Money these days!

medicnick83

medicnick83

Paramedic
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Okay.
I've never been one who has money, by that - if you look at my bank balance, I'm normally broke the end of every month or even before that - I'm the type that NEEDS payday, then I get paid and I buy toys and spoil my GF and then I'm broke.

But lately, I've been saving, paying off small debts I have (credit card, connection card etc) and that is going very well.

My bank balance currently is not amazing but it's sorta "enough" for me to look at toys and think, buy this, buy that etc.

I want to buy a laptop, it's R2300 sorta but I keep thinking one thing then changing my mind.

I don't know if it's becuase I've grown up or something, but in the past, if I see something I like, I buy it, and regret it later - these days, I'm actually thinking about my purchases.

How is everyone's finances doing these days? You having the same problem as me?
 
gdiza said:
Okay.
I've never been one who has money, by that - if you look at my bank balance, I'm normally broke the end of every month or even before that - I'm the type that NEEDS payday, then I get paid and I buy toys and spoil my GF and then I'm broke.

But lately, I've been saving, paying off small debts I have (credit card, connection card etc) and that is going very well.

My bank balance currently is not amazing but it's sorta "enough" for me to look at toys and think, buy this, buy that etc.

I want to buy a laptop, it's R2300 sorta but I keep thinking one thing then changing my mind.

I don't know if it's becuase I've grown up or something, but in the past, if I see something I like, I buy it, and regret it later - these days, I'm actually thinking about my purchases.

How is everyone's finances doing these days? You having the same problem as me?
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You earn a great deal by the sound of things. I get my pay check and then I pay my rent and then I have just enough for food.
 
Picard said:
You earn a great deal by the sound of things. I get my pay check and then I pay my rent and then I have just enough for food.
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No I don't Picard - If I told you what I earn, you'd laugh, it's just that lately, I'm not wasting money (I think wasting refers to eating out etc)
 
Picard said:
You earn a great deal by the sound of things. I get my pay check and then I pay my rent and then I have just enough for food.
Click to expand...

Try living at a hostel, your rent will go down (and you get subsidies for taking the kids extracurricular activities as well). My cousin is a teacher as well and saved up quite a bit by doing that, think he had 3 meals a day and a place to stay for like R800 a month. He's in the UK now teaching rich kids at home and during their holidays he flies to China and teaches english there...
 
AcidRaZor said:
Try living at a hostel, your rent will go down (and you get subsidies for taking the kids extracurricular activities as well). My cousin is a teacher as well and saved up quite a bit by doing that, think he had 3 meals a day and a place to stay for like R800 a month. He's in the UK now teaching rich kids at home and during their holidays he flies to China and teaches english there...
Click to expand...

Believe me, you don't want to live in the hostel in my town. I'f rather shoot myself.
 
Picard said:
You earn a great deal by the sound of things. I get my pay check and then I pay my rent and then I have just enough for food.
Click to expand...

Booze isn't cheap and if I'm not mistaken, you tend to drink a fair amount.
If you can afford alcohol, you're not doing too badly. If you are, then you should really reconsider your priorities.
 
I'm basically at the stage where if I don't need it I don't want it.

"This thing makes you breath better"

Sorry what? I NEED it to breath or I just breath BETTER?

Then I don't need it... **** off sales man...

Just some credit card debt I have and clients not paying me (been working for myself since January this year) so a bit in the red, but I don't care. It's awesome. My running costs are way down (at least 12k a month since 3 years back) so I'm doing fine. Licking the wounds of bad choices.

So if I were you. I'd not bother buying anything I don't need. Save up that cash. Put maybe a little incentive for yourself. "I'm going to buy myself a new laptop if I can save double the amount of cash it will cost me"

By the time you saved double the amount, laptops would be faster and cooler and you can pick up one for cheap and walk away with a nice sum of saved up cash....
 
Picard said:
Believe me, you don't want to live in the hostel in my town. I'f rather shoot myself.
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lol, if the money was right I'd do anything

yes folks, you heard that.... anything. So pm me your offers and the nasty **** you want me to do and once your EFT clears, consider it done.



*Disclaimer: No self harm requests will be honored. All will be recorded and broadcast on the internet. I maintain all copyright of the material*
 
gdiza said:
these days, I'm actually thinking about my purchases.
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That's a lesson that more people need to learn: first think seriously at least three times about a purchase. If the need still outweighs counter-arguments, then it might make sense to buy the object. Try as hard as possible not to make a purchase on a whim, or when upset.

Then, convince yourself that it's awesome to pay off smaller debts as fast as possible (without make new ones!). Move on to the bigger ones and only once you're regularly putting money into savings, should you start planning to reward yourself with fun stuff. It took me about 6 months to appreciate how important and beneficial this approach is.
:)
 
Same situation here... I don't visit Take2 that often anymore. :(
I actually think twice before clicking "Place Order"
 
Maybe the credit crunch has made us all think alot deeper about really wanting to buy things and what we really need.
 
I am in a simular position my bank account is just a halfway house for money that needs to paid out. Entertainment is a distant memory. And WTF is up with the fuel price :mad: omg battery oprated or hybrid cars is starting to look like a viable option.
 
PythonFSi said:
Maybe the credit crunch has made us all think alot deeper about really wanting to buy things and what we really need.
Click to expand...

Well, I recently got a 1975 Datsun. So, I can't blow all my cash in the beginning of the month as there's too many variables floating around my finances. :o
 
A financial setbsck lately means I've put a stop to all non-essential purchases this month. I'm surprised at how much I was blowing on stuff I didn't need.

I have been building up an emergency fund for the last four months.
 
Other than my mortgage bond and 1 year left on my car loan, I have no interest bearing debt. It makes a huge difference. Tomorrow is pay day and I won't have to touch it this month.

Right now I want my bank manager (the wife) to go and buy each of my kids a 22" LCD monitor from EuroByte for R1249 ex VAT. 5ms response time, but they must live with it. It's better than they CRT monitors...

So in my case, right now life is good!
 
AcidRaZor said:
Try living at a hostel, your rent will go down (and you get subsidies for taking the kids extracurricular activities as well). My cousin is a teacher as well and saved up quite a bit by doing that, think he had 3 meals a day and a place to stay for like R800 a month. He's in the UK now teaching rich kids at home and during their holidays he flies to China and teaches english there...
Click to expand...

Y M C A
 
Eating into every cent I have. Wife is at home on Maternity leave and that is a big blow to our monthly income. I need to keep the boat afloat and it's nasty getting to the last week before payday and only having R1k in the account :o

But this is only temp. :p
 
Pitbull said:
Eating into every cent I have. Wife is at home on Maternity leave and that is a big blow to our monthly income. I need to keep the boat afloat and it's nasty getting to the last week before payday and only having R1k in the account :o

But this is only temp. :p
Click to expand...

Bwhahahahaha! Children are a constant gap in your paycheck.
 
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