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What are YOU spending your money on?

 
Anonymous Coward
User ID: 2208637
United States
02/24/2013 06:58 AM
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What are YOU spending your money on?
I felt the urge, nay a necessity to post a thread regarding the types of things people, including myself, were spending money on.

These are things, that if our ancestors back in the day witnessed, would deem you stupid, inefficient and borderline insane.

1. Restaurants.

I don't know how it is in other countries, as I am living in the United States. But here, for a couple to go out and have a nice meal at a regular restaurant, easily $30.00.

If you add alcoholic beverages, easily $50.00. When my father use to take us out to eat when we were younger, I would always be a curious kid and sneak a look at the bill. It amazed me how sometimes when all four of us would go out, the bill easily hit $80.00.

Seriously? Now that I am 22, and live with my own girlfriend, that money is enough to feed us for a week. One night, or a week. YOU decide.

Don't complete negate "going out to eat", but try and support the local businesses, not the monopolies like Red Lobster or Joe's Crab Shack, the smaller businesses tend to have better service and cheaper prices, especially drinks, if you want to get out of the house.

Vegetables and a side of meat is extremely cheap and cost effective. IF you are a vegetarian, you practically can eat for free if you shop right.

Hell, a can of black eyed peas, 99 cents, slow cook them and add some spice and cilantro, oh my god it's good, filling, and has protein.

2. Alcohol and Cigarettes.

I have the most simple equation for you. It's healthier, and will save you a crap ton of money.

Limit yourself to these types of spirits to only twice a week, to be honest anything more then that is really unhealthy, and YOU know it.

If you work three days, and are off four, and YOU spend those four days just upside down wasted, you need to create yourself some hobbies, some free-minded YOU time.

Do NOT smoke when you're bored.
Do NOT smoke and drink everyday, after work. Read a book, cook a meal, make love, and go to bed.

Build a pattern, and keep it to one or two days. It's a hell of a lot more enjoyable, trust me.

3. Clothes.

I was at my college the other day, and heard some girl talking about how her jeans were "so fabulous" and costed "only" $80.00.

Are you stupid? Remember, that's one week worth of groceries. Go to google, and look up where your nearest Outlet stores are. I drove 20 miles the other day to an Outlet store and got 5 pair of wrangler jeans, brand new, same quality as in the malls, for 40 bucks.

They discount everything. Shirts included, walked out of there with about 9-10 shirts for another 50 dollars, dress shirts included.

STOP being lazy. You're money can go further, if you decide to do the research and find these types of places. It doesn't make you look poor either, you get the same damn quality, without the markup.

4. Renting, or Housing. I'm going to tell you right now, if you have good credit, in America, right now is about the best time to buy a house.

They are practically throwing low interest rates at you, the only catch, which is the catch for anything financial, you got to have at least a 730-740 credit score to make it viable.

Here is an amortization calculator: [link to www.amortization-calc.com]

This is what you need to know about houses:

30-Year Plans = Low Monthly Payments, Extremely High Interest (more money goes to the bank, less equity for you)

A $150,000 house, with a 30-year plan, and 3% interest rate will run you about $640 a month, but you will pay easily another $70,000 in interest to the bank, which does not get applied to your principal (cost of the house).

15-Year Plans = Higher Monthly Payments, Really Low Interest (more money goes towards paying off your house, less money goes to the bank).

A $150,000 house, with a 15-year plan, and a 3% interest rate will run you about $1000 a month, and you will only pay about $36,000 in interest to the bank. In my opinion, this makes much more sense.

Try and save about 15-20% for a down payment, then get your loan, it will be even CHEAPER, for both plans.

If your only option IS the 30-year plan, do it anyways if you can. You still build SOME equity, which is better then paying apartments and making NONE.

If you are scared you might fail as a first time home-buyer, know that you can rent out your house easily for higher then the mortgage payment and make money.

