Wooot Finally got a job

[Gingeriffik]

Book I recommend everyone to read! http://www.daveramsey.com/store/books/dave-s-bestsellers/the-total-money-makeover/prod326.html

[Crandis16]

congrats bro, i was the same way when I was looking for an internship... It isn't the best of internships but hell, it isn't minimum wage, it's 5 minutes from my house, and it's full time. It's good experience too. That's all I can really ask for right there. IMO I like to spend money on the summer and save up for school and other things for the school year to come.

[97Jetta1637]

i can sum up that book in a short paragraph. take you check, pay your bills, after you pay your bills look at what you have left and put 15% or more into the bank with interest, put 5% into an emergency fund (ie: another bank account at another bank) but don't get a debt card for that, just for emergencies only so you have to go in to withdraw. then the other 80% of what you have is yours to play with. but bills and debt always come first. my percentages are based off of AFTER you pay bills/debt

[Gingeriffik]

i can sum up that book in a short paragraph. take you check, pay your bills, after you pay your bills look at what you have left and put 15% or more into the bank with interest, put 5% into an emergency fund (ie: another bank account at another bank) but don't get a debt card for that, just for emergencies only so you have to go in to withdraw. then the other 80% of what you have is yours to play with. but bills and debt always come first. my percentages are based off of AFTER you pay bills/debt

Worst summary ever!!! 80% leftover? What aout the Monty cash flow budget which is one of key elements taught in the book?

Edited July 2, 2012 by blade7022

[RooTxBeeR]

So, knowing the job is only temporary; your plan is to blow your money on audio instead of saving up a cushion for when the job ends? Bad move IMO. Paying back money owed first is a good move, double fold since it was from family, I would strongly suggest saving as much as possible while you’re on a temporary income. Wait till you have more consistent employment to start spending.

Edit: Not trying to steal your thunder, but think you should do a little more planning into the future. Either way, Congrats.

Will be be getting around $450 pay checks. I will have atleast 6 in total coming. I am only planning on spending $400 worth in total to complete my system. SO I am barely spending a chunk of what I am getting. Along with that, i will be buying it piece by piece. Not in one check.

[97Jetta1637]

i can sum up that book in a short paragraph. take you check, pay your bills, after you pay your bills look at what you have left and put 15% or more into the bank with interest, put 5% into an emergency fund (ie: another bank account at another bank) but don't get a debt card for that, just for emergencies only so you have to go in to withdraw. then the other 80% of what you have is yours to play with. but bills and debt always come first. my percentages are based off of AFTER you pay bills/debt

Worst summary ever!!! 80% leftover? What aout the Monty cash flow budget which is one of key elements taught in the book?

lol nice skimming. say you get a 650$ paycheck. after taxes, it's 580 (or whatever idk) you get paid weekly and bills come at the end of the month, so 580 x 4 = 2320$ a month ( again making numbers up) you have your bills that's $1500. so now you have 820$ left. put $123 in the bank for a cushion, then $41 in the emergency bank. now you're left with $656 for that month, gas, food, and play. it's really not that hard. let me help you break that down again. you eat subway for breakfast lunch and dinner, buy a footlong and eat 6" for breakfast then lunch = 5$ then buy another footlong and eat the whole thing for dinner = $5. that's $10 a day on food (again examples) 30 days in a month so that's $300 and now you have $356. now you figure gas. you get 20mpg at $3.20 a gallon and your tank hold 12 gallons and you drive 15miles 1 way to work, so 30 miles a day. you go visit a friends house, they live 5 miles away, you visit them 8 times in a month. there's 80 miles or 20 miles a week, so 230 miles a week, times 4 weeks in a month (averaging the day week and month in a year so there's no unfairness about what day to start on) is 920 miles a month. that's 3.833 repeating times you fill up, or 46 gallons of gas. 46 times $3.20 a gallon is $147.20 a month in gas. leaving you $208.80 dollars to literally do whatever you want with. don't ever buy a book to save money. do the fucking math.

[Chris Hammer]

Money is always nice! I mean..hell.. I work at Sonic, but a job is a job and I need to start stacking some stacks

I used to work there. I worked in the kitchen use to run that whole thing by myself sometimes. I hated it but was money. We had the worst managers though.

[Riley Evan Houser]

Money is always nice! I mean..hell.. I work at Sonic, but a job is a job and I need to start stacking some stacks

I used to work there. I worked in the kitchen use to run that whole thing by myself sometimes. I hated it but was money. We had the worst managers though.

Damn dude.. That's exactly me, the other night I was supposed to get off at 11.. Had to run that bischhh by myself from 4 and got out of there a 1:15. It was a joyous time. I left and was like this

[Gingeriffik]

i can sum up that book in a short paragraph. take you check, pay your bills, after you pay your bills look at what you have left and put 15% or more into the bank with interest, put 5% into an emergency fund (ie: another bank account at another bank) but don't get a debt card for that, just for emergencies only so you have to go in to withdraw. then the other 80% of what you have is yours to play with. but bills and debt always come first. my percentages are based off of AFTER you pay bills/debt

Worst summary ever!!! 80% leftover? What aout the Monty cash flow budget which is one of key elements taught in the book?

lol nice skimming. say you get a 650$ paycheck. after taxes, it's 580 (or whatever idk) you get paid weekly and bills come at the end of the month, so 580 x 4 = 2320$ a month ( again making numbers up) you have your bills that's $1500. so now you have 820$ left. put $123 in the bank for a cushion, then $41 in the emergency bank. now you're left with $656 for that month, gas, food, and play. it's really not that hard. let me help you break that down again. you eat subway for breakfast lunch and dinner, buy a footlong and eat 6" for breakfast then lunch = 5$ then buy another footlong and eat the whole thing for dinner = $5. that's $10 a day on food (again examples) 30 days in a month so that's $300 and now you have $356. now you figure gas. you get 20mpg at $3.20 a gallon and your tank hold 12 gallons and you drive 15miles 1 way to work, so 30 miles a day. you go visit a friends house, they live 5 miles away, you visit them 8 times in a month. there's 80 miles or 20 miles a week, so 230 miles a week, times 4 weeks in a month (averaging the day week and month in a year so there's no unfairness about what day to start on) is 920 miles a month. that's 3.833 repeating times you fill up, or 46 gallons of gas. 46 times $3.20 a gallon is $147.20 a month in gas. leaving you $208.80 dollars to literally do whatever you want with. don't ever buy a book to save money. do the fucking math.

See, this makes a better point than what you said the first time. The problem is, a lot of people don't get the process and need more than just a paragraph. I recommend the book because it teaches people how to do these things consitently. It gives tools and guidance on how to make your money work for you. I speak from experience, the things taught in the book go way beyond anything you said in your first post. But I still say that your original synopsis of the book was poor, and your example does no justice to the what the book offers.

That was a very nice pm by the way. Really mature

so before you go referring people to some dumbass book to make some dumbass richer with a paragraph i typed out in 15 minutes, read what i said and cram the "you need to buy this" attitude where the sun don't shine. want a link to a book for help with that? lol

. I never said "you need to by this", I said i recommend it. It can help people, so don't attack me for something I didn't say and check your own attitude. Edited July 3, 2012 by blade7022

[LT.Smoke]

How about all of you whining bitches shut the fuck up before you all receive vacations.....

Congrats OP on the job.... Temp jobs can very easily turn permanent in many cases so put forth 110% man... Good luck