Zero2Cool
12 years ago
Fuck the Government helping me... let me fuck up my money and learn my own lessons. No wonder people make so many mistakes, they think the Government is gonna bail their ass out ... and sometimes.... IT DOES!! OMfG!
UserPostedImage
DakotaT
12 years ago

http://www2.ed.gov/offices/OSFAP/DirectLoan/calc.html

Already looked into consolidation/refi, can't do it, or at least not in a way that I'd get any benefit from it. I'd gladly triple the monthly payments for a couple percentage points off but nope, government says you can't refinance for a term shorter than 10 years. Thank you, noble government for saving me from the evil banks. I could probably take out a loan from a local bank for this but as I understand it, I'll probably take a hit to my credit score. I absolutely love that in order to have a great credit rating, you need to regularly borrow money... But not too much, or too often.

I'm not really sure if I'd qualify as frugal, but I try not to eat out more than about twice a week, maybe three times. I used to limit it to about once a week. I don't have a data plan for my phone and don't text, I have cable internet but no TV, and otherwise try to avoid those things that tend to nickle and dime you to death. Lord knows I could save probably $1500 a year by not eating out at all, but at some point you've got to decide to not be TOO frugal... In my mind, if you don't treat yourself at least a little bit once in a while, that's as bad as working 60 hours a week when you're young because you want to get all sorts of stuff you'll never have time to enjoy. Balance in all things. :)

Originally Posted by: Porforis 



You realize Porforis, that you're a lot like me. God help you! I think eating out is a horrific waste of money, when I can spend $1500 a year on beef and pork and fill both my freezers. I don't eat crappy sirloin soaking in marinade from whatever restaurant you choose - I eat t-bones, porterhouses, and ribeyes and prepare them perfectly on my own grill. I enjoy the good things in life just like Zombie - I just don't require somebody serving me like I'm some kind of royalty.

As for your school debt - you have to kind of look at that as bad luggage. You're going to keep it around for a while. You have a choice to get that paid off ASAP and forego getting a house, or you can be like most Americans and just dive into to debt and have everyting now and just pay the interest. What I've done with mortgages is this: both houses I've purchased were on 30 year notes. In each case - I refinanced to a 15 year mortgage when interest was low. Along with the refinancing I absorbed as much other debt as possible into the loan while still being above the 20%
minimum for the down payment.

As far as savings goes - there are good rules of thumb to follow, but the people that get to follow them don't usually have the freaking unusual happen to them like your child developing a brain tumor. I agree with Zombie though, that you should enjoy your life and not pinch the head of the penny through the ass. You'll make all the right moves - I've got no doubt. Wait until the kids come around - then you're going to know what real costs are. 😂

UserPostedImage
Wade
  • Wade
  • Veteran Member
12 years ago

You realize Porforis, that you're a lot like me. God help you! I think eating out is a horrific waste of money, when I can spend $1500 a year on beef and pork and fill both my freezers. I don't eat crappy sirloin soaking in marinade from whatever restaurant you choose - I eat t-bones, porterhouses, and ribeyes and prepare them perfectly on my own grill. I enjoy the good things in life just like Zombie - I just don't require somebody serving me like I'm some kind of royalty.

As for your school debt - you have to kind of look at that as bad luggage. You're going to keep it around for a while. You have a choice to get that paid off ASAP and forego getting a house, or you can be like most Americans and just dive into to debt and have everyting now and just pay the interest. What I've done with mortgages is this: both houses I've purchased were on 30 year notes. In each case - I refinanced to a 15 year mortgage when interest was low. Along with the refinancing I absorbed as much other debt as possible into the loan while still being above the 20%
minimum for the down payment.

As far as savings goes - there are good rules of thumb to follow, but the people that get to follow them don't usually have the freaking unusual happen to them like your child developing a brain tumor. I agree with Zombie though, that you should enjoy your life and not pinch the head of the penny through the ass. You'll make all the right moves - I've got no doubt. Wait until the kids come around - then you're going to know what real costs are. 😂

Originally Posted by: Dakotat 




For me to give detailed financial advice would be silly. I'm a poster boy for bad money management.

