Berkeley CSUA MOTD:Entry 20567
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2025/07/09 [General] UID:1000 Activity:popular
7/9     

2001/2/12-13 [Finance/Banking, Finance/Investment] UID:20567 Activity:high
2/12    I am broke. I am looking for an ass-kicking spreadsheet to start
        keeping track my expenses.
        \_ Quicken and Microsoft Money are better at this than any spreadsheet.
        \_ Its called a ledger. You can make using a $0.10 notebook from
           longs or payless. You have one column where you write in the date
           of a transaction, another where you write in a description and
           a last one where you record if it was + (deposit) or - (expense).
           Add it up at the bottom of a page and transfer to the next.
           \_ I just use a plain text file to do this.
                   \_ If you are broke, a text file costs too much money.
                \_ Perl!
           \_ $0.10 notebook?  What decade are you living in?
        \_ Hey, I thought we went throught this!  Use automatically deposit
           to put a portion of your paycheck into a savings account and DO NOT
           ever withdraw from that account.  I'm able to saving 20K a year
           that way.  And I'm not making 6 figures.  -frugal guy
           \_ Only 20K. How much do you make? ~ 45K? I'm saving ~ 40K a
              year by direct deposit into my money market account and
              I'm making not making 6 figures either.
                 to my parents (non-tax-deductible) and contributing 11% to my
                 401(k), and I'm not making 6 figures either.  Although it's
                 sad that we need to compete on how little we spend instead of
                 how much we make.
              \_ I'm making $2600 mortgage payment a month and sending $1K/mo
                 to my parents (non-tax-deductible since they're not listed as
                 my dependents) and contributing 11% to my 401(k), and I'm not
                 making 6 figures either.  Although it's sad that we need to
                 compete on how little we spend instead of how much we make.
                    \_ I'm 15% to 401(k), 10% to ESPP, the rest directly
                       into my money market accoount. I live at home with
                       my parents, so I cut back on costs there. The only
                       recurring costs I have are DSL ($69/mo) and my car
                       ($50 gas/mo, $50 insurance/mo, $20 maintenance/mo).
                       Occasionally I buy clothes or computer equipment,
                       but my yearly expenditure is covered by dividends
                        earn more via investments and such)
                       on a single mutal fund I own, all the other dividends
                       are reinvested. - soon to be member of the idle
                       rich.
                       (BTW, I don't consider non-salary income toward
                        that 6 figure thing. My salary is less, but I
                        earn much more via investments and such)
                        \_ what good is being idle and rich if you live at
                           home with your parents?  The values of sodans need
                           some serious whacking.  -tom
                              \_ With the money I am saving, I can easily
                                 move into my own house in Saratoga or
                                 Woodside. I can do whatever I want
                                 whenever I want. I don't have to go to
                                 work do what my boss or some stupid
                                 customer wants. I can just sit around
                                 and make money and enjoy myself.
                                 That's what idle rich means.
                                 And what's wrong with living with your
                                 parents? My parents are extremely nice.
                                 I'd have to be pretty damn stupid to
                                 move out and spend money.
                                 \_ I envy you having nice parents.  My mom is
                                    a dictator comparing to other moms (she
                                    even forced me to dump my gf,
                                    successfully, who was "just a little dis-
                                    respectful occasionally.  Just a little,
                                    really.  Other than that she's a very nice
                                    girl."), yet she has the gut to tell
                                    people that she's one of the most liberal
                                    parents in the world.  Geez.
                                \_ let's see...you don't have a girlfriend,
                                   or any activities you spend money on.
                                   exactly what are you going to do to
                                   "enjoy yourself" when you have "enough"
                                   money?  Get a life; money is a means, not
                                   a goal.  -tom
                                      \_ Spoken like a true poor peon.
                                         You don't really understand
                                         what it means to be rich do
                                         you? Too bad.
                                         \_ Sigh... not only is the sky falling
                                            but there must be solar flares too.
                                            Rich is nice but if being rich means
                                            this guy spends the rest of his
                                            life in his parents basement
                                            waiting for the magic day that he
                                            has "enough" money then the guy is
                                            totally lost.  I'd rather be middle
                                            class and have a life than rich in
                                            my parent's basement.  "Mikey!
                                            Dinner is ready!  And don't forget
                                            to clean your room before your
                                            little friends come over!"
                                        \_ I absolutely understand what it
                                           means to be rich, and it has
                                           practically nothing to do with
                                           numbers on pieces of paper.  -tom
                                   \_ The sky is falling!  This must be the
                                      Twilight Zone or Outer Limits.  I find
                                      myself in total agreement with tom!
                                   \_ for a "ride bike, save the whales" guy,
                                      you're pretty short-sighted.  be
                                      realistic.  sometimes you need to
                                      accumulate wealth to do what you want.
                           \_ uh, to save toward the future for when they
                              eventually move out?   what good is being idle
                              and poor if you're living by yourself in an
                              an apartment?  I mean, come on, it's not like
                              most Sodans need the privacy for a love-life or
                              anything.
                              \_ A love-life costs $s. And if you get
                                 married, in CA she gets 1/2 of your
                                 stuff. No woman is worth 1/2 of my
                                 portfolio. Better to be single, rich
                                 and free.
                                \_ Happy Valentines Day, tool
                 \_ My mortgage is higher, my parents are multi-multi-multi-
                    millionaires, I'm making comfortable 6 figures, putting
                    in 10% and I still have time to edit the motd.  Oh yeah,
                    redecorating the house next month, too.  The maid will
                    like the new arrangement as it leaves her less to clean.
                    \_ In other words, yer mom is kicking your lazy, fat,
                       arrogant ass out of the house because your life is as
                       pointless and contrived as your motd posts.
                       \_ No.  Why is it so hard to comprehend that others on
                          the motd live the good life?  I *know* there are
                          others here who have and continue to do even better
                          than me.  I don't get grumpy about it.  I applaud
                          and cheer their success.
                    \_ sign yer posts so i can track your ass down.
                       \_ YWTFMITA?
                       \_ Yeah and then what?  You wanted to meet the maid?
                          She's kinda cute.
                          \_ Any pics?
                                \_ No, but I could setup a webcam if you were
                                   dying to see her.
                                   \_ That'd be great.  Thanks.  URL?
                    \_ Well, my parents aren't that poor either.  They eat out,
                       pay hundreds of dollars per month on international phone
                       calls, renovate their home, trade stocks, had an apt.
                       unit to collect rent, own a car in a country where a
                       parking space costs $400/mo and public transportation
                       can take you to places faster than driving.  Recently
                       they even almost bought a brandnew Mercedes even though
                       sales tax on cars is 100%.  But they still want me to
                       send them $1K/mo even thought I can't even afford
                       eating out.  Sucks.
                        \_ Get new parents.
                           \_ Could it be Tokyo?
                              \_ Isn't sales tax on cars much lower than 100%
                                 in Japan?
                        \_ the place ur parents live, could it be HK?
                           \_ Good guess.  Yes it is HK.
                              \_ then ur parents' reason for collecting
                                 money from you would be helping u save
                                 money for marriage...
                                 \_ My parents demand tribute as well, but
                                    at least it's not as fucked up as that.
                                    My parents are upper middle class Chinese.
2025/07/09 [General] UID:1000 Activity:popular
7/9     

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