Real World Peeves, Disgruntlement, and Irks.
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@quinn said in Real World Peeves, Disgruntlement, and Irks.:
A month and a half? Where do you live? Cause dude, where I live it's $3900 a month for the two of them and it's only that cheap because the youngest just got out of the infant room. Still better than the $4500/month we were paying last year, though.
They are not fucking around when they say kids are expensive.
I've got two, and they are $1,200/4 wks. Thankfully, I live in a place where the cost of living is dirt-cheap.
But, I help put my partner through college too. And I have a mortgage. Full-time employment. Can guarantee around $7,000 in health care payments every year too.
I'm a lawyer. I charge $250/hr. on average. I'm still struggling to make ends meet.
Welcome to America.
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I apparently left my car unlocked over the weekend while I was off work ... and some got into it and ransacked it. Leaving a mess all over my front seat, and take the probably $20some dollars in loose change I forgot I had left in the center console in a plastic baggy.
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@ganymede That sounds familiar from talking with my sister, she is a senior project manager for a major multinational, dozens of professionals working for her in multiple countries. But... She lives in the South East of the UK just outside of London, in a nice area, she has a young daughter.
The majority of the money she makes after tax goes straight into child care costs to allow her to work. Also the four bedroom house with a tiny garden they live in cost them the equivalent of a million dollars so I dread to think what their mortgage payments are like.
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Welcome to America, indeed.
I'm the GM of a retail shop. I make approx $52k after commissions, bonuses and etc are factored in. My partner is a laborer doing drywall, painting and such. He brings in just around $30k a year.
A quarter of our combined income goes to housing (mortgage, insurance, property taxes).
Another quarter goes to medical insurance, and general health care (no subsidies, we pay for everything out of our own pockets).
A third quarter goes to living expenses, car payments, credit card payments, food, clothes, utilities and such.
Out of what's left, we can put away around $8k per year for retirement and general savings (it would be more, but a big chunk goes to my partner's ex-wife as child support). That's not a lot for two people. We've had to dip into our savings several times over the past few years for unexpected medical emergencies and one car emergency (the SO's car got totaled while he was driving for Lyft, and it was his fault. Driving with no sleep is bad, m'kay, and no, there was no one else in the car at the time).
We're still living a fairly comfortable life but it probably wouldn't take that much to wipe us out financially. We figure one major medical emergency that left one of us unable to work for a few months, would be enough to do it.
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Yeah, my husband's entire paycheck and a tiny bit of mine goes to pay for daycare each month. Then half of mine goes to the mortgage, and the other half to bills and basically food and kids clothes. We burned through our savings doing daycare for the first for the first year (people are not kidding, BEFORE YOU WANT TO BE PREGNANT GO GET ON THE FUCKING WAITING LIST) since we ended up at one of the most expensive ones as all the "cheap" ones had five year waiting lists, and when we realized we wanted another one we started cutting things out hardcore and throwing money into savings. As a result, we have like, zero savings right now, which is the worst. And I am kind of dragging my feet on my PhD so that I don't have to start making student loan payments this year
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Starting a new job, no paycheck for 3 weeks, got things balanced just on the razor's edge of 'if anything at all happens, we're well and truly fucked but ok unless something happens' until my paychecks start coming in...
My partners paycheck gets fucked because HR didn't change her direct deposit information, and is on some thing about how they have to wait for verification? Bitch please, if the bank account isn't there, the bank wouldn't accept the transfer, and you'd know it instantly.
Give.
Us.
Our.
Money.
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Another Ph.D student (ABD candidate) checking in. Let us talk about the lovely Ph.D stipend of $16k/year, the expectation of teaching two courses and writing a dissertation, the classes that start teaching at 8:45 AM in the snow, the utter lack of useful health insurance, the fact that you are "forbidden" (supposedly) from taking other jobs during the summers...
At $16k.
"But you get summers off and a whole month and a half of winter break!"
