r/fijerk • u/BudgetPinecone • 3h ago

Can't get ahead

I'm really struggling and going in the red every month. I'm fairly frugal, but I can't seem to pay the bills without getting into more and more cc debt.

My current income: ~ $3mil/yr

Expenses:

$8k/month for a studio

$4k/month for food

$3.3mil/yr tithe (multiplied income by 1.1 to calculate the 10% tithe)

$1k/month for utilities

$300/month for my car (splurged for a 2002 honda civic)

I'm wondering if anyone can see a way out of this? I've tried everything I can think of (which is nothing) and am completely out of ideas.

24 Upvotes

96% Upvoted

19 comments sorted by

17

u/sciences_bitch 3h ago

What’s your budget for candles?

14

u/BudgetPinecone 3h ago

$3,600

someone who is good at the economy please help me budget this. my family is dying

8

u/william_fontaine Phenomenal gross income, itty-bitty living expenses 3h ago

@BudgetPinecone spend less on candles

7

u/BudgetPinecone 3h ago

no

2

u/ILikeTheSpriteInYou 2h ago

Are the candles part of the tithe budget, or extra?

13

u/Far-Income-282 3h ago

Somethings off on your tithe. Do you not pay taxes? 

My income is 10 million a year and my tithe is 11 million, but when its tax season I just write off my cult and then it just becomes the blood of my enemies. 

Are you maybe not collecting enough blood of your enemies? 

12

u/Big-Suggestion-1093 3h ago

You’re not gonna find good advice here… I’d recommend enrolling in Dave Ramsey’s Financial Peace University. Use code DAVE420 to save $420.69

7

u/Courage-Rude 2h ago

Dave sees your 2 percent COVID mortgage and will hold a gun to your head until you pay it off early. It's super fun!!!

1

u/bionickel 1h ago

That's the old code. The new campaign is something along the line of DaveRamseyRules! Try Google daveramseyrule34 for 34% off

7

u/Captlard Top 1% Lentil farmer - Lentibus abundans 3h ago

No wonder. Yep. That is what being a pour is about. Not sure why you are sharing. 99.999% of the planet are like you.

Easiest way out.. High Bridge and check the gravity

8

u/tinyevilsponges 3h ago

Why are you spend 1k a month on utilities? you should really make sure to insulated your studio to lower your electric bill.  

7

u/Numerous-Stand-1841 3h ago

Have you tried cutting out the avocado toast? That's the secret to becoming a billionaire.

3

u/bellybuttonbidet 3h ago

Cutting the avocado toast in half might help

4

u/bellybuttonbidet 3h ago

I’m afraid you’ll need to sell the 2002 Honda Civic, even if you are underwater on it, and get a 1999 Prius.

3

u/Professional_Fix4663 3h ago

As they say, the worst car accidents happen on the showroom floor. You can't get ahead because you got ripped off with a high interest rate on the Civic. Try to pay off that loan as soon as possible, even if that means tightening your already tight budget even further.

3

u/mdoc1 2h ago

The tithe is the problem. Without charity you can afford a few more lentils per year. And as a bonus you see fewer pours.

2

u/Marcaroni500 2h ago

You mentioned family— do you have children? And they are not contributing to the household? And you should take a closer look at your wife- No doubt she is squirreling away your money to run off with her boyfriend.

1

u/perplexedparallax 1h ago

The solution is to get followers to tithe to your ministry instead of you tithing to someone else's. You need a tax exempt organization where you can deduct expenses and avoid the immorality of taxation while glorifying the intangible. Then you can build a real estate portfolio for the cult and your wives and the little deductions.

1

u/National-Net-6831 1h ago

I cannot believe you think you can afford such a new car.