Shwagger
Well-Known Member
Dont get married. Easy
No wife, incredible life
No wife, incredible life
Lots of masterbation and stainless steel.Dont get married. Easy
No wife, incredible life
Lots of masterbation and stainless steel.
Did you mean to be funny there? It turned out to be.
Note: Not making fun of divorce, itself.
Right, divorce--not funny.Slightly, I really should've mentioned he did it multpile times with his ex-wives. Not intending to make fun of divorce itself, but my uncle.
But I have someone on my shoulder whispering in my ear. "Are you crazy to spend all that money?"
One of my wifes friends is just like that. Coors light...all night.Simply put.... It has flavor.
She's a coors light kinda gal..
Hell, just go with underwear... Kinky Chainmail.
Warning! --- Not Safe For Work.
https://www.etsy.com/listing/713509...Ssj11o4-2aeo6IQV803IlapyslgZxREgaAu5hEALw_wcB
Thank's for quoting. I tried to delete the picture and replace it with the link.Looks like a sanitary uniform for brew day! [emoji482]
The picture remains in all new posts Timeline as the last picture posted. - LoLThat's for quoting. I tried to delete the picture and replace it with the link.
I see it got deleted for good reason.
Hairs get caught in it..... Ouch.... Damn.Looks like a sanitary uniform for brew day! [emoji482]
....vs no stainless steel.Lots of masterbation and stainless steel.
That was true of my ex-wife. My wife loves my beer and likes to hang out in the garage with me when I brew.
I didn't replace my ex... I upgraded ;-)
0% interest is a trap for many people.
0% interest is a great tool when used properly (for the consumer, not the lender..)
CC are great when you need some EPA cannister on the car and don't have the 800 clams to fix it in order to drive to work. Discipline is the key.
This is exactly what me and my wife did years ago.
We set up a household bill account that covered all of our bills. We then figured out what percentage both of us made of our total income, so for an example lets say I made 60% and she made 40% of our total income. We then each had to put in 60/40 split on the bills so all was even and all of our regular bills come out of that one account.
We then each have our own account we can do whatever we wish to do, even if that means me spending a boatload of money on brew pots or the such.
This is exactly what my wife and I do, works incredibly well. This way there's no issue. If we have debts we need to pay, we include whatever our monthly repayment would be in our bills until it's paid off. This way she gets her discretionary spending money each week and so do I. If I want to blow my money on brewing equipment and supplies I do, and same goes for her. There's no hard feelings this way.
Fellow Brewers,
My wife gets very angry every time I make a brewery upgrade. The first time, it was the 5 gallon Spike conical (~450) and she was very angry as she thought it should be a mutual buying decision aka I should have asked her before I spent my money. This time it was the Spike hot liquor tank (~650). She is livid. On both purchases, I used Klarna which allows one to make 6 months in payment plans 0 percent interest.
I love the hobby of brewing and I am slowly upgrading my brewery to the exact way I want it. It would model the Spike Brewing system when I am finished. She doesn’t understand why I keep buying expensive things to brew with and just wants me to use what I have. In a way, she’s right. I can brew with what I have but I want to brew with what I WANT. I went to college for 10 years and sacrificed almost all of my twenties to earn a doctorate degree. Not to boast, but Ill just be breaking the six figure mark in salary this year. I want to enjoy my hobbies. We have a considerable amount of debt that is being slowly but surely paid off. She wants most of my pay and hers to go to paying off debt but where is the enjoyment on sacrificing after you have already sacrificed 10 years of your life to get where you are? Anyways...
Do any of you guys/gals deal with the same thing from your significant others and if so, how do you manage?
I'm a CPA so there's no way I could sign off on the bolded
Know nothing about Klarna, but why not a 0% interest loan? If there are not origination fees.
You need a mad money fund. Its for buying things only you want and you dont rationalize or ask permission for. Wife gets one too. It is funded by a portion of your joint salary, something you both decide on.
The wife and I do the same. It works excellent. CheersThis is exactly what my wife and I do, works incredibly well. This way there's no issue. If we have debts we need to pay, we include whatever our monthly repayment would be in our bills until it's paid off. This way she gets her discretionary spending money each week and so do I. If I want to blow my money on brewing equipment and supplies I do, and same goes for her. There's no hard feelings this way.
It can be a good tool, I don't see how using a 0 interest loan on a homebrew rig could ever be classified as a "great tool". It is a tool for the company to sell more units. The risk associated with opening the 0 interest loan, combined with the fact that a high interest savings will only return as much as the loan origination fee (maybe), means that 0 interest loans are almost never a good idea for impulse purchases such as a brew rig.
So yeah, so don't buy toys you can't afford right now.I think we got sidetracked on debt, and didn't look at this specific situation. I think there are valuable uses for debt. Buying a house, taking on loans for a business [investing in yourself, essentially], etc.
But I learned a valuable lesson right out of college. I financed a motorcycle. I owned that motorcycle several years, but I wrecked it on a racetrack [where I couldn't make an insurance claim]. I owed $1900 still on the bike, but couldn't rationalize continuing to make the payments while also having to drop money into it to make necessary repairs just to make it rideable. So I sold it for $1500, ate the remaining $400 out of pocket, and haven't owned a bike since.
The lesson? Don't finance toys.
Debt can be used for some things, responsibly. But if you are talking about toys, i.e. a motorcycle, or brew bling, or anything else you don't NEED, you shouldn't be using debt to buy it if you can't afford it out of pocket immediately.
(There are possible exceptions for some 0% stuff, or credit cards with rewards if you pay them off in full each month, etc. I.e. if you *can* afford it out of pocket, but there are financial reasons to use the float, then it can make sense. But it sounds like OP wanted to use the 0% "pay it over 6 months" thing because he doesn't have that kind of cash on hand.)
I
The lesson? Don't finance toys.
(There are possible exceptions )
So yeah, so don't buy toys you can't afford right now.
It still gets back to need vs want. Want is assumed to be yes for all:
1 - You don't need it, can't afford it. Don't buy it.
2 - You need it, can't afford it. Buy it? - Don't buy, Save.
3 - You don't need it, can afford it. Buy it? - Maybe.
4 - You need it, can afford it. Buy it? - Yes.
Yeah, kinda, unless it's for your business of running a brewery. The house being the collateral.Are you saying that I should not have taken out the 2nd mortgage on my house to buy my brew equipment?? [emoji848][emoji85]
...is much more important than beer.
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