How much money do you save a month and how to save money OTR

All I knew in this situation went and bought old beaters. Heck I did a few ago.

 

I take my truck home and park at a truckstop about 10 miles from where I live. Before I bought a personal vehicle I would just rent a car for the time I was home. Enterprise will pick you up and drop you off within a reasonable distance of their location for no extra charge.

 

He has never told anyone to purposely not pay their bills and tank their credit. I have heard him tell folks in dire circumstances that its better to let loan xxx go into default than not pay the electric bill. Again, just basic common sense, if your only choice is to pay the electric bill or pay the credit card, keep the lights on.

 

How to save money?

Spend less than you make.

An easy way to do that is to put your credit and debit cards away, and put your (weekly, biweekly, monthly) budget in your wallet. Preferably in LARGE bills.

Ever wanted to buy a pack of gum, and all you had was a $100? Did you do it? It's a Dave Ramsey trick, but it works. Determine how much you will spend on the road, and draw that in cash. When it's gone, it's gone.

One of the biggest problems people have these days is that they are never broke, because they have CREDIT. All you have to do is admit when you are broke, and stop spending.

 

The thing is you can save money and not really lose those comfort items. While driving I used to chew the heck out of gum. I also ate my share of candy etc etc. Why pay $1.50 for something I can get for much less at Sams? Most every trucker by now knows most T/Ss are a rip off. One of the worse was Rip Griffins. watch what you are doing, spend wisely and it will surprise you how much money can be saved. One thing that helped me was all that candy and crap I had dumped on me because of rejected cases. OTR Truckers can save money. It is doable! It is done all the time! If I can do it anybody can!

 

Im worth more dead than alive. If I was to drop at this keyboard posting,cremation, scattergarden, 3 day storage of body pending the big burn and bone grind box is open to visitors (Not recommended past day one... I will not be socially presentable because it is necessary to prove by decomposing that I am truly and absolutely dead prior to burning and grinding. Burn the flesh to gases, burn the stink out, then rake the bones into the secondary burn and grind rollers, dust goes into a silver can, transferred to a plastic urn which goes to scatter garden and done.)

The will is set in stone. Living will, directives are also set in stone. Im getting ready to scan for bone cancer in two locations of my body this month. We will decide if we have it or not. IF so, then we will proceed on two more tests resulting. I might have a couple of years. The beneficiaries in both the USA, Marine Corps and IDF are also set in stone. All is settled. All that is needed is a phone call to my funeral home to take possesion of the body and a second phone call to the exector to get things started.

If it's time for me to die this moment, there is no stress. Everyone has had a conversation with me and there is nothing left to worry about in this side of the river.

 

Yes I did. I also have a copy of my earnings going all the way back to my teens. Every dollar paid in is a shot up the wild ducks butt too. Paying into an infernal so called retirement system that is at its core nothing but a pyramid scheme that I can't depend on infuriates me. Right now the only part I can use is the disability part. Just a dang boondoggle thankfully I can do without. However it still don't make the pain of seeing all that money paid in going to waste go away.

 

I look at all the old people now that rely on SS and I know when they were young they said it was a waste of money and wouldn’t be there for them when they retired.

But they would be screwed without their monthly checks or free health care or nursing home care.
And we pay a very small amount now for the benefits that we may receive if we retire or get hurt.

Any given week any one of us can be diagnosed with something bad , or get injured and at least we have Medicare or whatever and SSI to help us out.
.
And being a responsible adult means paying into the system and working a job that provides us with the means to have health insurance.

 

NOPE!! Sorry that comment is 100% inaccurate. The pre baby boomers never made such comments. That is not an opinion that is established fact. Social security went along generally OK until the benefits started outpacing the payments going in. I don't remember the year this happened however the beginning of the end of Social Security begin when the trust fund was raided and the whole shooting match went on the general budget. The rest of your comment from that point is really non secateur and I won't waste time making comments about it. You really need to go read some of the forecasts from the Social security admin itself in regard to funding and payout CHANGES that will have to happen to keep the whole thing solvent. I don't have the actual numbers in front of me. I could make up some numbers here but I won't. All i know is back when Social Security started there were OVER a hundred productive workers paying in for every person retired. That number of people paying in to the number retired is MUCH MUCH lower today then it was. Most people that track these things consider the baby boom generation to be around 1948 to about 1964. I was born in 1958 and iI am 60. this means there are baby boomers still alive that are getting close to their middle 50s. There is serious thought to increasing the retirement age to 70. What this does is put off the retirement of these last of the boomers another 15 years. Again i don't know the actual numbers but I have heard predictions that in 10 to 20 years the US will have to double or even triple the FICA coming out of paychecks. That FICA today is 14% YOU 7% employer 7%. Social Security might not go broke during most of our lifetimes, however there is no way the present system is sustainable at these current rates. I'm sorry if this goes against the stuff you believed. Don't believe me go look at the actual information! Not some liberal or conservative hack site!

 

When I started at the factory in 1986 they all complained about taxes and Social Security. Most of those people are dead now.

Social Security when it was first implemented was as unpopular as Obamacare.
Thank God we had leaders back then that tweaked it and improved it and didn’t just try to repeal it.