G'luck.
Anonymous Coward
User ID: 33314705
Australia
02/24/2013 07:02 AM
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Re: What are YOU spending your money on?
Anus
Anonymous Coward
User ID: 27344357
United States
02/24/2013 07:04 AM
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Re: What are YOU spending your money on?
Gas. Lots of money for gas. About $600. a month to just go to work. I guess I am lucky.
Anonymous Coward (OP)
User ID: 2208637
United States
02/24/2013 07:06 AM
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Re: What are YOU spending your money on?
Gas. Lots of money for gas. About $600. a month to just go to work. I guess I am lucky.
 Quoting: Anonymous Coward 27344357


That is a good amount, I am only pushing about $200/month with my Toyota Tundra, but my jobs like 20 miles away.

My suggestion: Find another job, lol
Anonymous Coward
User ID: 35061540
Canada
02/24/2013 07:07 AM
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Re: What are YOU spending your money on?
if i had money i'd probly start with heat and food then work my way to animals and the poor.
LEKKER

User ID: 34381195
02/24/2013 07:08 AM

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Re: What are YOU spending your money on?
Smokes....
Booze and...
Dog food....
33
I LOVE CATS AND SOME PEOPLE.
Anonymous Coward (OP)
User ID: 2208637
United States
02/24/2013 07:09 AM
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Re: What are YOU spending your money on?
Smokes....
Booze and...
Dog food....
 Quoting: LEKKER


Hahah, oh god. But your a cat person, huh?
LEKKER

User ID: 34381195
02/24/2013 07:13 AM

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Re: What are YOU spending your money on?
Smokes....
Booze and...
Dog food....
 Quoting: LEKKER


Hahah, oh god. But your a cat person, huh?
 Quoting: Anonymous Coward 2208637


Yeah but I got a pet dog for my cat...:)
33
I LOVE CATS AND SOME PEOPLE.
Anonymous Coward
User ID: 34817368
France
02/24/2013 07:15 AM
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Re: What are YOU spending your money on?
Smokes....
Booze and...
Dog food....
 Quoting: LEKKER


hf
LEKKER

User ID: 34381195
02/24/2013 07:16 AM

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Re: What are YOU spending your money on?
Smokes....
Booze and...
Dog food....
 Quoting: LEKKER


hf
 Quoting: Anonymous Coward 34817368

hf
33
I LOVE CATS AND SOME PEOPLE.
Anonymous Coward
User ID: 34817368
France
02/24/2013 07:18 AM
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Re: What are YOU spending your money on?
Smokes....
Booze and...
Dog food....
 Quoting: LEKKER


hf
 Quoting: Anonymous Coward 34817368

hf
 Quoting: LEKKER


My animals always, but always, come first. PERIOD!
lightchild_uk
Waiting for IT

User ID: 34595005
United Kingdom
02/24/2013 07:35 AM

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Re: What are YOU spending your money on?
Installation of a new boiler, as I have no heating and limited hot water.

chilly flick
Anonymous Coward
User ID: 29081478
Denmark
02/24/2013 07:38 AM
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Re: What are YOU spending your money on?
silver..
food..
seed..

just prepping afro
CtYankee

User ID: 30129105
United States
02/24/2013 08:16 AM
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Re: What are YOU spending your money on?
My Garden Railroad....my boat...and my wife....not in that order
CtYankee

"If at first you don't succeed, erase all evidence that you tried." -anonymous


-Spouting a fountain of nonsense since 1972-

Never met anyone important enough to lie to.....
~IS~

User ID: 1267719
United States
02/24/2013 09:01 AM
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Re: What are YOU spending your money on?
Tools ....
Anonymous Coward
User ID: 34610595
United States
02/24/2013 09:15 AM
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Re: What are YOU spending your money on?
I've been gearing up for a vegetable farming operation. I don't own any good land, but that should never give one the idea that they can't grow crops. Ask around or take out an add offering to share crop and you'll be surprised how many people show interest. Older, retired people often fancy the idea of being involved in a little farming operation. When an able bodied young man shows up with a tractor it's a done deal.

