Would you rather live in a *sweet* pad OR have more disposable income? - GoFuckYourself.com

andrew1009 · 10-07-2010, 07:18 PM

I know, I know, everyone on GFY is a millionaire. Some of us have to choose between one thing or another though...

Well I'm moving to a new city soon and have it narrowed down to a a few places. Basically I'm trying to decide if I want to spend the money on an awesome place to live (having a pool, gym, and super nice and big living space) OR drastically cut down my mandatory expense by living in an "ok" place and having a ton more cash to spend on other stuff, entertainment, travel etc.

WWGFYD?

uno · 10-07-2010, 07:20 PM

I'd rather have more play money. You can always deck out a smaller pad.

Nicky · 10-07-2010, 07:27 PM

This depends on the numbers. Gym and swimming you can do at another place than your crib. A jacuzzi is nice though, I'm thinking of getting one, awesome for after-parties.

woj · 10-07-2010, 07:28 PM

more dough... nice place is fun and all, but it's just pissing $$ away...

Spunky · 10-07-2010, 07:31 PM

You're a slave to your mortgage or home..I'd rather have fun and have mo money to play with and have investments

Linguist · 10-07-2010, 07:34 PM

I've discovered that at the end of the day no one really gives a shit what kind of place you live in (unless its a dump or a super pimped out pad. pool & gym in a condo dont qualify as pimped out).

Weirdly enough I pulled in more tail living in a shared loft situation than a 2br fancy condo all to myself....

My philosophy has been, no more than 25% of net income for a rental place (i'm paying ~15% right now). I went for a pretty expensive rental place a few years back... was way more than I needed and it was too draining on the finances. I'd much rather have more cash in the pocket/to play/invest/take dance yoga etc classes than live in a more expensive place.

Tempest · 10-07-2010, 07:44 PM

Young people typically want flashy things... When you get older, usually, you just want the cash.

wild johnny · 10-07-2010, 07:57 PM

Make the ok place nice and enjoy the freedom the extra $$ gives you.

You will be glad you did.

Fenris Wolf · 10-07-2010, 08:02 PM

Cut down expenses and reinvest the difference.

DaddyHalbucks · 10-07-2010, 08:14 PM

I'd rather have money to invest.

Your wife may have a different opinion.

Shedevils · 10-07-2010, 11:18 PM

More money to put away. I'd live in a box if it meant more capital.

Socks · 10-07-2010, 11:25 PM

A swing ain't that important when the park's around the corner... - De La Soul

epitome · 10-07-2010, 11:26 PM

We have a house that drains us. We use 30% of the rooms.

We're moving to South Beach early next year. We will be getting a tiny two bedroom apartment near the beach.

Save your money and use it to enjoy life. Spend too much on your house and you'll spend more time there than you want because you won't be able to do afford anything else.

Please, please, please trust me.

xNetworx · 10-08-2010, 12:19 AM

Travel > Crib

martinsc · 10-08-2010, 12:30 AM

Jarmusch · 10-08-2010, 12:36 AM

Someone who goes for the sweet pad does so to impress/get approval of others, and cares too much about what people think.

baddog · 10-08-2010, 12:40 AM

Quote:

Originally Posted by pimpporn

Travel > Crib

DWB · 10-08-2010, 01:06 AM

Have a comfortable place to live, but unless you plan to spend the rest of your life there and raise a family, focus on disposable income.

sexdatesj · 10-08-2010, 09:43 AM

would like both

Imortyl Pussycat · 10-08-2010, 10:03 AM

Quote:

Originally Posted by woj

more dough... nice place is fun and all, but it's just pissing $$ away...

my sentiments exactly

MaDalton · 10-08-2010, 10:22 AM

i used to live in a house that didn't get renovated since 1945 and my "apartment" still had coal heating. but i had my own toilet, unlike some other apartments who had a shared toilet on the staircase...

so yes, i'd prefer the disposable income - lol

minicivan · 10-08-2010, 10:24 AM

This is generally a question of maturity.

chronig · 10-08-2010, 10:25 AM

You need both, just one or the other isn't fulfilling enough, I've been in both (singular) situations...

O MARINA · 10-08-2010, 10:30 AM

Quote:

Originally Posted by MaDalton

but i had my own toilet, unlike some other apartments who had a shared toilet on the staircase...

I LOL'ed with you not at you

klinton · 10-08-2010, 10:30 AM

cash and house withoout bedbugs is optimal solution

Kenny B! · 10-08-2010, 10:32 AM

If it's a rental then save your money, if it's a purchase then that's a different story.

