Funding projects and purchases

30$ an hour 75 hours a week do the math. I pay bills tho no play money

 

Winner, winner, chicken dinner!!

 

Since this thread is over a year old, I've had a second kid since but I've been promoted a couple times, making enough that my wife can stay at home, watch the kids, and still run her business part time.

I also do some side gigs as well which pay for mods. My side gigs are graphic design work.

 

I sell roadkill armadillo armor to the U.S. Government to make Space Shuttle heat shields for the first mission to Mars.

 

I hear armadillo helmets block even the best brain wave scanners

 

This is the best advise on here so far!

 

Good job, no longer have kids on payroll (grown up) and 1 mortgage (no other debt). Having no interest in mods that cost big $$$ (wheels/tires/lift kits etc) helps. I prefer Tacomas in stock form.

 

At that rate at straight time(no overtime) that approx 117k a year. What are pissing your money away on.

 

My family plan with the railroad is 220 and it stays 220 even if I have 14 kids

 

Live alone in the mountains. Never married, no kids. 2 homes both paid for so no payments. 4 vehicles only 1 payment. Save a lot of money on heating by using wood only at $10 a cord. No computer or internet just my phone. It all adds up. Goid part of living alone is you spend what you want when you want. Bad part is you're always alone.

 

House daycare bills my 3 year old son. Wife doesn’t really make much. Makes enough to pay for her car that’s about it. Everything else from vacations to groceries all falls on me

 

If your job does pay the OT for the 35 extra hours that total almost $150k year. So here is some simple finance. If you use 132k for taxes, mortgage, day care etc. that still leaves 18k year left over, that’s 1500 a month that being blown somewhere. No judgement here that just simply makes you like most families in this country that spend every dollar they make and if they really took a look their budget would be amazed at what they waste.

 

stay the hell away from running a balance on credit cards, its just pissing money away
avoid buying brand new. Depreciation is real money.
shop for deals, means exercising patience and perhaps not getting your ideal item
install everything yourself. Save money on labor and learn in the process. Its a tacoma, not a ferrari...easy to work on.

small stuff matters. Even doing your own oil changes. Save $30-40 bucks doing it yourself each time, it adds up. More importantly though, the knowledge you gain translates into real cost savings in the future.

marry a cosmetic surgeon or estate planning attorney, that also helps

 

Daycare costs are a damned crime. It'll almost be cheaper for my wife to quit her job than for us to pay daycare. Thank god my parents are moving down here next year.

 

Agreed. I do save. I have a fund for my son with money going into it every week. Over time comes and goes so sometimes I can’t pull more than 60 hours a week. So far this year OT has been steady thankfully. Also have a four wheeler I’ve been paying extra on trying to pay it off. And I do blow some haha

 

I have to work extra shifts/overtime. Because every purchase has to be an argument with S.O. I have to purchase shit on clearance, eBay or from our good friends in China.

 

Forgiveness is easier than permission. Lol.