The problem with being budget minded is other people.

[geneandmegan]

Re: The problem with being budget minded is other people.

What did you do wrong? You let your feelings get hurt because some giant CC company doesn't like you. Why don't they like you? Because you paid them on time and more than the minimums. They hate people like you.

If you can "easily" pay them back then why in the world do you have a CC????? Cut it up. Quit getting upset because they don't like you. Move on and eliminate debt 100%. Then they really won't like you. :-)

CC companies want you to pay the minimum forever. Screw them.

Why do you need them???

cbmeeks

Rock on! Absolutely!!! Honestly, if you're using so little of the card, perhaps you could do without it? What about a debit card? Those work just as well for pretty much everything that a credit card works for, but unlike a credit card, won't get you into trouble if - God forbid - something goes wrong. Also, how about an emergency fund? Three to six months of your expenses saved up = very little stress if something goes wrong.

I hope I don't sound preachy here, but I really hate those b******* and think that CC are evil pretty much across the board. Make them hate you; live without debt!!!

[geneandmegan]

Re: The problem with being budget minded is other people.

So many people don't get that! But it so absolutely true. "You can afford to go to Europe every year, but you wash zip loc bags and hang laundry?!?"

I'm sorry, I guess I'm a little confused here. I don't get them. What do they mean? Of course you can go to Europe, and yes, of course you wash those ziplocks! You save money, you have money for things you want. What are they trying to say?

Sorry, I guess I just really don't get the other side of the coin (the ones who don't budget, save, plan, etc.) I mean, I know people think "Have $$$, Want Thing, Spend spend spend!!" but I ... just don't get it. I swear I'm not trying to sound arrogant here, I just honestly don't. What do they mean???

[rob62521]

Re: The problem with being budget minded is other people.

My in-laws were disgusted that we/I did not want to spend $500 on taking my husband's 5 siblings, assorted spouses/ sig others, and parents out to dinner ( and obviously drinking) ONE night when we visited the east coast. My m-i-l said, 'do not come without $500 to spend for dinner". No one seemed to understand that we spent $500 to get there!! Seemed pretty clear to me!! Guess when we will be going back again? Can you say the day after xxxx freezes over? lynclarke

I would say these folks certainly like to control things even if they don't pay for them! Yikes! I can't figure out why they would assume you would pay $500 for dinner for everyone since you were visiting. I could see if you all went out and paid for yourselves and they paid for their own meal. Some folks ae something else!

[rob62521]

Re: The problem with being budget minded is other people.

Oprah has talked about how once she had money, relatives came out of the woodwork and she was amazed at what they would boldly ask for. Like one cousin wanted a Mercedes and asked Oprah to buy it for them!

I guess that just goes back to how some people feel entitled in the world. I think it is sad.

I work with someone who has this mentality. She thinks that if someone needs something, those of us who have saved money should buy it for them since they are needy. It's not her money she wants to spend, but someone else's.

[lrjohnson]

Re: The problem with being budget minded is other people.

I'm sorry, I guess I'm a little confused here. I don't get them. What do they mean? Of course you can go to Europe, and yes, of course you wash those ziplocks! You save money, you have money for things you want. What are they trying to say?

Sorry, I guess I just really don't get the other side of the coin (the ones who don't budget, save, plan, etc.) I mean, I know people think "Have $$$, Want Thing, Spend spend spend!!" but I ... just don't get it. I swear I'm not trying to sound arrogant here, I just honestly don't. What do they mean???

What they mean is, if I have the bucks to go to Europe, why would I do such penny pinching activities like washing ziplocs?

[geneandmegan]

Re: The problem with being budget minded is other people.

What they mean is, if I have the bucks to go to Europe, why would I do such penny pinching activities like washing ziplocs?

Ahhhh! Okay! Weird..... Thanks for the clarification!

[rob62521]

Re: The problem with being budget minded is other people.

OK, I'm here to make a confession. Some friends drove in from about 2 hours away. We had planned a visit to our state capital to see Abraham Lincoln sites. However, they told us they would be here in the a.m. and we figured no problem -- a 45 minute drive, see some sites, some of which are free I might add. Well, they didn't get here until 2:30. So by the time they sat and talked for a few minutes, it was too late to go anywhere out of town. They suggested a movie and we suggested renting a video, but they wanted to go out. We bowed to peer pressure and saw the new Will Farrell one. I realize it's a comedy, but I feel like we paid $14 ($7 each) for something that we didn't really like all because our friends wanted it. So, I'm here making confession!

[lynclarke]

Re: The problem with being budget minded is other people.

