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  1. #1
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    Poll: What expense(s) do you pay first?

    When you sit down to pay your bills, there may be more bills than usual and/or costs may be higher than usual. However, your financial abilities currently make it so that you have to keep a budget and prioritize about which bills you pay immediately and those you put off.

    Of the following, which expense(s) do you pay first and why? Please discuss.

    1. HOUSING: Rent or mortgage.
    2. Food.
    3. Medications prescribed by a physician (not illicit drugs of addiction).
    4. Electricity.
    5. Heat.
    6. Transportation.
    7. Other.
    Last edited by powerhouse; 02-10-10 at 04:06 PM.

  2. #2
    Me and the cat... Pamestique's Avatar
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    Order of importance. Always paid on time:

    Housing (rent)
    Electricity (no gas in my place)
    Credit cards (if there is a balance)
    Car and home owner insurance
    Cable/DSL
    phones (cell and landline)
    401K contribution
    Savings

    * * *

    Car's paid off
    Cards paid off
    Never use heat - will use air in the summer
    Food I buy what I need and I can afford. I don't go out much
    Gas necessary but I do conserve fuel and only drive by car when necessary
    medications - only on one - insurance covers most of it
    health care - necessary evil but necessary - my employer subsidizes it but I make sure I have it
    Gym membership
    ______________________________________________________________

    Private docent led mountain bike rides through Limestone Canyon. Go to letsgooutside.org and register today! Also available: hikes, equestrian rides and family events as well as trail maintenance and science study.

  3. #3
    GATC
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    mortgage, savings, and tv(?) are automated, everything else I pay when it's due.

  4. #4
    The Site Administrator: Currently at home recovering from a couple of strokes,please contact my assistnt admins for forum issues Tom Stormcrowe's Avatar
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    I have no idea on the order.....I have the bank take care of all that. I develop a new bill, I send it to the bank and they automate it if it's a recurring payment, and if it's a one time thing, I just use Visa.
    on light duty due to illness; please contact my assistants for forum issues. They are Siu Blue Wind, or CbadRider or the other 3 star folk. I am currently at home recovering from a couple of strokes. I am making good progress, happily.


    . “He who fights with monsters might take care lest he thereby become a monster. And if you gaze for long into an abyss, the abyss gazes also into you.”- Fredrick Nietzsche

    "We can judge the heart of a man by his treatment of animals." - Immanuel Kant

  5. #5
    shaken, not stirred. gnome's Avatar
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    Quote Originally Posted by powerhouse View Post
    When you sit down to pay your bills, there may be more bills than usual and/or costs may be higher than usual. However, your financial abilities currently make it so that you have to keep a budget and prioritize about which bills you pay immediately and those you put off.

    Of the following, which expense(s) do you pay first and why? Please discuss.

    1. HOUSING: Rent or mortgage.
    2. Food.
    3. Medications prescribed by a physician (not illicit drugs of addiction).
    4. Electricity.
    5. Heat.
    6. Transportation.
    7. Other.
    1. Superanuation scheme: it comes out with my wage taxes before I even get my net pay.
    2. Mortgage: I want to keep having some place to live. paid when I get paid.
    3. Utilities/Rates: I like being able to have hot showers and then surf BF. cooking also is good. Usually paid on the day I get paid.
    4. Food. I like to eat.
    5. Medication: it's only a three monthly bill so I pay it irregularly but before buying groceries.
    6. Everything else. What ever is left.
    Get a bicycle. You will not regret it if you live. ~Mark Twain, "Taming the Bicycle"
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  6. #6
    Super Moderator no1mad's Avatar
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    What is this 'budget' that you speak of?
    Quote Originally Posted by Cyril View Post
    Ride what and in what manner pleases you. Those that mind don't matter, and those that matter don't mind. srsly.
    Community guidelines

  7. #7
    K2ProFlex baby! ilikebikes's Avatar
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    we own our home so no morgage or rent.

    food for the month. (including dog and cat food)

    utilities, electric, gas, water, and oil in the winter.

    all else can wait, like gas for the vehicles, and cable which includes phone and interwebz, and if it came down to it electric, gas, water, and oil could kiss my ass too!

    no meds legal or illegal.
    You see, their morals, their code...it's a bad joke, dropped at the first sign of trouble. They're only as good as the world allows them to be. I'll show you. When the chips are down, these...These "civilized" people...they'll eat each other. See, I'm not a monster. I'm just ahead of the curve

  8. #8
    2-Cyl, 1/2 HP @ 90 RPM slvoid's Avatar
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    1. Housing. You gotta live somewhere.
    2. Medication. Keeps your body in good shape.
    3. Transportation. Gotta get to work. Could always starve a little or bum food off people. Harder to bum medication or transportation off people every day.
    4. Food.
    5. Electricity.
    6. Heat.

  9. #9
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    1) Housing comes first (rent in my case)
    2) Electricity is my heat, it comes second as losing the food in the fridge or my alarm clock would be an issue.
    3) Food. It's hard to be alive without it. If stuff is tight it's a minimal amount, everything is from scratch, less meat.
    4) Meds, assuming they are something you need to take opposed to an elective (acne meds or birth control for example)
    3 (again)) Assuming the above is paid for, enough food to be happy with what I eat.
    5) Heat/AC. I'll keep the place warm enough to prevent the pipes from freezing no matter what, but since it's in my lease that's part of rent in my mind. The choice to turn the heat from 50* up to a more comfortable 65-70* is lower on the list, and melds with the nicer food part.
    6) Transportation. The first thing is that I don't believe in taking loans for depreciating assets. As such I don't have, and likely never will have a car loan. Note that I also drive a POS and will do so until the 6 figure student loan gets paid off.
    7)Other.

