And you thought you had it bad
- Thread starter elgordoboy
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"..Kudos on your thriftiness, but it sounds like you might be denying yourself too many things - so many great experiences may have a price tag, but the memories and joy are priceless!..."
I don't need to spend money: I get my jollies for free on this board.
You keep your "eyes on the prize" (for lack of a better quote) and
you will get to where you want to be.
I don't need to spend money: I get my jollies for free on this board.
You keep your "eyes on the prize" (for lack of a better quote) and
you will get to where you want to be.
You paint everything with too broad a brush, it seems. Some people may have the means for those 'little things' and it's no big deal and doesn't impact their finances in the slightest. Folks like yourself may have the means and choose to spend their money on other things (or save more of it), but you do say "it's a bummer", as if you are denying yourself something you might enjoy.
Then there are the folks like the aforementioned Duncan's who should not be buying any of the things you mention.
very true on hondas,toyotas.....very untrue on the rest, domestics. the biggest depreciating asset normally is your brand new car. que Shelly for the real estate depreciation quote.
"Some people may have the means for those 'little things' and it's no big deal and doesn't impact their finances in the slightest."
First, I am glad we are done picking on the poor Duncans. It is so much easier to see the spec in our brother's eye. But I like where this is going. It seems we have so much negativity in this forum. If things go great, then I am a genius. If things go poorly, then it's not my fault. It's Bush, Government, Mortgage brokers or even you real estate folk.
There is no requirement to spend what you make regardless of financial impact. Self indulgence certainly isn't a virtue. While I don't look at the best use of every dollar, I have enough Scot in me to look at an ROI on many purchases. (I buy Starbucks brand for my home brewing!)
First, I am glad we are done picking on the poor Duncans. It is so much easier to see the spec in our brother's eye. But I like where this is going. It seems we have so much negativity in this forum. If things go great, then I am a genius. If things go poorly, then it's not my fault. It's Bush, Government, Mortgage brokers or even you real estate folk.
There is no requirement to spend what you make regardless of financial impact. Self indulgence certainly isn't a virtue. While I don't look at the best use of every dollar, I have enough Scot in me to look at an ROI on many purchases. (I buy Starbucks brand for my home brewing!)
"Some people may have the means for those 'little things' and it's no big deal and doesn't impact their finances in the slightest."
True.
Everyone's situation is different. If a 5 buck Starbucks
is immaterial to your bottom line, then great
But there seems to be a 'disconnect' in many people concerning
their priorities and their resources.
Which is fine. It creates opportunities for others.
That's capitalism.
If someone blows all their money on booze and cars, it's
not the fault of the brewery or the auto companies for
taking advantage of that person's flaws.
Or is it?
And if someone buys a house and pays too much money for it,
or borrows money under extremely unfavorable terms, and then loses
said house to foreclosure, is it the fault of the real estate agent
who sold them the house, or the loan officer who lent the money?
If I am in a situation where I DO need to watch the "little things"
in order to get to where I want to be financially, then who is
responsible for that?
Me. And it's up to me to do something about it. Which I am.
As for the Duncan's, they placed themselves in the public eye
and they should expect a measure of abuse.
Just as I expect a measure of abuse by posting non-mainstream
opinions here.
And am rarely dissapointed.
True.
Everyone's situation is different. If a 5 buck Starbucks
is immaterial to your bottom line, then great
But there seems to be a 'disconnect' in many people concerning
their priorities and their resources.
Which is fine. It creates opportunities for others.
That's capitalism.
If someone blows all their money on booze and cars, it's
not the fault of the brewery or the auto companies for
taking advantage of that person's flaws.
Or is it?
And if someone buys a house and pays too much money for it,
or borrows money under extremely unfavorable terms, and then loses
said house to foreclosure, is it the fault of the real estate agent
who sold them the house, or the loan officer who lent the money?
If I am in a situation where I DO need to watch the "little things"
in order to get to where I want to be financially, then who is
responsible for that?
Me. And it's up to me to do something about it. Which I am.
As for the Duncan's, they placed themselves in the public eye
and they should expect a measure of abuse.
Just as I expect a measure of abuse by posting non-mainstream
opinions here.
And am rarely dissapointed.
What ever happened to personal responsibility...It seems to me that a lot of people try to blame others for their problems..
Didn't you get the memo? Personal responsibility is out. Playing victim is in.
It all starts with the downfall of certain types of parenting, mainly discipline, which hurts a child's 'self esteem', or so some would have us believe.
Didn't you get the memo? Personal responsibility is out. Playing victim is in.
It all starts with the downfall of certain types of parenting, mainly discipline, which hurts a child's 'self esteem', or so some would have us believe.
What a crock - my parents were strict disciplinarians and both my and my brother's self esteem levels are quite healthy!
Sometimes life sucks and it's noone's fault but yours! Hopefully it teaches you to make a better choice the next time.
That is my point - I agree 100%. The espousal by mamby pamby types that 8 year little Johnny needs to be self-actualized and can do no wrong brings about the lack of personal responsibility and an entitlement/victim attitude in later years when little Johnny makes the wrong choice(s).