11/12 Where'd the Money Go?
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Posted by: maituk
Posted on: 2004-11-12 10:03:01
I just want to say to those who have money problems. The key here is problem. Stop looking at the problem. Look for the solutions. Money problems are there. Add a credit card. You are adding to the problem. You already have money problems. Credit is like gambling. If you want to stop. Only use your credit card when you have money. Not when you don't. Never get a credit limit on what you can't afford to pay back. Like gambling. Don't go to the table with your paycheck. Go with no money. No money, no credit. You can't lose what you don't have. Credit like other things do not belong to you. You have to pay it back. If you don't have the money, don't use others money. It isn't yours. Just a thought. Been there done that. I have learned my lessson.
Posted by: maituk
Posted on: 2004-11-12 10:03:01
I just want to say to those who have money problems. The key here is problem. Stop looking at the problem. Look for the solutions. Money problems are there. Add a credit card. You are adding to the problem. You already have money problems. Credit is like gambling. If you want to stop. Only use your credit card when you have money. Not when you don't. Never get a credit limit on what you can't afford to pay back. Like gambling. Don't go to the table with your paycheck. Go with no money. No money, no credit. You can't lose what you don't have. Credit like other things do not belong to you. You have to pay it back. If you don't have the money, don't use others money. It isn't yours. Just a thought. Been there done that. I have learned my lessson.
Spending habits
Posted by: llegrand
Posted on: 2004-11-12 10:32:14
"Only use your credit card when you have money. Not when you don't." Easier said than done for a lot of people. You have to get to the root of the problem first. Telling someone to just stop just does not work. I've told my friends I need help and they don't believe me. Once I pay my bills if i didn't have credit cards i couldn't eat or buy myself anything extra. I'd be home all the time depressed even more.
Posted by: llegrand
Posted on: 2004-11-12 10:32:14
"Only use your credit card when you have money. Not when you don't." Easier said than done for a lot of people. You have to get to the root of the problem first. Telling someone to just stop just does not work. I've told my friends I need help and they don't believe me. Once I pay my bills if i didn't have credit cards i couldn't eat or buy myself anything extra. I'd be home all the time depressed even more.
Posted by: tmicker
Posted on: 2004-11-12 14:49:24
As a matter of fact it is easier said than done. Don't spend what you don't have. If you have that many bills that after you paid them you have to use your credit card to eat and "Do things" than it sounds like you might need a second job. Do you know what you are actually paying when you charge something? Think about the interest. Sounds to me like you need to spend a few weeks at home doing nothing to save some money back so you can get ahead to buy groceries (not eat out), and pay some bills off. Budget is the key...Ask yourself what you can afford. Cable, telephone, cell phone...are these all a necessity of life? Yes it's nice to have them but what are they costing you...alot, since you have to eat on a credit card. Once your credit is ruined it isn't easy to get it back after just one mess up even. It will haunt you.
bills first...nothing later
Posted by: 3sonsmjj
Posted on: 2004-11-12 20:23:32
I can definitely can relate to paying all the bills, and having absolutely nothing leftover and therefore being forced to use a credit card. People might say,"cut your bills down", but when you live on Long Island,N.Y., it is kinda hard to "cut down".
Posted by: 3sonsmjj
Posted on: 2004-11-12 20:23:32
I can definitely can relate to paying all the bills, and having absolutely nothing leftover and therefore being forced to use a credit card. People might say,"cut your bills down", but when you live on Long Island,N.Y., it is kinda hard to "cut down".
Hard to cut down
Posted by: nkshoes
Posted on: 2004-11-14 22:49:22
I notice you say when you live in Long Island..........perhaps you should move to a place you can aford. Is Long Island a necessity? I'd love to live near the beach but ........oops...I can't afford it.
Food for thought.
Posted by: nkshoes
Posted on: 2004-11-14 22:49:22
I notice you say when you live in Long Island..........perhaps you should move to a place you can aford. Is Long Island a necessity? I'd love to live near the beach but ........oops...I can't afford it.
Food for thought.
???
