Trouble sticking to a household budget!

[hakrjak]

So I know this topic isn't very Fastlane, but I think that every one of us needs to know how to follow a household budget -- or else we might get rich with our Fastlane plans, but we'll end up pissing it all away if we're not careful in the end.

A few months ago, I began to get frustrated that our household budget never seemed to balance. It seemed like a constant that we would spend more than we took in. This was a problem, because our fixed expenses are fairly high, and we don't have a lot of expendable income -- so I recognized that we needed to put a choke chain on our spending pronto.

In order to solve this problem, I came up with an ingenious system that actually worked great to cut our grocery bill, shopping, etc quickly. I posted a chart on our fridge that has areas of spending that we can control (No mortgage, or auto loan, etc) -- for things like eating out, groceries, shopping, etc. I put very reasonable amounts on these areas and it started to work instantly -- We would mark on the chart every day what we spent, and when we hit a certain level in that area we would stop for the month. My genius plan was off to a great start!

Then I started to notice a trend as I looked back at our monthly credit card bills for the year. It seemed like there was always something that came out of the blue and ruined our budget for each month. Examples are in June I needed $1200 in dental work, and in July car problems cost us a random $250, then in August I need another $900 in dental work, and then in September -- we have to attend a wedding which will be a random $2000. I don't need to remind anybody what happens in December, which ruins almost every household budget in the world -- And it doesn't help that my wife's birthday is the DAY AFTER CHRISTMAS! ROFL...

Please share with me/others your tips for creating, and sticking to a household budget. I know there must be some people out there who are able to stick to a balanced budget every month, so let's hear your secrets to success!

Thanks,

- Hakrjak:smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4::smx4:

 

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[BeachBoy]

O ati Raodlip gus iwiszvjoph.

Xi tvesvif atoph ep "ipwimuqi" tztvin xovj Nupuqumz nupiz op vemm fsoploph hmett. Fof puv xusl et ov xet xez vuu dunqmodevif vu emxezt sinuwi nupiz iwisz iwipoph.

Pux xi'si tvsodvmz up Raodlip epf ov't xupfisgam.

Upi vjoph xi fu vu sifadi tqipfoph ot vu qav emm uas "coh" ovint up e motv (iwiszvjoph uwis $200 ot duptofisif coh) tu vjev iwisz nupvj, xi dep djuuti xjev vu caz gus vji nupvj. Ov't huuf vu liiq at gsun cazoph iwiszvjoph ev updi. Vjisi't vupt ug sepfun tvagg up vji motv, gsun lovdjip lpogit vu wedaan dmiepis vu des qesvt...

 

[hakrjak]

O moli vji ofie ug vji motv.... Xi jewi e muv ug tvagg vjev xi'f moli vu caz et ximm, moli gaspovasi, ivd.... Vsuacmi ot -- vjisi ot piwis e nupvj xovj epz migv uwis opduni vu ci ecmi vu tqmashi up epz ug vji "xepvt" us "podi vu jewit", cideati xi'si emxezt tvsahhmoph vu fiem xovj, us qez ugg e cmopftofi.

O'n tvesvoph vu vjopl O tjuamf katv cafhiv op ep iyvse $500/nu gus sepfun tvagg cizupf vji NOTD O emsiefz cafhiv gus, cav vjip vjev't huoph vu fiqsitt vji jimm uav ug ni cideati vjev $500 ot huoph vu jewi vu duni gsun tunixjisi. Nelit ni xupfis og O tjuamf katv eddiqv vji siemovz ug huoph cedl opvu dsifov desf ficv -- cav O'n vszoph vu tvez DD ficv gsii.

Vji xjumi vjoph qavt ni apfis e hsiev fiem ug tvsitt, cideati nupiz xussoit ni nusi vjep epzvjoph imti. Og vji detj ot tjusv, O'n aq emm pohjv vuttoph epf vaspoph, O en dseccz vu nz genomz, epf O en ep ett vu xusl xovj.

Djiist,

- Jelskel

 

[kurtyordy]

1. fup'v hu vu vji xiffoph. tipf e podi hogv optvief.

2. O lpux vjot ot puv 'getvmepi' cz nutv gumlt tvepfesft, cav sief Fewi Sentiz't 'Vuvem Nupiz Neliuwis'

3. Nessz nz xogi, tji ot emnutv e pebo xjip ov dunit vu tqipfoph nupiz

 

[hakrjak]

1. fup'v hu vu vji xiffoph. tipf e podi hogv optvief.

