Current Events > this is why i hate /r/personalfinance

Topic List
Page List: 1, 2
_BlueMonk
09/14/17 3:42:36 PM
#1:


me and my gf have a really really bad bed. we sink into the middle of it and both experience back pain. it was her bed and she said she got it from a thrift store.


ive had terrible back pain for the last year ive been sleeping on her bed and its come to a point where we can't take it anymore.

i ask personalfinance if its a good idea to finance it and they tell me :
a) that you should save up for it (most good beds cost $2-5k), and just deal with the pain for the next year or so itll take to save for it.
b) sleep on the floor
c) deal with it

it's like fuck you. "Hey my personal health is in jeopardy" "yeah but you might pay 5 dollars in interest so dont do it!"

how about i die. i can't spend money if im dead. shit.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
EnragedSlith
09/14/17 3:43:27 PM
#2:


So you already know what you wanna do
---
... Copied to Clipboard!
Veggeta X
09/14/17 3:44:53 PM
#3:


Reddit is horrible for personal problems. It's a place for them to act holier than thou giving solutions and suggestions like they have the answers.
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
mirage_004
09/14/17 3:46:21 PM
#4:


It kind of depends. If the bed you're on right now will cause long-term physical damage that will run you medical bills, then you should finance the bed. Otherwise, they have a point.

Just get an air bed in the meantime from Walmart. $45, dude.
---
Need a new signature here.
... Copied to Clipboard!
Alucard188
09/14/17 3:47:47 PM
#5:


I paid $1250 for my bed and it's been going about a decade now. You spend 1/3rd of your life in bed, so you may as well splurge and get a good one.
---
Face it Cloud is a gaming icon and has appered in lots of games while mario has only appeared in 2 games sunshine and 64~xSlashbomBx
... Copied to Clipboard!
AlephZero
09/14/17 3:47:51 PM
#6:


just buy bags of lentils and rice and sleep on those

you can eat them too, kill one bird with two stones
---
"There is value in segregation." - qwertyman2002
01001100 01010101 01000101 00100000 00110100 00110000 00110010
... Copied to Clipboard!
chill02
09/14/17 3:51:05 PM
#7:


EnragedSlith posted...
So you already know what you wanna do

---
Ave, true to Caesar.
... Copied to Clipboard!
sauceje
09/14/17 3:51:45 PM
#8:


AlephZero posted...
you can eat them too, kill one bird with two stones

http://i0.kym-cdn.com/photos/images/newsfeed/000/570/335/d14.gif
---
He was born in a coop, raised in a cage, children fear him, critics rage,
He's half alive, he's half dead, folks just call him Buckethead
... Copied to Clipboard!
CableZL
09/14/17 3:51:59 PM
#9:


I put a sleep number bed on a credit card and I don't regret it at all. Paid it off within a few months, and it's by far the best bed I've ever had.
---
... Copied to Clipboard!
#10
Post #10 was unavailable or deleted.
Veggeta X
09/14/17 4:03:15 PM
#11:


What's wrong with this bed?

https://www.amazon.com/Classic-Brands-Memory-12-Inch-Mattress/dp/B00MWTJ9OA/ref=sr_1_10?ie=UTF8&qid=1505419361&sr=8-10&keywords=ghost+bed
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
prettyprincess
09/14/17 4:10:21 PM
#12:


having a nice bed is better than most things you can own
---
And in an infinite regress, tell me, why is the pain of birth lighter borne than the pain of death?
http://www.last.fm/user/followthegospel
... Copied to Clipboard!
prince_leo
09/14/17 4:11:47 PM
#13:


we bought a bed back in May and it's 0% interest for 18 months
so lol
---
... Copied to Clipboard!
Veggeta X
09/14/17 4:12:16 PM
#14:


So where are you guys getting your 2k beds from? Are you guys talking about the whole bed set or something?
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
Mark_DeRosa
09/14/17 4:13:30 PM
#15:


Veggeta X posted...
So where are you guys getting your 2k beds from? Are you guys talking about the whole bed set or something?

No a fucking mattress. A good one like a sleep number
---
Steve Nash | 13| Phoenix Suns | PPG: 16.9 | RPG: 3.60 | APG 11.3 | EFF: +22.96
http://www.gifsoup.com/view3/2283379/dance-o.gif
... Copied to Clipboard!
Veggeta X
09/14/17 4:15:48 PM
#16:


Mark_DeRosa posted...
Veggeta X posted...
So where are you guys getting your 2k beds from? Are you guys talking about the whole bed set or something?

