money money money

How are you with money? Are you a conservative person when it comes to money because you are thinking about the future or you are saving for a big purchase? Or are you a spender who freely spends your money without much thought?

I used to spend it so fast, but since I actually kind of have to be more responsible with everything I have become far more conservative with buying than before.

omg... you reminded me of Mr. Krabs with that title. XDDDD

Anyway, I spend it quite a bit. Just Labor day weekend alone, I spent a lot because of plushies and artist alley stuff at an anime convention. I have been pretty good with limiting myself with the amount I spend, but it all depends on what I want too. I spend most of it on things I don't actually NEED. lol

Managing finances is something I'm focusing on. Its actually something I think about a lot, because I live on my own (well, I have roommates, but you know) and pay for all of my own food, and bills, car payments, insurance, and rent. Occasionally, I come up short and have to resort to asking for help, and I don't like doing that.

My number one problem with money is food. I dine out a lot, and I eat at fast food restaurants a lot. I enjoy cooking, but I find it to be a hassle and because of my schedule, I don't have the time. I just want something fast. I'm trying to change that around, and so far, its going good.

I looked at my finances the other day, and I tend to spend about $650 or so on dining and fast food within one month. That's absolutely terrible, and is the root to my coming up short with rent sometimes. As soon as I saw just how much money I was spending, I knew I had to change something. So now I'm spending about $20.00 a week on simple things like soup and pasta sides that I can eat, instead of more convenient fast food.

Apart from food, I don't really buy anything.

I'm trying to become more frugal and responsible with my money, because I like having money. I don't like living paycheck to paycheck and would rather save as much as I can.

I'm only a big spender whenever I want something, such as a new game or a new gadget, but other than that I tend to save money as much as I can in the long run.

Personally I am just a flat out spender. I have such a hard time saving money because I like to buy on impulse. I will be in a store with the intention of spending maybe $20 on a few things that I need and end up spending double that. Also, I am a person that likes to eat out a lot. When I am at school I eat Subway everyday and that is about $8 each time and that really adds up a lot. I wish I was a bit more conservative and because I live at home still one would think it would be easier for me to save, but that just simply isn't the case, haha.

I try to be conservative and manage to do so quite well most of the time, but once I start spending I can't really stop.

I almost never buy needless things, because I don't like spending money.
...Pokemon stuff is an exception, some of the time. I bought a Mewtwo plush a couple of days ago for $7.

I'm actually surprisingly good with money, but mostly because my parents usually get me the stuff I want if I've been good and do my chores and stuff. I currently have a lot of money saved up, around $400 I believe.

I don't buy much, so when the time comes that I have to spend it on like an event or just for random food, it doesn't break the bank. There's a lot of stuff coming out soon that I want, so I might have to start spending money again. *sigh*

Whenever I get my check every week, I end up spending more than half of it one way or another. I give the rest of the money away to my parents, so that they wouldn't have to be too worried about to paying their bills. I rarely save any money, because I just don't think it's the right time for me to start saving. Right now, I think I only have about three hundred dollars in my bank account. d:

Let's put it this way.. if I won $2000, I would use $50 on myself for something I need (new coat/ shoes for winter), $50 on some little gifts for others, and stick the rest in the bank to save.

Money. A necessary evil. :d

I live with my family at this moment because we can't do much on our own in our current situation. Usually, I spend most of my check within the week for bills, and throughout the rest of the next week we focus more on necessities to survive during each day.

I got nothing saved up at this time, because every cent goes somewhere.

Kura said:

Let's put it this way.. if I won $2000, I would use $50 on myself for something I need (new coat/ shoes for winter), $50 on some little gifts for others, and stick the rest in the bank to save.

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I really wish I could be more like you, haha. That would be wonderful to be able to save like that for future expenses. How are you able to resist the urges to spend it?

I dont really spend my moolah zat much. I like to save it for when I need it most.
why right now I have a nice little 5 buck bill tucked safely under my keyboard lol.
*checks under keyboard* yep still their. lool

I hardly spend any money that I don't need to spend. I haven't bought new clothes in about 4 years. Occasionally though I do make impulse purchases. Biggest impulse purchase I made was a $2,100 laptop, but at the time that wasn't even a 1/3rd of what I had, so it didn't really affect me at all.

Kyrul said:

I hardly spend any money that I don't need to spend. I haven't bought new clothes in about 4 years. Occasionally though I do make impulse purchases. Biggest impulse purchase I made was a $2,100 laptop, but at the time that wasn't even a 1/3rd of what I had, so it didn't really affect me at all.

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That is quite a big impulse purchase. See my issue with impulse purchases is, I buy too many little things and it just adds up over time. Most of these things are food related which is a problem because I shouldn't be spending so much money on food when there is plenty at home. If I could stop this, I'd probably have a lot more money saved up and could make big purchases like that.

I'm big on saving my money, but if there's something that I'd like to get, then by all means I'll start spending it. That doesn't mean that I can't budget - I can most definitely do that sort of thing.

I'll save my money for a long time, decide on what I want, and then spend most of it within a few weeks.

jellicentfan1 said:

I really wish I could be more like you, haha. That would be wonderful to be able to save like that for future expenses. How are you able to resist the urges to spend it?

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I ask myself if I really need it and most of the time I realize I could live without it.