How to give yourself a heart attack by looking at where your money goes

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Comments

  • JaimieT said:
    JaimieT said:
    A loaf of bread (like jus a loaf of Wondrebread) here costs about $2.50, and milk is about the same price...we pay about $4 for 4liters, which is just slightly more than 1 gallon.

    I think you can get those prices at Walmart here. I never know what store supposed you're supposed to cite with this.  :p
    I shop at a store called Loblaws because it's the closest to me (I also worked there for 12 years when I was younger!).. It's a higher-end grocery store - nowhere near Wallmart.  The company owns three chains of stories, each to appeal to different types of shoppers..."No Frills" is their budget chain, "Real Canadian SuperStore" is their middle of the road chain and "Loblaws" is their high-end chain.  I haven't grocery shopped in America for ages so I can't accurately compare Loblaws to anything in particular...it's above places like Wegmans...it might be similar-ish to Trader Joe's but the stores are much bigger and carry way more product lines.

    !????!!!! Bob Loblaw's Lah......... ah, I can't do it. But it was exciting.

    Yeah, then you're much less expensive.
    I'm 99% certain that Arrested Development had at least one Canadian writer on staff because the running joke here is that Loblaws was founded by a guy named Bob Loblaw.  Way back before Arrested Development was ever on the air, people used to come into our store and ask us about Bob Loblaw.  Everyone thought they were clever, but we heard the same joke 100 times a week.
    JaimieTken hale
  • DeeDee Adelaide
    Hatorian said:
    The biggest difference between australia and the US is the vending machine coke. It’s 3-4bucks in AU and .90 cents in US. It’s really a 300-400% increase. 
    Isn’t the sweetener subsidised in the US though? 
  • HatorianHatorian Dagobah
    edited February 29
    Dee said:
    Hatorian said:
    The biggest difference between australia and the US is the vending machine coke. It’s 3-4bucks in AU and .90 cents in US. It’s really a 300-400% increase. 
    Isn’t the sweetener subsidised in the US though? 
    Have no idea. All I know is you can get a 24 pack in the US for the price of 3 cans in AU
  • JaimieTJaimieT Atlanta, GA
    edited February 29
    Hatorian said:
    Dee said:
    Hatorian said:
    The biggest difference between australia and the US is the vending machine coke. It’s 3-4bucks in AU and .90 cents in US. It’s really a 300-400% increase. 
    Isn’t the sweetener subsidised in the US though? 
    Have no idea. All I know is you can get a 24 pack in the US for the price of 3 in AU

    At Kroger, I could get sales (that weren't rare!) that would get me $0.25-$0.30 a 12oz can. PS. I just drink tea now.
    Hatorian
  • Shit. Just buying cans you would get 15 cans in the US for 1 can in Australia 
  • FreddyFreddy Denton, Texas
    edited February 29
    JaimieT said:
    @Freddy Yeah.
    Knew it. I've never been there, but my favorite person in music used to live in a mcmansion in Alpharetta. This song was recorded there:

    Also, one of my best friend's sister is head of code enforcement in Alpharetta. Oh yeah, and I just recently met a girl from there. Her exact quote was "wow, I feel like you know more about my home town than I do..."
    JaimieT
  • DeeDee Adelaide
    @Hatorian I googled and our Coca Cola is the most expensive in the world. I wondered if we had a sugar tax on it (our cigarettes are also the most expensive because we have huge taxes on them), but nope. I guess it’s just because we have fairly high wages compared to most other countries so everything is more expensive. And also because what are we gonna do? We’re an island. 
    Hatorian
  • smoking is now only for the elites..) $44 bucks last I saw when I was there 
  • JaimieTJaimieT Atlanta, GA
    Freddy said:
    JaimieT said:
    @Freddy Yeah.
    Knew it. I've never been there, but my favorite person in music used to live in a mcmansion in Alpharetta. This song was recorded there:

    Also, one of my best friend's sister is head of code enforcement in Alpharetta. Oh yeah, and I just recently met a girl from there. Her exact quote was "wow, I feel like you know more about my home town than I do..."