No a fucking mattress. A good one like a sleep number

But the one I listed is a mattress with good reviews.
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
prettyprincess
09/14/17 4:22:35 PM
#17:


it'll go great with your garbage coasters
---
And in an infinite regress, tell me, why is the pain of birth lighter borne than the pain of death?
http://www.last.fm/user/followthegospel
... Copied to Clipboard!
_BlueMonk
09/14/17 4:31:10 PM
#18:


Veggeta X posted...
What's wrong with this bed?

https://www.amazon.com/Classic-Brands-Memory-12-Inch-Mattress/dp/B00MWTJ9OA/ref=sr_1_10?ie=UTF8&qid=1505419361&sr=8-10&keywords=ghost+bed

those beds tend to compress over a year of usage, and thats if you're like, less than 150 pounds.

me and my boo definitely weigh more than 150 pounds.

Veggeta X posted...
So where are you guys getting your 2k beds from? Are you guys talking about the whole bed set or something?

probably. i thinking we go into a Mattress Firm or something and try them out.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
_BlueMonk
09/14/17 4:34:07 PM
#19:


prince_leo posted...
we bought a bed back in May and it's 0% interest for 18 months
so lol

yeah. ive seen a lot of those offers so thats why i figured id go for it. obviously id try to pay it off asap but its nice to know i have some wiggle room.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Deadpool_18
09/14/17 4:34:46 PM
#20:


Who in the literal fuck buys a bed from a thrift store?
---
We're whalers on the moon, we carry a harpoon, but there ain't no whales, so we tell tall tales, and sing our whaling tune.
... Copied to Clipboard!
#21
Post #21 was unavailable or deleted.
Veggeta X
09/14/17 4:39:29 PM
#22:


_BlueMonk posted...
those beds tend to compress over a year of usage, and thats if you're like, less than 150 pounds. me and my boo definitely weigh more than 150 pounds.

But...

https://www.amazon.com/ask/questions/Tx1KM7USLO6USS9/ref=ask_al_aap_hza?_encoding=UTF8&sort=helpful
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
_BlueMonk
09/14/17 4:40:11 PM
#23:


Deadpool_18 posted...
Who in the literal fuck buys a bed from a thrift store?

lol my gf's "frugal" dad. their house is full of furniture they get at yard sales, thift stores, other people.

but one of the things he got for free was this: https://www.amazon.com/Herman-Miller-Embody-Chair-Graphite/dp/B01DGM7ZII

which he gave to us so uh, yeah.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Mark_DeRosa
09/14/17 4:40:35 PM
#24:


*waves my new barclay in front of you*
---
Steve Nash | 13| Phoenix Suns | PPG: 16.9 | RPG: 3.60 | APG 11.3 | EFF: +22.96
http://www.gifsoup.com/view3/2283379/dance-o.gif
... Copied to Clipboard!
_BlueMonk
09/14/17 4:40:51 PM
#25:


Veggeta X posted...
_BlueMonk posted...
those beds tend to compress over a year of usage, and thats if you're like, less than 150 pounds. me and my boo definitely weigh more than 150 pounds.

But...

https://www.amazon.com/ask/questions/Tx1KM7USLO6USS9/ref=ask_al_aap_hza?_encoding=UTF8&sort=helpful

reviews can be paid for or just wrong. and like i said, it really depends on how much you weigh and how you use it.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
_BlueMonk
09/14/17 4:41:14 PM
#26:


Mark_DeRosa posted...
*waves my new barclay in front of you*

WHAT

NO

SHUT UP

*throws amex cards at you*
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Veggeta X
09/14/17 4:42:21 PM
#27:


_BlueMonk posted...
reviews can be paid for or just wrong. and like i said, it really depends on how much you weigh and how you use it.

But...

https://www.amazon.com/ask/questions/Tx1QAEQ14YKD9GA/ref=ask_al_aap_hza?_encoding=UTF8&sort=helpful

I dunno man. I'm conflicted on this.
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
Deadpool_18
09/14/17 4:42:23 PM
#28:


_BlueMonk posted...
Deadpool_18 posted...
Who in the literal fuck buys a bed from a thrift store?

lol my gf's "frugal" dad. their house is full of furniture they get at yard sales, thift stores, other people.

but one of the things he got for free was this: https://www.amazon.com/Herman-Miller-Embody-Chair-Graphite/dp/B01DGM7ZII

which he gave to us so uh, yeah.


