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Fred Says: "Live Within Your Means"
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<blockquote data-quote="TUT" data-source="post: 1171734" data-attributes="member: 29298"><p>Yeah I'll just file it under personality/limits of medium differences.</p><p></p><p>Here is what I find ideal lower level for quality American living.</p><p></p><p>-Own a $100k to 200K house </p><p>-$125 at the grocer a week on avg</p><p>- Each adult has a car, car value of 12K'isn when bought, good for 7 years.</p><p>- Eat out when we have the fancy, but also know in our minds there is a limit.</p><p>- Have a $125 cable/internet bill.</p><p>- Catch a movie now and again, like eating out, sort of have an internal limit on what is reasonable for you.</p><p>- Put money away into some type of retirement, that is straight from the paycheck. And carry a rainy day fund that you like to keep a couple to several K in it.</p><p>- Don't have to save for yearly renewals, the monthly budget has enough left over for misc things of that nature.</p><p>- When paying the bills, have the income to cover it, review credit balances that they aren't escalating. Same as checkbook, that it stays positive and preferably growing.</p><p>- One solid vacation per year. Figure $2500 overall cost.</p><p></p><p>This is a system where you figure out your means, and each month you do a quick check of checking and credit to see how you done. If a large unexpected expense happens or what have you... then you buckle down a month or two.</p><p></p><p>Hey you aren't wrong by any means and from your replies as you say you got income, your first list just sounds like you really had to budget hard to make it. It's just how you like to grind it, there is never nothing wrong with staying on top of it, but I'd like to be a bit more loose and just know how I can live day to day without total micromanagement.</p><p></p><p>Another core principal. The next generation should do better than the last and the older generation should expect that and not ever say "kids these days", because really it is "adults these days". This isn't spoiled (in general) this is technology enhancing lives and breaking down barriers. To bad we are failing here at this time.</p></blockquote><p></p>
[QUOTE="TUT, post: 1171734, member: 29298"] Yeah I'll just file it under personality/limits of medium differences. Here is what I find ideal lower level for quality American living. -Own a $100k to 200K house -$125 at the grocer a week on avg - Each adult has a car, car value of 12K'isn when bought, good for 7 years. - Eat out when we have the fancy, but also know in our minds there is a limit. - Have a $125 cable/internet bill. - Catch a movie now and again, like eating out, sort of have an internal limit on what is reasonable for you. - Put money away into some type of retirement, that is straight from the paycheck. And carry a rainy day fund that you like to keep a couple to several K in it. - Don't have to save for yearly renewals, the monthly budget has enough left over for misc things of that nature. - When paying the bills, have the income to cover it, review credit balances that they aren't escalating. Same as checkbook, that it stays positive and preferably growing. - One solid vacation per year. Figure $2500 overall cost. This is a system where you figure out your means, and each month you do a quick check of checking and credit to see how you done. If a large unexpected expense happens or what have you... then you buckle down a month or two. Hey you aren't wrong by any means and from your replies as you say you got income, your first list just sounds like you really had to budget hard to make it. It's just how you like to grind it, there is never nothing wrong with staying on top of it, but I'd like to be a bit more loose and just know how I can live day to day without total micromanagement. Another core principal. The next generation should do better than the last and the older generation should expect that and not ever say "kids these days", because really it is "adults these days". This isn't spoiled (in general) this is technology enhancing lives and breaking down barriers. To bad we are failing here at this time. [/QUOTE]
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