Short and sweet I’m so tired of people always complaining about money, and not having enough….yet they buy Tim’s, or smoke, or go out for lunches or have anew outfit every week or go partying… Maybe you should look at your spending habits before you go and complain you have no money!
Or maybe you should look at getting a part-time job for a while if you are “that” in the hole… I’m so tired of watching people who expect help but do nothing to help themselves. —Fed Up
This article appears in May 23-29, 2013.
Well, that’s easy for you to say, Senator Duffy.
How about we switch over to a credit system then?
Everything from A to Z valued from 1 to infinity. People should earn a cup of coffee instead of paying for one.
They’re living on credit, OB. Too many people living beyond their means because they charge everything. Probably even charging that cup of coffee. DEFINITELY charging those smokes.
Friend of mine was shocked that I didn’t have to factor credit card payments into my budget. It is possible to live without consumer debt. Sure I go without things I want sometimes, but I always have what I need, and when I do buy something, I have saved for it and don’t have to worry about having to pay money later on (plus interest!). Patience is what’s lacking for a lot of people. Instead of saving for something, they want it NOW and what’s 50 bucks a month? Well, when you add up all thos 50 bucks a months’ plus the interest you’ll be paying….
<3 credit i charge everything to credit, even buying a house were charging as much of the fees to credit that we possibly can. Never paid credit card interest in my life and at the age of 26 gotten over 20 thousand dollars in gift cards from the points.
20 grand? damn
Yeah credit cards are pretty awesome for people disciplined enough not to carry a balance on them
Unfortunately, Brandon, you’re not in the majority.
I wasn’t referring to people like you, I was referring to people who buy shit they can’t pay off by the end of the month and those who buy things like “buy now and pay in a year” or “buy now and pay on 30 bucks a month” which is financed by high interest rate finance companies.
I’ll sit on lawn chairs in my living room until I can afford to pay cash for my sofa set if I have to. And I’ll drive a later model car I can pay cash for instead of financing. My parents actually do that. Their car is a volvo that’s a few years old and they paid cash for it. It’s really nice for them to not have a car payment.
But then again, I don’t have a desire to go out and buy big ticket items all the time and if I don’t have the cash to buy something, I really don’t have a burning desire to buy it. Once the cash is gone, I don’t have an itch to go shopping.
I don’t disagree with you op. Everybody deserves some pleasure in their lives and that includes those who don’t make a lot of money. So they spend a bit on pleasure but there just isn’t enough to go around. It’s a dirty system for those people.
Of course, there are lots of ways to have fun on a budget. Come on guys.. movie nights at your house, bonfires with buddies, learning to sew and making your own clothes, bathtub gin…
Lots of stuff you can do on a budget.
This ties money problems and all things hated together nicely….
http://www.youtube.com/watch?feature=playe…
I can never really understand why most people use credit cards to but things right away instead of waiting and saving up the money. Look at it this way, they buy a $2000 TV with their card and it ended up costing them $3000 after interest, so clearly if they would have waited they could have bought it in cash. I actually use my credit card for everything; timhortons, groceries, gas, car maintenance, power bill, cell phone bill, EastLink, I would pay my rent with it too if they would accept it. But here is the key part I PAY IT OFF EVERY MONTH! I just do this to get air miles from my card. I have had it for over ten years and have never missed a payment, I’ve been doing my part to keep this country out of recession.
Here’s a plan for some of you that think you need credit for a flat screen TV, most people get paid every two weeks right? so that means twice a year you will have three paychecks in one month, are you following me? So if you get paid around $1000 a paycheck, you will get $3000 in a month, roughly every 6 months, are you still with me? So my point is figure out when your next 3 paycheck month is and wait until than to buy your PS4, or your XBox1, or your 10 foot LCD TV.
My next 3 paycheck month is August, and it should be the same for about half of you.
My hub’s boss makes over $150,000 a year but will still bum money for a coffee from the peons. Makes me want to projectile vomit all over the cheap bastard.
Ivanski, so glad to see you back – narf!
m_kegg: the thing is, people aren’t putting out that 3k at once, and most people are honestly too lazy to bother checking how much it’s really going to cost. Plus folks are impatient and want what they want now. There’s no concept anymore of saving and working for something like previous generations. That’s why so many younger people have what their parents had when they were 10-20 years older — they’ve charged it all up. But unlike their parents, they pay twice as much in the long run… if they actually pay it off without defaulting.
One only has to watch a few episodes of “Till debt do us part” or “money moron” or “princess” (love gail vaz oxlade) to see how stupid and lazy people are with their money. Entitled too. People feel like they deserve all this shit just because and then instead of saving, they rack their credit up just because they can.
And then some of them have the nerve to default on their credit cards and get pissed off when the banks call them for their money…. well, uh, YOU borrowed the money. YOU spent money that wasn’t yours on the promise to pay it back and YOU didn’t do that and now you’re playing the victim because the banks and bill collectors are calling for their money? For fuck sakes.
As far as I’m concerned, people who default on their credit cards are thieves. Yes, shit happens, but getting out of not paying back someone else’s money you spent (with the agreement to pay back) is just wrong.
Shit, TT, when I was in university, the first people to hit me up for money to borrow were the ones who had parents paying their way AND giving them an allowance (most had cars, lived in the best apartments and residences, a bunch had copies of their parents’ credit cards for ’emergencies’ — apparently ordering 24 slice party pizzas a couple times a week on it was an ’emergency’).
Actually, the two biggest offenders used to tell me to blow off work on the regular to work on projects and go out for dinner. Um sorry, some of us have to hold down part time jobs while students. Part of that is being responsible and not ‘blowing off work’ just because (because then we’d get fired). And both of these people had parents who were millionaires. And both would ask me to cover their booze at the NSLC or pick up their cheque when we went out for dinner or ask me to borrow 20 bucks because it was wednesday and they didn’t get their allowance until Friday.
I guess that’s what happens when you end up going to a university that attracts all kinds of rich douchebags.
Op, you dirtbag. Happiness is not just for high achievers. Nor is bitchiness.
I had a 23-year-old message me last Saturday at 5:00 a.m. to ask me if she could borrow $200 so she could pay her phone bill before day’s end. She told me she wasn’t being paid from work until Monday so I suggested calling the phone company and explain her situation and she would definitely have the bill paid Monday. Not sure if she took my advice but she sure had enough $$ to party all night in downtown Toronto.
I just have to point out that it is usually due to unforeseen, life-changing events that cause people to get into big financial trouble, (cancer, child becoming terminally ill, loss of a job, etc.). Large debt is usually not just a result of over spending on luxury items, but this could be the catalyst for larger money problems later on. The key issue is people spend like their income will never be affected by changes brought on by the economy, health, or natural disasters.
I moved to Halifax for work because I was laid of from my job and was unable to find employment in my field in the area. But just short of 6 months at my job here in Halifax I was laid off again, but it never affected me financially because of our E.I. system and because I had a sufficient amount of money saved for just such situations.