From experience what is expensive now seems reasonable a few years from now, if you need to stretch just a little bit to get your dream house then do it and work that much harder. You need to be rewarded in life for your hard work, can't take it with you.

ottopottomouse · 10-08-2010, 10:53 AM

Disposable income.

datatank · 10-08-2010, 11:29 AM

I prefer a nice place. I spend to much time at home

CaptainHowdy · 10-08-2010, 11:30 AM

Peace of mind...

candyflip · 10-08-2010, 11:37 AM

Mo' money. I've got kids.

fuzebox · 10-08-2010, 11:39 AM

I used to spend a huge chunk of my income on my apartment... Nowadays I like keeping my overhead and monthly expenses low.

Back then I justified it because I worked out of home and "deserved" nice surroundings... Tough call actually.

Bryan G · 10-08-2010, 11:45 AM

When I bought my house my number 1 concern was to make sure I was not house poor. So instead of buying a 5,000sq house I got something smaller so I would have some disposable money as well. Renting is retarded you are just pissing away money month after month. I was renting for 8 years before I bought and when i calculated what I was spending it was enough to make you sick. However, different strokes for different folks.

mynameisjim · 10-08-2010, 11:48 AM

If the neighborhoods are both good, then I would go with the smaller place if you have a budget.

But I would always spend more to live in a nice area. In a really nice area, you can live in a tiny place and still be happy.

xxweekxx · 10-08-2010, 11:51 AM

ive been thinking about it lately.. my place is pimped out.. not so big but its a luxury high rise.. the difference between this and a "regular" downtown place is like $1k a month so i dont really mind..,,

the place has 24hr concierge.. pool.. jaccuzi.. hot tub.. view of the bay.. party room.. bbq.. etc.. so its a nice place.. but it is expensive and i keep thinking i shouldnt be paying this much for somewhere to live.lol

but having a nice spot does make me wake up in the morning and dont feel so bad about spending all my time in front of a computer.. plus im settled here, tons of furniture, pictures, etc.. too late to move now.. haha

but id make sure my rent isnt more than 30% of monthly income.. mine isnt so its ok i guess.. plus i have no car note since my car has been paid off forever.. so apart from my rent, the next highest bill is crap like electricity, cable, etc

Voodoo · 10-08-2010, 11:51 AM

There's no such thing as "disposable income", there's only idiots that don't know how to manage money and make it grow.

Elli · 10-08-2010, 11:58 AM

I just downsized a bit but upsized, too. We went from a house with a yard (huge rooms but lots of wasted space, lots of yard maintenance, house needed work) to a townhouse with a little yard (more rooms, better layout, no yard work other than my flowers). AND it's $500 a month cheaper than the house. Honestly I feel much more 'free' now. That's $500 a month I can put into savings and I don't have any worries about structural maintenance.

JenniDahling · 10-08-2010, 12:41 PM

Extra cash is always better, I'm a believer of the philosophy of the book "The Millionaire Next Door"

CaptainHowdy · 10-08-2010, 12:43 PM

Quote:

Originally Posted by JenniDahling

I'm a believer of the philosophy of the book "The Millionaire Next Door"

What an awfully obscure sentence!

"Commerce" has nothing to do with "tought"...

SleazyDream · 10-08-2010, 01:34 PM

money money money

Vendzilla · 10-08-2010, 01:42 PM

Use to be get the house, now you're lucky if you don't owe more than the house is worth

datatank · 10-08-2010, 01:43 PM

I should add my current mortage is less than 15% of my income.

O MARINA · 10-08-2010, 01:44 PM

Quote:

Originally Posted by SleazyDream

money money money

always sunny in a rich man's world?

Honez · 10-08-2010, 01:48 PM

Quote:

Originally Posted by uno

I'd rather have more play money. You can always deck out a smaller pad.

Agreed

The Porn Nerd · 10-08-2010, 01:52 PM

Mo money

Mo money

Mo money

HomerSimpson · 10-08-2010, 03:46 PM

with money you can travel, stay at hotels, fuck whores and escorts, drinks, drugs, alcohol...

and in big house you can like cook, go to gym, clean pool, take care of lawn...
lots of shitty stuff to work on...

Sarah_Jayne · 10-08-2010, 04:48 PM

Money..if I had more of it I would barely be home so there would be no point to the 'pad'.

