so1970
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Post by so1970 on Jan 3, 2011 4:06:32 GMT -5
you hear on here alot things like how could you spend$ on frivolous things to make you enjoy life? or if you cut out things like cable, soda, your kids lunch money etc. you could save for the future. so is there anything out there that you would spend money on without worrying about the .00001% impact it's going to have on your budget?
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resolution
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Post by resolution on Jan 3, 2011 7:57:22 GMT -5
We spend on monthly video game subscription fees. At any given time we are usually paying for four subscriptions (approx $60 a month).
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quotequeen
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Post by quotequeen on Jan 3, 2011 8:04:40 GMT -5
you hear on here alot things like how could you spend$ on frivolous things to make you enjoy life? I hardly ever hear that on here. What I hear is when people come on complaining that they can't pay their bills, can't save, can't do XYZ, people point out all the unnecessary things in their budget to help them realize that they can do it and are choosing not to. For those who actually have control over their finances, spending on frivolous things is perfectly fine. It's all about finding the correct balance and making sure you're able to meet your goals at the same time. There is not a single poster here who doesn't spend money on something that some other poster would consider frivolous. |
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mudflap81
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Post by mudflap81 on Jan 3, 2011 9:21:32 GMT -5
For a job I had from 04-06, the boss had a rule that if you were in the building you would help with customers. Worst part is that everybody else is completely on board with this.
I went out to lunch every single day when I was there. Usually went to Subway or a couple restaurants that had a nice and cheap lunch. Typically cost me $50 per week, and I never bought fast food.
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Deleted
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Post by Deleted on Jan 3, 2011 9:52:34 GMT -5
My splurge is also a pretty sizeaable cable bill, but I figure I do well in all other areas of my budget have to have something fun somewhere.
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The J
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Post by The J on Jan 3, 2011 9:56:58 GMT -5
you hear on here alot things like how could you spend$ on frivolous things to make you enjoy life? or if you cut out things like cable, soda, your kids lunch money etc. you could save for the future. so is there anything out there that you would spend money on without worrying about the .00001% impact it's going to have on your budget? Actually, what you hear about on here is how spending on frivilous things couldn't possibly make someone happier or make them enjoy life more, so they shouldn't spend it. Also, since I make around $90k/year, .0001% of my budget would be about 9 cents. I'm never worried about the impact 9 cents will have on my budget. |
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Poppet
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Post by Poppet on Jan 3, 2011 10:04:21 GMT -5
Actually, what you hear about on here is how spending on frivilous things couldn't possibly make someone happier or make them enjoy life more, so they shouldn't spend it.
7 am and I've already had my LOL of the day. ;D
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phil5185
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Post by phil5185 on Jan 3, 2011 10:51:20 GMT -5
Every morning at about 6:00 or 6:30 we grab the paper, get in the car, and go to breakfast. Costs about $3000/yr. Just think, if we weren't retired we would be spending that $3000 on half of a Roth.
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pushingit
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Post by pushingit on Jan 3, 2011 11:01:38 GMT -5
I am comfortable with what we're saving for retirement, providing we can both work as long as we plan to.
I flitter money away on a lot of things though. When I think of them I tend to compute just the annual cost, and think about the nicer things I could have had instead. Like rather than a lot of $20-$50 on this an that, I could have had a nice vacation.
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jkscott
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Post by jkscott on Jan 3, 2011 11:04:28 GMT -5
Every morning at about 6:00 or 6:30 we grab the paper, get in the car, and go to breakfast. Costs about $3000/yr. Just think, if we weren't retired we would be spending that $3000 on half of a Roth. I bet you really enjoy that.  |
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pushingit
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Post by pushingit on Jan 3, 2011 11:08:44 GMT -5
For a job I had from 04-06, the boss had a rule that if you were in the building you would help with customers. Worst part is that everybody else is completely on board with this. I went out to lunch every single day when I was there. Usually went to Subway or a couple restaurants that had a nice and cheap lunch. Typically cost me $50 per week, and I never bought fast food. This tends to happen here too. It's not so much a policy, but people eat at their desks when it's not their lunch break and sometimes just sit at their desks surfing or whatever when it is their lunch break, so it's hard, since there's no lunch schedule, to avoid sometimes bothering someone when they are "on lunch" if they're at their desk. My one clerk brings her lunch, eats it while she's working at 11:30, then leaves at 1 for her lunch break. She goes to the park across the street. |
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HoneyBBQ
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Post by HoneyBBQ on Jan 3, 2011 11:59:20 GMT -5
It's all about balance. I "pay myself first" and don't worry about the rest. I am fortunate to make enough that usually the things I want to buy cost less than my earnings. I like nice shoes and drink a fair amount of wine and eat mostly organic food. It's a health benefit, too, of course.  Anyways, I think as long as you are saving well, have a good emergency fund, and don't have any giant holes in your budget - who cares about $20 here or there? |
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so1970
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Post by so1970 on Jan 3, 2011 13:32:33 GMT -5
and i expected this to turn into an i need my morning latte thread. not a cable tv. everyone is being so nice, is it to entice new posters? this is where i would post a funny little smiley if i could ever figure them out.
