Would you consider this or yourself greedy when you have to have something - Page 6 - Calgarypuck Forums - The Unofficial Calgary Flames Fan Community

MissKat · 06-23-2006, 12:00 PM

You see what I need to do is, look at the things I have in my life right now and be thankful for it. Instead of focusing on spending more money.

So many kids are starving to death, living in mud and have no clean water to drink. And here I am, with great parents and family and always want to buy that shirt I just saw. Thats just pathetic

V · 06-23-2006, 12:04 PM

You're so bloody dramatic. Geez.

Just think of me starving away, if it makes you feel better. You can send me cheques every month to pay for my child's diapers. I accept cash or certified cheque.

TheyCallMeBruce · 06-23-2006, 12:05 PM

Quote:

Originally Posted by Frank the Tank

How in the hell did you know she was Asian!?!

Well, by her description, it sounds like she lives in an asian household. Maybe it's because I hear stuff like this from my asian female friends time and time again, so I just made a guess.

Also her mannerism to me seems asian.

Also my asian girl spotting rader is on full alert.

Also I am the "Ask the chinese guy anything" thread starter. naturally, I would know these things

MissKat · 06-23-2006, 12:23 PM

Quote:

Originally Posted by Dominicwasalreadytaken

You're so bloody dramatic. Geez.

You have to be, to get control of yourself. You would think that I would be able to put something that I want aside with ease.

Kybosh · 06-23-2006, 01:30 PM

Quote:

Originally Posted by Vansmack

i dont want to come off badly in saying this.... can't you live a little? I really think there has to be a happy meadian between the misskat type, and the save every last penny type. Why not go out for dinner once in a while for a special occasion? Isn't it nice to treat yourself, or your wife, every once in a while?

I can't speak for anyone else but I seriously make very little money and the vast majority is dedicated to simply surviving. Sure I wish I had more money but the bottom line is I'm doing ok right now. I have a roof over my head, I am able to afford and support a dog and I can still hang out with friends and what not. Being able to do these things on my budget is very difficult but if I can do it so can anyone else.

peter12 · 06-23-2006, 01:47 PM

I splurge occasionally on music, but I'm a borderline music snob so I can justify it like that.
I spend a bit on books and a bit on clothes/shoes. Clothing purchases aren't extensive and do not really extend to brand names.

My biggest purchase lately was a $1500 HP computer last week. But I'm writing a thesis so I actually need it.

Vansmack · 06-23-2006, 01:55 PM

Quote:

Originally Posted by Kybosh

I can't speak for anyone else but I seriously make very little money and the vast majority is dedicated to simply surviving. Sure I wish I had more money but the bottom line is I'm doing ok right now. I have a roof over my head, I am able to afford and support a dog and I can still hang out with friends and what not. Being able to do these things on my budget is very difficult but if I can do it so can anyone else.

I wasnt saying make extravagent purchases, but you can say that you never eat out? If you are spending all you have to get by, that is one thing but i was just questioning the save everything for the future... somtimes you can forget about the present. Frank responded with a more than adequate answer, they spend a lot of time/money on their child which is awsome, children are expensive but, from what i hear, can be extremely rewarding at the same time.... that will hopefully that is only two chapters away from me in my life... marriage first, kids second (x'es fingers)

MissKat · 06-23-2006, 02:27 PM

Quote:

Originally Posted by peter12

My biggest purchase lately was a $1500 HP computer last week. But I'm writing a thesis so I actually need it.

laptop? i just bought mine recently too, $1500 with upgrades, then added another large LCD on top.

