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Originally Posted by !@#$%!
if you're just making slightly more than you need then you have no room for fun and savings and that's both boring and terrifying, just chained to a wheel of obligation with no security.
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I misspoke. Mis-typed. MIs-thought... whatever. What I meant was, prior to 2 years ago, I had only ever either made kind of a lot (especially with my girlfriend also working full time) or made virtually nothing. Now I'm in situation where I'm doing something I really enjoy and pretty much barely making enough to save at all. I need to learn how to live within my means, like, for realz.
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Originally Posted by !@#$%!
sees to me that your situation is giving you a great opportunity to really really really get your shit together, so you could eventually GTFO of there if you wanted, and with a little nest egg to boot. provided you get your shit in order first. i mean, if your house is already paid off (don't care who paid it) you're already on the way to early retirement.
most people spend a good chunk of their income in rent or mortgage, and take the longest-ass mortgages they can handle like 30 years... can you imagine paying for anything for 30 years? well...
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I mistyped again. Meant to say "surprise" expenses. But I think you got that. Not sure what a "suspense expense" would be. Whatever.
Anyway, unfortunately the house is no longer paid off. It was paid off by my mom years ago, but she felt she took out a second mortgage when my grandmother's medical bills became more than we as a family could pay for. At this point it's mostly paid off again, thank goodness, and I make monthly payments that are not too bad. Less than rent for a city apartment. I lucked into the whole situation. I originally came here just to fix the place up, ad when I got my job it just became my home, and now it's been deeded to me. Lucky white boy, me.
I appreciate your recommendations. I can't promise that this book is going to do a thing, but I feel very compelled to read it now. Besides, changing my life is up to me... bootstraps and whatnot — though pulling oneself up by one's bootstraps, if you think about it, just means falling down again... baaahahahaha!
Anyway, much 'preciated.