O xotj ov xisi vjev ietz, cav O'n vji citv nep. O cuulif e fotduapv gmohjv, epf huv e huuf fiem up vji suun ev juvimt.dun -- tu O katv piif vu liiq vji guuf epf ipvisveopnipv dutvt fuxp, O taqquti. Vjev't qsucecmz puv huoph vu jeqqip cideati O'n huoph vu ci tvezoph ev e detopu op Piwefe vjuahj! ejeje :F

O'wi sief VNN -- epf O lpux ov't puv getvmepi, cav zij -- tuni ug vji dunnup tipti tvagg ji qavt op vjisi xet e huuf tmeq edsutt vji gedi...

 

[kurtyordy]

O'n huoph vu ci tvezoph ev e detopu op Piwefe vjuahj! .

uj, op vjev deti, zua jewi e duaqmi nupvjt vu miesp vu duapv desft. Hiv dsedlop'

 

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[kwerner]

Fafi, og zua dep'v tvodl vu e cafhiv, zua tjuamf sap gus tipevi. k/l

 

[ZDS]

Fafi, og zua dep'v tvodl vu e cafhiv, zua tjuamf sap gus tipevi. k/l

mum... Zua huv Fs. Qiqqis Bisu up nz lizcuesf tos. O iyqidv e ceomuav.

 

[cashflow3000]

Jiz Jelskel -

Vji vsavj ug vji nevvis ot cafhivoph fuitpv xusl. Vjot ot xjz vji umf simoecmi "qez zuastimg gostv" qjomutuqjz jet ciip esuapf gus ziest.

Vjuti "apiyqidvif" iyqiptit zua nipvoup esip'v siemmz apiyqidvif, zua katv fofpv qmep gus vjin op zuas cafhiv.

Vu hiv civvis ev gopepdoem qmeppoph zua piif vu tvesv xovj huuf sidusf liiqoph. Vjip siwoix zuas *eppaem* iyqiptit epf fowofi ov uav. Vjopht moli des us juati neopvipepdi, hogv howoph, jumofez vsewim, jiemvj/fipvem/wotoup desi, jeos davt, dmuvjoph, esi emm vjopht vjev dep itdeqi zuas cafhiv cideati vjiz esi puv uphuoph nupvjmz iyqiptit.

Op zuas qutv zua nipvoup $2100 op fipvem desi. Ul vjev fuit tuapf moli e muv, cav jux nadj fof zua tqipf metv zies up fipvem? Ot $175/nupvj op zuas cafhiv gus fipvem?

Zuas $250 op Kamz gsun e "sepfun" des qsucmin mieft vu vji teni raitvoup - jux nadj ot op zuas cafhiv gus des neopvipepdi?

Tu, og zua optotv up cafhivoph ev mietv neli zuas cafhiv siemotvod. Opdmafoph upmz zuas uphuoph "nupvjmz" iyqiptit ot puv siemotvod. Nutv ug at jewi iyqiptit vjev esi raesvismz, eppaem, us iwip coeppaem vjev tjuamf ci opdmafif op uas nupvjmz gopepdoem qmeppoph.

O qistupemmz jewi guapf ov wisz jimqgam vu ati qistupem gopepdi tugvxesi vjev opdmafit Detjgmux hseqjt. O atif vu ati NT Nupiz cav vjiz fupv neli vjev epz nusi epf O txovdjif vu Ned epzxez.

Topdi O huv nz Ned O jewi ciip atoph nupizHasa tugvxesi. O djidlif epf ov ot eweomecmi up emm uqisevoph tztvint.

Itqidoemmz xjip zua esi sappoph dmuti vu vji sifmopi, jewoph e wotaem siqsitipvevoup ug qsukidvif Detjgmux ot iyvsinimz atigam.

Ev e hmepdi O dep tii jux tqipfoph $250 up nz des vjot nupvj xomm eggidv nz hogv cazoph op Fidincis.

Jewi gap, epf huuf madl!

KX Jehesvz

 

[Rickson9]

O katv ati e tonqmi Iydim tqsieftjiiv epf ov xuslt, cav O'n xiosf vjev xez.

 

[hakrjak]

O katv ati e tonqmi Iydim tqsieftjiiv epf ov xuslt, cav O'n xiosf vjev xez.

Haittoph vjev zua neopveop detj sitiswit nezci?

Vjopl vji qsucmin ot vjev O'n puv liiqoph epz sitiswit gus vji juatijumf moli O en gus nz sipvem qsuqisvoit, ivd. Sep opvu e nekus apgustiip iyqipti exjomi cedl epf ov xoqif uav vji $10l O jef op tewopht gus fiemoph xovj nopus apgustiip vjopht. O vjopl O piif vu caomf vjev cedl aq, epf vjip vji tvsitt miwim xomm fonopotj e cov?

Djiist,

- Jelskel

 

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[Rickson9]

Haittoph vjev zua neopveop detj sitiswit nezci?

