Do we live beyond our means ? (42)
This years budget for most folks. All you make.all you can borrow,all you can charge...........plus 15%.
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RillyNiceGuy: This years budget for most folks. All you make.all you can borrow,all you can charge...........plus 15%.
More like 24% when you factor in the "Fine Print".
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Me too, I remember gas .35 gallon. House 30,000. A buschel of
prunes for 3 dollars.
prunes for 3 dollars.
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"A buschel of prunes for 3 dollars". Damn, a 59 cent pack of Ex-lax would have done the trick.
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gentlepaws: "A buschel of prunes for 3 dollars". Damn, a 59 cent pack of Ex-lax would have done the trick.
For some people Ex-lax works, for others prunes seems to be
the solution. I personally never had the problem. Not that
anybody would want to know.
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i have 2 beautiful acres w/ a good house for 37k
and i live in a good town
and i always save and buy a used car
and seriously what crap!
credit is not necessary
there was a time when financial responsibility was taught and thats how we all did
i know lots of people that save to buy something and are debt free
debt isnt some big monster that we are in danger of
its greed and whispers of society- media and social circles
if i want it i save for it
i appreciate it more and sometimes
before i have it all saved for the item,
the impulse is passed and im so damn grateful i didnt
spend on it in the first place cuz it was dumb and i didnt need it
and then viola' i have money in hand to continue saving, or take a trip or donate to something or whatever
why do people play victim to money rather than use it as the tool that it is and in my hand i get to choose how to wield it
and i live in a good town
and i always save and buy a used car
and seriously what crap!
credit is not necessary
there was a time when financial responsibility was taught and thats how we all did
i know lots of people that save to buy something and are debt free
debt isnt some big monster that we are in danger of
its greed and whispers of society- media and social circles
if i want it i save for it
i appreciate it more and sometimes
before i have it all saved for the item,
the impulse is passed and im so damn grateful i didnt
spend on it in the first place cuz it was dumb and i didnt need it
and then viola' i have money in hand to continue saving, or take a trip or donate to something or whatever
why do people play victim to money rather than use it as the tool that it is and in my hand i get to choose how to wield it
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mindfful: i have 2 beautiful acres w/ a good house for 37k
and i live in a good town
and i always save and buy a used car
and seriously what crap!
credit is not necessary
there was a time when financial responsibility was taught and thats how we all did
i know lots of people that save to buy something and are debt free
debt isnt some big monster that we are in danger of
its greed and whispers of society- media and social circles
if i want it i save for it
i appreciate it more and sometimes
before i have it all saved for the item,
the impulse is passed and im so damn grateful i didnt
spend on it in the first place cuz it was dumb and i didnt need it
and then viola' i have money in hand to continue saving, or take a trip or donate to something or whatever
why do people play victim to money rather than use it as the tool that it is and in my hand i get to choose how to wield it
and i live in a good town
and i always save and buy a used car
and seriously what crap!
credit is not necessary
there was a time when financial responsibility was taught and thats how we all did
i know lots of people that save to buy something and are debt free
debt isnt some big monster that we are in danger of
its greed and whispers of society- media and social circles
if i want it i save for it
i appreciate it more and sometimes
before i have it all saved for the item,
the impulse is passed and im so damn grateful i didnt
spend on it in the first place cuz it was dumb and i didnt need it
and then viola' i have money in hand to continue saving, or take a trip or donate to something or whatever
why do people play victim to money rather than use it as the tool that it is and in my hand i get to choose how to wield it
You must replace Henry Paulson.
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oh and gas is 2.38 a gallon today
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gentlepaws: Yes we do, but we have no choice. The average N. American car is about $19,000.00, a house, $189,000.00, food and other necessities, about $12,000.00 a year. Our pay structure has not kept up in any way over the past 20 years. Unless you're a DINK, (Double Income, No Kids ) you don't stand a chance. Credit is the only option, and credit is designed to keep us toiling 'till we drop dead.
For you youngins' out there, I remember when a loaf of bread was 18 cents. A gallon of gas was 21 cents. A 3 bedroom house was $12,000.00. A glass of draught beer was 10 cents. Credit cards didn't exist. No , don't even go there, because it wasn't all that long ago.
For you youngins' out there, I remember when a loaf of bread was 18 cents. A gallon of gas was 21 cents. A 3 bedroom house was $12,000.00. A glass of draught beer was 10 cents. Credit cards didn't exist. No , don't even go there, because it wasn't all that long ago.
I agree and disagree...
We have many many more **THINGS** to waste money on these days. ie:cell phones, a cordless phone in almost every room of the house, tv-vcr-dvd combo.. in 2 or more rooms with very expensive video games attached, Computers with lcd monitors-printer with ink costing almost $40 for a very small cartridge-fax-web cam- paper shredder- surround sound- digital camera, I could go on forever.................
things we really don't need to have a **good** life.
we have just become a want it all society, the easy life.
And a lazy fun fun life.
working so damn hard as in years past isn't fun?!
