How financially responsible are you, your friends, or your family?

[KyrieTheFuture]

I find myself cringing at the choices most of the people around me make financially. Just curious to see where y'all are at

[KiiiiNG]

Weed is a priority spend for you though right?

[Draz]

Been smoking weed for a year and a half and only spent $10 total so far

Perks of having stoner friends

[GIF REACTION]

Some of my relatives are horrible. 2 million in debt potentially due to dumbass investments and still going on holidays and living like wealthy

[DCL]

i keep a daily accounting of everything on spreadsheets. everything that i spend is recorded. been doing it for a few years. i know how every cent of my money gets allocated.

[KyrieTheFuture]

Weed is a priority spend for you though right?
I mean if 20 dollars a week breaks your bank you have bigger problems. I have rent, gas, gym membership, groceries, and weed. I spend less than a 1000 a month. I'm talking people who miss bills but go to the club.

[D-Wade316]

My father supports me in all areas except my college education. Been working at a fast food restaurant now for more than a month. Making enough to have some left for my own leisure.

[KyrieTheFuture]

My father supports me in all areas except my college education. Been working at a fast food restaurant now for more than a month. Making enough to have some left for my own leisure.
Good way to live, save up that money for when you get cut off. Good to have a nest egg.

[verylegit]

I probably spend $5000 annually on chicken wings.

At least its not alcohol or crack.

[enayes]

Here's what I do.

I don't worry about each little/big purchase I make as I feel that for the most part I buy what I need.

I use a credit card for everything so I earn bonus rewards/points. I've never paid a cent of interest to a credit company.

I live my life.

[Draz]

When I have a set salary I'd take out $720+
$15 a haircut x 4 weeks = $60
$60 x 12 = $720 a year without tips, round to $820-850 set for haircuts

$820 x 5 years = $4,100

But you pay a price to look good. I have no issue with that. You gotta be attractive right? Gotta look presentable.

[enayes]

When I have a set salary I'd take out $720+
$15 a haircut x 4 weeks = $60
$60 x 12 = $720 a year without tips, round to $820-850 set for haircuts

$720 x 5 years = 3,600

But you pay a price to look good. I have no issue with that. You gotta be attractive right? Gotta look presentable.

I can't imagine paying that much for haircuts. Assuming you keep your hair short, it's very easy to cut your own hair or give yourself a fade, etc.

I cut my own hair once a week and have someone just check the back of my head/neck line for me.

[Draz]

I can't imagine paying that much for haircuts. Assuming you keep your hair short, it's very easy to cut your own hair or give yourself a fade, etc.

I cut my own hair once a week and have someone just check the back of my head/neck line for me.
My guy raised his prices, I used to normally get $7 shape ups for a month, followed by a $12 haircut the next month. I just got a haircut yesterday and I gave him $20. Been my barber for 6 years, knows exactly what I like.

Now it's $15 a cut and up. Shits getting expensive, my hair is short, but when I only get shape ups I save more. I'll have to recheck on the prices but great barbers are hard to find.

[Draz]

Don't get me wrong, I said if I had a set salary, I'm budgeting when I can't afford things but when I have money I'm like my father. I was raised to pay for quality over quantity. Pay for something good and never complain or look back at it and say you regret your purchase. Coming from a middle class family where my father always worked and my mother never did, he never struggled.

I learned from how we cut back on things without even making it obvious. For example, unnecessary lights in the living room when you aren't in the living room. Running the water when brushing your teeth. Never waste food. Clothes, we hand down clothes in my family when it doesn't fit.

While my family does have expensive spending tastes, when it's time to live we live but we don't live to survive. I love that. And it helps you look for a female who understands how to budget indirectly. I'd spend $10 on a black vneck and look great in it to go with sub $50 jeans and $170-$200 sneakers or boots and this is without a job.

It's all about what you think matters to you. Your happiness. You can't live without making yourself happy. Do it as much as you can if you can afford it. You have one life to live. I don't drink or spend money on weed much, I don't party (yet) and I don't have much bills or expenses (yet).

[shlver]

My mom is financially smart, my dad is a hard worker. Mom always had savings, which they used to finance their first business. When times got rough during my dad's injury, Mom invested in high interest CD’s during bush era tax cuts and basically scraped by on interest. We also bought a house right after the 2008 crisis and stand to make a 300k profit when the parents decide to move back to vegas
I just leave my finances up to my mom while I have some allowance. We already have a house in vegas with mortgage payments being paid off using my med school/military stipend. Once I’m done with military in 4 years, I’ll have quite a bit saved to just take a break for a year and travel.

[shlver]

Don't get me wrong, I said if I had a set salary, I'm budgeting when I can't afford things but when I have money I'm like my father. I was raised to pay for quality over quantity. Pay for something good and never complain or look back at it and say you regret your purchase. Coming from a middle class family where my father always worked and my mother never did, he never struggled.

I learned from how we cut back on things without even making it obvious. For example, unnecessary lights in the living room when you aren't in the living room. Running the water when brushing your teeth. Never waste food. Clothes, we hand down clothes in my family when it doesn't fit.