My only advice would be:
(i) (seconding zombieslayer) put money in matching 401(k) as soon as you can -- about the only smart thing I've done over the years is match the employers 10% contribution (which probably will go bye-bye next year or the year after). Unfortunately, because I stayed a student so much, I didn't start getting any such contrib until I was 39.
(ii) (seconding DakotaT) Eat out less. Think 1-2 times a week instead of 2-3, then reduce to 1-2 every two weeks. Everyone knows I love good cooking, and good restaurants can do things I'm not likely to try even if I somehow had the time to. And they have access to (relatively) cheap USDA Prime/high end Choice quality meat, seafood, etc that most of us don't. But the markup is horrible. Think 200% plus. And don't get me started on Starbucks-type coffee! Eating out should be a treat, not a habit until your income passes 60K per person.

Disagree with DakotaT on the marinade sneer, though. Marinading cures many sins if you have cheap cuts of meat or aren't much of a cook, and if you have good cuts or a good cook, it can take you to the next level. Even grilling: not to toot my horn too much, but I'll put my grilled venison, lamb, or pork up against anyone -- and the key to each is the marinades. Before I realized the power of marinading, I had as many disasters as successes from my experiments. But now? If it involves a marinade, I'll try something new even on people I've never cooked for before.

Unless its Kobe (which I can't afford) or Prime (which I also can't afford but buy about twice a year), I ALWAYS marinade now.

Oh, okay, I don't marinade sausage or bacon. [grin1]


And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God.
Romans 12:2 (NKJV)
DakotaT
12 years ago
Learn how to butcher Wade. My butchering group includes a professional meat cutter, so we do get the prime cuts for about $3.00 to $3.50 a pound. I think your estimate on butchering markup is low.

You cook a steak like Woody does - http://www.google.com/url?sa=t&rct=j&q=&esrc=s&frm=1&source=web&cd=3&ved=0CFUQtwIwAg&url=http%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv%3DZwIWsquytZ4&ei=o2oVUO71H8SV6wHO_4DoBw&usg=AFQjCNEhRtAqECOkGBE6XuXFJjs22sUC9Q&sig2=p29zwgqMQvNlhAXHGelkTA about 44 seconds.

Keep your marinades Wade. A little Lawry's seasoning salt will do me just fine.

Oh yeah, if you like fancy coffee - buy a Keurig and drink all the fancy coffees for much cheaper and then laugh at the clowns that pay $5+ for 24 ounces of Joe.
UserPostedImage
zombieslayer
12 years ago
Dakota - From experience, Wade's cooking is better than mine. And I'm pretty ****** good.
My man Donald Driver
UserPostedImage
(thanks to Pack93z for the pic)
2010 will be seen as the beginning of the new Packers dynasty. 🇹🇹 🇲🇲 🇦🇷
Zero2Cool
12 years ago

Dakota - From experience, Wade's cooking is better than mine. And I'm pretty ****** good.

Originally Posted by: zombieslayer 



Can you explain the value of one asterisk so we can accurately quantify the quality of your cooking please? Is this like a rating out of ten so your cooking is a six out of ten? I've never heard anyone be labeled a "6 star" cook so ... puzzled is me I am. 🤔 😇
UserPostedImage
DakotaT
12 years ago

Dakota - From experience, Wade's cooking is better than mine. And I'm pretty ****** good.

Originally Posted by: zombieslayer 



I'm not knocking Wade's cooking - in fact I'm sure it is excellent. But don't try and sell me on a marinade hunk of shitty sirloin being better than a porterhouse. In my opinion sirloin should just be ground up into hamburger, not sold for $20 a serving at whatever steakhouse you want to list.


UserPostedImage
Wade
  • Wade
  • Veteran Member
12 years ago

I'm not knocking Wade's cooking - in fact I'm sure it is excellent. But don't try and sell me on a marinade hunk of shitty sirloin being better than a porterhouse. In my opinion sirloin should just be ground up into hamburger, not sold for $20 a serving at whatever steakhouse you want to list.

Originally Posted by: Dakotat 



Oh, i'd never buy sirloin in a steakhouse. Filet, occasionally. Ribeye, you darn betcha.

I never said a marinated sirloin is better than a high-end cut. I only said that you can make a sirloin (or anything else) pretty good with the right marinade.

And you can ensure you don't ruin that good cut, that's all. (I've ruined a lot of food in my day.) And you can ruin a good cut of beef damn fast if you aren't careful. And even more so for other meats like pork, lamb, and chicken.

