How would not getting paid work for you?
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My brother works for the VA and he's fine.
He lives like a bum and hates spending money.... unless it buying guns and ammo. He has more guns stockpiled than your local National Guard base.
He lives like a bum and hates spending money.... unless it buying guns and ammo. He has more guns stockpiled than your local National Guard base.
Originally Posted by eljefino
Originally Posted by CT8
The government employees will eventually get their pay.
But how do you work that? What if you have $1500 in checking, a monthly salary of $4000, and expenses of $3500, $1500 of which are fixed loans (mortgage and car)? Then you have $2000 you can put on a credit card with a $100 minimum payment, but you decide to pay the car note two weeks late on hopes that the government will be reopen by then, and you pay the minimum on your credit card wtih the money left over.
Then the shutdown drags on and your house of cards collapses.
Or you try to take out an emergency loan from your government retirement account, but the guy that processes that is on layoff too.
It's just a mess, and unprofessional.
Boo hoo !!! I have been laid off of work and you learn to survive. If you can't figure it out too bad so sad..Never live beyond your means.
Originally Posted by CT8
The government employees will eventually get their pay.
But how do you work that? What if you have $1500 in checking, a monthly salary of $4000, and expenses of $3500, $1500 of which are fixed loans (mortgage and car)? Then you have $2000 you can put on a credit card with a $100 minimum payment, but you decide to pay the car note two weeks late on hopes that the government will be reopen by then, and you pay the minimum on your credit card wtih the money left over.
Then the shutdown drags on and your house of cards collapses.
Or you try to take out an emergency loan from your government retirement account, but the guy that processes that is on layoff too.
It's just a mess, and unprofessional.
Boo hoo !!! I have been laid off of work and you learn to survive. If you can't figure it out too bad so sad..Never live beyond your means.
I have contingency savings in place that I roll into longer term savings as the amount gets too high that is liquid or easily cashed in sort of thing. So I would say I could last a couple of years without touching retirement savings. I had to actually use this when we had bought our first house and I hurt my back shortly thereafter. Although I was getting paid by insurance during that time it was substantially less than earnings at the time and I had things like the new mortgage and car payments to keep up with on 40% of my usual salary.
I'm a federal employee. I've been furloughed all but two days when I went in to work last week.
I'm 36 and have been a federal employee for 10 years. I've worked past shutdowns, but I volunteered for furlough this time because my wife had surgery right after Christmas and I wasn't going to be working anyway. It's basically turned into a three+ week vacation that I'll end up getting paid for. Our finances are fine and we could go a while if necessary. Everyone has a point where the situation starts to get uncomfortable or uneasy. Luckily, I'm not anywhere near that point yet, but I know a lot of other people aren't as fortunate.
My wife is a stay at home mom and we have two little boys, so I've really just been enjoying the time home with them. I've also gotten a few things done around the house, which is nice.
I'm 36 and have been a federal employee for 10 years. I've worked past shutdowns, but I volunteered for furlough this time because my wife had surgery right after Christmas and I wasn't going to be working anyway. It's basically turned into a three+ week vacation that I'll end up getting paid for. Our finances are fine and we could go a while if necessary. Everyone has a point where the situation starts to get uncomfortable or uneasy. Luckily, I'm not anywhere near that point yet, but I know a lot of other people aren't as fortunate.
My wife is a stay at home mom and we have two little boys, so I've really just been enjoying the time home with them. I've also gotten a few things done around the house, which is nice.
If you're in a position where missing one or two paychecks, or even up to half a year of no paycheck is a problem, I would suggest you reevaluate your budget, and wants vs needs.
I know people that spend every dime they make on the latest phone, video games, satellite TV, restaurants, sporting events, concerts, the latest designer fashions in clothes, a car they can't afford without dragging payments out for 84 months, etc, etc, etc. Meanwhile, they have no savings for when the unforeseen happens...
I know people that spend every dime they make on the latest phone, video games, satellite TV, restaurants, sporting events, concerts, the latest designer fashions in clothes, a car they can't afford without dragging payments out for 84 months, etc, etc, etc. Meanwhile, they have no savings for when the unforeseen happens...
JTK
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It wouldn't work very long for me. Four kids, family of six with me being the only earner. I could dip into retirement. I've been fortunate to have never had to.
Originally Posted by Mr Nice
My brother works for the VA and he's fine.
He lives like a bum and hates spending money.... unless it buying guns and ammo. He has more guns stockpiled than your local National Guard base.
That is how it should be.
My brother works for the VA and he's fine.
He lives like a bum and hates spending money.... unless it buying guns and ammo. He has more guns stockpiled than your local National Guard base.
