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I am a big fan of data and specifically visualization.
I described my finances here maybe a month ago as a drunken fiesta between property tax payments, deciding suddenly to move states, a bunch of other expenses that I don't take that often and making the budgetary mistake of spending money before I had it... project kickoff got delayed by 3 weeks and that was non-trivial money that I didn't have when I expected it mid January.
Anyway was playing with Personal Capital again and found this great picture on my credit card balances over time... which really brought it home: "let's not do this again."
Specifically can see the pattern of statement cut and PIF, and how it broke down to the right of the graph of daily credit card balances.
Awww Man! I thought you had a Gucci story to tell....lol! Although glad you didn't pull a "Jake from State Farm" type of spreeeee I see your pain in the graph, can empathize as well.
Is that just personal? or biz too? Lastly, are you settled into a groove now or are there still more moving expenses on the horizon to blow up that graph?
@GApeachy wrote:Awww Man! I thought you had a Gucci story to tell....lol! Although glad you didn't pull a "Jake from State Farm" type of spreeeee I see your pain in the graph, can empathize as well.
Is that just personal? or biz too? Lastly, are you settled into a groove now or are there still more moving expenses on the horizon to blow up that graph?
Laugh, not that kind of spree at least; all personal, almost out of the woods but I am not quite there yet.
If I paid everything like a good boy and didn't play games with the IRS, that's something like 33K in outflows and 3500 in the bank right now, but I also have the absurd cash flow from two jobs and once I get through this financial pain my cash flow is going to acelerate hard especially as the closing costs include 3 months escrow... mandated at 5% down, no CC arbitrage play for me unfortunately but the 3 months post Houston and post refi is going to be absurd, just need to not be stupid.
Anyway it'll work out, it's just expensive in the short term but the extraneous spending is done and if the fecal matter hits the air circulation device I can always dig into my equities to just start cutting checks but I'm trying hard not to need to do that and pay an even bigger tax penalty to California. Also admittedly other than closing costs the rest (~20K) can be floated if absolutely necessary at like 4.25% since the refi is delayed.
Adult financing trying to improve my life.
Only thing i can understand in these posts is Fiesta
@AverageJoesCredit wrote:Only thing i can understand in these posts is Fiesta
Lol!!! @Revelate I wanna be there for ya, but I can't find my dictionary. ...and then if I could then what?!?
I did understand one thing.....playing games with the Infernal Revenue Service. More power to ya!
@AverageJoesCredit hopefully learning through immersion? repetition? ...we'll get there one day this century.
I did a sort of accounting of my expenditures from 2019 and I shudder at the thought of seeing it in graphical format
@difringe wrote:I did a sort of accounting of my expenditures from 2019 and I shudder at the thought of seeing it in graphical format
Oh well I have a graph of that too from Personal Capital. Really can't say enough good things about the app when it comes to financial analysis.
2019 in it's glory with a lot of reimbursements. Totally blew like 6k on utterly useless stuff too, trying to not do that again either.
@M_Smart007 wrote:
@AverageJoesCredit wrote:Only thing i can understand in these posts is Fiesta
Ford Fiesta?
More like a Bingo
#JustMarriedRocks!
#RIPBM
I've been fiesta'ing way too hard this year. And of course, as soon as you splurge all sorts of stuff pops up that you HAVE to spend money on. Mom in hospital, resuming commutes to FL to visit every other weekend, dental work, ankle issues, etc.
No regrets . . the splurges have been nice after 5 years of keeping things tight post BK, but I'm ready to batten down the hatches again.
I had to yank $4k out of savings when I came to pay a BT promo that was about to expire and I fell short on cash . . . . that's the slow it dowwwwwn alarm.