  10. #10
    Senior Member downtube42's Avatar
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    Hmm,
    0. I pay myself first. Savings.
    1. Fixed amount set aside for health care. Insurance plus pre-tax health savings account.
    2. Fixed amount set aside for food. Starvation is unhealthy, costly in the long run, and makes it hard to ride.
    3. All other bills are paid as they are due. (from essentials like utilities, to discretionary like Netflix, cell phones and Internet)
    4. Fixed amount for pocket money.
    5. Any extra goes against debt reduction (e.g. extra mortgage payment)
    What is bicycle touring?
    "So I kept looking and eventually found that a spark plug had same threads. So I cycled next two days until I got to Jackson, MS with a spark plug instead of right pedal." - mev

  11. #11
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    Quote Originally Posted by powerhouse View Post
    When you sit down to pay your bills, there may be more bills than usual and/or costs may be higher than usual. However, your financial abilities currently make it so that you have to keep a budget and prioritize about which bills you pay immediately and those you put off.

    Of the following, which expense(s) do you pay first and why? Please discuss.

    1. HOUSING: Rent or mortgage.
    2. Food.
    3. Medications prescribed by a physician (not illicit drugs of addiction).
    4. Electricity.
    5. Heat.
    6. Transportation.
    7. Other.
    Food first because you can't survive without it.
    Housing second because you need a shelter.
    Heat third because it's cold out there.
    Electricity forth because most heating systems won't work without it and you need a refrigerator.
    Transportation fifth but a what kind? The bike is the cheapest.
    All others last.

  12. #12
    Pwnerer Wordbiker's Avatar
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    #1: Loan shark


    Everything else really isn't that important.
    Quote Originally Posted by ahsposo View Post
    Ski, bike and wish I was gay.

  13. #13
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    Charity is the first check, helps put my priorities straight.

  14. #14
    You Know!? For Kids! jsharr's Avatar
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    Quote Originally Posted by baratta930 View Post
    Charity is the first check, helps put my priorities straight.
    I applaud you for this.
    Are you a registered member? Why not? Click here to register. It's free and only takes 27 seconds! Help out the forums, abide by our community guidelines.
    Quote Originally Posted by colorider View Post
    Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.

  15. #15
    Senior Member jdon's Avatar
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    I pay me first, then my bills. Boring, but it works.

  16. #16
    Caustic Soccer Mom apclassic9's Avatar
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    1st -Tractor
    2nd - Rental properties mortages
    3rd - any credit cards
    4th - cell & landline phones
    5th - electric
    6th - trash

    (auto insurance, internet are automatic)

    no home mortage, car loan, water/sewage or heat bill (free gas). I don't look at food as a "bill" - it's a pay as you go item.

    Then there are the occassional bills: IRS Quarterly, State Quarterly, life insurance, home insurance, property taxes. Pay these (except IRS) when they come in.... pay IRS/State quarterlies when I have spare $$, and even then someone has to hold my hand down to push the "send" button.
    As with mud, life, too, slides by.

  17. #17
    Still can't climb
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    Quote Originally Posted by Wordbiker View Post
    #1: Loan shark


    Everything else really isn't that important.

    that's so true. i can't believe no one else gets a bill from the mob for protection.
    coasting, few quotes are worthy of him, and of those, even fewer printable in a family forum......quote 3alarmer

  18. #18
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    I pay everything the second I get it.

  19. #19
    Senior Member GP's Avatar
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    Quote Originally Posted by bobfromwaco View Post
    I pay everything the second I get it.
    Me too. Well, maybe not the second I get it but within a day or two.

  20. #20
    Gears? CliftonGK1's Avatar
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    Quote Originally Posted by cia dog View Post
    Food first because you can't survive without it.
    Housing second because you need a shelter.
    I put housing ahead of food. You don't pay your rent/mortgage and you'll get booted to the curb, but you can always find ways to get free food. (I spent 6 months homeless; trust me, there's more free food out there than you'd believe.)
    "I feel like my world was classier before I found cyclocross."
    - Mandi M.

  21. #21
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    I don't quite understand the question, although everyone else apparently does.

    We pay all our bills on time, so the "order" is simply the order they are due each month. Some bills are paid automatically, whereas others are paid as the statements come in the mail/email.

  22. #22
    Banned. ModoVincere's Avatar
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    Guido gets paid first. After my legs are safe, then the utilities and groceries.

  23. #23
    Squirrelly Member trsidn's Avatar
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    All bills are paid around the time they come in. I do make sure the mortgage goes on payday.
    Quote Originally Posted by Nicodemus View Post
    Yet more proof that I'm.. well, pretty much right about everything.

  24. #24
    Portland Fred banerjek's Avatar
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    Cycling expenses don't even make the list? Y'all are weirdos.

  25. #25
    Bike Junkie aadhils's Avatar
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    Quote Originally Posted by banerjek View Post
    Cycling expenses don't even make the list? Y'all are weirdos.
    My bike needs little maintenance if at all (I'd buy a new bike but photography equipment is higher on my "need" list right now).

    My typical list of priorities is as follows:
    1)Rent
    2) Haagendaazs

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