Budget issues ( concerns cont.)

SparklingWaves

Well-known member
Quote:
Originally Posted by Hilly
I am so going to be feeling extra poor this month and it's not because I hauled extra hard (I wish!). My car broke down and needed a new alternator and battery. My car is only 3 years old. As we see prices go up, is quality going down as well?


A family member said the same thing to me yesterday. She sold her old vehicle and her new is having problems that her old one never had for 10 years.

Same as with my little car, I have the head liner hanging. I had to tack it up. It's never been touched by anyone to fall like that. My old classic muscle car never needed a headliner and it was 15 years old when I sold it.
 

Hilly

Well-known member
Totally. My last car was 15 years old (same make) so I thought this one would have been even better, but dayum!

I just may haveto sell my Stereo Rose MSF this month to help pay some bills lol
 

Beauty Mark

Well-known member
I don't know a thing about cars, but I'm going to guess it's like anything you buy. It's often more expensive to fix something than it is to buy a new replacement.
 

SparklingWaves

Well-known member
Quote:
Originally Posted by Hilly
Totally. My last car was 15 years old (same make) so I thought this one would have been even better, but dayum!

I just may haveto sell my Stereo Rose MSF this month to help pay some bills lol



Oh, I know how much you love Stereo Rose. I hope you don't have to sell it.
 

user79

Well-known member
Quote:
Originally Posted by SparklingWaves
12 Poor Spending Habits

The Top 12 Dumbest Spending Habits Forcing Americans into Bankruptcy

Comment: I thought this had good advice.


Def some great advice there.

I agree that buying on credit and paying later, racking up credit card debt, and leasing expensive cars are 3 huge factors that can take a huge toll on your budget. I don't do any of those 3, and I don't do a lot of the stuff on that list, either.

Basically, I just don't live beyond my means and I have a set amount that is automatically deducted from my salary account each month and deposited into a savings account. I make sure I can live off my salary account, and save up the money on my other account until I need something more expensive, or want to go on a vacation, or whatever.

I think that financial responsibility is a huge issue that is passed on from parents to their children at a very early age. My parents were def not poor (but not overly rich either), but they could afford to buy my sister and I various luxuries if they had wanted to. But they didn't! We received a very moderate allowance each month, and if we didn't have any money left at the end of the month, well, then we just weren't going to go be able to see that movie with friends, or go shopping. So we learned how to manage our budget from very early on, and knew what it was to be thrifty or to save up. I ended up buying a lot of second hand clothes as a teen.

They encouraged us to earn our own money and I started working my first real part time job while still in highschool when I was 16 years old, which was a huge responsibility. Before that, my sister and I also used to babysit to earn some extra spending money, which we would save up to buy things. I think we started getting an allowance already when we were 6 years old (like $2 a week or something small) so we knew what money is, and how its works. Obviously that sum progressed as we got older, but I didn't have the biggest allowance compared to some of my friends.

I am really glad in a way that my parents didn't spoil us with lots of clothes and gifts and cell phones and huge allowances, I def think that is the reason why I am now financially responsible. I know parents who give their kids credit cards and cell phones, who then rack up huge bills that the parents dutifully pay, and I just think that is the most irresponsible thing to do and will not teach their kids to learn how to budget wisely.
 

benzito_714

Well-known member
broke is the story of my life.
I get so upset when i think of my expensive bachelor degree, no having job self. And what makes me more upset is when people think that because i have a husband i am ok with not working and living off him. Let's get somethings straight being a housewife with no money is not fun nor is it a choice, but thankfully we have survived and it aint all bad.
 

Bootyliciousx

Well-known member
Quote:
Originally Posted by SparklingWaves
Doctors and routine tests---I go for a routine doctor visit and she suggests that I get a mammogram. I am thinking $$$ and she thinks that I might need surgery. I am thinking that is major $$$. I am thinking about not having the darn tests. I can't live in debt from a MRI or a mammogram. Tests aren't a necessity to me anymore. Sadly, it's true.

While I understand the budget constraints that you have, your health is a major concern. You should definitely have the mammogram and if needed an MRI. Many hospitals, imaging centers, and radiologists will work out a payment plan if you can't pay immediately. Some states have programs that offer free or low cost mammograms to those who have no health insurance or are under insured. I know this is easier said than done, but depending on your circumstances, there maybe help available to you.


I agree, you should definitely get a checkup. Your health is something you do not want to procrastnate on. Alot of times things can be prevented or stopped when catched earlier on.
yes.gif
 

iheartcolor

Well-known member
"So sorry this happened! (((HUGS))))!!!
Our 2 little lovebirds, Cathy & Jimmy Cats,
couldn't hold out until their vet appts, back in December
winks.gif
We are now a 2-family-house! I don't imagine we'll be able to give up the 3 new little kittens (photos posted in "Say Cheese" forum. ) I think we will need pet insurance.
"

Oh please DO get pet insurance! I was a RVT (Registered Veterinary Technician) at an Emergency/Critical Care/Specialty facility for 7 years. Pets can get very costly, very quickly. We had someone spend $20k on a dog that was hit by a car. Yes, 20 ThOUSAND dollars. That may be the extreme, but an "simple" ER visit can easily ring up to hundreds of dollars. I won't jump on a soap box about pet care here - promise.
winks.gif


Pet insurance may not be perfect - but it can be a real life-saver!