Kybosh · 06-23-2006, 02:29 PM

Quote:

Originally Posted by Vansmack

I wasnt saying make extravagent purchases, but you can say that you never eat out? If you are spending all you have to get by, that is one thing but i was just questioning the save everything for the future... somtimes you can forget about the present. Frank responded with a more than adequate answer, they spend a lot of time/money on their child which is awsome, children are expensive but, from what i hear, can be extremely rewarding at the same time.... that will hopefully that is only two chapters away from me in my life... marriage first, kids second (x'es fingers)

Oh, I still go out occassionally but it is never extravagant or frequent. It is truly pay cheque to pay cheque for this hombre. A few months ago I wasn't quite as diligent with my spending as I should've been and found myself with ten days until the next pay cheque and only ten bucks in my account

(not even enough to use an ATM. . . not to mention a $1000 accumulating visa bill). Thank you mom and dad for footing me a loan. Anyway, I think those are all important life lessons.

Not having enough money to eat really puts things in perspective, literally. Like I said previously, I try to pay myself every month to be able to do some things that I enjoy but if I have too much fun I'm likely going to starve for a bit hehe.

Log · 06-23-2006, 02:32 PM

Quote:

Originally Posted by Incinerator

Got any deals? I'm looking for a new phone and a camera

Seriously though, I pay off my bills every month and lock all the extra cash away in various forms of investments and GICs, and it's all set up and automated, so the bottom line is that it's a hassle for me to take out any extra cash to finance any impuslsive buys, and as a result, I rarely engage in such practice. My last impulse buy wasn't really an impulse buy, it was a necessity buy that ended up with a lot of impulse options...i.e. was gonna buy a $25000 car and ended up spending thousands more for one that's loaded to the gills. I don't regret it one bit though, it makes the daily commute a lot more tolerable, heck, even enjoyable sometimes.

I know exactly what you mean.... My fiance and I were looking at a used 2005 2.5L Altima..... Ended up buying a 2006 3.5 SE Altima (all leathered up)!!! Don't regret if for a second!!! We're also maxing out our RRSP's and are continuing making payments into the rainy day/trip fund...

I don't spend $... But when I do, I shoot for the fences! My fiance is the same way, not good!!! However its a good thing I am anal about investing!

MissKat · 06-23-2006, 02:33 PM

Quote:

Originally Posted by Kybosh

Oh, I still go out occassionally but it is never extravagant or frequent. It is truly pay cheque to pay cheque for this hombre. A few months ago I wasn't quite as diligent with my spending as I should've been and found myself with ten days until the next pay cheque and only ten bucks in my account

(not even enough to use an ATM. . . not to mention a $1000 accumulating visa bill). Thank you mom and dad for footing me a loan. Anyway, I think those are all important life lessons.

Not having enough money to eat really puts things in perspective, literally. Like I said previously, I try to pay myself every month to be able to do some things that I enjoy but if I have too much fun I'm likely going to starve for a bit hehe.

Sure does, ive had times like this, with pocket change and its not fun. Thankfully it was only a few days. But still...something i dont ever want to get myself into.

Are you married btw?

GrrlGoalie33 · 06-23-2006, 02:45 PM

Well, I don't want to come across as too harsh, but here it is.

The way I see it you have two choices:

The first is to shut up, get some will power and stop spending like crazy on all this stuff. If you don't:

Keep spending and spending like crazy until you have no money left, any credit cards you have are maxed to the gills and the debt collectors start calling.

There are so many more rewarding things in life than spending money. Go for a bike ride, take a walk, take some of your friends and go play tennis. Read a book, stay at home and rent some movies.

There are so many things that are way more enjoyable in life than toys. Give yourself a miniscule budget like $50 a month for your toys. When you have to save up and you finally get what you're saving for it makes it so much more rewarding, instead of having buyers remorse.

Like I said, I don't want to come across as too harsh, but I have been there, and the second (seemingly inevitable for you) path is not all that pretty. It has taken me 4 years to work my way out of 18 months of stupid spending.

MissKat · 06-23-2006, 02:51 PM

Quote:

Originally Posted by Frankster

Well, I don't want to come across as too harsh, but here it is.

The way I see it you have two choices:

The first is to shut up, get some will power and stop spending like crazy on all this stuff. If you don't:

Keep spending and spending like crazy until you have no money left, any credit cards you have are maxed to the gills and the debt collectors start calling.