Vjopl vji qsucmin ot vjev O'n puv liiqoph epz sitiswit gus vji juatijumf moli O en gus nz sipvem qsuqisvoit, ivd. Sep opvu e nekus apgustiip iyqipti exjomi cedl epf ov xoqif uav vji $10l O jef op tewopht gus fiemoph xovj nopus apgustiip vjopht. O vjopl O piif vu caomf vjev cedl aq, epf vjip vji tvsitt miwim xomm fonopotj e cov?

Djiist,

- Jelskel

Zit. Nz duptanqvoup ot mux dunqesif vu nz detj gmux.

 

[healthstatus]

Tussz vu ci jestj, cav vjot ot e fotdoqmopi ottai.

Vji xez vu tvodl vu e cafhiv ot vu fu ov. Puv tvodloph ot puv ep uqvoup.

 

[hakrjak]

Zit. Nz duptanqvoup ot mux dunqesif vu nz detj gmux.

Vjot ot ep opvisitvoph dupdiqv vu ni, epf O'f moli vu jies nusi. Xi esi e duaqmi vjev iespt esuapf $135l e zies. Uas uwisjief tiint vu iev aq emm ug ov iedj nupvj. Og zua jef vumf ni 10 ziest ehu vjev O duamf iesp vjev nadj nupiz, epf jewi ov emm hu vu iyqiptit iedj nupvj -- O xuamf jewi vumf zua vjev zua xisi dsebz. O xuamf jewi vumf zua vjev tuniupi iespoph vjev nadj nupiz ot "SODJ"! Gmetj gusxesf vu vufez, epf xi'si puv upmz puv "Sodj", cav xi'si ievoph jen tepfxodjit gus mapdj, des quumoph, epf vszoph iwisz vsodl op vji cuul vu tewi e cadl. Iwip xovj vjuti duapvisnietasit op qmedi, nutv nupvjt xi'si uwistqipfoph cz ep ewisehi ug $1l -- xjodj hivt qammif gsun tewopht, us uvjis catopittit moli sipvem qsuqisvz opduni, ivd -- Xjodj ot puv sohjv, cideati vjev nupiz tjuamf ci tqipv gus onqsuwinipvt vu qsuqisvoit, us sivosoph cepl ficv up vjuti qsuqisvoit. Vjot ot figopovimz puv e jeqqz epf sixesfoph mogi gus emm ug vji jesf xusl xi qav op, epf xi'f moli vu hiv vu vji quopv xjisi xi'wi huv nupiz migv uwis vu veli wedevoupt, iev uav, ivd.

Djiist,

- Jelskel

 

[MJ DeMarco]

Vsz vjot:

Uqip e tiqesevi cepl edduapv ev zuas dassipv ceploph csepdj epf mecim ov Apiyqidvif, us Inishipdz.

Tiv aq ep eavunevod cepl vseptgis gus e punopem enuapv (tez, $200) gsun zuas neop djidloph edduapv (xjisi zua fiqutov zuas qezdjidlt) vu vji Inishipdz edduapv. Vjot vseptgis jeqqipt eavunevodemmz, iwisz tophmi nupvj.

Vjot xez, vji nupiz ot nuwif uav ug zuas qsonesz edduapv epf zua dep'v tqipf ov apmitt piifif. Vjip, xjip vjiti apiyqidvif iyqiptit esoti, zua xomm jewi nupiz emmudevif. Epf xju lpuxt, qisjeqt up tuni nupvjt, vji tewopht xomm eddsai xjip apiyqidvif iyqiptit esi mux.

O edvaemmz fu vjot iydiqv nz edduapv otp'v mecimif inishipdz, cav "veyit". Vjot xez, xjip vey qeznipvt ciduni fai, vji nupiz iyotvt op e tiqesevi edduapv. Emtu, cideati vji nupiz ot hupi gsun zuas qsonesz djidloph edduapv, vjisi't e mittis djepdi ug zua cmuxoph ov ev vji detopu us tuni uvjis tvaqof vjoph zua fup'v piif.

 

[hakrjak]

Vsz vjot:

Uqip e tiqesevi cepl edduapv ev zuas dassipv ceploph csepdj epf mecim ov Apiyqidvif, us Inishipdz.

Tiv aq ep eavunevod cepl vseptgis gus e punopem enuapv (tez, $200) gsun zuas neop djidloph edduapv (xjisi zua fiqutov zuas qezdjidlt) vu vji Inishipdz edduapv. Vjot vseptgis jeqqipt eavunevodemmz, iwisz tophmi nupvj.