So many want it all without working for it and buying it on credit without realizing how much it was going to cost to pay it all back, and that if we stop and look real hard.. we can't pay it back.
A good way to look at it would be........ everyone has accidents.
If you were to have an accident tomorrow and can't work for ^ months.. a year... 2 years............what would it do to you?
Very few people actually have $$$$ in the bank because it is all in credit.
How long would the $$$$ we have in a bank sustain you?
or would you loose it all if you couldn't work for a year???
Personally.... If I can't pay cash for it, I don't really need it.
Have never had a credit card and wont.
I live a simple life and save for what I want.. then buy it.
do the math people.......... over 20% interest on a credit card.........thats a hell of a lot of money out the window.
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mindfful: i have 2 beautiful acres w/ a good house for 37k
and i live in a good town
and i always save and buy a used car
and seriously what crap!
credit is not necessary
there was a time when financial responsibility was taught and thats how we all did
i know lots of people that save to buy something and are debt free
debt isnt some big monster that we are in danger of
its greed and whispers of society- media and social circles
if i want it i save for it
i appreciate it more and sometimes
before i have it all saved for the item,
the impulse is passed and im so damn grateful i didnt
spend on it in the first place cuz it was dumb and i didnt need it
and then viola' i have money in hand to continue saving, or take a trip or donate to something or whatever
why do people play victim to money rather than use it as the tool that it is and in my hand i get to choose how to wield it
and i live in a good town
and i always save and buy a used car
and seriously what crap!
credit is not necessary
there was a time when financial responsibility was taught and thats how we all did
i know lots of people that save to buy something and are debt free
debt isnt some big monster that we are in danger of
its greed and whispers of society- media and social circles
if i want it i save for it
i appreciate it more and sometimes
before i have it all saved for the item,
the impulse is passed and im so damn grateful i didnt
spend on it in the first place cuz it was dumb and i didnt need it
and then viola' i have money in hand to continue saving, or take a trip or donate to something or whatever
why do people play victim to money rather than use it as the tool that it is and in my hand i get to choose how to wield it
Maybe in Missouri, but most people would rather live in a real society.
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Just f**king with ya. You know me better than that.
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gentlepaws: Maybe in Missouri, but most people would rather live in a real society.
""Most people""
are on the verge of loosing it all!
Glad I'm not one of most people!
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rasgumby: ""Most people""
are on the verge of loosing it all!
Glad I'm not one of most people!
are on the verge of loosing it all!
Glad I'm not one of most people!
Neither am I. I've never tried to keep up with the Jone's. In fact, I've never known anyone with that name.
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In 1984, Canadians owed about $187 billion in personal debt. Today we owe more than $801 billion. Has your salary kept up ? I think that it would be similar in the U.S., and Europe.
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I've never believed in credit cards. All they do is get you into debt. I've always paid for things with cash. I own my own accounting business so I'm pretty stable.
I don't reside in a fancy place but it's mine. Well sorta.
I don't reside in a fancy place but it's mine. Well sorta.
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gentlepaws: In 1984, Canadians owed about $187 billion in personal debt. Today we owe more than $801 billion. Has your salary kept up ? I think that it would be similar in the U.S., and Europe.
why should employers help keep up w/ debt?
dont accrue debt-just a wild idea
we dont owe nothin-maybe they owe 801 billion...
just say no
is it so difficult?
i just seriously dont want a bunch of stuff
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gentlepaws: In 1984, Canadians owed about $187 billion in personal debt. Today we owe more than $801 billion. Has your salary kept up ? I think that it would be similar in the U.S., and Europe.
I still think most of the debt is caused by buying so much crap that we really don't *need*
Not because our salary hasn't kept up.
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somechick: I've never believed in credit cards. All they do is get you into debt. I've always paid for things with cash. I own my own accounting business so I'm pretty stable.
I don't reside in a fancy place but it's mine. Well sorta.
I don't reside in a fancy place but it's mine. Well sorta.
exactly
its all about insecurity and the stuff we think we need to have and then we will somehow be ok, or good enuf, or arrived
screw that
best thing ive ever matured into-and its ongoing
is that stuff aint gonna make me feel better and often makes me feel worse
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rasgumby: I still think most of the debt is caused by buying so much crap that we really don't *need*
Not because our salary hasn't kept up.
Not because our salary hasn't kept up.
this govt is thrilled to bits the citizens have 181 channels and fridges in their la-z-y boys and video games and the next phone or ipod every 4 months
we are all so distracted in pursuit of stuff we've no idea whats goin on
and when we figger it out we are already to obese and worried about our own butt or what people will think we dont wroite letters to reps-we dont march w/ signs we just do this very thing
ridiculous
turns out the greasy wheel just pisses me off-no grease
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Created: Oct 2008
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For you youngins' out there, I remember when a loaf of bread was 18 cents. A gallon of gas was 21 cents. A 3 bedroom house was $12,000.00. A glass of draught beer was 10 cents. Credit cards didn't exist. No, don't even go there, because it wasn't all that long ago.