-Lauren
 

SparklingWaves

Well-known member
Quote:
Originally Posted by MACa6325xi

I agree, you should definitely get a checkup. Your health is something you do not want to procrastnate on. Alot of times things can be prevented or stopped when catched earlier on.
yes.gif


I've decided to do the ultrasound first this Wednesday. I am going to see how much my insurance pays on that. I will then go for the other test. So, I will pay for one get all the costs out of the way. Then, I will take care of the other.

Last Sunday, one of my dogs had an unexpected emergency. The charge was $500.

Every time I turn around, I see something else go up or some enormous fee hit from no where.

In relation to property, I am not a person that has to hang on to something just for the sake of it. People can loose everything by doing that. Things aren't worth that to me. I am very thankful for what I own today, but I will give it up in a flash to make it & stay out of financial ruin.

I will set up home in my Grandpa's place and call it home in a minute to help cut costs need be. My husband & I have talked about it. He agrees. We don't know where the economy is headed, but we are on the same page about that issue.

I remember hearing my Grandfather whispering prayers 1st thing in the morning and before he rested. He listed each person in his family. I do believe I and others in my family are still riding on the positive energy of his words.
smiles.gif


Sending that energy to others who need it. ---->
 

SparklingWaves

Well-known member
Quote:
Originally Posted by iheartcolor
"So sorry this happened! (((HUGS))))!!!
Our 2 little lovebirds, Cathy & Jimmy Cats,
couldn't hold out until their vet appts, back in December
winks.gif
We are now a 2-family-house! I don't imagine we'll be able to give up the 3 new little kittens (photos posted in "Say Cheese" forum. ) I think we will need pet insurance.
"

Oh please DO get pet insurance! I was a RVT (Registered Veterinary Technician) at an Emergency/Critical Care/Specialty facility for 7 years. Pets can get very costly, very quickly. We had someone spend $20k on a dog that was hit by a car. Yes, 20 ThOUSAND dollars. That may be the extreme, but an "simple" ER visit can easily ring up to hundreds of dollars. I won't jump on a soap box about pet care here - promise.
winks.gif


Pet insurance may not be perfect - but it can be a real life-saver!

-Lauren


Thanks for this information. I will check it out. It was several years back that I looked into it. I will have to update my information.

I am getting all my pets rabies shots tomorrow from the SPCA fair. It cuts down costs too.

$20,000 vet bill -
jawdrop.gif
 

User93

Well-known member
th_WeAreDoomed.png
Just kidding.



Thats a really great topic to talk about girls

Like you've said before, practically everyone faces budget issues now. As for me, i've seen really different lifestyles, when i was a kid, the money was really tough. I've seen really different lifestyles, some results of the civil war, saw people really hardly making it. We were living in Georgia (not a state in the US, but a country), it was really tough, we were used to have no electricity, and to have hot water my grandparents used to have a small gas tank in the bathroom. Only later my grandma told me it could explode any day. Then, when we moved, we didnt have much money aswell. We survived only thanks to my Mom. Seriously, she was working so hard to make a living. We tried to save up as much as possible, for example buying some apples, and after eating them making some compote from the left pelt. Also, at my Mom's jobs they were giving away some tickets to the circus or theatre, is was free, and really good places, i loved it. But we had no money to buy food there in a brake (wow, things there are really expensive even now, small Lays for 4$ - how cool is that), so she always took a snack for me from home.

But see, the one most important thing - i swear, i see my childhood as a completely awesome time. I love it. I never ever felt lack in anything. Now, when i grew up we talked with Mom about it. Yeah, we were really broke, the was a finacial crysis in the country, a lot of people were aswell. But i never ever felt broke or poor. Kids are extremely sensitive. But what i remember from those times, are only good things. I swear. Thats all thanks to my awesome parents, and Mom especially. I never had that feeling like "some kids have that and i dont". Money situation is really just how you see it. I know people, for who 1000$ a week wont be enough, as they can't afford new designer jeans/bags every month. Really, the only way to be happy is to be happy with what you have. "the happy person is not that one who has a lot, but the one who has enough", they say.

But back to the subject - yeah, what if we don't have even "enough". Now i live together with Mom. Finacial situation changed since those times, we are ok. She pays the bills, buys food, gives me some allowance etc. But some time ago i started to worry about finances myself. My Mom gives me all i need, and even more. Still, i'm not spoiled at all, i wont feel good at all asking her to buy me a new MAC lipstick or a new shade of grey. Here things are way more expensive, due to shipping shadow will be about 23$ :/ So i was always saving up for such things. I was also saving up to buy my family presents, but yeah, this things are not that much. Some time ago i started to thing about travelling. My Mom sponsors my travels to the seaside/Europe, but i wanna go more far away, and thats really pricy. I need about 1800$ just for a ticket. I will never ever ask my parents to buy me one, So i started saving up for such things.