Posted by: topaz324
Posted on: 2004-11-16 09:14:37
I also happen to live on Long Island and I DON"T live here for the beach. I live here because I was raised here and I want my children to be around their relatives. I don't know where you are or if you have family but you have no right to be so rightous about where a person lives. My husband is a police officer, half way to retirement and I work in a home improvement warehouse to help pay the bills. Moving away is not an option at this point in his career. We don't use credit cards unless its an absolute emergency, then we pay them off ASAP. We currently live in a 2 bedroom condo with our 2 children and drive old beat up cars. Are you aware that the average home owner pays between 9,000-20,000 in taxes! And you cannot find an "average" sized home in an acceptable school district, in decent condition for less than $520,000. The home and taxes are more if you own a decent piece of land and/or a new home! So I strongly suggest before you insult someone for where they live, you should inquire as to why they have made this choice. I'm sure you are aware of the addage about walking a mile in someone else's shoes (since you are nkSHOES)!
Posted by: topaz324
Posted on: 2004-11-16 09:14:37
I also happen to live on Long Island and I DON"T live here for the beach. I live here because I was raised here and I want my children to be around their relatives. I don't know where you are or if you have family but you have no right to be so rightous about where a person lives. My husband is a police officer, half way to retirement and I work in a home improvement warehouse to help pay the bills. Moving away is not an option at this point in his career. We don't use credit cards unless its an absolute emergency, then we pay them off ASAP. We currently live in a 2 bedroom condo with our 2 children and drive old beat up cars. Are you aware that the average home owner pays between 9,000-20,000 in taxes! And you cannot find an "average" sized home in an acceptable school district, in decent condition for less than $520,000. The home and taxes are more if you own a decent piece of land and/or a new home! So I strongly suggest before you insult someone for where they live, you should inquire as to why they have made this choice. I'm sure you are aware of the addage about walking a mile in someone else's shoes (since you are nkSHOES)!
I'm also from Long Island
Posted by: topaz324
Posted on: 2004-11-16 09:14:37
I can relate, I am also from Long Island. The reply from nkshoes really struck a nerve with me. I replied to it. Long Island is quickly cutting out its middle and lower classes. Good luck and just keep on trying to make it day by day.
Posted by: topaz324
Posted on: 2004-11-16 09:14:37
I can relate, I am also from Long Island. The reply from nkshoes really struck a nerve with me. I replied to it. Long Island is quickly cutting out its middle and lower classes. Good luck and just keep on trying to make it day by day.
Posted by: brittneyp3
Posted on: 2004-11-12 15:58:31
okay,credit cards are not a crime..read a bible lately?as in its not wrong.my family is in credit card truoble but its only because a tree fell on our house and we have no money and we are trying to rebuild and we dont quit have enough money and my mom is loseing her job and my dad is takeing time off to help rebuild our house and its terrible!so someone go ahead and talk to me about truobles cuz i've got lots.
none
Posted by: person13
Posted on: 2004-11-14 19:15:14
I don't think they r saying credit cards are a crime i just think it's when people go beyond the limit of self control.
Posted by: person13
Posted on: 2004-11-14 19:15:14
I don't think they r saying credit cards are a crime i just think it's when people go beyond the limit of self control.
I'm getting out of debt
Posted by: bunnyhead
Posted on: 2004-11-13 12:17:07
Last summer, I woke up to the fact that I was $10,000 in debt. The sad thing was if you asked me today what I spent it on I couldn't tell you.
Financial advisors like Jean Chatsky and Suze Orman say to track daily spending EXCEPT there really wasn’t anything out there
that was easy and well…fun. Recently, I joined a website called moneypants.com after viewing their delightful animated tour. It was super easy to set up although I had to get over the fear of being honest about what I spend to my surprise I’m not that off. With some minor adjustments I feel I’m on my way to saving money and getting out of debt.
Posted by: bunnyhead
Posted on: 2004-11-13 12:17:07
Last summer, I woke up to the fact that I was $10,000 in debt. The sad thing was if you asked me today what I spent it on I couldn't tell you.