That is how it should be.
Originally Posted by StevieC
I have contingency savings in place that I roll into longer term savings as the amount gets too high that is liquid or easily cashed in sort of thing. So I would say I could last a couple of years without touching retirement savings. I had to actually use this when we had bought our first house and I hurt my back shortly thereafter. Although I was getting paid by insurance during that time it was substantially less than earnings at the time and I had things like the new mortgage and car payments to keep up with on 40% of my usual salary.
Yeah, this is the conversation I never have with people. Usually they're moaning and groaning about how they can barely afford something and then sometimes I'm thinking that I have a few extra thousands in the checking account, wonder where I should stick it to invest. So I keep my mouth shut. Just heard two strangers talking today, the guy was moaning about how he'd like to do stuff but his bank account is too low.
I have contingency savings in place that I roll into longer term savings as the amount gets too high that is liquid or easily cashed in sort of thing. So I would say I could last a couple of years without touching retirement savings. I had to actually use this when we had bought our first house and I hurt my back shortly thereafter. Although I was getting paid by insurance during that time it was substantially less than earnings at the time and I had things like the new mortgage and car payments to keep up with on 40% of my usual salary.
Yeah, this is the conversation I never have with people. Usually they're moaning and groaning about how they can barely afford something and then sometimes I'm thinking that I have a few extra thousands in the checking account, wonder where I should stick it to invest. So I keep my mouth shut. Just heard two strangers talking today, the guy was moaning about how he'd like to do stuff but his bank account is too low.
JHZR2
Staff member
Originally Posted by SubieRubyRoo
fdcg, I get your point, but here's mine: While intending no disrespect towards those employed by the government, other than the military which is obviously an essential part of the budget, there are nearly 2 million civilian federal employees. They do not by definition add any value to the country's economy. They consume the wealth generation of the working people, and a majority of those government positions are simply to collect even more revenue from the workers. This is not political, but simple fact.
While I think a shutdown is a crappy way to do business, I also support paring down the federal agencies and their payrolls. The paychecks and benefits are simply gravy compared to the private sector, and all of that money comes from the people with non-governmental paychecks.
Do tell how the military would operate without the backing support of a ton of Civilians? Your statements are both so correct and so uninformed that its just funny. There are many requisite roles of the Government that justify a workforce, notionally leaner and more efficient than it is now, and that wont change without a signinficantly more backwards existence than we have now. That too is not political, just fact.
Originally Posted by eljefino
But how do you work that? What if you have $1500 in checking, a monthly salary of $4000, and expenses of $3500, $1500 of which are fixed loans (mortgage and car)? Then you have $2000 you can put on a credit card with a $100 minimum payment, but you decide to pay the car note two weeks late on hopes that the government will be reopen by then, and you pay the minimum on your credit card wtih the money left over.
Then the shutdown drags on and your house of cards collapses.
Or you try to take out an emergency loan from your government retirement account, but the guy that processes that is on layoff too.
It's just a mess, and unprofessional.
I cant say I have a ton of sorrow for those who keep too flimsy a house of cards. 3-6 months of expenses is common sense. I get it that some young kids with tons of loans might be in a stretch, but an emergency fund should take priority before the iphone, if someone doenst have it. Last I checked, $3500 of expenses out of $4000 per month means that people should have been saving $500/month. While saving for retirement is critical, it doesnt take precedence to having a reasonable and realistic emergency fund.
I find it funny how people try to play the sorrow card for Federal workers, when most anyone else could be laid off in an instant, and may or may not have a severance. The notional "job security" in the Government is not an excuse to plan inappropriately in the financial department. Do we care so much when other industries see major layoffs or offshoring? When we buy made in China junk to save a dime, do we care about the person whose job was offshored and who is now not getting a paycheck and forced to think how their bills are met?
I frankly dislike the pawning of Federal Workers, which means both the stupidity of a shutdown, but then the fake sorrow that they arent getting a paycheck. Fiscal responsibility is for everyone.
fdcg, I get your point, but here's mine: While intending no disrespect towards those employed by the government, other than the military which is obviously an essential part of the budget, there are nearly 2 million civilian federal employees. They do not by definition add any value to the country's economy. They consume the wealth generation of the working people, and a majority of those government positions are simply to collect even more revenue from the workers. This is not political, but simple fact.
While I think a shutdown is a crappy way to do business, I also support paring down the federal agencies and their payrolls. The paychecks and benefits are simply gravy compared to the private sector, and all of that money comes from the people with non-governmental paychecks.