Trend · 10-08-2010, 06:50 PM

Money to invest. I truly wish I could go back 10 years. I would have saved all but what was absolutely needed for living modestly.

Jon Oso · 10-08-2010, 09:17 PM

I was thinking of going from my two bedroom condo to a 1 bedroom apartment somewhere but then I realized I'm only paying a couple hundred dollars more a month for my place, and even though I don't really NEED the extra room that extra money is worth having a garage to me.

I don't spend money on anything anyways so it doesn't matter to me. When I have a family though I will make sure there is plenty of space.

Doctor Feelgood · 10-08-2010, 09:32 PM

the better looking your stuff, the more times it will get stolen.

i will vote: Mo money

Loch · 10-08-2010, 10:29 PM

You forgot to put "both" in the selection

View Poll Results: Would you rather live in a sweet pad OR live in an OK place and have mmore disposable income?
Sweet Pad	11	15.94%
Mo' Money	58	84.06%
Voters: 69. You may not vote on this poll

10-07-2010, 07:18 PM	#1
andrew1009 Confirmed User Join Date: Jul 2002 Posts: 801	*Would you rather live in a sweet* pad OR have more disposable income?** I know, I know, everyone on GFY is a millionaire. Some of us have to choose between one thing or another though... Well I'm moving to a new city soon and have it narrowed down to a a few places. Basically I'm trying to decide if I want to spend the money on an awesome place to live (having a pool, gym, and super nice and big living space) OR drastically cut down my mandatory expense by living in an "ok" place and having a ton more cash to spend on other stuff, entertainment, travel etc. WWGFYD?

10-07-2010, 07:20 PM	#2
uno RIP Dodger. BEST.CAT.EVER Industry Role: Join Date: Dec 2002 Location: NYC Area Posts: 18,450	I'd rather have more play money. You can always deck out a smaller pad. __________________ -uno icq: 111-914 CrazyBabe.com - porn art MojoHost - For all your hosting needs, present and future. Tell them I sent ya!

10-07-2010, 07:27 PM	#3
Nicky Judge Jury and Executioner Industry Role: Join Date: Mar 2003 Location: Sweden Posts: 30,069	This depends on the numbers. Gym and swimming you can do at another place than your crib. A jacuzzi is nice though, I'm thinking of getting one, awesome for after-parties. __________________ gfynicky @ gmail.com

10-07-2010, 07:28 PM	#4
woj <&(©¿©)&> Industry Role: Join Date: Jul 2002 Location: Chicago Posts: 47,882	more dough... nice place is fun and all, but it's just pissing $$ away... __________________ Custom Software Development, email: woj#at#wojfun#.#com to discuss details or skype: wojl2000 or gchat: wojfun or telegram: wojl2000 Affiliate program tools: Hosted Galleries Manager Banner Manager Video Manager Wordpress Affiliate Plugin Pic/Movie of the Day Fansign Generator Zip Manager

10-07-2010, 07:31 PM	#5
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,928	You're a slave to your mortgage or home..I'd rather have fun and have mo money to play with and have investments __________________ *YOUR INFORMATION HERE*

10-07-2010, 07:34 PM	#6
Linguist Confirmed User Join Date: Apr 2004 Location: Toronto, ON Posts: 1,706	I've discovered that at the end of the day no one really gives a shit what kind of place you live in (unless its a dump or a super pimped out pad. pool & gym in a condo dont qualify as pimped out). Weirdly enough I pulled in more tail living in a shared loft situation than a 2br fancy condo all to myself.... My philosophy has been, no more than 25% of net income for a rental place (i'm paying ~15% right now). I went for a pretty expensive rental place a few years back... was way more than I needed and it was too draining on the finances. I'd much rather have more cash in the pocket/to play/invest/take dance yoga etc classes than live in a more expensive place. __________________ 315-310 Last edited by Linguist; 10-07-2010 at 07:35 PM..

10-07-2010, 07:44 PM	#7
Tempest Too lazy to set a custom title Industry Role: Join Date: May 2004 Location: West Coast, Canada. Posts: 10,217	Young people typically want flashy things... When you get older, usually, you just want the cash.