Financial advisors like Jean Chatsky and Suze Orman say to track daily spending EXCEPT there really wasn’t anything out there
that was easy and well…fun. Recently, I joined a website called moneypants.com after viewing their delightful animated tour. It was super easy to set up although I had to get over the fear of being honest about what I spend to my surprise I’m not that off. With some minor adjustments I feel I’m on my way to saving money and getting out of debt.
Credit Cards
Posted by: sushi1062
Posted on: 2004-11-14 09:57:27
Sure, if you don't own credit cards, you won't charge, thus you won't have credit card debts. But have you ever tried to book an airline flight without one? Or tried to make hotel reservations without one? What if your car breaks down and the needed repair is $150? It is smarter to have the financial security of a credit card (provided it isn't maxed out or has at least $200 available credit) for this situation than it is to let your broken-down car sit while trying to save up for the repairs out of upcoming paychecks and risk losing your job if you can't find any other way to get to work. People need their cars. Taking the bus or walking isn't always an option. Especially people with small children or people who aren't in the best of health.
It is very hard to several common transactions (like I mentioned above) without a credit card. A person only needs one and it doesn't have to have a $5,000 limit either. Even if a person has poor credit, a secured credit card, with a small limit, is smart to own.
Having a credit card that reflects timely monthly payments is an asset and is good for improving a poor credit history too.
Posted by: sushi1062
Posted on: 2004-11-14 09:57:27
Sure, if you don't own credit cards, you won't charge, thus you won't have credit card debts. But have you ever tried to book an airline flight without one? Or tried to make hotel reservations without one? What if your car breaks down and the needed repair is $150? It is smarter to have the financial security of a credit card (provided it isn't maxed out or has at least $200 available credit) for this situation than it is to let your broken-down car sit while trying to save up for the repairs out of upcoming paychecks and risk losing your job if you can't find any other way to get to work. People need their cars. Taking the bus or walking isn't always an option. Especially people with small children or people who aren't in the best of health.
It is very hard to several common transactions (like I mentioned above) without a credit card. A person only needs one and it doesn't have to have a $5,000 limit either. Even if a person has poor credit, a secured credit card, with a small limit, is smart to own.
Having a credit card that reflects timely monthly payments is an asset and is good for improving a poor credit history too.
Rediculous
Posted by: karlaknc
Posted on: 2004-11-12 10:13:29
It is appaling to see a grown man enabling his daughter to act like some of the toddlers Dr Phil has had on his show!! It is the worst disservice to his daughter to allow her to behave like this, and actually BELIEVE that it is normal and OK to behave this way. How is she going to merge in a productive way with society?? She will not, she will be one more youth in the world that adds to the statitics of Americans in financial ruin & bankruptcy. On a side note, if she is flying to New York to get that hair cut, she is getting ripped off!!
Posted by: karlaknc
Posted on: 2004-11-12 10:13:29
It is appaling to see a grown man enabling his daughter to act like some of the toddlers Dr Phil has had on his show!! It is the worst disservice to his daughter to allow her to behave like this, and actually BELIEVE that it is normal and OK to behave this way. How is she going to merge in a productive way with society?? She will not, she will be one more youth in the world that adds to the statitics of Americans in financial ruin & bankruptcy. On a side note, if she is flying to New York to get that hair cut, she is getting ripped off!!
"Rediculous" (sic)
Posted by: goodgirl3
Posted on: 2004-11-12 17:46:30
You have got to admit that girl had some cute taste in clothes.
Posted by: goodgirl3
Posted on: 2004-11-12 17:46:30
You have got to admit that girl had some cute taste in clothes.
TOTALLY INSANE
Posted by: jhadur
Posted on: 2004-11-13 16:48:25
This father is doing himself and his daughter a great disservice. She should have the allowance and nothing more. She is a spoiled brat and she knows it and has no shame or remorse. There are children and animals out there that go with out the basic necessities of life and no one cares. Here this girl is spending like she is Donald Trumps daughter. She needs to get real and stop acting like the world owes her a living with all the luxuries. She needs to have a minimum wage, hard laborous job, and know how hard it is to earn all that money that she so freely squanders.
