GandalfDaGangsta_007 t1_j9ahuc4 wrote
I have little pitty for people that live paycheck to paycheck due to their own bad spending and complain about not having money.
“No one ever taught me to budget/save”
Well, you want to save money but end up spending everything. How about you simply don’t buy as much stuff you don’t need?
doyouhavetono OP t1_j9ahyve wrote
what about people who live paycheck to paycheck because rent is 950/month and they only earn 250 a week?
GandalfDaGangsta_007 t1_j9aiabp wrote
That is definitely different. My point was for people who could easily save and don’t because they spend it all after meeting all their needs
doyouhavetono OP t1_j9aijzz wrote
Yeah I get you, I've made a habit of asking people that question as it's the reality for a lot of people where I'm from, and most people I know who state they live paycheck to paycheck are in that situation
OkMarsupial t1_j9aku5l wrote
I had a conversation with someone about this a while ago. I said, when I was first starting out in life, I would get paid, take care of my expenses, and then if I made it to the next check with any money left over, I'd mentally lock that money away. It didn't even go in another account, but it just wasn't spending money anymore, because I'd already proven I didn't need it. They said, "oh, when that happened to me, it meant I could spend all of the remaining money on garbage, because I'd already proven I didn't need it." Same exact line of thinking, opposite conclusion and action.
GandalfDaGangsta_007 t1_j9atrmg wrote
I make decent money but still spend like I did when I was making 45-50K a year.
I was able to cover my expenses then and still live pretty comfortably. Stuff could be a bit tight, but never to the point where I had concern about not being able to do/buy something I wanted/needed.
To this, I also believe making more money does not mean you should spend more money. I will drive a nice Toyota RAV4 rather than having a BMW SUV.
I will buy a $300,000 house rather than a $700,000 house.
I won’t eat out any more often than I do (which I rarely do anyway).
I will comfortably buy wants and treat myself slightly more often, but otherwise I’m all about saving.
$5 a day is $1,800 a year. Not buying a coffee/snack every day literally allows me to go on a vacation and possibly still not spend as much as buying a $5 drink/snack every day lol.
AnthraciteKid t1_j9b80dq wrote
What if the person has mental ilness that makes them impulsive in money spending. Sure, still their own fault but you but be more forgiving.
Viewing a single comment thread. View all comments