Rob62521- Now I know that it grates on one's soul to spend money for frivilous reasons - not of your own choosing- BUT it was only $14. If you had driven to Springfield, it would have cost $12 in gas. Be thankful you got some social time with friends and they didn't insist that you go out to dinner!!! lynclarke

[ummabdullah]

Re: The problem with being budget minded is other people.

Ya know its funny but I feel guilty not to give my mother and sister money. They think we have loads of money for some reason even though my mother makes more than my husband.. and for some reason.. I feel a sort of unspoken pressure to spend on them.. And I probably will once my husband and I buy a house and get ourselves together.. It will take time.. though.. and their is nothing I can do for my sis.. because she chose to live the way she is.. No one put a bloody gun to her head.. I am just sorry I wasnt already financially free to help her out. But I'm not going to put myself in a bad situation just to make other people happy... I doubt they will be there for me when I need something!!

[PrincessPerky]

Re: The problem with being budget minded is other people.

I found with quite a few friends that when you offer your house and your meals to share they turn you down..makes it hard for them to complain you arn't sharing when you have offered..course if anyone took me up on the meal or floor space I would be more than happy to share, but so far no one has..they will gladdly take money..hint at it, but no one seems to want the tangible stuff..course I find it funny that someone with 447$ of food/gas/discrecionary income is the one being asked for cash..but oh well.

[ummabdullah]

Re: The problem with being budget minded is other people.

Princess perky you hit it on the nail!
I offered my sister to come live with me on a visitor visa in england for six months.. I could have watched her children.. while she tried to find a job out here..

She said.. I can't go without my boyfriend (he's a prick)..
or you too strict for me.... ectr ectr..

excuses excuses.. I even offered to have her send the boys out to stay with me while she sorts herself out..

they live in a 1 bed trailer with 2 infants and a 10 year old. In california.. in the middle of no where land.. and a beat up old car..

When I was in cali in my own place.. I offered to help her out as well.. and even paid for her education.. vet assistant class.......... she never went because she complained she couldn't get there.. (take the bus for crying out loud)..

And when I was left homeless after my first husband and I divorced.. she let me stay with her for 1 day and said.. I had to go because her boyfriend didn't want anyone there..

She stopped calling me along time ago when she realized I wasn't going to give her any money to waste..

[Ima saver]

Re: The problem with being budget minded is other people.

I agave money to my daughter for years, to help her and my grandddaughters out. I finally realized that I was just throwing my money away. She never got a job or tried to help herself. Sometimes I am sad because I have no living blood relatives, but then when I hear about someone always having to help out relatives, maybe I am lucky after all.

[rob62521]

Re: The problem with being budget minded is other people.

Rob62521- Now I know that it grates on one's soul to spend money for frivilous reasons - not of your own choosing- BUT it was only $14. If you had driven to Springfield, it would have cost $12 in gas. Be thankful you got some social time with friends and they didn't insist that you go out to dinner!!! lynclarke

Thanks lynclarke! I needed that pep talk!

[Duchesse]

Re: The problem with being budget minded is other people.

I found with quite a few friends that when you offer your house and your meals to share they turn you down..makes it hard for them to complain you arn't sharing when you have offered..course if anyone took me up on the meal or floor space I would be more than happy to share, but so far no one has..they will gladdly take money..hint at it, but no one seems to want the tangible stuff..course I find it funny that someone with 447$ of food/gas/discrecionary income is the one being asked for cash..but oh well.

So true Princess, all of my acquaintences, I stopped calling them friends and family, wanted money, some hinted, some came right out and asked, one even said "F**k you and your money" in the parking lot of the restaurant I was treating her to dinner at.

I stopped giving parties, barbecue, dinner, etc years ago. As my wealth increased, my friends attendance to my functions decreased. Envy is one of the seven deadly sins.

Once upon a time, years ago I was a single parent on welfare for three years, struggling, day in and day out. I had "friends" then.........................

I heard it was lonely "at the top", at the time I didn't agree. Now......

[Duchesse]

Re: The problem with being budget minded is other people.

I think it's better not to mention your wealth to anybody... Especially your friends.

You don't have to discuss money. If you lived in an apartment and then buy a house. That's self explanatory that financially things have gotten better for you. If you took the bus to work and now have a car, again, it won't take a rocket scientist to see that things are better for you. If you are going to school once you graduate with a degree that will cause some envy. Once you get a good paying job that can cause some uncomfortable feelings for some. If your attire gets better, if your furniture gets better. If you're not complaining of bills.

The wealthy don't have to dress rich, talk about money, or any of the outward things that the poor do to keep up with the joneses, sometimes people can "smell" the money.