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Fred Says: "Live Within Your Means"
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<blockquote data-quote="TUT" data-source="post: 1171154" data-attributes="member: 29298"><p>SJH your plan for you sounds great and always there are leasons like that we all should have to a point, certainly. It took many years for my wife to settle down and really understand the value of a $ and how instant gratification is like a quick sugar high. We also have one family we are friends with where the wife is out of control and is exactly what you write about, spends on junk, always complains, can't see herself and what she is doing....</p><p></p><p>I also wanted to answer your questions on "how I concluded scraping by", perhaps I am wrong, but I will answer your question from your original post. </p><p></p><p>-We rent, but we rent cheap </p><p>-I menu plan every meal, </p><p>-And we save for every purchase. </p><p> -For example, $9 every month gets put into our savings account so we can pay our annual Costco membership</p><p> -we do the same for our car insurance, etc. </p><p>-We drive an inexpensive, paid-off car</p><p> -and one complete beater. </p><p>-Eat out maybe twice a month as a family, and then groupon our dates. </p><p>-The only movies we ever go out to see are drive-ins with the kids a couple times a year.</p><p> -We don't have cable - just netflix. </p><p>-If I spend too much, that's it. I did that with food last month. but my kids will eat oatmeal</p><p></p><p>To me that looks like you have to really plan each month for survival (or in your case taking from your unemployment nest egg) on things that aren't luxury imo. There are some nice little things in there, but far from being spoiled and over the top. I'd like to see you have a bit more breathing room than that, perhaps not even doing more than what you are doing today, but not having to crunch numbers often to know you can do the above without really looking into you ledger, knowing you have it covered no sweat. </p><p></p><p>Now if I am wrong it must be a cultural/comprehension/expectations difference and for that I apologize. But to me it's all good as this is what a public forum is about, this is very anonymous and we get to compare ideas and get blunt replies.</p><p></p><p>And my last words in my first reply. That is not what a strong economy makes. What you are doing are signs of a weak economy. To me you sound wonderful and deserve even just a wee bit more, but then again you do have several months in the bank... Eh what do I know...</p></blockquote><p></p>
[QUOTE="TUT, post: 1171154, member: 29298"] SJH your plan for you sounds great and always there are leasons like that we all should have to a point, certainly. It took many years for my wife to settle down and really understand the value of a $ and how instant gratification is like a quick sugar high. We also have one family we are friends with where the wife is out of control and is exactly what you write about, spends on junk, always complains, can't see herself and what she is doing.... I also wanted to answer your questions on "how I concluded scraping by", perhaps I am wrong, but I will answer your question from your original post. -We rent, but we rent cheap -I menu plan every meal, -And we save for every purchase. -For example, $9 every month gets put into our savings account so we can pay our annual Costco membership -we do the same for our car insurance, etc. -We drive an inexpensive, paid-off car -and one complete beater. -Eat out maybe twice a month as a family, and then groupon our dates. -The only movies we ever go out to see are drive-ins with the kids a couple times a year. -We don't have cable - just netflix. -If I spend too much, that's it. I did that with food last month. but my kids will eat oatmeal To me that looks like you have to really plan each month for survival (or in your case taking from your unemployment nest egg) on things that aren't luxury imo. There are some nice little things in there, but far from being spoiled and over the top. I'd like to see you have a bit more breathing room than that, perhaps not even doing more than what you are doing today, but not having to crunch numbers often to know you can do the above without really looking into you ledger, knowing you have it covered no sweat. Now if I am wrong it must be a cultural/comprehension/expectations difference and for that I apologize. But to me it's all good as this is what a public forum is about, this is very anonymous and we get to compare ideas and get blunt replies. And my last words in my first reply. That is not what a strong economy makes. What you are doing are signs of a weak economy. To me you sound wonderful and deserve even just a wee bit more, but then again you do have several months in the bank... Eh what do I know... [/QUOTE]
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