Posted by: jhadur
Posted on: 2004-11-13 16:48:25
This father is doing himself and his daughter a great disservice. She should have the allowance and nothing more. She is a spoiled brat and she knows it and has no shame or remorse. There are children and animals out there that go with out the basic necessities of life and no one cares. Here this girl is spending like she is Donald Trumps daughter. She needs to get real and stop acting like the world owes her a living with all the luxuries. She needs to have a minimum wage, hard laborous job, and know how hard it is to earn all that money that she so freely squanders.
Spoiled
Posted by: susiekluze
Posted on: 2004-11-13 20:15:50
Well, I don't know what to say because I really can't relate to her. I'm 21 years old. I own a house, I have two children, and my husband and I pay ALL of our own bills. We've started out in debt. He grew up in the projects and took student loans out for almost all of his education. I come from a fairly well-off family, but I can absolutely forget about asking them for money. My parents don't even pay for the college I'm attending (they may be WILLING to do that, but it comes at a personal cost). My parents are so stringent about finances that I will do just about anything to avoid getting in to financial situations with them; it is not worth the aggravation. So I do it on my own. I will admit, sometimes it is very frustrating. I would like to be selfish, but I can’t afford to be. I'm not ashamed to say that most of my shopping is done at thrift stores. As aggravating as it is seeing this young woman who can snap her fingers and have everything she wants, I think in the long run I'll be better off. I have always known responsibility since my adulthood, and living on a tight budget has taught me to not look for extras.
Posted by: susiekluze
Posted on: 2004-11-13 20:15:50
Well, I don't know what to say because I really can't relate to her. I'm 21 years old. I own a house, I have two children, and my husband and I pay ALL of our own bills. We've started out in debt. He grew up in the projects and took student loans out for almost all of his education. I come from a fairly well-off family, but I can absolutely forget about asking them for money. My parents don't even pay for the college I'm attending (they may be WILLING to do that, but it comes at a personal cost). My parents are so stringent about finances that I will do just about anything to avoid getting in to financial situations with them; it is not worth the aggravation. So I do it on my own. I will admit, sometimes it is very frustrating. I would like to be selfish, but I can’t afford to be. I'm not ashamed to say that most of my shopping is done at thrift stores. As aggravating as it is seeing this young woman who can snap her fingers and have everything she wants, I think in the long run I'll be better off. I have always known responsibility since my adulthood, and living on a tight budget has taught me to not look for extras.
Guess what...
Posted by: lemon345
Posted on: 2004-11-14 13:24:44
I'm sure Katie can't relate to you, either. She's 21 years old and chose not to get herself into a situation with children until she's good and ready for it. She just doesn't need to support herself right now! Yes, she overspends, but no, it's not a tragedy that she doesn't pay ALL of her own bills at the age of 21! I went to an excellent college where almost everyone's parents supported them financially 100%. Are we all floundering right now, not knowing how to manage our money? No, we're actually among the most successful people in the country, because we were smart enough to get into the elite school in the first place, and we're smart enough to adapt to the real world once we have to.
Posted by: lemon345
Posted on: 2004-11-14 13:24:44
I'm sure Katie can't relate to you, either. She's 21 years old and chose not to get herself into a situation with children until she's good and ready for it. She just doesn't need to support herself right now! Yes, she overspends, but no, it's not a tragedy that she doesn't pay ALL of her own bills at the age of 21! I went to an excellent college where almost everyone's parents supported them financially 100%. Are we all floundering right now, not knowing how to manage our money? No, we're actually among the most successful people in the country, because we were smart enough to get into the elite school in the first place, and we're smart enough to adapt to the real world once we have to.
In my own defense
Posted by: susiekluze
Posted on: 2004-11-15 09:35:14
Listen,
I really don't have to be lambasted because I chose a road less traveled. I am not stupid. I go to a perfectly accredited (and financially reasonable) state school. I'm a senior and my GPA is a 3.85 (what was yours?). My husband went to a tier 40 school, the second best school in the country for software engineering. He graduated with honors (did you?). We own a house, we own a car, I don't ask for extra things from anyone, and we both work together to make our situation the best it can be. I come from a wealthy family too, and they are all very highly educated (my grandfather was a professor at Harvard, my grandmother a professor at Wellesley, my mother is a CPA, and my Dad works for Microsoft, and my brother is an engineer). I simply prefer not to ask them for money. My husband and my situation is not perfect yet, but we are on a good path. I would gladly put myself up against anyone with such a superiority complex because they decided to provide themselves with a mundane, run of the mill, typical lifestyle.
