Author Topic: Long for Frugality?...Give tips here  (Read 40157 times)

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Offline irvinehomeowner

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Re: Long for Frugality?...Give tips here
« Reply #45 on: August 07, 2013, 09:36:59 AM »
I'm sending out an evite for our housewarming/kitchen tile demo/wood floor installation/ceiling-to-floor curtain hanging/garage epoxy/backyard landscaping party...
^ You know that's really what you wanted to say.
Once you go 3-car garage... your junk can never go back.
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Offline nosuchreality

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Re: Long for Frugality?...Give tips here
« Reply #46 on: August 07, 2013, 09:50:47 AM »
I'm sending out an evite for our housewarming/kitchen tile demo party... Who's in?  Serving Bruxies and box wine.

Wait a minute, I can show up, eat, drink wine AND SWING A SLEDGEHAMMER at your house with your permission?

I'm in.

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Offline fluffy

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Re: Long for Frugality?...Give tips here
« Reply #47 on: August 07, 2013, 09:58:40 AM »
throw in some complimentary lap dances and a VIP room and im in too

Offline SoCal

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Re: Long for Frugality?...Give tips here
« Reply #48 on: August 07, 2013, 10:05:16 AM »
drink wine AND SWING A SLEDGEHAMMER at your house with your permission?

I'm still laughing.

Offline fluffy

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Re: Long for Frugality?...Give tips here
« Reply #49 on: August 07, 2013, 10:05:49 AM »
besides not buying in irvine... u forgot

2.) spend less time on TI and more time doing actual work... lol

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Offline Irvinecommuter

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Re: Long for Frugality?...Give tips here
« Reply #50 on: August 07, 2013, 10:11:18 AM »
I saw a recommendation about saving on insurance and vehemently disagree.  Insurance is the one thing that you should splurge on.  Get as much protection/coverage as you can afford whether it be health, auto or home insurance.  Depending on your family's income stream, you should probably get life insurance as well.

Offline paperboyNC

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Re: Long for Frugality?...Give tips here
« Reply #51 on: August 07, 2013, 10:35:50 AM »
I saw a recommendation about saving on insurance and vehemently disagree.  Insurance is the one thing that you should splurge on.  Get as much protection/coverage as you can afford whether it be health, auto or home insurance.  Depending on your family's income stream, you should probably get life insurance as well.

My reasoning is:
 - Insurance looks for excuses not to pay your claim. If your house gets destroyed in a freak accident or act of war or floor or earthquake you aren't covered.
 - Life insurance gives people a reason to want you dead
 - Insurance companies make a lot of profits

If you start from a young age putting aside the extra $300/mo you could afford on premium insurance into investments instead you'll have $200,000 by the time you're 50 that will keep earning income and will be a nice life insurance plan. It will also be a nice cushion for other insurance occurrences that get denied.

That being said, I work hard to avoid unexpected expenses (by driving new cars that don't need almost any repairs/maintenance and owning a new home, having things under warranty, etc). Large unexpected expenses decimate savings accounts.

Offline Irvinecommuter

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Re: Long for Frugality?...Give tips here
« Reply #52 on: August 07, 2013, 11:00:11 AM »
I saw a recommendation about saving on insurance and vehemently disagree.  Insurance is the one thing that you should splurge on.  Get as much protection/coverage as you can afford whether it be health, auto or home insurance.  Depending on your family's income stream, you should probably get life insurance as well.

My reasoning is:
 - Insurance looks for excuses not to pay your claim. If your house gets destroyed in a freak accident or act of war or floor or earthquake you aren't covered.
 - Life insurance gives people a reason to want you dead
 - Insurance companies make a lot of profits

If you start from a young age putting aside the extra $300/mo you could afford on premium insurance into investments instead you'll have $200,000 by the time you're 50 that will keep earning income and will be a nice life insurance plan. It will also be a nice cushion for other insurance occurrences that get denied.

That being said, I work hard to avoid unexpected expenses (by driving new cars that don't need almost any repairs/maintenance and owning a new home, having things under warranty, etc). Large unexpected expenses decimate savings accounts.

Yes on all of those but insurance more than pays for itself when you need it.  Having a good policy also affords you better service and representation.  It is absolutely worth the extra money.

Offline bones

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Re: Long for Frugality?...Give tips here
« Reply #53 on: August 07, 2013, 12:52:09 PM »
.
« Last Edit: August 28, 2014, 01:50:59 PM by WTTCMN »

Offline test

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Re: Long for Frugality?...Give tips here
« Reply #54 on: September 14, 2013, 03:20:22 PM »
Drop Cox.

 

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