There are so many more rewarding things in life than spending money. Go for a bike ride, take a walk, take some of your friends and go play tennis. Read a book, stay at home and rent some movies.

There are so many things that are way more enjoyable in life than toys. Give yourself a miniscule budget like $50 a month for your toys. When you have to save up and you finally get what you're saving for it makes it so much more rewarding, instead of having buyers remorse.

Like I said, I don't want to come across as too harsh, but I have been there, and the second (seemingly inevitable for you) path is not all that pretty. It has taken me 4 years to work my way out of 18 months of stupid spending.

No need to worry about being offensive. If anything I appreciate a post like this because this is what I need to be lectured. It makes me wake the F up and start appreciating the little things in life more. I have to put a stop to this and right now. Im going to put a certain part of my money to a savings account and not even touch it unless I absolutely have to.

And yes debt does suck indeed.

Ive made my first step and that was being able to resist my urge for the video games.

TheyCallMeBruce · 06-23-2006, 02:54 PM

Quote:

Originally Posted by MissKat

No need to worry about being offensive. If anything I appreciate a post like this because this is what I need to be lectured. It makes me wake the F up and start appreciating the little things in life more. I have to put a stop to this and right now. Im going to put a certain part of my money to a savings account and not even touch it unless I absolutely have to.

And yes debt does suck indeed.

Ive made my first step and that was being able to resist my urge for the video games.

I've manage to fight my impulse buy attitude with this philosophy..."Give it a month and if you still want it, go get it." It usually works because by the second week I tend to lose interest.

peter12 · 06-23-2006, 02:58 PM

Quote:

Originally Posted by MissKat

Sure does, ive had times like this, with pocket change and its not fun. Thankfully it was only a few days. But still...something i dont ever want to get myself into.

Are you married btw?

Hahahahaha you really don't get it. It's not that he doesn't have the money to buy steak at the Keg with his buddies, he doesn't have enough money to buy bread and butter.

MissKat · 06-23-2006, 03:15 PM

Quote:

Originally Posted by TheyCallMeBruce

I've manage to fight my impulse buy attitude with this philosophy..."Give it a month and if you still want it, go get it." It usually works because by the second week I tend to lose interest.

Thats a good one. what about, "sell it, and if i end up buying it back" is it a keeper lol.

MissKat · 06-23-2006, 03:16 PM

Quote:

Originally Posted by peter12

Hahahahaha you really don't get it. It's not that he doesn't have the money to buy steak at the Keg with his buddies, he doesn't have enough money to buy bread and butter.

I knew where he was coming from.

peter12 · 06-23-2006, 03:17 PM

Quote:

Originally Posted by MissKat

I knew where he was coming from.

Do you? I'm not purposely being insulting, but I don't think you really have an idea what living from pay cheque to pay cheque actually means.

MissKat · 06-23-2006, 03:26 PM

Quote:

Originally Posted by peter12

Do you? I'm not purposely being insulting, but I don't think you really have an idea what living from pay cheque to pay cheque actually means.

Im sure I do. There is nothing worse than not being able to afford yourself a cup of coffee. I had a guy at my work like this, in fact he hasnt changed...but his was based on a drinking problem. He would beg to people everyday at work for a dollar to buy himself a pop.

Heck, he was always so broke that he always hot rides the train on the way to work.

GrrlGoalie33 · 06-23-2006, 03:28 PM

OK, so here's some real advice for you (as opposed to my first post). Make an appointment with your bank, or enlist a financial advisor.

It sounds like you have more money than you really know what to do with. It also sounds like you're young (in your early twenties would be my guess). Take most of your money and invest it. You can invest in the stock market, bonds, GIC's and MOST importantly RRSP's. I would recommend investing as much money into RRSP's as possible at this point in your life. When it comes time to buy yourself a house and money starts to get tight you'll already have a nice little nest egg built up and you can afford to not put so much into RRSP's - not to mention the tax benefit you get from RRSP's. When it comes time to do your tax return, you'll get some money back and can spend that on the toys you want so much.