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I spend way too much on RPG's.
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<blockquote data-quote="Treebore" data-source="post: 6034074" data-attributes="member: 10177"><p>I am in debt. What married person with 3 kids, 2 in college, isn't? Yet, it isn't like I am in nay kind of desperate situation. I can afford all my bills and have some money left over. Its just I have become really sick of being in debt, and have been working out a debt pay off plan where in 10 to 15 years I would be debt free, even of our mortgages. After that, I would have to pay is utilities and taxes, with property taxes being my biggest.</p><p></p><p>To do that the most effectively, and therefore the fastest, you have to force yourself to realize what you need to have versus what you don't need to have. Hence my thoughts on RPG purchasing.</p><p></p><p>Another thing I have realized is that my family cannot go the next 10 to 15 years living in an austere manner. We have to have some fun over those years. So right now I can manage $500 a month in pay downs without us being unable to do some fun things. I've just done the numbers and realized if I cut out gaming expenses, the books, materials, as well as conventions, I can up that to $700/month, and I also like how much faster that helps everything happen over the long haul. Plus we are able to refinance our home, despite being seriously upside down on it, thanks to an Obama program, which will give me another $300 per month to work with. Which will allow me to do $1,000/month. I really like the time schedule if I can hit $1,000/month. It would take us to under 10 years.</p><p></p><p>But for long term pay off plans to work, you have to do the "nest egg" thing, because if you don't every unexpected problem that comes along drives you back into debt. Even at $1,000/month the minimum suggested nest egg will take me a year to build, and the most ideal would take 3 years to build.</p><p></p><p>I am really, really, tired of debt, and believe I am tired enough of it to remain committed to getting out of it once and for all. As close as anyone can get anyways, with taxes always hitting you, even after you die.</p><p></p><p>So I am willing, and most importantly, believe I am able, to give up the habit of buying RPG stuff I do not need, as well as give up going to conventions. As it is I play a minimum of three games per week, and on really good weeks as many as 5 times, so it isn't like I need to go to conventions.</p><p></p><p>So yeah, I am going to commit myself to do this. If I am lucky enough I/we will be debt free in as little as 10 years, hopefully no more than 15, since I cannot see what the future holds.</p></blockquote><p></p>
[QUOTE="Treebore, post: 6034074, member: 10177"] I am in debt. What married person with 3 kids, 2 in college, isn't? Yet, it isn't like I am in nay kind of desperate situation. I can afford all my bills and have some money left over. Its just I have become really sick of being in debt, and have been working out a debt pay off plan where in 10 to 15 years I would be debt free, even of our mortgages. After that, I would have to pay is utilities and taxes, with property taxes being my biggest. To do that the most effectively, and therefore the fastest, you have to force yourself to realize what you need to have versus what you don't need to have. Hence my thoughts on RPG purchasing. Another thing I have realized is that my family cannot go the next 10 to 15 years living in an austere manner. We have to have some fun over those years. So right now I can manage $500 a month in pay downs without us being unable to do some fun things. I've just done the numbers and realized if I cut out gaming expenses, the books, materials, as well as conventions, I can up that to $700/month, and I also like how much faster that helps everything happen over the long haul. Plus we are able to refinance our home, despite being seriously upside down on it, thanks to an Obama program, which will give me another $300 per month to work with. Which will allow me to do $1,000/month. I really like the time schedule if I can hit $1,000/month. It would take us to under 10 years. But for long term pay off plans to work, you have to do the "nest egg" thing, because if you don't every unexpected problem that comes along drives you back into debt. Even at $1,000/month the minimum suggested nest egg will take me a year to build, and the most ideal would take 3 years to build. I am really, really, tired of debt, and believe I am tired enough of it to remain committed to getting out of it once and for all. As close as anyone can get anyways, with taxes always hitting you, even after you die. So I am willing, and most importantly, believe I am able, to give up the habit of buying RPG stuff I do not need, as well as give up going to conventions. As it is I play a minimum of three games per week, and on really good weeks as many as 5 times, so it isn't like I need to go to conventions. So yeah, I am going to commit myself to do this. If I am lucky enough I/we will be debt free in as little as 10 years, hopefully no more than 15, since I cannot see what the future holds. [/QUOTE]
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