And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God.
Romans 12:2 (NKJV)
DakotaT
12 years ago

Oh, i'd never buy sirloin in a steakhouse. Filet, occasionally. Ribeye, you darn betcha.

I never said a marinated sirloin is better than a high-end cut. I only said that you can make a sirloin (or anything else) pretty good with the right marinade.

And you can ensure you don't ruin that good cut, that's all. (I've ruined a lot of food in my day.) And you can ruin a good cut of beef damn fast if you aren't careful. And even more so for other meats like pork, lamb, and chicken.

Originally Posted by: Wade 



Too bad you don't get time off in February, you could come up for butchering week. We get quartered beef and hogs and go to town. It is a lot of work, our wives don't appreciate it, but we all end up with freezers full of excellent meat that we know what's in our hamburger and sausages.

I can't remember the last time I actually had to buy hamburger from a grocery store. But I have watched people brown hamburger and have to drain off a bunch of water and fat. I am very amused by that.

We have a ban saw, an industrial mixer/grinder, a 6'X 4'X 10' stainless steel smoker that we built ourselves, and a walk in cooler aslo built by ourselves in my buddies shop - and a group of about 8 guys and a few stragglers who sometimes help out. It takes about 5 good days of hard work, but well worth it from a financial aspect, and a quality control aspect. When I go to restaurants, I never order steak - I usually get seafood.
UserPostedImage
Porforis
12 years ago
Summary: Wade and DakotaT need to have a steak cook-off. In my backyard. And I get to be the judge. Also, this cook-off is every week so I can take the tasty left-overs to work every day.
Fan Shout
wpr (30-May) : It's all good.
beast (30-May) : Yeah, and I enjoyed your comments and just attempted to add to it. Sorry if I did it incorrectly.
wpr (30-May) : Beast I never said Henderson was the salt of the earth. Nor even that he was correct. Just quoting the guy.
Zero2Cool (29-May) : What did you do??
Zero2Cool (29-May) : Whoa
beast (29-May) : OMG the website is now all white, even some white on white text
beast (29-May) : Henderson, who admits to taking cocaine during the Super Bowl against the Steelers, might dislike Bradshaw as he lost two Superbowls to him
wpr (28-May) : Hollywood Henderson said Bradshaw “is so dumb, he couldn't spell 'cat' if you spotted him the C and an A.”
Mucky Tundra (28-May) : Cooper stock=BUY BUY BUY
Mucky Tundra (28-May) : Also notes he’s playing with more confidence.
Mucky Tundra (28-May) : @AndyHermanNFL MLF says there was a time last year where Cooper was at 220 pounds. Now he’s at 240 and still flying around.
Mucky Tundra (28-May) : And don't even get me started on Frank Caliendos "impersonations"
Mucky Tundra (28-May) : I got tired of them being circle jerks with them overlaughing at each others jokes.
Zero2Cool (28-May) : It used to be must watch TV for me. now it's "meh" maybe to hear injury update
Mucky Tundra (28-May) : I haven't watched the pregame shows in years and I don't feel like I've missed a thing
Zero2Cool (28-May) : Love says knee affected him all season, groin injury didn't help matters.
Zero2Cool (28-May) : I used to enjoy him on FOX Pregame. Now it's like a frat party of former Patriots.
Zero2Cool (28-May) : LaFleur on Watson: “Christian is doing outstanding. I would say he’s ahead of schedule.”
Martha Careful (28-May) : Bradshaw is a dumb ass cracker. I am so tired of his "aw shucks" diatribe. He should shrivel up and go away.
buckeyepackfan (28-May) : He wad all butt hurt because Aaron duped the media saying he was immunized.
buckeyepackfan (28-May) : Bradshaw needs to retire. He's been ripping on Rodgers ever since the covid crap. He was all hury