10-07-2010, 07:57 PM	#8
wild johnny Confirmed User Industry Role: Join Date: Nov 2009 Location: Way Out There Posts: 723	Make the ok place nice and enjoy the freedom the extra $$ gives you. You will be glad you did. __________________ Contact.....Johnny[at]wildg[.]com

10-07-2010, 08:02 PM	#9
Fenris Wolf Confirmed User Industry Role: Join Date: Nov 2005 Posts: 1,030	Cut down expenses and reinvest the difference. __________________ Email: fenris_wolf3000 (a t ) yah00 . c 0 m

10-07-2010, 08:14 PM	#10
DaddyHalbucks A freakin' legend! Industry Role: Join Date: Feb 2004 Location: Las Vegas, Nevada USA Posts: 18,975	I'd rather have money to invest. Your wife may have a different opinion. __________________ Boner Money

10-07-2010, 11:18 PM	#11
Shedevils Confirmed User Industry Role: Join Date: Jun 2010 Posts: 498	More money to put away. I'd live in a box if it meant more capital.

10-07-2010, 11:25 PM	#12
Socks Confirmed User Industry Role: Join Date: May 2002 Location: Toronto Posts: 8,475	A swing ain't that important when the park's around the corner... - De La Soul

10-07-2010, 11:26 PM	#13
epitome So Fucking Lame Industry Role: Join Date: Jun 2009 Location: St. Petersburg, FL Posts: 12,156	We have a house that drains us. We use 30% of the rooms. We're moving to South Beach early next year. We will be getting a tiny two bedroom apartment near the beach. Save your money and use it to enjoy life. Spend too much on your house and you'll spend more time there than you want because you won't be able to do afford anything else. Please, please, please trust me.

10-08-2010, 12:19 AM	#14
xNetworx So Fucking What Industry Role: Join Date: Jan 2004 Location: Whore Island Posts: 14,445	Travel > Crib

10-08-2010, 12:30 AM	#15
martinsc Too lazy to set a custom title Industry Role: Join Date: Jun 2005 Location: 127.0.0.1 Posts: 27,047	__________________ Make Money

10-08-2010, 12:36 AM	#16
Jarmusch Industry Role: Join Date: May 2003 Posts: 12,464	Someone who goes for the sweet pad does so to impress/get approval of others, and cares too much about what people think.

10-08-2010, 01:06 AM	#18
DWB Registered User Industry Role: Join Date: Jul 2003 Location: Encrypted. Access denied. Posts: 31,779	Have a comfortable place to live, but unless you plan to spend the rest of your life there and raise a family, focus on disposable income.

10-08-2010, 09:43 AM	#19
sexdatesj Confirmed User Join Date: Jun 2009 Posts: 1,078	would like both __________________ http://www.SexDateCash.com up to $90 Per Signup ~ WE USE NATS ~ 18 Niche Dating Sites!

10-08-2010, 10:22 AM	#21
MaDalton I am Amazing Content! Industry Role: Join Date: Feb 2004 Posts: 39,822	i used to live in a house that didn't get renovated since 1945 and my "apartment" still had coal heating. but i had my own toilet, unlike some other apartments who had a shared toilet on the staircase... so yes, i'd prefer the disposable income - lol __________________ AmazingContent.com - providing only the best content and service since 2003 Monetize your content on Veegaz.com - one of Germanies largest VOD sites Got German traffic? We convert it into money for you! Skype: madalton02826 - Email: oltecconsult [at] gmail [dot] com

10-08-2010, 10:24 AM	#22
minicivan Confirmed User Join Date: Jun 2007 Posts: 943	This is generally a question of maturity.

10-08-2010, 10:25 AM	#23
chronig Registered User Industry Role: Join Date: Oct 2009 Posts: 2,653	You need both, just one or the other isn't fulfilling enough, I've been in both (singular) situations...

10-08-2010, 10:30 AM	#25
klinton So Fucking Banned Industry Role: Join Date: Apr 2003 Location: online Posts: 8,766	cash and house withoout bedbugs is optimal solution

10-08-2010, 10:32 AM	#26
Kenny B! Confirmed Abuser Industry Role: Join Date: Jun 2003 Location: Montreal Posts: 5,717	If it's a rental then save your money, if it's a purchase then that's a different story. From experience what is expensive now seems reasonable a few years from now, if you need to stretch just a little bit to get your dream house then do it and work that much harder. You need to be rewarded in life for your hard work, can't take it with you. __________________ Kenny -at- YourPaysitePartner.com Skype: kennyb514 Do business with us: Your Paysite Partner Kenny's Pennies Sticky Dollars Radical Cash Indie Bucks Stand Ahead Read My Ambush Interview Here

10-08-2010, 10:53 AM	#27
ottopottomouse She is ugly, bad luck. Industry Role: Join Date: Jan 2010 Posts: 13,177	Disposable income. __________________ ↑ see post ↑ 13101