Do tell how the military would operate without the backing support of a ton of Civilians? Your statements are both so correct and so uninformed that its just funny. There are many requisite roles of the Government that justify a workforce, notionally leaner and more efficient than it is now, and that wont change without a signinficantly more backwards existence than we have now. That too is not political, just fact.
Originally Posted by eljefino
But how do you work that? What if you have $1500 in checking, a monthly salary of $4000, and expenses of $3500, $1500 of which are fixed loans (mortgage and car)? Then you have $2000 you can put on a credit card with a $100 minimum payment, but you decide to pay the car note two weeks late on hopes that the government will be reopen by then, and you pay the minimum on your credit card wtih the money left over.
Then the shutdown drags on and your house of cards collapses.
Or you try to take out an emergency loan from your government retirement account, but the guy that processes that is on layoff too.
It's just a mess, and unprofessional.
I cant say I have a ton of sorrow for those who keep too flimsy a house of cards. 3-6 months of expenses is common sense. I get it that some young kids with tons of loans might be in a stretch, but an emergency fund should take priority before the iphone, if someone doenst have it. Last I checked, $3500 of expenses out of $4000 per month means that people should have been saving $500/month. While saving for retirement is critical, it doesnt take precedence to having a reasonable and realistic emergency fund.
I find it funny how people try to play the sorrow card for Federal workers, when most anyone else could be laid off in an instant, and may or may not have a severance. The notional "job security" in the Government is not an excuse to plan inappropriately in the financial department. Do we care so much when other industries see major layoffs or offshoring? When we buy made in China junk to save a dime, do we care about the person whose job was offshored and who is now not getting a paycheck and forced to think how their bills are met?
I frankly dislike the pawning of Federal Workers, which means both the stupidity of a shutdown, but then the fake sorrow that they arent getting a paycheck. Fiscal responsibility is for everyone.
I have read many govt employees that say they took a govt job over a higher paying civilian job due to job security. Look where it got them.
While I don't have the savings I would like (and not counting investments and retirement funds), I could get by for several months if laid off (could have been almost a year, but a big chunk of my savings was just spent on my wifes car. it was more than I should have, but should last me till retirement).
While I don't have the savings I would like (and not counting investments and retirement funds), I could get by for several months if laid off (could have been almost a year, but a big chunk of my savings was just spent on my wifes car. it was more than I should have, but should last me till retirement).
Originally Posted by cpayne5
I'm a federal employee.. It's basically turned into a three+ week vacation that I'll end up getting paid for.
Right, they get paid retroactively just as in all past shutdowns.
https://www.washingtonpost.com/poli...noredirect=on&utm_term=.168a3bba2415
I'm a federal employee.. It's basically turned into a three+ week vacation that I'll end up getting paid for.
Right, they get paid retroactively just as in all past shutdowns.
https://www.washingtonpost.com/poli...noredirect=on&utm_term=.168a3bba2415
This is essentialy paid time off. The conservative side of me says this a poor way to do business. As to the politicians continuing to be paid the disconnect with reality by us voters is the direct cause.
I have neighbors where both the hus and wife are federal employees. They are spending this time leisurely. However, they both live very modestly and within their means.
The tenured career high rank federal employees who are still living paycheck to paycheck probably need to slow it down and figure out what's going on. Maybe too much keeping up with the Joneses?
The tenured career high rank federal employees who are still living paycheck to paycheck probably need to slow it down and figure out what's going on. Maybe too much keeping up with the Joneses?
Originally Posted by bullwinkle
As long as I knew I was going to get paid eventually, I would be OK with it. Not going to happen for years, though-I'm not breaking up & spoiling my retirement investments to do it-I would be getting another job. It always amazes me how people live paycheck-to-paycheck, I wouldn't be able to sleep at night without a rainy day nest egg.
It's more common than you think with government workers. Their pension is their nest egg and they spend what is left after bills. These are the people running the government and educating the children.
As long as I knew I was going to get paid eventually, I would be OK with it. Not going to happen for years, though-I'm not breaking up & spoiling my retirement investments to do it-I would be getting another job. It always amazes me how people live paycheck-to-paycheck, I wouldn't be able to sleep at night without a rainy day nest egg.
It's more common than you think with government workers. Their pension is their nest egg and they spend what is left after bills. These are the people running the government and educating the children.
Sucks and we're being used as pawns for a stupid wall that's not going to work. Mexican drug and human traffickers hides what they're smuggling in commercial vehicles making deliveries to the USA. They also have tunnels and several tunnels ended in a warehouse in San Ysidro.
4WD
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You know what ? It's starting to look like our moderators are Ok with certain POLITICAL statements but not others.
This thread should have been closed yesterday …
This thread should have been closed yesterday …
4WD
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So you know more about it than SC Raul Ortiz
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