While my family does have expensive spending tastes, when it's time to live we live but we don't live to survive. I love that. And it helps you look for a female who understands how to budget indirectly. I'd spend $10 on a black vneck and look great in it to go with sub $50 jeans and $170-$200 sneakers or boots and this is without a job.

It's all about what you think matters to you. Your happiness. You can't live without making yourself happy. Do it as much as you can if you can afford it. You have one life to live. I don't drink or spend money on weed much, I don't party (yet) and I don't have much bills or expenses (yet).
I buy all my clothes at thrift stores.:oldlol:

[knickballer]

One thing I can't understand is people buying cafeteria food for lunch/breakfast and coffee. This is something that people don't realize how much money they spend in a year. Lets say you spend $8 per lunch at work that's over $2000 a year just on lunch! I get you need to eat but it's so simple and easy preparing your own and not to mention healthier and even better(depends on the effort you make)

Then there's people who also buy breakfast! Buying egg samwhiches or even oatmeal when those are the simplest things to make. I understand time is a thing but preparing oatmeal with chia seeds, flax seeds and a bannana takes 30 seconds...

Then I see coworkers coming in with starbucks or dunkin coffee when there's free coffee at our place!

If you want to spend money then by all means do(I get I sound like a pessimist with my rant) but don't be complaining that teachers, cops and other people have it so fortunate with their pensions and that you're barely making ends meet(despite wasting money on stupid shit)

[verylegit]

One thing I can't understand is people buying cafeteria food for lunch/breakfast and coffee. This is something that people don't realize how much money they spend in a year. Lets say you spend $8 per lunch at work that's over $2000 a year just on lunch! I get you need to eat but it's so simple and easy preparing your own and not to mention healthier and even better(depends on the effort you make)

Then there's people who also buy breakfast! Buying egg samwhiches or even oatmeal when those are the simplest things to make. I understand time is a thing but preparing oatmeal with chia seeds, flax seeds and a bannana takes 30 seconds...

Then I see coworkers coming in with starbucks or dunkin coffee when there's free coffee at our place!

If you want to spend money then by all means do(I get I sound like a pessimist with my rant) but don't be complaining that teachers, cops and other people have it so fortunate with their pensions and that you're barely making ends meet(despite wasting money on stupid shit)
I've been trying to curb my starbucks habit. Spending $5 on a coffee daily adds up in the hrand scheme of things.

[knickballer]

I've been trying to curb my starbucks habit. Spending $5 on a coffee daily adds up in the hrand scheme of things.

it really does but I'll say this if you really enjoy your starbucks coffee and prioritize it highly then go for it. Just cut spending elsewhere to make up for it elsewhere.

[sundizz]

One thing I can't understand is people buying cafeteria food for lunch/breakfast and coffee. This is something that people don't realize how much money they spend in a year. Lets say you spend $8 per lunch at work that's over $2000 a year just on lunch! I get you need to eat but it's so simple and easy preparing your own and not to mention healthier and even better(depends on the effort you make)

Then there's people who also buy breakfast! Buying egg samwhiches or even oatmeal when those are the simplest things to make. I understand time is a thing but preparing oatmeal with chia seeds, flax seeds and a bannana takes 30 seconds...

Then I see coworkers coming in with starbucks or dunkin coffee when there's free coffee at our place!

If you want to spend money then by all means do(I get I sound like a pessimist with my rant) but don't be complaining that teachers, cops and other people have it so fortunate with their pensions and that you're barely making ends meet(despite wasting money on stupid shit)

This is the difference between the wealthy and people like you. It is the mentality of scarcity when it comes to money.

There is only one equation -> Income > Expenses. The BEST way to have more money is to increase your income, not decrease your expenses. That sort of poor mentality is what causes people to stick to jobs for 20 years that they only marginally like.

You HAVE to treat yourself like a company. Meaning, things are either an asset, liability, income or expense. For example, I spent 75k on grad school but I put that as an asset (and the payments of course as debt) for the company sundizz. It's not ONLY debt.

I am all for eating healthy - but not for the money reasons. It is for time + future cost reasons. Eating all that unhealthy garbage will get you having one of the main surplus diseases (diabetes, heart problems, etc) and that will take away time and significantly more money in the long run.

I spend about $12 on a meal on average. They are organic, grass fed, etc etc. I could make the same meal, but the 1 hour+ (taking into account shopping, etc) a day it takes of extra preparation is not worth it to me at this point in life. Your 25-45 should be focused on minimizing stuff that distracts you from earning scrills. I could spend that extra 1 hour a day reviewing something I want to learn/unwinding/etc. People rarely take into account the real cost of preparing food.

Additionally, the BIGGEST drawback (financially) is that eating together with people is what builds the best bonds in the real world when time is a scarcity. When it comes to moving forward your career, those loners that eat by themselves get passed up for a lot of stuff because people want to help others that they enjoy spending time with. That $1000 you saved will likely cost you much more money in the future.

This all only matters if you look at it from the financial side. If you don't care (like many of us) do what makes you happy. Money is just a tool.