Posted by: susiekluze
Posted on: 2004-11-15 09:35:14
Listen,
I really don't have to be lambasted because I chose a road less traveled. I am not stupid. I go to a perfectly accredited (and financially reasonable) state school. I'm a senior and my GPA is a 3.85 (what was yours?). My husband went to a tier 40 school, the second best school in the country for software engineering. He graduated with honors (did you?). We own a house, we own a car, I don't ask for extra things from anyone, and we both work together to make our situation the best it can be. I come from a wealthy family too, and they are all very highly educated (my grandfather was a professor at Harvard, my grandmother a professor at Wellesley, my mother is a CPA, and my Dad works for Microsoft, and my brother is an engineer). I simply prefer not to ask them for money. My husband and my situation is not perfect yet, but we are on a good path. I would gladly put myself up against anyone with such a superiority complex because they decided to provide themselves with a mundane, run of the mill, typical lifestyle.
To answer your questions
Posted by: lemon345
Posted on: 2004-11-17 16:01:23
I went to Dartmouth, received honors in my major (Genetics), and went on to medical school. My GPA wasn't as high as yours, but let's be honest, you can't exactly compare a GPA from a state school to a GPA from an Ivy League school. After being supported by my parents all through college, I'm now supporting myself with a limited amount of money from government loans, and am managing my finances just fine. You want to call medical school a mundane, run of the mill existence? Be my guest :)
Posted by: lemon345
Posted on: 2004-11-17 16:01:23
I went to Dartmouth, received honors in my major (Genetics), and went on to medical school. My GPA wasn't as high as yours, but let's be honest, you can't exactly compare a GPA from a state school to a GPA from an Ivy League school. After being supported by my parents all through college, I'm now supporting myself with a limited amount of money from government loans, and am managing my finances just fine. You want to call medical school a mundane, run of the mill existence? Be my guest :)
Way to go
Posted by: nkshoes
Posted on: 2004-11-14 22:57:12
I'm with you 100%. Dr. Phil should do a show with us. I only shop at thrift stores and believe this one........only buy the discounted tickets at the thrift stores. All designer clothes I might add. Lived through unemployment twice, own my home and my car. Can you just scream when you hear a spoiled brat saying "I never look at the price tag?"........You're right... we will be better off, we are better off. I wouldn't trade places for any amount of money. It's great to feel good about yourself and know YOU did it. Cmon Dr. Phil.... jet us to Cal. and let us show you how REAL people live....
You're big on "getting real" !!!!
$29,000 in credit cards.... oh please
Posted by: nkshoes
Posted on: 2004-11-14 22:57:12
I'm with you 100%. Dr. Phil should do a show with us. I only shop at thrift stores and believe this one........only buy the discounted tickets at the thrift stores. All designer clothes I might add. Lived through unemployment twice, own my home and my car. Can you just scream when you hear a spoiled brat saying "I never look at the price tag?"........You're right... we will be better off, we are better off. I wouldn't trade places for any amount of money. It's great to feel good about yourself and know YOU did it. Cmon Dr. Phil.... jet us to Cal. and let us show you how REAL people live....
You're big on "getting real" !!!!
$29,000 in credit cards.... oh please
Spoiled child
Posted by: happyone70
Posted on: 2004-11-13 20:20:10
Can you imagine what some poor husband is going to have to put up with this young spoiled child. She will pour on the tears every time she wants something. This father is not preparing this girl for a future life with someone else. Money problems is why a lot of young marriages end up so early.
Posted by: happyone70
Posted on: 2004-11-13 20:20:10
Can you imagine what some poor husband is going to have to put up with this young spoiled child. She will pour on the tears every time she wants something. This father is not preparing this girl for a future life with someone else. Money problems is why a lot of young marriages end up so early.