Oh my God. Kick his ass.
---
We're whalers on the moon, we carry a harpoon, but there ain't no whales, so we tell tall tales, and sing our whaling tune.
... Copied to Clipboard!
eston
09/14/17 4:43:00 PM
#29:


It kinda sounds like those people don't actually know anything about personal finance tbqh
---
... Copied to Clipboard!
Pogo_Marimo
09/14/17 4:46:40 PM
#30:


You definitely don't need to spend 2-5k on a "Good" bed. I spent a little more than 1k on a highly rated store-brand memory foam queen-sized and it is phenomenal. If you need to finance it, just make sure you know how much you're going to be "losing" in the deal in interest and make sure you're okay with it. Also, save your money for the next few months and try to pay it off early.
---
// BEAUTY IS NOT LOVE - LOVE IS NOT MUSIC - MUSIC IS THE BEST - WISDOM IS THE DOMAIN OF THE WIZ--WHICH IS EXTINCT //
http://www.last.fm/user/Pogo92
... Copied to Clipboard!
Veggeta X
09/14/17 4:55:52 PM
#31:


Pogo_Marimo posted...
You definitely don't need to spend 2-5k on a "Good" bed. I spent a little more than 1k on a highly rated store-brand memory foam queen-sized and it is phenomenal. If you need to finance it, just make sure you know how much you're going to be "losing" in the deal in interest and make sure you're okay with it. Also, save your money for the next few months and try to pay it off early.

Did you just buy a mattress or a whole bed set with frames? How do you feel the bed I posted? Are they just gimmicks even with positive reviews?
---
Don't like it? Don't watch it. It's that simple
FFBE ID: 196 912 851 1000+ MAG Fryevia
... Copied to Clipboard!
_BlueMonk
09/14/17 5:03:21 PM
#32:


look veggeta, ill just say this. 5 years ago i bought a mattress in a box. it was on amazon and had great reviews, and still does.

1 year later, i could feel the metal frame underneath it. it sucked.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Philoktetes
09/14/17 5:04:54 PM
#33:


tc just made this topic to brag about having a girlfriend
---
I don't think so, Tim.
~~ Pizza Crew ~~
... Copied to Clipboard!
#34
Post #34 was unavailable or deleted.
_BlueMonk
09/14/17 5:06:00 PM
#35:


byron posted...
Maybe you got a defective one. That doesn't mean all mattresses that aren't 5k will do that.

i mean what can i say

Philoktetes posted...
tc just made this topic to brag about having a girlfriend

we have sex in the bed too.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Pogo_Marimo
09/14/17 5:16:04 PM
#36:


Veggeta X posted...
Pogo_Marimo posted...
You definitely don't need to spend 2-5k on a "Good" bed. I spent a little more than 1k on a highly rated store-brand memory foam queen-sized and it is phenomenal. If you need to finance it, just make sure you know how much you're going to be "losing" in the deal in interest and make sure you're okay with it. Also, save your money for the next few months and try to pay it off early.

Did you just buy a mattress or a whole bed set with frames? How do you feel the bed I posted? Are they just gimmicks even with positive reviews?

Frame and box too, and a mattress protector. I would guess they are gimmicks but I've never used one personally, only I'll say when the best quality off-brand stuff is a thousand bucks it's unlikely a sub-$500 mattress is going to be particularly reputable.
---
// BEAUTY IS NOT LOVE - LOVE IS NOT MUSIC - MUSIC IS THE BEST - WISDOM IS THE DOMAIN OF THE WIZ--WHICH IS EXTINCT //
http://www.last.fm/user/Pogo92
... Copied to Clipboard!
#37
Post #37 was unavailable or deleted.
KhlavicLanguage
09/14/17 5:22:03 PM
#38:


that sub is idiotic and all the advice boils down to just "don't spend money, ever, no matter what. if you absolutely ABSOLUTELY have to, well, triple-check that you really have to, and if you really have to, spend as little as possible"
... Copied to Clipboard!
Philoktetes
09/14/17 5:24:07 PM
#39:


KhlavicLanguage posted...
that sub is idiotic and all the advice boils down to just "don't spend money, ever, no matter what. if you absolutely ABSOLUTELY have to, well, triple-check that you really have to, and if you really have to, spend as little as possible"



this is good advice

millennials don't make sound financial decisions because they splurge on frivolous shit
---
I don't think so, Tim.
~~ Pizza Crew ~~
... Copied to Clipboard!
KhlavicLanguage
09/14/17 5:25:10 PM
#40:


yeah like getting a degree in latin
... Copied to Clipboard!
_BlueMonk
09/14/17 5:25:28 PM
#41:


Philoktetes posted...
this is good advice

millennials don't make sound financial decisions because they splurge on frivolous shit

i mean yeah, if i wanted to know if spending 40 bucks a day on eating out was a good idea, saying no is a good idea

'but this is literally my back. the thing that holds me up. its connected to my head, which is in constant pain.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Philoktetes
09/14/17 5:36:10 PM
#42:


KhlavicLanguage posted...
yeah like getting a degree in latin



this user is a foreigner
---
I don't think so, Tim.
~~ Pizza Crew ~~
... Copied to Clipboard!
I4NRulez
09/14/17 5:41:28 PM
#43:


_BlueMonk posted...
(most good beds cost $2-5k)


Dude i paid 800 for my frame and bed included and its one of the most comfy beds ive ever slept on.

if youre paying 5k for a bed i feel bad for you
---
The night brims with defiled scum,and is permeated by their rotten stench.
Just think. Now you're all set to hunt and kill to your heart's content.
... Copied to Clipboard!
#44
Post #44 was unavailable or deleted.
Trayvon
09/14/17 5:44:48 PM
#45:


_BlueMonk posted...
Deadpool_18 posted...
Who in the literal fuck buys a bed from a thrift store?

lol my gf's "frugal" dad. their house is full of furniture they get at yard sales, thift stores, other people.

but one of the things he got for free was this: https://www.amazon.com/Herman-Miller-Embody-Chair-Graphite/dp/B01DGM7ZII

which he gave to us so uh, yeah.

are those Herman miller's really any good or just a meme?
... Copied to Clipboard!
Trayvon
09/14/17 5:48:12 PM
#46:


also have you tried one of those full foam mattresses that have no springs and come in a box?

my gf has one and I think it's great. may get one in the future myself.
... Copied to Clipboard!
whitelytning
09/14/17 5:58:48 PM
#47:


_BlueMonk posted...
i mean yeah, if i wanted to know if spending 40 bucks a day on eating out was a good idea, saying no is a good idea

'but this is literally my back. the thing that holds me up. its connected to my head, which is in constant pain.


So it sounds like your mind is made up. Just get a bed...

Just because something is the best financial decision doesn't mean its the only decisions you can make. Things other than finance should factor into your life decisions. If the health of your back and getting enough sleep is worth more than the money you would pay in interest then get the fucking bed. If not, then don't. Just be able to understand why financing isn't as great as paying something in whole.
---
************************************************
http://i.imgur.com/iZdWIKJ.jpg
... Copied to Clipboard!
_BlueMonk
09/14/17 9:29:51 PM
#48:


Trayvon posted...
_BlueMonk posted...
Deadpool_18 posted...
Who in the literal fuck buys a bed from a thrift store?

lol my gf's "frugal" dad. their house is full of furniture they get at yard sales, thift stores, other people.

but one of the things he got for free was this: https://www.amazon.com/Herman-Miller-Embody-Chair-Graphite/dp/B01DGM7ZII

which he gave to us so uh, yeah.

are those Herman miller's really any good or just a meme?

dude

its like sitting on a cloud. i feel like im jacking into the matrix everytime i sit down because of how it perfectly supports your body.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
_BlueMonk
09/14/17 9:30:25 PM
#49:


whitelytning posted...
Just because something is the best financial decision doesn't mean its the only decisions you can make. Things other than finance should factor into your life decisions. If the health of your back and getting enough sleep is worth more than the money you would pay in interest then get the fucking bed. If not, then don't. Just be able to understand why financing isn't as great as paying something in whole.

no yeah i agree.

i just wish they would think that too.
---
One in a Million, TWICE!
Dahyun is BEST.
... Copied to Clipboard!
Etherealfare
09/14/17 9:45:14 PM
#50:


I am so lucky - my sister's baby daddy worked (works) at Mattress Firm corporate. Got me a nice-ass bed and Box Spring for like $700 back in 2013.
---
No time to freeze undercovers ease up in Grand Prix,
and seize packages and pocket the currency - GZA
... Copied to Clipboard!
Topic List
Page List: 1, 2