FH keeps telling me to space it out.. but sitting on the computer all day at work, I want to order everything... I order something everyday !!!!!!!! yikes...
I'm trying so hard to wait to next week to purchase these handbags.. I would need to get 12 & that's $200 ...
How do u control urselves... i love to recive packages in the mail ..like, hummm. which order is this one! hahaha
we're saving for a house. so that's an incentive to NOT spend!
David'sbride
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Re: How do u stop urself from buying everything..
I also have to buy a car, we hope to have kids soon (due to our ages) and a bigger house in a couple of years. I need all of the $$$ I can get for those things. We are 34 and 37 and no kids. I don't have a few years to recover economically. That's how I stop myself.
When I teach that concept to my economics classes we call that 'projecting future utility'. Will you get more satisfaction out of spending the money now or later?
Borricuamorena0905
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Re: How do u stop urself from buying everything..
Posted by boobobunny
I leave my credit cards at home
I know my credit card # by heart, girl!
Borricuamorena0905
Posted:
Member since
Re: How do u stop urself from buying everything..
Posted by David'sbride
I also have to buy a car, we hope to have kids soon (due to our ages) and a bigger house in a couple of years. I need all of the $$$ I can get for those things. We are 34 and 37 and no kids. I don't have a few years to recover economically. That's how I stop myself.
When I teach that concept to my economics classes we call that 'projecting future utility'. Will you get more satisfaction out of spending the money now or later?
Nice, I have to keep reminding myself... FUTURE, FUTURE, FUTURE..
Not easy.... though...
micmar
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Member since
Re: How do u stop urself from buying everything..
I don't - I'm doing the same exact thing, seeing a million things I want to buy for bridesmaids, flower girls, etc...it's nuts...and I'm your date twin!!
micmar
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Re: How do u stop urself from buying everything..
I know my credit card number by heart as well!!
Mrs. dleeny
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Re: How do u stop urself from buying everything..
Posted by Borricuamorena0905
Posted by boobobunny
I leave my credit cards at home
I know my credit card # by heart, girl!
OMG!!!!!!! LOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!! that is hilarious!! I only know the first number.
Borricuamorena0905
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Member since
Re: How do u stop urself from buying everything..
Posted by micmar
I don't - I'm doing the same exact thing, seeing a million things I want to buy for bridesmaids, flower girls, etc...it's nuts...and I'm your date twin!!
Yeah! Date twin!!!!!!!!!!! Must be something about that date then.. I have been good today.. Yesterday I purchased 2 things.. How about you?
Darcy
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Re: How do u stop urself from buying everything..
I'm poor. That is how I control myself. That and I realize how useless half the stuff I want to buy is.
Borricuamorena0905
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Re: How do u stop urself from buying everything..
Posted by dleeny
Posted by Borricuamorena0905
Posted by boobobunny
I leave my credit cards at home
I know my credit card # by heart, girl!
OMG!!!!!!! LOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!! that is hilarious!! I only know the first number.
That's a good thing then....
Borricuamorena0905
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Re: How do u stop urself from buying everything..
Posted by Darcy
I'm poor. That is how I control myself. That and I realize how useless half the stuff I want to buy is.
I'm poor too... ur day is closer, so I understand.. COme Sept. when we have to make that BIG LAST PAYMENT. I will be saying the same thing!!!!!!
hbradio
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Member since
Re: How do u stop urself from buying everything..
I used to do the same thing!!! I am hoping for some nice suprises when I go through the 'wedding piles' next week!
David'sbride
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Member since
Re: How do u stop urself from buying everything..
You need to stick with me. I paid off my student loan 8 years early thus saving about 9K. Getting married on a Monday (holiday weekend) instead of a Saturday and saving over $15K for the same reception at the same place. Make car payments to myself thus don't finance autos.
I taught my college eco kids how to negotiate with a car dealer today. I'm ruthless. I either don't buy it or I always negotiate the price. My wedding shoes retailed for over $100 and I bought them for $24. Careful bargaining.
Some people get a rush from spending, I get a rush from saving
Mrs. dleeny
Posted:
Member since
Re: How do u stop urself from buying everything..