    Neat! Yeah it's a great lil' city. Nice tech scene.
  • JoshTheBlackJoshTheBlack Atlanta, GA
    +1 for ynab.  I've been using it about 5 years.  I still stress over finances, mostly due to being underemployed and carrying more debt than I'm comfortable with.  (Debt comfort level = $0 + fixed rate mortgage.  I'll hopefully be there once I get my house sold!)  On the plus side, I know exactly where my money goes, I'm comfortable with my current expenditures, and I haven't overdrafted my account a single time since I started budgeting.  (Or several years prior either.)

    As to budgeting for future months?  I wouldn't recommend it.  I always have this month's non-volatile expenses fully budgeted when the rollover happens, and on the 1st, begin budgeting for next month.  (i.e. Money budgeted in March will be used to pay their respective bills in April.)  Once all of that is done, I budget 1/12th of each annual expense, then budget to pay down debt.  When I'm debt-free (apart from mortage) I will budget extra to emergency fund and wishlist goals.  

    Where I do poorly in my budget is budgeting for the unknowns.  Spending money, groceries, etc.  I've been stuck on the credit card float and budgeting after expenditures for a while now.  I keep telling myself I will get it back on track, but never actually do it.  
    Dee
  • DeeDee Adelaide
    So is YNAB budgeting software? Does it link to your bank accounts? 
  • JaimieTJaimieT Atlanta, GA
    Dee said:
    So is YNAB budgeting software? Does it link to your bank accounts? 

    Yes. It lets you plan in addition to tracking/reports. There's a slight learning curve, but if you want LMK and I'll send you some YouTube videos that I found helpful. 

    It does link bank accounts, but it doesn't need to. I don't use that function. I prefer the accountability of manual entry. 
    Dee
  • JaimieTJaimieT Atlanta, GA
    +1 for ynab.  I've been using it about 5 years.  I still stress over finances, mostly due to being underemployed and carrying more debt than I'm comfortable with.  (Debt comfort level = $0 + fixed rate mortgage.  I'll hopefully be there once I get my house sold!)  On the plus side, I know exactly where my money goes, I'm comfortable with my current expenditures, and I haven't overdrafted my account a single time since I started budgeting.  (Or several years prior either.)

    As to budgeting for future months?  I wouldn't recommend it.  I always have this month's non-volatile expenses fully budgeted when the rollover happens, and on the 1st, begin budgeting for next month.  (i.e. Money budgeted in March will be used to pay their respective bills in April.)  Once all of that is done, I budget 1/12th of each annual expense, then budget to pay down debt.  When I'm debt-free (apart from mortage) I will budget extra to emergency fund and wishlist goals.  

    Where I do poorly in my budget is budgeting for the unknowns.  Spending money, groceries, etc.  I've been stuck on the credit card float and budgeting after expenditures for a while now.  I keep telling myself I will get it back on track, but never actually do it.  

    I'm bad at that too (your last paragraph). I just have a broad "Banana Stand" category I throw extra money into, and adjust from that. 
  • edited March 3
    Man, just reading this thread made me feel better about my spending. Over the years our income has grown, but our spending hasnt changed all that much. I've used Mint for over 10 years to track expenses and it's helped me control where our money goes. 

    We also spend alot on food, but alot of that is eating out and shopping at the co-op. For a family of three we probably spend about 1k per month on food. We could cut that amount, but food is the one thing in life I think is work splurging for. I don't drink, go out on the town, or have any expensive hobbies. So, is it really that bad to buy a skirt steak, pint of coconut ice cream, or smoothie every once in awhile? 

    Our biggest expense is day care, which costs around 16k a year. With another kid on the way, maybe I do need to cut back on my smoothies. :P

    Also, I wish my wife was better at managing money. One day she came with 5 chicken and 5 steak kabobs. They were 50% off and still cost 40 something dollars, she didn't even realize how much she spent on them. I can't purchase anything in life without doing the mental calculations and she hardly ever looks at the prices. I still love her anyway, but man I wish she'd do some math every once in awhile. 
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