, her and them damn $6-10 drinks give me a $2 bud light and i'm good to go. 75% of the time we go out to each it cost more for her drinks than her food.

Wow, I dont buy girls that I am "with" drinks...

She is bending you over.
08-22-2007, 08:16 PM
SSwt00SS

if i dropped:

softball (4) teams = ($50/team, 3 seasons) = $600/yr
eating out = $200/mon = $2400/yr
sold the Exploder = $35/mon insur. = $420/yr plus gas savings
misc. stupid shit = too much $$$

at a min., id say $3500/yr. could save...
08-22-2007, 08:16 PM
2MuchFun

im trying HARD to save for a streetbike....but too much still gets drained into my car...just yesterday i had some $75 code deletion done....but well worth it!
08-22-2007, 08:22 PM
sgt0704

my cash goes to my wife, my kids, and lastly, my car. with my wife and kids taking up about 90% right now. :yup: but i still find ways to buy shit. gotta love the "war" pay. :yup:
08-22-2007, 08:24 PM
sgt0704

Quote:

Originally Posted by JonB

When I said going out/drinking I meant x2 since I have to pay for the women as well. Shit is so much cheaper when it's just me, her and them damn $6-10 drinks give me a $2 bud light and i'm good to go. 75% of the time we go out to each it cost more for her drinks than her food.

unless she's your girlfriend, or she's fucking you, she can buy her own damn drink.
08-22-2007, 08:29 PM
secondgearscratch

Quote:

Originally Posted by SSwt00SS

if i dropped:

softball (4) teams = ($50/team, 3 seasons) = $600/yr
eating out = $200/mon = $2400/yr
sold the Exploder = $35/mon insur. = $420/yr plus gas savings
misc. stupid shit = too much $$$

at a min., id say $3500/yr. could save...

jesus brian youre one active son of a b!

softball is bad ass. ive played on a few teams here and there. it gets pricey!

the eating out thing kills me too. and i had an explorer and sold it..ended up in the hole on that shenanigan.

what would you use the cash on? please say the turbo youre going to buy for black beauty...
08-22-2007, 08:29 PM
secondgearscratch

Quote:

Originally Posted by sgt0704

unless she's your girlfriend, or she's fucking you, she can buy her own damn drink.

unless?

fuck that. she can ALWAYS buy her own drink. im sick of all that shit.
08-22-2007, 09:07 PM
SSwt00SS

Quote:

Originally Posted by secondgearscratch

jesus brian youre one active son of a b!

softball is bad ass. ive played on a few teams here and there. it gets pricey!

the eating out thing kills me too. and i had an explorer and sold it..ended up in the hole on that shenanigan.

what would you use the cash on? please say the turbo youre going to buy for black beauty...

haha, id get my sorry ass outta debt w/the money id save...

btw, the plans w/the SS are to keep her NA...:D
08-22-2007, 09:10 PM
dotcom2000

i go to the casino alot - and put a bunch into retirement cd's - crap like that
08-22-2007, 09:11 PM
310stanger

Quote:

Originally Posted by SSwt00SS

haha, id get my sorry ass outta debt w/the money id save...

btw, the plans w/the SS are to keep her NA...:D

sometimes its stuff like softball and other hobbies that keep you sane though. if that money didnt go to softball it could go to something possibly worse. its a catch 22 at times.

I eat out way too much, which is bad x2 because take out is often really fatty. jus recently cut back on my drinking. so hopefully this will mean more money for the cars, my ira, etc. productive things
08-22-2007, 09:12 PM
Hi-Po

I have a Roth that I put 3% into?

I hate seeing them dollars outta my pay check, put when Im 54 (hehe) I bet I will enjoy them.
08-22-2007, 09:14 PM
310stanger

Quote:

Originally Posted by Hi-Po

I have a Roth that I put 3% into?

I hate seeing them dollars outta my pay check, put when Im 54 (hehe) I bet I will enjoy them.

i put the max in my roth every year. it might suck a lil now but itll be flippin awesome when i go to retire and i got a huge chunk of cash to live off of comfortably. i dont wanna work till im fuckin 70
08-22-2007, 09:28 PM
Hi-Po

Quote:

Originally Posted by 310stanger

i put the max in my roth every year. it might suck a lil now but itll be flippin awesome when i go to retire and i got a huge chunk of cash to live off of comfortably. i dont wanna work till im fuckin 70

True that brotha.
08-22-2007, 11:02 PM
Hot Black Trans-Am

I'm paying off all my debt now and then it'll be house/car/investments/othercrap. I'm being a cheap ass until I get everything paid for. I'm sick of owing money and am getting out of it and only paying cash for shit after I'm done.
08-23-2007, 11:54 AM
djvaly

for now some good cash is going to the car build up, then next year to a house purchase.

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