I haven't bought my tractor yet, but I intend to pick one up for $2,500 or less. I'll try to get something with about 30 hp so I can pull a double bottom plow. So far I've bought implements. I've got a double bottom plow that is brand new, and a used double row disc. Between them I've spent about $1,300. That is technically enough to farm, but a couple of more implements will make things easier. I hope to get my tractor this Fall so I can get some ground ready for next Spring.
optics

User ID: 31402567
Canada
02/24/2013 09:23 AM
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Re: What are YOU spending your money on?
20k nat gas standby generator to take away my sump pump worries.
Anonymous Coward
User ID: 34276055
United States
02/24/2013 09:30 AM
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Re: What are YOU spending your money on?
It is not mine so I am not spending anything. Our needs are met...never our warm fuzzy wants. I just don't own anything in the light of who created everything, not money or anything else. Just is
Anonymous Coward
User ID: 31062009
Australia
02/24/2013 09:32 AM
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Re: What are YOU spending your money on?
Op you're only 22... Come and give me advice when you're much older.
Anonymous Coward
User ID: 847759
United States
02/24/2013 09:32 AM
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Re: What are YOU spending your money on?
Food, animals, mortage
Anonymous Coward
User ID: 1404507
United States
02/24/2013 09:40 AM
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Re: What are YOU spending your money on?
Cabbage

Kings

Sealing wax
Anonymous Coward
User ID: 34610595
United States
02/24/2013 09:44 AM
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Re: What are YOU spending your money on?
Op you're only 22... Come and give me advice when you're much older.
 Quoting: Anonymous Coward 31062009


rockon
Anonymous Coward
User ID: 32412853
United States
02/24/2013 09:46 AM
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Re: What are YOU spending your money on?
Bills and Food s226
Anonymous Coward
User ID: 34824387
Canada
02/24/2013 09:50 AM
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Re: What are YOU spending your money on?
Tools ....
 Quoting: ~IS~


This...
Anonymous Coward
User ID: 35070637
Germany
02/24/2013 09:57 AM
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Re: What are YOU spending your money on?
i use my monis in exchange for goods and services
Anonymous Coward
User ID: 1547105
United States
02/24/2013 10:03 AM
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Re: What are YOU spending your money on?
Cart Items SKU Qty Item Price Item Total
7.62x39 Ammo 124gr HP Wolf WPA Military Classic 20 Round Box
645611300721 10 $8.99 USD $89.90 USD
9mm Ammo 115gr FMJ NATO SPEC IMI mfg 50 Round Box
9MMTZZ 5 $28.88 USD $144.40 USD
Subtotal: $234.30 USD
Shipping: $21.91 USD
Grand Total: $256.21 USD

and

Item Sku Qty Subtotal
420 Rounds of XM855 5.56x45 Ammo by Federal - 62gr FMJ on Stripper Clips in Ammo Cans 556x45-62FMJM855SCCanFed-420 1 $420.00
Subtotal $420.00
Shipping & Handling $14.37
Gift Certificates $0.00
Grand Total $434.37
Anonymous Coward
User ID: 1547105
United States
02/24/2013 10:04 AM
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Re: What are YOU spending your money on?
and

Complete Coverage Concealable Vest
Threat Level: Level IIIA
Material Upgrade:
Color: Navy Blue
Include Vest Package Deals (Optional):
Check Box for Deal: No
Size (Based on Chest): X-Large (46"-48")
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A6, A7, A8, A8-G #IA0011 1 $399.95 $399.95
Subtotal: $399.95
Shipping & Handling: $13.22
Tax: $28.92
Order Total: $442.09



what are YOU spending your money on?
BxMac

User ID: 18472095
United States
02/24/2013 10:15 AM
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Re: What are YOU spending your money on?
Horsemeat. It's all the rage in Europe and it's coming to America soon.

Of course, there are "neigh"sayers who denigrate my spending choice, but they're simply a bunch of fly-flicking horse's asses.

Horsemeat. That's where the dollars go.
Terrebonne
Pythagoras

User ID: 35076308
United States
02/24/2013 11:01 AM

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Re: What are YOU spending your money on?
Basic needs, food, shelter and clothing.
Carol B.

User ID: 30598717
United States
02/24/2013 11:03 AM

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Re: What are YOU spending your money on?
5 stars op...good thread!
A Friend
Moderation is Key

User ID: 33849161
United States
02/24/2013 11:04 AM

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Re: What are YOU spending your money on?
Shelter
Food
Clothing
Gas
Insurance
Internet
Phone


Nothing's left over after that
I would rather live my life as if there is a God and die to find out there isn't, than live my life as if there isn't and die to find out there is. -Albert Camus

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