500 Cold Cuts in January · Page 9

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danmdevries
Herf-A-Holic

2 years ago

#161

Wife and I keep our finances apart. One account for mutual bills in which we both contribute. Works for us.

She wants a sweater, she pays for it. I want cigars, I buy them.

It’s not that hard.

8trackdisco wrote:

I'm the only income in our household.

I give myself $500/mo to spend on whatever. She gets the rest. She still complains when I buy "stupid chit".

She didn't say anything when I came home though.

I was packing up the last of my beer collection that I traded off on botlorg for cigars a couple hours later. She asked why the hell do you need more cigars you just got a box today and a box last week. I corrected her I got 2 boxes last week. 🇨🇮

I also keep any tax return money in my bank. Used to call it the beer bank cause I'd spend it all on beer. Now that I'm not drinking $500/mo goes a lot farther for buying stupid chit. 🍺

danmdevries
Herf-A-Holic

2 years ago

#162

That box of cigars I got today was missing a whole box, and a tenski.

But had a fiver of padron 4000 naturals labeled as a box of 26. They were in a ziploc bag, not a cellophane overwrap, and the wrappers have a few chips. Called them, they're shipping what I ordered and said keep whatever those cigars are. I gave the lady on the phone the sku and she said its not something they have. I checked their website they don't even list the padron 4k nats so who knows what happened there.

I'm gonna try to smoke em tho.

Did get a new brick of bovedas. Mine are pushing 10 years and I've had 2 leaks. Lost a few cigars with the first leak and tossed any that had discoloration in their envelopes. Opened one of my herfadors and the one in there had leaked too. Threw them all out, starting fresh.

Edited by user 2 years ago | Reason: Not specified

8trackdisco
Herf-A-Holic Topic Starter

2 years ago

#163

I'm the only income in our household.

I give myself $500/mo to spend on whatever. She gets the rest.

danmdevries wrote:

Every relationship has their own dynamic. What works for one couple doesn't work for others. But maybe I'll try that tonight.

Hey Honey,
I'd like to get the same deal as DanM's wife has in his relationship. To mirror that, this is how it is going to be going forward:

I'm going to quit my 18 hour a week job and bring no income into the family.
You work full time and bring in 100% of the income.
I'm going to let you have $500.
I get the rest.

This starts tomorrow.

MACS,
Any idea how that would be received?

8trackdisco
Herf-A-Holic Topic Starter

2 years ago

#164

……. Other than a cold compress, any other treatment ideas for a Black Eye?

DrafterX
Herf-A-Holic

2 years ago

#165

My wife and I have separate checking accounts.. she's on mine but I'm not on hers.. she has a business and stuff.. I pay most of the bills, house payment, insurance , car payments (none currently) repairs, etc..... she covers the utilities... I have known idea how much money she has... works for us... 😟

Edited by user 2 years ago | Reason: Not specified

frankj1
Herf-A-Holic

2 years ago

#166

all of our accounts are joint, other stuff has the other as beneficiary, then our daughters.

DrafterX
Herf-A-Holic

2 years ago

#167

I have access of course, but I my name isn't on her checks.. I let her do her thing.. 😟

Edited by user 2 years ago | Reason: Not specified

Gene363
Herf-A-Holic

2 years ago

#168

……. Other than a cold compress, any other treatment ideas for a Black Eye?

8trackdisco wrote:

Lucky if it's only a black eye.

The escape pod: https://cigarbid.freeforums.net

Gene363
Herf-A-Holic

2 years ago

#169

all of our accounts are joint, other stuff has the other as beneficiary, then our daughters.

frankj1 wrote:

Ours are all joint accounts.

The escape pod: https://cigarbid.freeforums.net

danmdevries
Herf-A-Holic

2 years ago

#170

8, sounds like a solid plan. But I'll give you some tips to make it better.

Squirrel away anything leftover after bills in cash savings accounts. Do not think about investing it, not even a cd, because it's for savings. Not to be used when the furnace dies in February or when the roof is leaking. It's savings money not spending money.

Make extra payments on the 2% mortgage but don't do extra payments on the 6% car note because cars depreciate so it's wasting money.

Credit cards minimum payments only, because you shouldn't use credit cards, only debit cards.

And remind your spouse that she sucks with money because she spends that $500 you let her have but you're the wise one cause you have fat savings accounts.

Edited by user 2 years ago | Reason: Not specified

danmdevries
Herf-A-Holic

2 years ago

#171

Beating a dead horse here. 🐴 🐴

She's gotten better but still can't grasp the concept of interest. So I reduced the take home by increasing my retirement, hsa, 529. She pays the credit card in full now after I had to open a HELOC to pay that off.

Could be worse, she could be spending it all on stupid chit.

Edited by user 2 years ago | Reason: Not specified

danmdevries
Herf-A-Holic

2 years ago

#172

Oh oil change today no shenanigans from the dealer. The tech did put a note on "love the hood struts".

The ridgeline hood is heavy. It's not on an assisted hinge, and uses a prop rod to stay open. I didn't like that. Found aftermarket gas struts and brackets for the Honda pilot that fit with a little cutting and now the hood is self supporting.

rfenst
Herf-A-Holic

2 years ago

#173

When I was working, I used our shop’s address for all my cigar activities...

Palama wrote:

Same here. Replaced the need to have to be home to sign for packages.

rfenst
Herf-A-Holic

2 years ago

#174

Ours are all joint accounts.

Gene363 wrote:

Pretty much the same here.

rfenst
Herf-A-Holic

2 years ago

#175

all of our accounts are joint, other stuff has the other as beneficiary, then our daughters.

frankj1 wrote:

Same here too.

frankj1
Herf-A-Holic

2 years ago

#176

and in our division of responsibilities, I pay all the bills...some online, some over the phone/automated systems, and very few with actual checks...but I actually do still keep a check register and compare it a couple times a day to the online bank info.

Found a couple things in recent years that Caren never would have caught...instant debit card cancel and new cards issued.

danmdevries
Herf-A-Holic

2 years ago

#177

When I was working, I used our shop’s address for all my cigar activities but I’mma guessing that’s not a real option for you.

Palama wrote:

Not an option for me.

One time back when I was working in a hinge factory I ordered a rear axle for my truck. Junkyard 390 with a locker to make my 2wd truck a little more useful.

Shipping was like $75 to a commercial address with loading dock or $150 for liftgate service. So I shipped it to work. My azzwhole boss made me pay him $20 for the personal use of his loading dock and forklift. That's the 1 and only time I've shipped something to work

Edited by user 2 years ago | Reason: Not specified

frankj1
Herf-A-Holic

2 years ago

#178

danmdevries wrote:

the guys working the loading dock at the hospital could probably hand carry a box of ceegars

danmdevries
Herf-A-Holic

2 years ago

#179

the guys working the loading dock at the hospital could probably hand carry a box of ceegars

frankj1 wrote:

Yeah they'd hand carry it straight to their own car.

danmdevries
Herf-A-Holic

2 years ago

#180

Happy Friday fellas

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