Tragedy!

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ChaosAffect

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That's good advice! We already do a lot of this stuff, but there's a few places where we need work ('Want' and 'Need', for example. LoL)
Not preaching but offering free and friendly advice.

1.) "One hand and one hand only in the cookie jar" If both the husband and wife have debit cards and checkbooks you'll find yourself in trouble real quick with more month than money.

2.) Know the difference between a "want" and a "need". In your heart you know the difference between coveting something and needing something.

3.) I'm guessing you're a young couple so remember you have to work your way up to that nice house with the granite counter tops, Stainless steel appliances and other high end finishes.

4.) buy cars that are at least 1-2 years old. You will still have a factory warranty and can for a modest fee increase it to three years or more. The moment you drive a new car off the lot you've just lost upwards of 40% of your investment.

5.) Do not carry debt other than a mortgage or a car loan. They are at least somewhat covered by the real property they represent. School loans are "OK" too but only if you have to. You and your career are the real property that covers those.

6.) In conjunction with #5 above, do not carry any credit card debt, ever. This is the killer of many a home budget. Don't believe the consumerism hype (BS) to put a purchase on plastic. It is an undeniable fact that most arguments between spouses are caused by money and financial worries. You can attest to that already. Discuss large purchases. Both must sign off on them.

My wife and I have the perfect setup. She puts "x" dollars into the bank every month towards the budget. The rest of her money she uses for groceries and for herself (fun stuff). I put all of my money in the bank since I make the lion's share of the income. I pay all of the bills and my wife is not interested in knowing the details. She does know my process however, in case something happens to me. Of course, if something does happen to me she'll be well off and at least finances will not be a worry. Get opposing life insurance polices to protect the other spouse. You would protect her physically right (on the street)?

I track each and every purchase, broken down into categories in Quicken. This is the only way you can track spending and to a just married couple that is important. Know where your money goes, don't guess. Money is simply a tool, and tools work best when kept sharp. Use Quicken or another financial product to track your spending. Do it now if you're not already. You'll thank me later.

I would have paid good money to have had this advice when my wife and I were young and just married. Neither of us were taught good money management skills and sure we made mistakes along the way. Learn from the mistakes of others. Learning from others is free. Learning first hand...well...not so much.

Chris
 

bg2509

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So, I am a wife and I am old, but I am happy. I think, you and your Fiance are still young. You don't know it better, for now. But the worst thing is to force the partner to do something, he does not really want to do. Everybody needs a hobby. Women usually like to buy shoes and handbags (me too)..that can be expensive too. Of course, if then there will be less money to life, you must make an agreement. If not....no.
 

ChaosAffect

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Oh, she's not forcing me to give up vaping! She knows better than that. She just thinks (unfortunately correctly) that it's kinda of foolish to be holding on to expensive PVs when I could be perfectly happy with one that costs less than $100.
So, I am a wife and I am old, but I am happy. I think, you and your Fiance are still young. You don't know it better, for now. But the worst thing is to force the partner to do something, he does not really want to do. Everybody needs a hobby. Women usually like to buy shoes and handbags (me too)..that can be expensive too. Of course, if then there will be less money to life, you must make an agreement. If not....no.
 

bg2509

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Oh, she's not forcing me to give up vaping! She knows better than that. She just thinks (unfortunately correctly) that it's kinda of foolish to be holding on to expensive PVs when I could be perfectly happy with one that costs less than $100.
I understood, what you said. And I reply my last post.
 

ChaosAffect

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I think she's less upset that I bought it in the first place, and more annoyed that it's a resource that we could be using. In the end the 'Wedding Present' really wouldn't solve anything, because I'd still have a PV w/ accessories that I could sell for a decent chunk of change, and the argument "Could you be happy with something cheaper, when we could really use the money from the GGTS stuff to pay bills and furnish the house a bit." would still be pretty valid. I'm not too proud to accept the gift as a wedding present, but the presence of the GGTS is the problem right now, and I'd still have to sell it.
 

Papa Hoyt

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OK so are you selling it or not.

To read the FS thread you had you were selling what appeared to be an extra and then closed it saying your friend was gonna keep it?

The one in that thread was a different number from what is in your signature. The one you said you friend was keeping was the Australia #280

I am just asking cuz I am confused?? Are you selling all of you GGTS? are you selling your GGTB?

I do not understand why she is the reason you are selling either. My wife/girlfriend of 16+ years know what my GGTS' cost but wants me to have a device that she will know that I use and enjoy because the absolute last thing she wants is for me to pick up another cancer stick.

