Archived

This topic is now archived and is closed to further replies.

Brokenbad

Escaping the mindset of a poor person, help please.

34 posts in this topic

I love my new job, it is a dream come true.

I make twice as much in one paycheck as I did in one month with my old job, PLUS I have unbeatable benefits, my rent and health care are now completely covered in addition to my increase in pay.

I have never been wasteful with money, but I didn't have a dime to spend when I was with my old job, in fact, I was behind on bills and most of the time we did without. We faced some really hard times.

Having said all of this, it is hard for my wife and I to escape the mindset that we are still broke. We buy groceries and we still spend as though we can barely afford them, we still worry our credit cards are going to decline any time we purchase something, and we still refrain from buying anything name-brand or more effecient.

Is this a bad thing? Should I change my mindset?

Share this post


Link to post
Share on other sites

if you can keep part of this mindset, it's not all bad. but you don't want to be a penywise and a dollar foolish.

if you wonder about the credit cards not going thru, thats easy. just don't use them and pay them down if the angst is at that level.

there are times we might be rolling and other times we have to hunker down and say no to lots of things. just part of life and as long as you value important things, it will keep you having a good perspective.

Share this post


Link to post
Share on other sites

Make a budget and make your money do what you want and don't spend a penny more.

Pay off your credit cards and trash them.

Win win.

1 person likes this

Share this post


Link to post
Share on other sites

I would payoff all credit cards and then if you are making enough put away a years worth of salary for a rainy day fun. That mind set isn't bad, my problem is I like expensive toys and eventually go oh what the hell and buy it

1 person likes this

Share this post


Link to post
Share on other sites

at least its not the other way around, an over-spender in a situation that requires a bit of frugality

1 person likes this

Share this post


Link to post
Share on other sites

save it all

medical bills will eventually take everything...for you....for a loved one

as someone who is on their way out, take my advice, save to die or things will be very painful and very rough. not to mention leaving debt or leaving something for those left behind...greed is so underrated people still 'living' will not and do not care.

sad but true...400k is a joke, double that and youll be ok

Share this post


Link to post
Share on other sites

It's hard out here for a pimp

It's harder on these hoes tho

Share this post


Link to post
Share on other sites

Save it for a rainy day. Because most likely you will need it down the road. Once you get a nice nest egg reward yourself and the wife. Set anothers goal limit and repeat.

Share this post


Link to post
Share on other sites

If you have disposable income, you might want to start saving or investing. It is never a bad thing to live below your means.

Share this post


Link to post
Share on other sites

  • Topics

  • Posts

    • You miss the point. Taylor was here before. We picked him because of what he could do for our wide receivers not because he had some great knowledge no other person had on the staff. Shula and Rivera and Gettleman studied multiple college systems for months before signing Taylor or drafting McCaffrey or Curtis and would have drafted the same whether Taylor was here or not. They liked the way Taylor developed McCaffrey which showed his talent but Stanford's offense wasn't Taylors idea or unique to him. Shula has a connection to Taylor as early as when Shula was at Alabama.  The debate was whether Taylor was chosen to replace Shula because Shula didn't know what to do to run a college offense and if he screwed up Taylor would replace him. And that Taylor was the reason and most influential in getting McCaffrey. I said it wasn't even close to the truth and this plan predated Taylor and was more thorough and we'll thought out. Everything since then just confirms I was right once again like usual.  
    • Assholes should've never taken it away in the first place.  Me and a couple buddies had a hookup and were all hyped up and planned out going to it... then the NBA had to get all political and take it out on the city of Charlotte and the fans -- which made no fuging sense.  Seriously doubt we'll even get the chance to go again.
    • 6'6" 255.  He'll definitely have some good mentors with JP, CJ and the rest of the D-Line crew. 255 he'll need to put some weight on don't you think?