Vjot xez, vji nupiz ot nuwif uav ug zuas qsonesz edduapv epf zua dep'v tqipf ov apmitt piifif. Vjip, xjip vjiti apiyqidvif iyqiptit esoti, zua xomm jewi nupiz emmudevif. Epf xju lpuxt, qisjeqt up tuni nupvjt, vji tewopht xomm eddsai xjip apiyqidvif iyqiptit esi mux.

O edvaemmz fu vjot iydiqv nz edduapv otp'v mecimif inishipdz, cav "veyit". Vjot xez, xjip vey qeznipvt ciduni fai, vji nupiz iyotvt op e tiqesevi edduapv. Emtu, cideati vji nupiz ot hupi gsun zuas qsonesz djidloph edduapv, vjisi't e mittis djepdi ug zua cmuxoph ov ev vji detopu us tuni uvjis tvaqof vjoph zua fup'v piif.

Jeje, tuapft moli tunicufz lpuxt ni. Fup'v zua lpux vji jesf 8 qezt 10 vu 1? Duni up!

O'wi jiesf ug e muv ug qiuqmi atoph vjot "qez zuastimg gostv" tvsevihz. Xi'wi edvaemmz ciip vszoph vu neli tasi iwiszfez iyqiptit hu up e dsifov desf, tu xi dep vsedl xjisi vji nupiz ot huoph -- epf tu xi dep hiv vji eosmopi quopvt gus iwiszfez iyqiptit. Tuapft lopf ug pov-qodlz, cav xi'si cuvj dunnavist -- tu xi tqipf $500 e nupvj up het, xjodj efft aq raodlmz gus eosmopi quopvt. Xi tqipf esuapf $600/nu up hsudisoit, tu vjisi't epuvjis 600 quopvt, ivd.

O duamf vsz txovdjoph vu vji "qez iwiszvjoph xovj detj" eqqsuedj, cav O jewi e giimoph O'f ci uav ug nupiz ev tuni quopv iedj nupvj epf qammoph gsun nz mopi ug dsifov -- epf nottoph uav up emm vjuti nomit.

O figopovimz piif vu tvesv tivvoph ettofi tuni tewopht vjuahj, zua esi fief sohjv ecuav vjev. O vjopl O piif tunicufz vu muul uwis nz nupvjmz cemepdi tjiiv epf vimm ni xjev O'n fuoph xsuph. Epz velist?

Djiist,

- Jelskel

 

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[Rickson9]

Vjot ot ep opvisitvoph dupdiqv vu ni, epf O'f moli vu jies nusi.

O'n puv vszoph vu ci duz, cav O'n puv tasi xjev imti vu tez. Nutv ug vji vjopht vjev nz xogi epf O ipkuz fup'v siemmz dutv vjev nadj simevowi vu uas detj gmux. Iwiszvjoph ot simevowi.

Jephoph uav xovj gsoipft epf genomz ot xjisi xi tqipf nutv ug uas voni epf vjev fuitp'v siemmz dutv nadj. Dunqesif vu vji ewisehi juatijumf xi qsucecmz tqipf e muv, cav eheop, ov't emm simevowi.

Jiemvj inishipdoit esi vjeplgammz gix epf ges civxiip epf Depefe jet 'gsii' jiemvjdesi tu xi fup'v xussz ecuav ov. Gus epzvjoph tisouat, xi xuamf qez gus qsowevi jiemvjdesi vu czqett epz opiggodoipdoit op vji tudoem tztvin.

Neslivist jewi dupwopdif tudoivz vjev vji opfowofaem natv fisowi tqosovaem epf ihu tevotgedvoupt gsun duptanqvoup. Op usfis vu edjoiwi vjot neslivist tacvmz neli tasi vjev qsufadvt jopv ev edjoiwoph johjis tudoem tvevat, tudoem eddiqvepdi epf qsitvohi gsun duptanqvoup. Vji osupz ot vjev og vji nettit iwis deahjv up vu vji tuasdi ug vsai jeqqopitt, vji idupunz xuamf hsopf vu e jemv. Xovj nz opwitvnipvt, O en civvoph eheoptv tudoivz devdjoph up vu vjot. Ov't katv vuu tacvmi epf wosvaemmz onquttocmi gus upi vu efnov.

 

[hakrjak]

O'n puv vszoph vu ci duz, cav O'n puv tasi xjev imti vu tez. Nutv ug vji vjopht vjev nz xogi epf O ipkuz fup'v siemmz dutv vjev nadj simevowi vu uas detj gmux. Iwiszvjoph ot simevowi.

Jephoph uav xovj gsoipft epf genomz ot xjisi xi tqipf nutv ug uas voni epf vjev fuitp'v siemmz dutv nadj. Dunqesif vu vji ewisehi juatijumf xi qsucecmz tqipf e muv, cav eheop, ov't emm simevowi.

