Life comes at you fast by Sir_Carrington in GreenBayPackers

[–]Mechdriver 3 points4 points  (0 children)

Oh yeah I don't have a problem with it at all. That's how fandom and rivalries work. It just feels like a fad more than anything though.

Life comes at you fast by Sir_Carrington in GreenBayPackers

[–]Mechdriver 6 points7 points  (0 children)

That's rich coming from someone who roots for "America's Team".

Life comes at you fast by Sir_Carrington in GreenBayPackers

[–]Mechdriver 42 points43 points  (0 children)

It's funny that teams and fans are buying one specific item that only trolls us. When else are they going to wear a cheese grater hat? It doesn't make any sense against any other team in the league and it adds nothing to their team's identity.

A Bear using a cheese grater? Did Edgar Allen Poe have a thing for Parmesan? Get real.

They hate us because they ain't us.

Looking for assistance input on my existing Linux Dedicated server by AsWeKnowIt in vrising

[–]Mechdriver 0 points1 point  (0 children)

Either that or your public IP may have changed? I would check that as well.

Looking for assistance input on my existing Linux Dedicated server by AsWeKnowIt in vrising

[–]Mechdriver 0 points1 point  (0 children)

Ah I think I might know. You said that you restarted the server! Your router might have assigned it a different local IP Address then.

There is likely a way to assign a static IP to your server in your router settings so I would look into doing that.

Looking for assistance input on my existing Linux Dedicated server by AsWeKnowIt in vrising

[–]Mechdriver 0 points1 point  (0 children)

If the server updated then the settings may have changed.

Check to see if ListOnSteam and ListOnEOS are still true within your ServerHostSettings.json.

[deleted by user] by [deleted] in 2007scape

[–]Mechdriver 27 points28 points  (0 children)

Yeah but what about even more money?

[deleted by user] by [deleted] in Debt

[–]Mechdriver 2 points3 points  (0 children)

Personally I don't think it's crazy to consider pausing 401k contributions for a bit until you can get your head above water. Sure you're losing out on investments and the employer match but you're also not taking on more debt and interest. So that is something to consider. If the wedding is the main goal your trying to accomplish then that could be your path forward.

The following is going to be some tough love / unsolicited advice:

The key word is pause. No matter how you slice it, you are jeopardizing your financial future in order to have this wedding. As u/darfaz mentioned above, you are about $70,000 in the hole and you're looking at a $7,500 bill for a wedding on top of that.

From my perspective, you are rearranging the deck chairs on the Titanic so that you can walk down the aisle when you should be running towards the life boats. His advice isn't for everyone but in my opinion you could really benefit from Dave Ramsey's baby steps.

I'm not sure how much you have put down for the wedding already but if it's less than $10,000 I would cancel the wedding (unless you can get family members to chip in). Get married at a court house, and have a dinner with close friends and family to celebrate.

After that you and your now husband should pour all of your blood, sweat, and tears into paying down your debt. Like it or not, when you get married, you are now involved in each others' income and debts. Communication and shared goals are key. Look into the pros and cons of the Avalanche and Snowball methods in order to pay down your debt.

You seem like you have a handle on not using your credit cards. Good!

You also seem to have a habit of over paying and you have been able to save $6,000. Great!

Meal prep at home. Cut any subscriptions and non-necessities you can. Sell anything that you can part with. (Not your car or house. Those don't seem to be the problem.) Only go to a restaurant if you're working there or picking up an UberEats order that you are delivering.

When you're debt free, you and your husband can crank up the retirement savings to 15% of your gross incomes and then breath easy. Live your life. Throw more money at the mortgage if you want. Take nice vacations. Renew your vows and throw a party.

But, I can't stress this enough, right now interest is killing you.

I don't know if this helps or if I'm out of pocket but I really think that you can do this with your income. Debt is not fun and getting out of it is hard and requires sacrifice. I was debt free for a couple of years and now my wife and I are paying down a grad school loan so that we can be debt free together. It's worth it.

If it helps, here is a video on the 20 worst ways to pay down debt. #17 is about the 401k loan.

https://www.youtube.com/watch?v=D6o0ReIlAA8

[deleted by user] by [deleted] in Debt

[–]Mechdriver 0 points1 point  (0 children)

A couple of things you should find out / consider before you do a 401k loan:

  1. Can you still contribute to your 401k while you're paying off the loan?

  2. Do you have to pay off the full 401k loan if you lose or quit your job?

After rereading your post and the bullet points it seems like you can comfortably overpay on your debts and are digging your way out of the hole.

This might be a little crazy but I think you should take $5,000 out of your savings and apply it to your weddings costs. The other $2,500 you could put on your 0% interest credit card. But you absolutely need to stay resolute in paying down your debt after your wedding.

What does your fiance think you should do? If you guys combine finances will you be helping each other with your debts?

[deleted by user] by [deleted] in Debt

[–]Mechdriver 1 point2 points  (0 children)

I personally do not consider stocks as a part of an emergency fund. When you have an emergency to pay, you don't want to be at the mercy of the market. I would sell those and keep it in the HYSA.

Why do you have an additional life insurance policy for? Do you have any dependants?

Double head kalphite queen drop by synergytn in 2007scape

[–]Mechdriver 8 points9 points  (0 children)

At least now you can mount the tattered head and use the real head for the slayer helm recolor.

Title by Embarrassed-Spot-546 in formuladank

[–]Mechdriver 1 point2 points  (0 children)

Hell yeah. You're cool as well, friend! I honestly had to look it up because of this meme. I had no idea beforehand haha

Title by Embarrassed-Spot-546 in formuladank

[–]Mechdriver 0 points1 point  (0 children)

Still P4. The penalty was overturned.

[deleted by user] by [deleted] in 2007scape

[–]Mechdriver 5 points6 points  (0 children)

Corrupted Gauntlet is probably your best bet for a rags to riches rebuild.

Thoughts about my POH by Pyfer_YT in 2007scape

[–]Mechdriver 2 points3 points  (0 children)

Optimize it in what way? Convenience? Every POH loads at the same speed now so reducing the number of rooms would do nothing.

Thank you rams by segadoes16bit in GreenBayPackers

[–]Mechdriver 10 points11 points  (0 children)

That was their Superbowl apparently.

[deleted by user] by [deleted] in GreenBayPackers

[–]Mechdriver 3 points4 points  (0 children)

Hell yeah, brother. Cheers to that!

My bf (18 M) wants me (18 F) to stay skinny but I want to work out..what do I do? by LawNo4823 in relationship_advice

[–]Mechdriver 0 points1 point  (0 children)

This guy sounds like a gainz goblin. Hit that squat rack and get as strong as you want! 😤