10-08-2010, 11:29 AM	#28
datatank Confirmed User Join Date: Aug 2004 Location: My dog is blacker than Tupac Posts: 5,471	I prefer a nice place. I spend to much time at home

10-08-2010, 11:30 AM	#29
CaptainHowdy Too lazy to set a custom title Industry Role: Join Date: Dec 2004 Location: Happy in the dark. Posts: 93,181	Peace of mind... __________________ FLASH SALE INSANITY! deal with a 100% Trusted Seller Buy Traffic Spots on a High-Quality Network 1 Year or Lifetime — That’s Right, Until the Internet Explodes!

10-08-2010, 11:37 AM	#30
candyflip Carpe Visio Industry Role: Join Date: Jul 2002 Location: New York Posts: 43,057	Mo' money. I've got kids. __________________ Spend you some brain. Email Me

10-08-2010, 11:39 AM	#31
fuzebox making it rain Industry Role: Join Date: Oct 2003 Location: seattle Posts: 22,038	I used to spend a huge chunk of my income on my apartment... Nowadays I like keeping my overhead and monthly expenses low. Back then I justified it because I worked out of home and "deserved" nice surroundings... Tough call actually.

10-08-2010, 11:45 AM	#32
Bryan G Confirmed User Join Date: Aug 2005 Location: Toronto Posts: 8,338	When I bought my house my number 1 concern was to make sure I was not house poor. So instead of buying a 5,000sq house I got something smaller so I would have some disposable money as well. Renting is retarded you are just pissing away money month after month. I was renting for 8 years before I bought and when i calculated what I was spending it was enough to make you sick. However, different strokes for different folks. __________________ Bryan skype: bryan.glass3 \| ICQ 302999591

10-08-2010, 11:48 AM	#33
mynameisjim Confirmed User Join Date: Aug 2007 Posts: 2,985	If the neighborhoods are both good, then I would go with the smaller place if you have a budget. But I would always spend more to live in a nice area. In a really nice area, you can live in a tiny place and still be happy. __________________ jim (at) amateursconvert . com Amateurs Convert

10-08-2010, 11:51 AM	#34
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	ive been thinking about it lately.. my place is pimped out.. not so big but its a luxury high rise.. the difference between this and a "regular" downtown place is like $1k a month so i dont really mind..,, the place has 24hr concierge.. pool.. jaccuzi.. hot tub.. view of the bay.. party room.. bbq.. etc.. so its a nice place.. but it is expensive and i keep thinking i shouldnt be paying this much for somewhere to live.lol but having a nice spot does make me wake up in the morning and dont feel so bad about spending all my time in front of a computer.. plus im settled here, tons of furniture, pictures, etc.. too late to move now.. haha but id make sure my rent isnt more than 30% of monthly income.. mine isnt so its ok i guess.. plus i have no car note since my car has been paid off forever.. so apart from my rent, the next highest bill is crap like electricity, cable, etc __________________ _________________ I am the best Last edited by xxweekxx; 10-08-2010 at 11:53 AM..

10-08-2010, 11:51 AM	#35
Voodoo ♥ ♦ ♣ ♠ Industry Role: Join Date: Sep 2002 Location: Porn Valley, CA Posts: 10,590	There's no such thing as "disposable income", there's only idiots that don't know how to manage money and make it grow. __________________ "I'm selflessly supporting the common good, but only coincidentally looking out for No.1."

10-08-2010, 11:58 AM	#36
Elli Reach for those stars! Industry Role: Join Date: Apr 2003 Location: Vancouver, BC Posts: 17,991	I just downsized a bit but upsized, too. We went from a house with a yard (huge rooms but lots of wasted space, lots of yard maintenance, house needed work) to a townhouse with a little yard (more rooms, better layout, no yard work other than my flowers). AND it's $500 a month cheaper than the house. Honestly I feel much more 'free' now. That's $500 a month I can put into savings and I don't have any worries about structural maintenance. __________________ Make More Money with Cams and Dating at FFN.com! email: [email protected]

10-08-2010, 12:41 PM	#37
JenniDahling Market Penetration Specialist Join Date: Jul 2005 Location: Out of my Suitcases Posts: 5,285	Extra cash is always better, I'm a believer of the philosophy of the book "The Millionaire Next Door" __________________ cLick my kitty, you know you want to jenni {at} prkitty.com Meet me at The Island Gathering