That's not a fair trade. And no, we don't really.
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ABD 4 life!
...hopefully not really
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Wow hearing about childcare cost make me very glad I have never wanted children and through the grace of God and contraception have been lucky enough to avoid them.
Edit: Changed health to child as intended, sadly health cost don't require parenthood.
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$320 for 30 of my migraine pills. This is with insurance.
Bleaaargh.
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@quinn You just wait.
(3 years as ABD this spring. IthinkIcanIthinkIcan. PS I hate my committee. More hoops!) -
@fortydeuce You just reminded me I need to renew my library books. Again. And yeah, it's amazing how my committee went from "we want to get you through this as fast as possible!" To "let me nitpick this to death and suggest something to push you back a year, that's cool right? Cool."
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@fortydeuce I'm at 6 years ABD! Also, 2 of 5 of my committee passed away, so I'd pretty much have to start over at this point, and that ain't happening. I make too much in industry to go back to that.
I have a playlist: http://musoapbox.net/topic/91/tributary-s-playlist
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@tributary Holy shit! I only just passed quals in September, but I was hoping to be further along than I am right now due to life/work being crazy. Everyone I know of that's ever done a PhD laughs at me when I say that, though. I'm currently racing another guy in my cohort to see who finishes first. He doesn't have any kids and he's like 24, so that bastard is probably going to win. But, it's a good way to get me to haul out that prospectus every so often.
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@Quinn Life and work are going to be like that. A PhD always takes longer than you think it should. Always. And then 40% of your elderly committee dies, and two of the three remaining won't talk to the third, and you get a job in industry and start thinking, "Maybe I don't need a PhD for my career..."
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Facebook fundraising tools that want you to put in your checking account routing number rather than just working with PayPal, thereby causing me to cancel out the whole thing when we already had $500 raised in a day. People better be getting their fucking refunds like the interface claimed they would.
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@Sparks Fuuuuuuuck thaaaaat nooooooise. What do you take, out of curiosity?
Luckily, my copay is only $8 for my migraine medication but annoyance is: I only get 12 shots per month. They are autoinjectors which .. I get that most people prefer not to have to deal with handling a needle, especially not in the midst of a migraine, but jeez: GIVE ME THE CONTROL. Because these autoinjectors are fucking crappy and don't fire a lot of the time. Like tonight. I had to go through /five/ shots before I got one that actually fired.
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@sockmonkey said in Real World Peeves, Disgruntlement, and Irks.:
@Sparks Fuuuuuuuck thaaaaat nooooooise. What do you take, out of curiosity?
Ergotamine. Technically it's not a migraine medication; it's for cluster headaches.
(Plus side, they diagnosed that my headaches aren't solely migraines; this stuff works much better than most things I've been on.)
Luckily, my copay is only $8 for my migraine medication but annoyance is: I only get 12 shots per month. They are autoinjectors which .. I get that most people prefer not to have to deal with handling a needle, especially not in the midst of a migraine, but jeez: GIVE ME THE CONTROL. Because these autoinjectors are fucking crappy and don't fire a lot of the time. Like tonight. I had to go through /five/ shots before I got one that actually fired.
Oh, yeah, I loved that kind of shenanigan. When I was on naratriptan, they'd give me three pills per month—and prescribe 'take one at onset of attack, and a second if attack continues'. Three pills.
The math just didn't quite work there.
a.k.a. Packetdancer (or "Pax" for short)
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@sparks said in Real World Peeves, Disgruntlement, and Irks.:
When I was on naratriptan, they'd give me three pills per month—and prescribe 'take one at onset of attack, and a second if attack continues'. Three pills.
The math just didn't quite work there.
I wish I could say I am surprised buuuuut...
UGH.
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Ha, that was like after I had my c-section and they gave me oxy. Instructions said something like take 3 a day for 3 weeks. They gave me 12 pills. Thankfully, I actually got by on just advil and only ever took like two of them, but come on, guys. Did no one read the label?