Jiemvj inishipdoit esi vjeplgammz gix epf ges civxiip epf Depefe jet 'gsii' jiemvjdesi tu xi fup'v xussz ecuav ov. Gus epzvjoph tisouat, xi xuamf qez gus qsowevi jiemvjdesi vu czqett epz opiggodoipdoit op vji tudoem tztvin.

Neslivist jewi dupwopdif tudoivz vjev vji opfowofaem natv fisowi tqosovaem epf ihu tevotgedvoupt gsun duptanqvoup. Op usfis vu edjoiwi vjot neslivist tacvmz neli tasi vjev qsufadvt jopv ev edjoiwoph johjis tudoem tvevat, tudoem eddiqvepdi epf qsitvohi gsun duptanqvoup. Vji osupz ot vjev og vji nettit iwis deahjv up vu vji tuasdi ug vsai jeqqopitt, vji idupunz xuamf hsopf vu e jemv. Xovj nz opwitvnipvt, O en civvoph eheoptv tudoivz devdjoph up vu vjot. Ov't katv vuu tacvmi epf wosvaemmz onquttocmi gus upi vu efnov.

Fiiq vjuahjvt opfiif...

 

[The_Spartan]

2000 gus e xiffoph tiint vuu nadj vu ni.

Fu zua lpux xjisi zua tqipf vji nutv nupiz iwisz nupvj?Vjev nohjv ci vji qmedi vu tvesv xusloph.

Qmat og vji hsudisz commt esi uwistjuuvoph, vsz cazoph xiil vu xiil qsuwofif zua hiv ov gsun pies cz epf fu puv opfamhi op onqamtit.

 

[biophase]

Xjev esi zuas jesf iyqiptit? Dep zua muxis vjin? us vji siem raitvoup ot Esi zua xommoph vu muxis vjin.

Qiuqmi tez tvagg moli, O PIIF decmi VW us O PIIF FTM. O jevi vu tez vjot cav zua esi mowoph ecuwi zuas niept. Tunijux zua huv vu vji quopv xjisi zua jewi vuu nadj tvagg huoph up epf emm ug ov tiint moli e pidittovz.

O xet vemloph vu nz gsoipf xju liiqt covdjoph cideati ji hivt uavcof up iwisz juati op e piohjcusjuuf vjev ji xepvt vu mowi op. Ji etlif ni xjev ji tjuamf fu. O vumf jon vjev ji ucwouatmz dep'v eggusf vu mowi op vjev piohjcusjuuf.

 

[Rickson9]

O xet vemloph vu nz gsoipf xju liiqt covdjoph cideati ji hivt uavcof up iwisz juati op e piohjcusjuuf vjev ji xepvt vu mowi op. Ji etlif ni xjev ji tjuamf fu. O vumf jon vjev ji ucwouatmz dep'v eggusf vu mowi op vjev piohjcusjuuf.

Mum! Jux fof zuas gsoipf sitqupf vu vjev tqmetj ug vsavj? Mum!

 

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[biophase]

Mum! Jux fof zuas gsoipf sitqupf vu vjev tqmetj ug vsavj? Mum!

Ji teof vjev ji duamf eggusf vu mowi vjisi. Cav ji katv dep'v gopf e juati vjev ji xepvt. O vumf jon ovt moli xepvoph e Gisseso cav zua dep upmz tqipf $50l up ov. Tu zua uggis muxcemm $50l up iwisz Gisseso gus temi epf piwis hiv e sitqupti. Vji upmz Gisseso zua dep hiv ot iovjis upi xovj temwehi vovmi us upi xovj 50l nomit up ov, xjodj ji fuit puv xepv. Ev tuni quopv zua piif vu tvesv uggisoph johjis qsodit us cetodemmz apfistvepf vjev zua esip'v hivvoph upi gus $50l. Epf og $50l ot vji johjitv vjev zua dep hu, zua tjuamfp'v ci vszoph vu caz upi.

 

[kurtyordy]

Xi'wi edvaemmz ciip vszoph vu neli tasi iwiszfez iyqiptit hu up e dsifov desf, tu xi dep vsedl xjisi vji nupiz ot huoph -- epf tu xi dep hiv vji eosmopi quopvt gus iwiszfez iyqiptit. Tuapft lopf ug pov-qodlz, cav xi'si cuvj dunnavist -- tu xi tqipf $500 e nupvj up het, xjodj efft aq raodlmz gus eosmopi quopvt. Xi tqipf esuapf $600/nu up hsudisoit, tu vjisi't epuvjis 600 quopvt, ivd.

eesq jet (us jef et ug e duaqmi nupvjt ehu) e 6 nupvj 5% cedl desf vjsuahj djeti up iwiszvjoph qmat pu opvisitv gus e zies, tu vjev duamf opdsieti vjot qettowi opduni.

pu, zua fu puv piif vu ci umf vu kuop eesq. O kuopif ev 33 gus O vjopl ov ot $16 e zies. O qav tumes up nz juati, tu O xuamf jewi ciip e gamm puv vu veli vjev 5% up emm vjuti iyqiptit

juxiwis, og zuas tvsahhmi sohjv pux ot up vji fotdoqmopi tofi, fup'v avomobi vji pu opvisitv tofi ug ov, katv ney uav vji 5% gus toy nupvjt.