Posted by David'sbride
You need to stick with me. I paid off my student loan 8 years early thus saving about 9K. Getting married on a Monday (holiday weekend) instead of a Saturday and saving over $15K for the same reception at the same place. Make car payments to myself thus don't finance autos.
I taught my college eco kids how to negotiate with a car dealer today. I'm ruthless. I either don't buy it or I always negotiate the price. My wedding shoes retailed for over $100 and I bought them for $24. Careful bargaining.
Some people get a rush from spending, I get a rush from saving
wow, that is great! I also managed to cut some corners in order to save several THOUSANDS!
Donna&Joe708
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Member since
Re: How do u stop urself from buying everything..
I use my debit card for everything...this way it comes right out of my checking account and I'm not tempted to overspend.
brooklynbridezilla
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Member since
Re: How do u stop urself from buying everything..
Posted by David'sbride
You need to stick with me. I paid off my student loan 8 years early thus saving about 9K. Getting married on a Monday (holiday weekend) instead of a Saturday and saving over $15K for the same reception at the same place. Make car payments to myself thus don't finance autos.
I taught my college eco kids how to negotiate with a car dealer today. I'm ruthless. I either don't buy it or I always negotiate the price. My wedding shoes retailed for over $100 and I bought them for $24. Careful bargaining.
Some people get a rush from spending, I get a rush from saving
You are my HERO!!! That's awesome savings!
jennandrob
Posted:
Member since
Re: How do u stop urself from buying everything..
Posted by David'sbride
You need to stick with me. I paid off my student loan 8 years early thus saving about 9K. Getting married on a Monday (holiday weekend) instead of a Saturday and saving over $15K for the same reception at the same place. Make car payments to myself thus don't finance autos.
I taught my college eco kids how to negotiate with a car dealer today. I'm ruthless. I either don't buy it or I always negotiate the price. My wedding shoes retailed for over $100 and I bought them for $24. Careful bargaining.
Some people get a rush from spending, I get a rush from saving
You must teach us....that's awesome!!!
David'sbride
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Member since
Re: How do u stop urself from buying everything..
I've learned all of my money management from my Dad and by being REALLY disciplined.
My mom died when I was young but she didn't work at the time. My Dad worked for the phone company and has a high school diploma. He was able to buy a house in a neighborhood he should have not really been able to afford and send my brother and myself to Catholic school and private college.
How?
1. He grew up with a 'depression era' mentality. He lived without a lot growing up and knew things don't make you happy, people and experiences do.
2. He was a carpenter before I was born... he never had to hire someone to work on the house. Most of the expense in hiring people to work on your house is labor. He did EVERYTHING... even made his own kitchen cabinets from SCRATCH. We always had the most beautifully kept house. He loved working on it and had a nicer house because he did the work. Yes, I have a masters degree in history and the equivalent of a PhD from Home Depot...LOL.
3. We rarely went out to eat... Friendly's for ice-cream for a good report card. A real restaurant when we graduated. I've eaten lobster for every graduation...lol.
4. Two vacations only from 1979-1992. Both times Ireland to visit and stay with relatives.
5. For 11 months while I was at a private college (1990) about $18,000 a year he was on strike. NO INCOME came in for 11 months. His share of my tuition payment was over $1K and his mortgage was over $1K each month. How he did it I don't know. My tuition was paid. He bartended at the Knights of Columbus and sold Newsday door to door to college kids at Hofstra University. He was 53 at the time. Two of his friends got him the jobs off the books to keep us afloat. My brother and I often joke, 'Dad were you running a brothel or secretly in the mafia or something?' Every dime must have went to the house and my tuition.
I'm a teacher in one of the lowest paying districts in Nassau county but I make more money than my father ever saw and trust me I don't make a lot.
If my Dad could do it we all can do it. You need to set your priorities and keep your 'eyes on the prize' ladies.
It's not what you make, it's what you save and spend.
Whenever you want to blow money on something little thing ask yourself... 'Do I want my (insert big ticket item) sooner or later?
Oh, and invest. It's really not that scarey. Ladies you need more money because chances are you will live longer than your husbands. Your retirement is very important.
I'll try to post some $$$ saving tips when I get a chance. I'm swapmed with work as it is the end of the academic quarter.