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so1970
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Post by so1970 on Jan 3, 2011 13:35:43 GMT -5
 found 1 then 
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Nazgul Girl
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Post by Nazgul Girl on Jan 3, 2011 14:44:20 GMT -5
I like my Diet Cokes, my adding to my antique silverware set in my mother's pattern ( well that's slowed down a lot since the price of silver went up so much ), buying the occasional book, going out to eat with my husband, buying comfortable shoes. We have a very high savings rate, both in general and for retirement, now that my husband's SS is straightened out, so I don't feel guilty.
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TrixAre4Kids
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Post by TrixAre4Kids on Jan 3, 2011 15:27:06 GMT -5
Well, it depends. At .00001% I don't stress. That's 84.7 cents.
At 11% I get quite a bit more serious. That's over $9k dollars!
I don't go out much to movies or bars so my biggest 'splurges' are my cable/internet and my cleaning lady. Oh my bad, I forgot to include her in 'My YM Sins'!
I happily rationalize both of them by saying 'that's coming my from 10% fun money'
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NastyWoman
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Post by NastyWoman on Jan 4, 2011 3:06:57 GMT -5
Every morning at about 6:00 or 6:30 we grab the paper, get in the car, and go to breakfast. Costs about $3000/yr. Just think, if we weren't retired we would be spending that $3000 on half of a Roth. You are retired and get up at 6am? Yikes! That is not for a night owl like me  |
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phil5185
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Post by phil5185 on Jan 4, 2011 10:57:14 GMT -5
Yeah, we go to a bagel place for a bagel and bottomless coffee. A group of 'regulars' are there to discuss the morning world affairs - and then we bid 'good day' to people as they head out to work. joss - after you get up at 5:30 everyday for about 40 yrs, you will probably just keep waking at 5:30. |
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Cookies Galore
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Post by Cookies Galore on Jan 4, 2011 11:33:26 GMT -5
Every morning at about 6:00 or 6:30 we grab the paper, get in the car, and go to breakfast. Costs about $3000/yr. Just think, if we weren't retired we would be spending that $3000 on half of a Roth. I like that. BF and I like to go out for breakfast on weekends. I imagine that when we're old and grey we'll do that more often. Our frivolous spending is probably on alcohol. We just bought a little bar and I like keeping it stocked. I also like drinking my wine, so it's a vicious cycle. ;D |
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Clifford
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Post by Clifford on Jan 4, 2011 11:45:04 GMT -5
Actually, what you hear about on here is how spending on frivolous things couldn't possibly make someone happier or make them enjoy life more, so they shouldn't spend it...
Everyone is being so nice, is it to entice new posters? Wow. I'm starting to think that YM - somewhere along the way - got a bad reputation, but is really just a group of cudly teddy bears.  |
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Cookies Galore
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Post by Cookies Galore on Jan 4, 2011 12:01:53 GMT -5
Actually, what you hear about on here is how spending on frivolous things couldn't possibly make someone happier or make them enjoy life more, so they shouldn't spend it...
Everyone is being so nice, is it to entice new posters? Wow. I'm starting to think that YM - somewhere along the way - got a bad reputation, but is really just a group of cudly teddy bears. Well, I'm the nice one because I self-medicate with wine. |
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Anyways, I think as long as you are saving well, have a good emergency fund, and don't have any giant holes in your budget - who cares about $20 here or there?