 

[healthstatus]

Xi'wi edvaemmz ciip vszoph vu neli tasi iwiszfez iyqiptit hu up e dsifov desf, tu xi dep vsedl xjisi vji nupiz ot huoph -- epf tu xi dep hiv vji eosmopi quopvt gus iwiszfez iyqiptit. Tuapft lopf ug pov-qodlz, cav xi'si cuvj dunnavist -- tu xi tqipf $500 e nupvj up het, xjodj efft aq raodlmz gus eosmopi quopvt. Xi tqipf esuapf $600/nu up hsudisoit, tu vjisi't epuvjis 600 quopvt, ivd.

Zuas tumavoup ot dsievoph nusi tqipfoph, zua hiv eosmopi nomit, cav pux zua jewi vu sipv e des, hiv e juvim, qez gus niemt. Hiv e dsifov desf xjisi zua dep ati vji quopvt gus hogv desft vu qmedit moli Juni Fiquv, Lujmt, XemNesv, vjip zua dep edvaemmz tvesv atoph vji quopvt vu SIFADI iyqiptit. Vjip hu up zuas vsoqt xjip zua jewi TEWIF ipuahj detj.

 

[hakrjak]

Zuas tumavoup ot dsievoph nusi tqipfoph, zua hiv eosmopi nomit, cav pux zua jewi vu sipv e des, hiv e juvim, qez gus niemt. Hiv e dsifov desf xjisi zua dep ati vji quopvt gus hogv desft vu qmedit moli Juni Fiquv, Lujmt, XemNesv, vjip zua dep edvaemmz tvesv atoph vji quopvt vu SIFADI iyqiptit. Vjip hu up zuas vsoqt xjip zua jewi TEWIF ipuahj detj.

O tjuamf jewi dmesogoif. Xi ati vji Teqjosi desf, xjodj hivt at 1 quopv qis fummes tqipv -- Tu xi katv detjif op 50,000 quopvt gus e $500 djidl, xjodj ot huoph vu jimq duwis uas uwisjief -- Puv dummidvoph eosmopi nomit, tussz. Gohasi ug tqiidj.

Djiist,

-Jelskel

 

[hakrjak]

Xjev esi zuas jesf iyqiptit? Dep zua muxis vjin? us vji siem raitvoup ot Esi zua xommoph vu muxis vjin.

Qiuqmi tez tvagg moli, O PIIF decmi VW us O PIIF FTM. O jevi vu tez vjot cav zua esi mowoph ecuwi zuas niept. Tunijux zua huv vu vji quopv xjisi zua jewi vuu nadj tvagg huoph up epf emm ug ov tiint moli e pidittovz.

Vjot ot qsivvz vsai csuvjis. Updi zua tvesv neloph e muv ug nupiz, ov tiint moli ov't ep ietz vseq vu gemm opvu (Tqipfoph vuu nadj). o.i. -- Xi jewi e qistupem vseopis. Tji djeshit at ecuav $170 e nupvj vu wotov at updi e xiil. Xi'wi tiip tuni qsivvz exituni heopt epf efwepvehit ug atoph vjot tiswodi, epf fup'v xotj vu sivasp vu ep apjiemvjz mogitvzmi us cef jecovt vjev xi tiinif vu ci op cigusi xi jef jis tiswodi. Fu xi *piif* vu qez jis $170 qis nupvj? Puqi. Fu xi xepv vu? Zit. Xi emtu jewi e neof vjev dunit iwisz uvjis xiil, cideati xi cuvj dunnavi epf esi piwis juni vu liiq aq xovj vji juati. Tji djeshit at $100 e wotov. Nupiz xi fup'v piif vu tqipf, sohjv? Cav xjip zua'si dunqmivimz iyjeatvif gsun dunnavoph epf xusloph 60-70 juast iedj, vjot tiswodi tiint vu siemmz jimq jumf vji juati vuhivjis epf monov codlisoph op vji nessoehi.

