True Confessions - Don't Judge
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chocolate_owl wrote: »I confess I think most people live well outside their means and don't think enough about their future.
Yes! I look at people I know who make about the same money as us and think "how do they afford all that?!" Bigger house, newer cars, stupid stuff like Yeti coolers. But we're putting a good hunk away for later so we live well below what we bring in. Helps me sleep at night.
I talk with students and younger people a lot about this. What prompted me to post was talking to a 25 year old that said he would have LOVED. class in high school with information we were talking about. I mean, I am an educator and we din't make lots of money, but I don't spend much, have been scrimping and investing every bit I can, and made it all work. But I have friends who tell me how broke they are that they can't pay bills, but we are out at lunch and they are talking on the newest phones, ordering like crazy, and we go out in their nice cars. Crazy.
I haven't had a car payment or any payments but my mortgage in over 12 years. That alone is a huge savings. I do all my work on cars and my house myself, which saves $1000's and more each year. So many ways to save...I see so many younger people leveraging and spending their future now.
Anyway...off my soap box.
I'm 28. I own my place and put extra toward my mortgage payment each month, I have no car payment, student loans, or credit card debt, I have a year's salary in the bank, and I can afford a couple of vacations every year. Before we got married, I made my husband get his finances in shape.
My parents taught me to budget by giving me a wad of cash each month and telling me I had to make it last until next month. All my lunches, any time I went out with friends, new clothes, subway passes, birthday presents, etc... I very quickly learned that I had to budget, and I learned not to "loan" money to certain friends. It's the best thing they did for me growing up. School never taught me anything about money, and that's pathetic. It's one of the most important real-world skills to have.
Same here.
Except those darn lap dances are real budget busters !!
.... not that I'm complaining.1 -
Motorsheen wrote: »chocolate_owl wrote: »I confess I think most people live well outside their means and don't think enough about their future.
Yes! I look at people I know who make about the same money as us and think "how do they afford all that?!" Bigger house, newer cars, stupid stuff like Yeti coolers. But we're putting a good hunk away for later so we live well below what we bring in. Helps me sleep at night.
I talk with students and younger people a lot about this. What prompted me to post was talking to a 25 year old that said he would have LOVED. class in high school with information we were talking about. I mean, I am an educator and we din't make lots of money, but I don't spend much, have been scrimping and investing every bit I can, and made it all work. But I have friends who tell me how broke they are that they can't pay bills, but we are out at lunch and they are talking on the newest phones, ordering like crazy, and we go out in their nice cars. Crazy.
I haven't had a car payment or any payments but my mortgage in over 12 years. That alone is a huge savings. I do all my work on cars and my house myself, which saves $1000's and more each year. So many ways to save...I see so many younger people leveraging and spending their future now.
Anyway...off my soap box.
I'm 28. I own my place and put extra toward my mortgage payment each month, I have no car payment, student loans, or credit card debt, I have a year's salary in the bank, and I can afford a couple of vacations every year. Before we got married, I made my husband get his finances in shape.
My parents taught me to budget by giving me a wad of cash each month and telling me I had to make it last until next month. All my lunches, any time I went out with friends, new clothes, subway passes, birthday presents, etc... I very quickly learned that I had to budget, and I learned not to "loan" money to certain friends. It's the best thing they did for me growing up. School never taught me anything about money, and that's pathetic. It's one of the most important real-world skills to have.
Same here.
Except those darn lap dances are real budget busters !!
.... not that I'm complaining.
Oi..I said for you they were free
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slimgirljo15 wrote: »Motorsheen wrote: »chocolate_owl wrote: »I confess I think most people live well outside their means and don't think enough about their future.
Yes! I look at people I know who make about the same money as us and think "how do they afford all that?!" Bigger house, newer cars, stupid stuff like Yeti coolers. But we're putting a good hunk away for later so we live well below what we bring in. Helps me sleep at night.
I talk with students and younger people a lot about this. What prompted me to post was talking to a 25 year old that said he would have LOVED. class in high school with information we were talking about. I mean, I am an educator and we din't make lots of money, but I don't spend much, have been scrimping and investing every bit I can, and made it all work. But I have friends who tell me how broke they are that they can't pay bills, but we are out at lunch and they are talking on the newest phones, ordering like crazy, and we go out in their nice cars. Crazy.
I haven't had a car payment or any payments but my mortgage in over 12 years. That alone is a huge savings. I do all my work on cars and my house myself, which saves $1000's and more each year. So many ways to save...I see so many younger people leveraging and spending their future now.
Anyway...off my soap box.
I'm 28. I own my place and put extra toward my mortgage payment each month, I have no car payment, student loans, or credit card debt, I have a year's salary in the bank, and I can afford a couple of vacations every year. Before we got married, I made my husband get his finances in shape.
My parents taught me to budget by giving me a wad of cash each month and telling me I had to make it last until next month. All my lunches, any time I went out with friends, new clothes, subway passes, birthday presents, etc... I very quickly learned that I had to budget, and I learned not to "loan" money to certain friends. It's the best thing they did for me growing up. School never taught me anything about money, and that's pathetic. It's one of the most important real-world skills to have.
Same here.
Except those darn lap dances are real budget busters !!
.... not that I'm complaining.
Oi..I said for you they were free
Not tipping would be poor form.
.... and not nearly as much fun.0 -
Motorsheen wrote: »slimgirljo15 wrote: »Motorsheen wrote: »chocolate_owl wrote: »I confess I think most people live well outside their means and don't think enough about their future.