Me personally if money is an issue you cant go wrong with keeping one GGTS and the iAtty because the money you would save over atomizers and health issues far out weigh the need for money in hand today.

But this is my opinion.
 

ChaosAffect

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The other one was someone that doesn't do forums, and I posted it for him. I'm going to be selling this one, a SSGGTS #787 w/ Iatty (res and no-res wire, and wick included), Stealth Cap, and Megalodon bottom button (got it because it works with the catch tank, there's a thread in this subforum.)

I don't know if it's particularly reasonable, but as she said if I can get a few hundred from that, and can be happy with a sub$100 mod, then we could really use the money. It's just a really stressful time moneywise right now, and she's right, there's no reason for me to have it at the moment.

I totally admit that I'm whipped, but I'm content being whipped.
OK so are you selling it or not.

To read the FS thread you had you were selling what appeared to be an extra and then closed it saying your friend was gonna keep it?

The one in that thread was a different number from what is in your signature. The one you said you friend was keeping was the Australia #280

I am just asking cuz I am confused?? Are you selling all of you GGTS? are you selling your GGTB?

I do not understand why she is the reason you are selling either. My wife/girlfriend of 16+ years know what my GGTS' cost but wants me to have a device that she will know that I use and enjoy because the absolute last thing she wants is for me to pick up another cancer stick.

Me personally if money is an issue you cant go wrong with keeping one GGTS and the iAtty because the money you would save over atomizers and health issues far out weigh the need for money in hand today.

But this is my opinion.
 

Repent

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So Chaos I have a question for you and I like to be direct.

In the VF forum on 9-15-2011 at 5:04PM you mentioned that you will be buying a Bulli at the end of the month. I've bought one before and that's an easy $100 expense. Did you get permission from the wife-to-be to buy that or when she sees your new toy you'll tell her the suckers in the GG forum on ECF bought it for you?

Seems to me you're misrepresenting your situation here are you not? Money can't be that tight. Or it is and you're running a game here?

And I do appreciate that your language on ECF GG forum is not foul like it is at VF.

Based on what I've read plainly and between the lines I have to rescind my offer for $10. I made that offer in good faith but feel like I'm being played for a fool.
 

ChaosAffect

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Yeah, that's not going to happen. My fiance and I had a talk about my PV spending, and what we need to focus on budgetwise, and it's like what was mentioned earlier in this thread. I'm having to be realistic about the difference between Want and Need.

Now, as far as running a game goes, I'm kinda insulted by that, as I've not asked for anything, because that would just be messed up. The 'Wedding Gift' was a spontaneous gesture made by a caring member here, and it's very appreciated, but not at all necessary. I won't be hurt if it evaporates, and I'll keep all the positive comments and thoughts in my mind.

Finally, language. Lmao. Yeah, it gets pretty rowdy over there. Personally, I like it, but it's not for everyone.

I can see that this is going to turn into a whole thing about people worrying that they're getting played, so I say again, I appreciate the thought but y'all really don't have to do this. Just the willingness to help out a stranger is enough.
So Chaos I have a question for you and I like to be direct.

In the VF forum on 9-15-2011 at 5:04PM you mentioned that you will be buying a Bulli at the end of the month. I've bought one before and that's an easy $100 expense. Did you get permission from the wife-to-be to buy that or when she sees your new toy you'll tell her the suckers in the GG forum on ECF bought it for you?

Seems to me you're misrepresenting your situation here are you not? Money can't be that tight. Or it is and you're running a game here?

And I do appreciate that your language on ECF GG forum is not foul like it is at VF.

Based on what I've read plainly and between the lines I have to rescind my offer for $10. I made that offer in good faith but feel like I'm being played for a fool.
 

Repent

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Thank you for the comments Chaos. I do remember that you mentioned having to distinguish between want and need. I had to learn that myself and today's society doesn't help any with the buy it now mentality. I'm not trying to be insulting, just direct. Pretty much everybody here takes the GG family idea very seriously and I'm not the only one to see that post. The questions, while very direct, were shared by more than myself and your points are good ones I'll admit. Being a retired cop I've seen money schemes played whereby the poor victim of some tragedy makes their bad situation known to a group of sympathetic individuals who, in their good hearts, pay for all kinds of things for the "victim". I'm not saying you're doing this so don't get me wrong here. That's the cop in me and I wanted to see your response.

It was actually refreshing to see that you didn't flame me in your response. And you're right about the language there. I thought about joining and having it as another resource but I just don't need to pollute my mind with that kind of talk. It's already polluted enough with some of the things I've had to deal with in the past.
 
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