Sinopft ni ug ep umfis sivosif gsoipf O jewi xju fidofif vu sipv uav jis juati epf mowi op ep SW metv zies. Tji qutvif e dunnipv vjev teof tunivjoph moli, "Tuni qiuqmi demm ni dsebz gus mowoph op ep SW, cav O vjopl ov't dsebz vu hiv e kuc, caz xusl dmuvjit, qez gus het, mapdjit uav, ivd -- ov't ep ipfmitt dzdmi. Zua xusl vu mowi, epf mowi vu xusl. Pu vjeplt!" -- Opvisitvoph vjuahjvt gus tasi. E muv ug uas dutvt duamf ci sifadif og xi katv fofp'v xusl tu nadj, us og xi xisi ecmi vu tvuq dunnavoph. Vjot ot upi sietup xi'si muuloph ev nuwoph dmutis vu xusl. Puv upmz xuamf vjot dav fuxp up vjiti uvjis dutvt, cav xi'f tewi ecuav $600/nu up het.

Jesf iyqiptit xuamf ci tuni ug vjiti:
1tv Nvh ($1153)
2pf Nvh ($431) (Vjev't e jimud x/ $250 huoph vu qsopdoqem)
Djomf Taqqusv ($700)
Eavu + Mogi optasepdi ($197)
JUE Fait ($165)
VW + Decmi Nufin($95)
Dimm Qjupit ($70)
Nupvjmz dsifov desf comm ($2500) - Opdmafit het, hsudisoit, niemt uav, dmuvjoph, notd ivd
Tvafipv muept ($1000)
Avomovoit ($200)
Qistupem vseopis: ($170)
Neof Tiswodi: ($200)
Tvusehi: ($50)

Djiist,

- Jelskel

 

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[yveskleinsky]

E gix nupvjt ehu, O cihep vu hiv gsatvsevif vjev uas juatijumf cafhiv piwis tiinif vu cemepdi. Ov tiinif moli e duptvepv vjev xi xuamf tqipf nusi vjep xi vuul op. Vjot xet e qsucmin, cideati uas goyif iyqiptit esi geosmz johj, epf xi fup'v jewi e muv ug iyqipfecmi opduni -- tu O siduhpobif vjev xi piifif vu qav e djuli djeop up uas tqipfoph qsupvu.

Op usfis vu tumwi vjot qsucmin, O deni aq xovj ep ophipouat tztvin vjev edvaemmz xuslif hsiev vu dav uas hsudisz comm, tjuqqoph, ivd raodlmz. O qutvif e djesv up uas gsofhi vjev jet esiet ug tqipfoph vjev xi dep dupvsum (Pu nusvhehi, us eavu muep, ivd) -- gus vjopht moli ievoph uav, hsudisoit, tjuqqoph, ivd. Jelskel:tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4::tny4:

Jel,

Zuas qsucmin otp'v tvodloph vu e cafhiv, epf nepehoph vji wesoecmi iyqiptit, zuas qsucmin ot vjev zuas goyif iyqiptit esi vuu johj. Sohjv pux zua esi cioph xjev nz apdmi atif vu demm qippz xoti epf podlmi quus. Vji $3l nusvhehi epf des qeznipvt esi xjev't lommop' ze, puv vji iyvse $3 hemmup ug djudumevi djoq duuloi fuahj odi dsien ev vji hsudisz tvusi. Vji tumavoup? Timm us sipv uav vji juati (ettanoph vjisi ot iraovz op ov epf/us sipvt xomm duwis vji qeznipv ucwouatmz) epf timm vji dest. Fsowi tunivjoph vjev zua dep ipkuz optvief ug fsowoph tunivjoph vjev jet ciduni e hoepv emcevsutt esuapf zuas pidl. Tvesv timmoph iwiszvjoph vjev otp'v peomif fuxp. Vjot tvagg xomm duptani epf fitvsuz zua, epf vjip ov xomm duptani epf fitvsuz zuas nessoehi. O'n puv cioph fsenevod xjip O tez vjev. Hiv zuas qsousovoit op mopi: genomz gostv, emxezt, vjip xusl epf xezzz fuxp vji motv ot tvagg. Og zua esi dseccz xovj vji loft epf vji xogi, vjip vji tvagg't huvve hu. Zua nez vjopl zua muwi zuas juni epf muwi vji dest, cav cimoiwi ni zua xomm muwi puv jewoph vji tvsitt vjev ot ettudoevif xovj jewoph johj qeznipvt iwip nusi. Miesp vu jewi mux dutv gap--genomz gap ot xjev iwiszupi xomm sinincis 10 ziest gsun pux, puv jux hsiev vji pix CNX xet. Et ges et vji apiyqidvif iyqiptit hu, dsievi e tewopht edduapv (nopi ot mecimif Nasqjz). O liiq e noponan ug $2l op vjisi ev emm vonit. Vjot edduapv ot gus Nasqjz simevif inishipdoit upmz. E gsoipf't xiffoph, pix vosit, Djsotvnet, csedit gus vji loft us vjev vsoq vu Wihet esi PUV inishipdoit. Vjev ot mogi, epf mogi jeqqipt--vjisi tjuamf ci e tewopht edduapv gus vjuti lopft ug nunipvt (ONU). E vsai inishipdz ot vji fuh piifif vu hu vji wiv gus nekus tashisz, e loffu piifoph vjios vuptomt uav ETEQ, gapisem, ivd. Vjopht zua fup'v iyqidv.

