Spending Habits
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I spend in moderation. But when I was a teenager, I had a big problem with spending, I was spending my $$ before I even got it.
I remember going to the flea market one time and I found something (don't remember what) I wanted to buy. It was five dollars. I bargained with the guy to give it to me for $4, then I paid him with a five dollar bill. :lol
I'm definitely frugal, but every now and then I'll go on a spending spree. I tend not to spend much on myself and won't spend much if I go out by myself, but if I'm with a group, I'll spend more.
Even though I have more money than most people my age, I'm very concerned about saving for the future. Between company stock and 401(k), I take $100 a week out of my paycheck. I look at it this way: I'm getting free money by investing in this. The company matches my 401(k) contributions up to 3% of my gross pay. As for the stock, I get a 10% discount when I buy it through the company (UPS), so as long as the stock price stays the same or goes higher, I am making at least 10%. Granted, it could go down, but a solid company like UPS usually grows over the long term.
I'm definitely frugal, but every now and then I'll go on a spending spree. I tend not to spend much on myself and won't spend much if I go out by myself, but if I'm with a group, I'll spend more.
Even though I have more money than most people my age, I'm very concerned about saving for the future. Between company stock and 401(k), I take $100 a week out of my paycheck. I look at it this way: I'm getting free money by investing in this. The company matches my 401(k) contributions up to 3% of my gross pay. As for the stock, I get a 10% discount when I buy it through the company (UPS), so as long as the stock price stays the same or goes higher, I am making at least 10%. Granted, it could go down, but a solid company like UPS usually grows over the long term.
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I'm pretty cheap, but I'll spend money when I need to (automobile upkeep etc).
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I spend some and save some. I figure I can't take it with me when I'm gone so I might as well enjoy a few luxuries. All I do is work and go home at the end of the day, so I guess I'm entitled to treating myself to a few things every now and then. I don't go overboard though, I save more than I spend and I have a pile of my savings invested in time certificates. Of course now the interest rate is going up since after I already invested it :roll
I'm a penny pincher. I'll spend money if I see a good reason. For example my apartment is on the expensive side, but it is a 5 minute drive to work (well, it was when I was working), and it has a sunny kitchen, and a small fenced off patio where I can sit outside, and is quiet. On the other hand, my car is very cheap, but it gets the job done and a fancy car wouldn't really add anything to my life.
A new level, huh? I bet my oldest brother could beat you. He picks up used clothing dropped off at his community center and if it fits he will keep it. It it's too small for him he offers it to his friend. He'd be perfectly willing to wear another man's underwear if they fit. Can you top that? When I say he loves to get into another man's pants, that may not be a reference to his sexual orientation -- it literally means he wears pants others guys has thrown away.Amozza said:
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I actually save most of my money. I figure I may need it someday. There are times where I will spend some and not think twice. It depends. I am extremely cautious with my credit card (yes, I only have one!).
I don't like to spend money, these days i don't work so i scounger all money from my birthday and christmas and keep it in a card in my room and try to think of things to spend it on. I don't like the prices on stuff these days, skin care maintenance prices are through the roof and clothes are hard to find at low prices and good brands. Lately i bought i got a couple comedy dvd's and sun tan lotion for my daily sunbathes..Thats it so far.
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I am frugal but not to the cheapskate status. My brother and my father tease me about how much I tip people from time to time.
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I am frugal, but I have been known to spend money here and their. Like my last vacation for instance. I vacationed for 7 days at Cape Cod on the East Coast and spent close to 2 grand. Boy ooohhh boy was that fun!! If I could go back in time i'd probably spend even more than that :lol
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I would be more than willing to wear used clothes if it's free. Not underwear though... :um But I'll take anything else! I've saved almost all the money I've had, and my fear is that it'll all become worthless by the time I decide to use it. :umUltraShy said:
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i voted third.
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OMG! :lol
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I spend too much, but I'm steadily becoming more frugal...mostly because I have to! The last few years (thanks to my precarious job situation) have really hammered home the value of a buck. It has been a good (albeit humbling) experience.
Oh, and UltraShy, I think your motto should be "if it's free, then it's for me!" Things always sound better when they rhyme.
Oh, and UltraShy, I think your motto should be "if it's free, then it's for me!" Things always sound better when they rhyme.
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I don't spend a lot but I wouldn't say I'm cheap. And I usually feel it's worth it to spend more for quality. e.g. I buy expensive tires because they're worth the money. I can also be a very good tipper because I've worked in food service before and know how hard the job can be. But I don't buy a lot of stuff... if I go to a mall, I genuinely can't find anything I want to buy (until I get to the computer store). And I hate having to overpay for stuff (like at airports, etc).
I try to save most of my money, but I don't do without. Right now I have been spending a little money to fix things around my house. Last summer I had a new furnace and water heater put in. The furnace was 45 years old and the water heater was 20. Now when summer comes I have to get the old clay sewer pipe replaced. Then the roof needs to be re shingled.
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