Things here are expensive really. BUt i've noticed that even if you can't save up on something big, reducing your expenses in daily life helps a lot. I don't own a car. To go to my college, i need to get to the subway station first. I can go by public bus, ot pay 1$ and go in a litte van, it goes by the same route. I was always taking it, well, thats more comfortable really, you sit there the whole way. But its 2$ a day. 14 $ a week, as i study 7 days a week. In another words, i can buy a lipgloss just giving this thing up. So i did. Also, i try not to buy any sneaks on my way. Chips or those choco bars only make me fatter, i'd rather eat at home as i get back - thats the economy of another 2$ a day. I go to the cinemas/out less, its good aswell, cause i have to study hard these days. When we have break in the timetable, me and my girls (they have money issues aswell, who doesnt really) try not to go to the Fridays, which is next to my college (thats a seduction really), or to drink coffe, but to eat in our college canteen. Thats 1-2$ a meal. And thats tasty.
Another great decision was selling my old stuff. I have lots of clothes/shoes i dont wear at all. I bought them in a rush, i even have shoes which are way too big for me, but i bought them anyways. In a local forum we have a thread about swaping/selling goodies, so i put pics of them there, i dont ask much for them, really, regarding how much i paid for it, thats almost free. Still, it helps me to float a little. I dont wear that anyways. I studu all day long, but get a temporary job any time i can. I work as a translator on international conferences, or just as an assistant. This doesnt make me much money here, but i'm happy about it.

And the last thing - sometimes this 24/7 saving up makes you feel completely poor and miserable. So i would say think twice before buying something, but still, make yourself little presents. Sometimes that new MAC lipgloss or w/e makes you feel better than anything. Also, if you see something for cheap, i think its better to get that, as long as you need it really.

This things in my childhood I was talking about have taught me SO MUCH. I grew up not spoiled at all. I love it. I hang with some people here, who's only goal in life is showing off a new ride or new clothes. I think thats just being a hollow soul. Lets just value what we have, and be happy with our lives.

I'm sending good vibes to all of you, girls. I've read the whole topic as it really touches me. Obreathemykiss, i'm really sorry to hear what happened with your dog, well, thats good everything is fine now. KikiB, i get you, good luck in everything. SparklingWaves, thanks for craeting this thread first of all, good luck in saving up, and really, you should go to the doctor. Its like going to the dentist - its pricy, but its not a thing which can get better by itself. Best wishes for all of you girls, sorry if i didnt mention anyone, i paid attention to all the posts.

I'm sooooo sorry for such a huge post
omg.gif
. It's up to you either to read it or not, i just felt like sharing. Good luck in saving up for all of you, and lets value what we have already. *positive vibes*
 

Hilly

Well-known member
Lately, and probably ever since this thread was started originally, I have been thinking. Material goods make me feel good for like what, a couple of hours, maybe a day? Then they get old and I want the new and improved one (makeup is the big one I am hinting at). I am barely using what I own. So I have been trying to sell some of it on here.

So what should I do to make mysef happy? Be with friends, learn new things, explore life. I will remember these things for a hell of a lot longer than I would from buying a Fafi lipglass or Heatherette Pallet.

I once became a materialistic cow and was getting so many things. My room looked like a store, my closet held clothes with original tags, and my vanity had so many scents on it- I coud sneeze for days.

Then one day, something clicked. I didn't need this shit. I felt like an ugly person on the inside. So what did I do? I held a clothing drive at my school that year for the hell of it and got rid of EVERYTHING. I did it again my senior year. These are the activities I am talking about. I did something I was very proud of. I will always remember these experiences, rather than the clothes that were a fad or the scents that made me sneeze.
 

SparklingWaves

Well-known member
I loved your post, Alibi.

I just can't relate to what all my nieces and nephews have at all. As a kid, I wasn't materialistic. I didn't want a bunch of stuff. I had to take really good care of my toys, clothes, and shoes. It made me appreciate things.

I wasn't into buying things. I was a creator, amateur scientist, and an inventor. LOL I was into creating and coming up with things from materials around the house. I could really come up with some funny things.

Ok, I promise not to make homemade fake fingernails from straws again.
smiles.gif
 

SparklingWaves

Well-known member
I hear you, Hilly. I curbed my shopping for m/up tremendously. I thought about how rich I was making these m/up companies and I said, "I am not helping them pay their bill for their enormous mansions. I need to apply that money in my savings & bills." Please, my dogs can't tell one pink lipstick from another. My husband doesn't care either. He doesn't say much about anything I wear unless it's really bright or too dark.
 

ratmist

Well-known member
Quote:
Originally Posted by Hilly
I once became a materialistic cow and was getting so many things. My room looked like a store, my closet held clothes with original tags, and my vanity had so many scents on it- I coud sneeze for days.

Then one day, something clicked. I didn't need this shit.


It's funny you mention this. I find that it's very easy to save money because I can't actually think of anything I *need* beyond the stuff I already have, excepting the obvious food/electricity/utilities.

It's amazing how free you feel when you realise 99% of the stuff on the high street and in the department stores... is just stuff you don't need.

It also helps having a small house with limited storage, heh.
 
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