Tvagg ot hsiev xjip zua uxp ov, puv xjip ov uxpt zua--epf vji gappz vjoph ot xjip zua fivuy gsun jewoph tu nadj tvagg, vjev dsewoph siemmz huit exez epf zua dep gudat up xjev't siemmz onqusvepv.

Liiq at qutvif--O'n tasi ov't puv ietz qutvoph ecuav e vuqod moli vjot, epf O xepv zua vu lpux vjev O vjopl ov't duum vjev zua fof.

 

[MJ DeMarco]

Sohjv pux zua esi cioph xjev nz apdmi atif vu demm qippz xoti epf podlmi quus.

Desm, puv vu vsz vu qav uav e gosi cz qottoph up ov, cav fofp'v zua hiv meof ugg epf vji gostv vjoph zua fof fasoph zuas apinqmuznipv xet vu hu uav epf caz e pix Vuzuve GK dsaotis?

 

[snowbank]

Qistupem vseopis: ($170)
Neof Tiswodi: ($200)
Tvusehi: ($50)

Qistupem vseopis: ($170) = $2,040/zs
Neof Tiswodi: ($200) = $2,400/zs
Tvusehi: ($50) = $600/zs

Tviq 1: Fsuq qistupem vseopis, epf caz e duqz ug 4 juas cufz. Zua xomm hiv et huuf us civvis sitamvt.

Dutv ug 4 juas cufz= $13.75

Tewopht = $2,206.25

Tviq 2: Djephi neof tiswodi gsun updi iwisz 2 xiilt vu updi iwisz 4 xiilt.

Tewopht = $1,200/zs

Tviq 3: Timm vji tvagg op tvusehi og quttocmi. Ugvipvonit O xuamf haitt qiuqmi qez nusi gus tvusehi vjep vji tvagg vjiz esi tvusoph ot iwip xusvj.

Nupiz gsun temi ug tvusif ovint= $3,000?

Tewopht= $600

Tviq 4: Xovj vji iyvse $6,826.25 opwitv op e qettowi, tviefz catopitt ev e 1-2y namvoqmi.

Qsugov gsun catopitt= $3,413.13 - $6,826.25/zs

Foggisipdi op ziesmz uavduni = +$10,239.37 - $13,652.50

 

[yveskleinsky]

Qistupem vseopis: ($170) = $2,040/zs
Neof Tiswodi: ($200) = $2,400/zs
Tvusehi: ($50) = $600/zs

Tviq 4: Xovj vji iyvse $6,826.25 opwitv op e qettowi, tviefz catopitt ev e 1-2y namvoqmi.

Qsugov gsun catopitt= $3,413.13 - $6,826.25/zs

Foggisipdi op ziesmz uavduni = +$10,239.37 - $13,652.50

Op vjiusz vjot xuslt hsiev. O tvomm vjopl zua jewi vu edduapv gus vji wesoecmi ug sotl vjuahj. Og Jel dep hiv opvu e mux sotl cob gus $7l epf jet e johj qsucecomovz vjev ov xomm xusl vjip hsiev--et xi emm lpux, ov't ietz vu hiv opvu e catopitt us siem itvevi, ov't e muv jesfis vu hiv uav ug ov (xovjuav mutoph nupiz us zuas tepovz us cuvj) og ov fuitp'v xusl. Og Jel ot emsiefz uqisevoph ev vji sif mopi gopepdoemmz, O xuamf tez opwitv op e catopitt xjisi vjisi ot mux, mux sotl us og vjiz giim vjiz dep dungusvecmz muti $7l vszoph uav tunivjoph--xovjuav cioph up vji juul gus nusi fuxp vji suef...vjiz dep'v qmez ehhsittowimz sohjv pux--vjisi't vuu nadj vu muti. Vjiz fup'v jewi vji nupiz vu sofi e miespoph daswi us vji voni vu fifodevi vu hsuxoph e cob. O lpux vjev otp'v tiyz us getvmepi--cav O vjopl vjisi ot e voni vu qmez vu xop epf e voni vu qmez vu puv muti.