Messages

136

The Lounge / Re: Debt/Credit Score/Budgeting

« on: August 03, 2016, 10:56:49 AM »

Sell both your cars and buy something cheaper/older, it probably doesnt even have to be something shit or boring, just a bit less new.

My missus is a coupon dork, she saves a fucking fortune, ie many grand per year. Quite a lot of work mind...

Sell your ass.

You looking for a good time sailor? we've never really tried coupons, but I think we're going to try that now. My mom does it and her garage is a damn warehouse almost haha

137

The Lounge / Re: Debt/Credit Score/Budgeting

« on: August 03, 2016, 10:54:46 AM »

If at all possible where you live, think about getting rid of your car and just bike everywhere.

this is suicide in Houston....lol. I wish though, maybe if people didn't constantly try to run over bikers here.

138

The Lounge / Re: Debt/Credit Score/Budgeting

« on: August 03, 2016, 07:42:33 AM »

If you want an easy/tasty/cheap meal to cook and like fish give this a try:

Roll out a piece of foil or parchment paper about 18-24" long.
Slice tomato, onion, lemon into thin slices and layer on foil/parchment (I also toss in basil, up to you though)
Season the veggies with salt/pepper to taste and hit it with some olive oil or a few slices of butter
Lay fish ( I usually use a cheap whitefish but up to you) on top of the veggies, season both sides of fish with salt/pepper
Toss some more lemon and olive oil/butter on top of fish
Roll foil/paper into a sealed pouch and put in baking pan in a 350* oven for 20-30 minutes

You can serve this with some plain rice or pasta as there will be a nice broth/sauce in the pouch.
This will serve 2-4 people depending on how much fish for just a few bucks and is quick, simple and cheap.

I have plenty of other cheap/easy meals but this is probably the easiest to prep and clean up for only a couple dollars.

that sounds really good, and easy. If you want to send me more recipes like that I'm all ears...err eyes. adambmx1990@yahoo.com

139

The Lounge / Re: Debt/Credit Score/Budgeting

« on: August 03, 2016, 06:05:51 AM »

Thanks for the sound advice guys. I ended up staying in my current apartment, the only things cheaper in the area are super shitty/ghetto. If I was single I would live in the hood and not be bothered.

What I might do is try and get a part time job since my full time job is barely alive (as some of you may know, I work in the Oilfield and business is not very good). That's really why I'm struggling a bit now, this year I took about a $20,000 pay cut and it hurts.

I'm planning on refinancing my wife's car pretty soon. Back in 14 when I was making damn good money I bought her car and my truck. I was stupid and went with the first deal I got. Both vehicles had almost 20% APR!! I refinanced my truck and got it down to 8% significantly lowering the payment. That's the plan with her car.

My wife and I were talking about our budget last night. Our biggest fault is eating out. She works for AT&T installing Internet  (I think this is a man job, pregnant women don't need to work outdoors) and when she gets home is too tired to cook, and I'm kind of a piece of shit and can't cook. As a result, we end up getting some shit fast food. My goal this month is to read some cooking for dummys stuff online and do some learning. This will also help with my current health issues too. Yay diabeetus.

140

The Lounge / Debt/Credit Score/Budgeting

« on: August 02, 2016, 02:43:01 PM »

Hey Bikeguide, I thought we could discuss the one thing that plagues us all.....debt. Maybe we can give each other tricks and tips?

I'm about $1200 in debt via credit cards. I really want to pay them off ASAP, but with bills I'm lucky to pay off $100 here and there. Is getting a personal loan to pay all my cards off in one sweep worth it? Will this negatively affect my credit? Or help it? Or would you say I'm better off chugging along slowly but surely as I am now? I make about $2600 a month and pay about $2300 in rent, car notes, etc...

My wife makes about the same as I do, but her credit score is in the lower 600's. We're using her paychecks for the baby (due Oct 15, woo) and food/groceries/gas.

As is we're making ends meets but living check to check. This is one thing I REALLY want to get out of.

My credit score is in the mid 600 range and my goal by 2018 is to have as close as perfect score as possible and buy a house. (I was trying to buy a house this year but my credit was short a few points and I couldn't make the down payment)

141

The Lounge / Re: post BG redux PAPOY

« on: August 02, 2016, 09:43:04 AM »

Gumby himself. Awesome guy, I could've sat and listened to him tell stories from back in the day all damn night. AFA round 3 after party

142

The Bike Shop / Re: CS vs. SS brakemounts, and more

« on: August 01, 2016, 09:00:00 AM »

I think you'll be fine with either cs or ss brakes. As fit the gyro if you get the Springfield brakes the 2 in 1 cable is the easiest option. Personally I'm running old fly brakes with dual lower cables. I went to Sundays website and bought a cable and just cut it in half.

143

The Bike Shop / Re: Quick Questions

« on: July 29, 2016, 08:18:11 AM »

am i right in thinking that a normal solderless nipple would work to run dual cable? dont fancy paying almost a tenna for the odyssey ones.

should be fine

144

Bike Gallery / Re: Daily Pictures v2

« on: July 22, 2016, 06:00:09 AM »

Saw on Instagram that Empire had a few of the new S&M Barcodes left so now I have one of those on the way. Spending a few hundred on the same frame you already have is pretty funny.

#yolo

According to their insta if you ask them joe rich can sign your frame

145

The Lounge / Re: Pokemon Go

« on: July 16, 2016, 07:43:25 AM »

I'm playing it. Kinda fun. No cool Pokémon yet.

146

The Bike Shop / Re: Quick Questions

« on: July 06, 2016, 10:01:26 AM »

I'm running a Dirt Harry lever- Odyssey Slic cable-Odyssey hanger- Odyssey Springfield brakes- Odyssey Ghost pads. Everything is new.  They slip and squeal so fucking loud, and will not lock up. What am i doing wrong?

i would also recommend a linear cable, much better. I don't know if i'm the only one, but those ghost pads didn't work very well for me. I'd get clear slim by four odyyssey pads instead. When you get your cable, marinate the inside of it with lube too.

147

Bike Gallery / Re: F-etish

« on: June 07, 2016, 03:26:17 PM »

Clean!

148

Bike Gallery / Re: Daily Pictures v2

« on: June 07, 2016, 03:25:23 PM »

Snapped this the other day. It's been raining like crazy in Houston, so lame

149

The Lounge / Re: Question about weddings

« on: June 02, 2016, 06:53:40 AM »

How formal are the weddings? Like in a church or at someone's house? You don't necessarily need a tux, but don't wear a t-shirt and jeans obviously. A nice sort, slacks, and dress shoes will do.

As for the gift, when I got married pretty much everyone gave me cash and a card. Most had $100 (except my boss who gave me 500 lol) if they have a registry get what your comfortable buying. Our just don't give a gift, fuck em.

Fuck the bridesmaid,but try not to fuck the bride herself.

150

The Bike Shop / Re: Tires...?

« on: May 31, 2016, 01:01:53 PM »

Big balloon tires are silly to me. Only made for new brake less bikes. The only good options in my opinion are maxxis and Tioga tires if you aren't getting tiny flatland tires