Zero2Cool (28-May) : Terry Bradshaw doesn't want Rodgers in Pittsburgh lol wow
Zero2Cool (27-May) : one day contract, which he also feels is pointless, but if Packers came to him, he would
packerfanoutwest (27-May) : Aaron Rodgers talks possibility of retiring with Packers, just another rumor
dfosterf (27-May) : Go watch 2001
Zero2Cool (26-May) : 1984
dfosterf (26-May) : That movie sent a chill through many. 1968.
dfosterf (26-May) : "Open the pod bay doors, HAL"
buckeyepackfan (25-May) : Haven't we all seen thus movie? It doesn't end well!! Lol
Zero2Cool (25-May) : lol Anthropic’s new AI model turns to blackmail when engineers try to take it offline
dfosterf (25-May) : Claude Opus 4
dfosterf (25-May) : AI system resorts to blackmail when its developers threaten to take it offline
beast (22-May) : Colts Owner Jim Irsay has passed away
Zero2Cool (21-May) : Well, emailing should work now. After not working for almost a year. Oops.
Zero2Cool (21-May) : Brotherly Shove did not get enough votes.
Zero2Cool (20-May) : lol our email hasn't worked in months. 7 pages of unverified users
Zero2Cool (20-May) : MySpace Screaming Lord Byron ... Brett Favre.
Zero2Cool (19-May) : Packers have signed first-round pick Matthew Golden, leaving second-round tackle Anthony Belton as their only unsigned draft pick
beast (19-May) : Supposedly he has to take his image, and name off of it... but otherwise could keep selling wine if he wanted to.
Zero2Cool (19-May) : he giving up his win business?
beast (19-May) : Speaking of Woodson, sounds like he'll be a minority owner (0.1%) of the Browns
Mucky Tundra (15-May) : Zero, regarding Woodson, that'd why I find the timing with Williams peculiar
dfosterf (15-May) : Ryan Hall y'all does a great job of tracking thesr
Zero2Cool (15-May) : Fear not!! I planned to do 33mi bike ride tomorrow morning, so ... yeah
Zero2Cool (15-May) : We got some dark clouds and nasty winds right bout now.
Zero2Cool (15-May) : Madison they had hail 4pm.
dfosterf (15-May) : Sure looks like these tornadoes are headed towards Green Bay
Zero2Cool (15-May) : Woodson of Charles fame was reluctant and then loved it. that didn't really come out until post career
Mucky Tundra (15-May) : IE "We bought into the Bears and they let us down, we have no choice to seek alternatives"
Mucky Tundra (15-May) : Or that Williams and his family are preparing an exit ramp if they don't like how things are going in a few years
Please sign in to use Fan Shout
2025 Packers Schedule
Sunday, Sep 7 @ 3:25 PM
LIONS
Thursday, Sep 11 @ 7:15 PM
COMMANDERS
Sunday, Sep 21 @ 12:00 PM
Browns
Sunday, Sep 28 @ 7:20 PM
Cowboys
Sunday, Oct 12 @ 3:25 PM
BENGALS
Sunday, Oct 19 @ 3:25 PM
Cardinals
Sunday, Oct 26 @ 7:20 PM
Steelers
Sunday, Nov 2 @ 12:00 PM
PANTHERS
Monday, Nov 10 @ 7:15 PM
EAGLES
Sunday, Nov 16 @ 12:00 PM
Giants
Sunday, Nov 23 @ 12:00 PM
VIKINGS
Thursday, Nov 27 @ 12:00 PM
Lions
Sunday, Dec 7 @ 12:00 PM
BEARS
Sunday, Dec 14 @ 3:25 PM
Broncos
Friday, Dec 19 @ 11:00 PM
Bears
Friday, Dec 26 @ 11:00 PM
RAVENS
Saturday, Jan 3 @ 11:00 PM
Vikings
Recent Topics
29-May / Green Bay Packers Talk / Martha Careful

27-May / Green Bay Packers Talk / Zero2Cool

27-May / Random Babble / Martha Careful

24-May / Green Bay Packers Talk / beast

24-May / Green Bay Packers Talk / beast

23-May / Green Bay Packers Talk / greengold

23-May / Green Bay Packers Talk / earthquake

22-May / Green Bay Packers Talk / beast

22-May / Green Bay Packers Talk / bboystyle

21-May / Green Bay Packers Talk / greengold

21-May / Green Bay Packers Talk / earthquake

20-May / Green Bay Packers Talk / beast

19-May / Green Bay Packers Talk / beast

19-May / Green Bay Packers Talk / Zero2Cool

16-May / Green Bay Packers Talk / dfosterf

Headlines
Copyright © 2006 - 2025 PackersHome.com™. All Rights Reserved.