Yes! I look at people I know who make about the same money as us and think "how do they afford all that?!" Bigger house, newer cars, stupid stuff like Yeti coolers. But we're putting a good hunk away for later so we live well below what we bring in. Helps me sleep at night.
I talk with students and younger people a lot about this. What prompted me to post was talking to a 25 year old that said he would have LOVED. class in high school with information we were talking about. I mean, I am an educator and we din't make lots of money, but I don't spend much, have been scrimping and investing every bit I can, and made it all work. But I have friends who tell me how broke they are that they can't pay bills, but we are out at lunch and they are talking on the newest phones, ordering like crazy, and we go out in their nice cars. Crazy.
I haven't had a car payment or any payments but my mortgage in over 12 years. That alone is a huge savings. I do all my work on cars and my house myself, which saves $1000's and more each year. So many ways to save...I see so many younger people leveraging and spending their future now.
Anyway...off my soap box.
I'm 28. I own my place and put extra toward my mortgage payment each month, I have no car payment, student loans, or credit card debt, I have a year's salary in the bank, and I can afford a couple of vacations every year. Before we got married, I made my husband get his finances in shape.
My parents taught me to budget by giving me a wad of cash each month and telling me I had to make it last until next month. All my lunches, any time I went out with friends, new clothes, subway passes, birthday presents, etc... I very quickly learned that I had to budget, and I learned not to "loan" money to certain friends. It's the best thing they did for me growing up. School never taught me anything about money, and that's pathetic. It's one of the most important real-world skills to have.
Same here.
Except those darn lap dances are real budget busters !!
.... not that I'm complaining.
Oi..I said for you they were free
Not tipping would be poor form.
.... and not nearly as much fun.
You don't need money in your hand is all Im saying
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@Motorsheen I think I'm going to call you motorboat from now on. It suits you perfectly
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LittleHearseDriver wrote: »@Motorsheen I think I'm going to call you motorboat from now on. It suits you perfectly
Thanks?0 -
Don't act creeped out, you know you dig it.0
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Go with it0
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LittleHearseDriver wrote: »Don't act creeped out, you know you dig it.
you're killin' me!
..... so to speak0 -
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I think I'm desensitized to personal space boundaries. The guy I was skating with tonight felt awkward because of some positions. I didn't even notice. this could be a problem1
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Well, I confess I fell off the meal prep band wagon tonight. Work got busy and all I got to eat was half a bag of chips and a sugar free monster.0
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I confess that I wanna do a photoshoot I was just offered but... the risk is so big it might not be worth breaking my neck0
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Dreamcrusher16 wrote: »
Yoga/strength mix on 15 cm high heels.1 -
I confess I feel a little lost when I open up MFP and I have no messages from the people I talk to regularly.1
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Motorsheen wrote: »Motorsheen wrote: »MalkinMagic71 wrote: »I'm strongly considering going to the bar this weekend and drinking heavily and just having one of those IDGAF nights where whatever happens with whoever it happens with happens. I won't go through with it, but it seems almost like a good option at this point haha.
That's how our receptionist ended up with a dui manslaughter charge. True story.
is she still your receptionist?
Admin's trying to figure out the procedure for that. She's on leave right now.
That's sad.
Her life must be upside-down.
I'm sure she's quite vulnerable right now.
Errr..... is she hot?
I'm asking for a friend.
If 66 year olds are your thing.
Stand back all ya'all, She is in my age group! Just shows you that us old folks can come up with the craziest ways to get rid of our enemies!3 -
littlemissbgiff wrote: »I am such a nerd I have considered talking to the school board about letting me do a convocation for juniors and/or seniors about credit and how badly you can screw your life up bynot using it wisely.
Took my 17yr old to the bank to open her first checking account and she didn't know how to write a check. Not that checks are really used anymore but I took a class in middle school that taught us all about finances, budgets, credit cards. She was clueless.
Same here, seventh grade. You HAD to pass it to move to eighth grade.0 -
LittleHearseDriver wrote: »I confess I feel a little lost when I open up MFP and I have no messages from the people I talk to regularly.
I feel weird when I do get messages.0 -
LittleHearseDriver wrote: »I confess I feel a little lost when I open up MFP and I have no messages from the people I talk to regularly.
I feel weird when I do get messages.
messages?
.... we can get messages ??1 -
Motorsheen wrote: »LittleHearseDriver wrote: »I confess I feel a little lost when I open up MFP and I have no messages from the people I talk to regularly.
I feel weird when I do get messages.
messages?
.... we can get messages ??
Creepy PMS on the way
Autocorrect?
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Motorsheen wrote: »LittleHearseDriver wrote: »I confess I feel a little lost when I open up MFP and I have no messages from the people I talk to regularly.
I feel weird when I do get messages.
messages?
.... we can get messages ??
I don't do small talk, so not often. Peeps I do talk with, it's usually a few days of stuff...then nothing. lol.0 -
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littlemissbgiff wrote: »Motorsheen wrote: »LittleHearseDriver wrote: »I confess I feel a little lost when I open up MFP and I have no messages from the people I talk to regularly.
I feel weird when I do get messages.
messages?
.... we can get messages ??
I got one yesterday from a poor speller or perhaps English is a second language. In any case, he wants to play with my click.
I told you, I was edumacated in the deep South.3 -
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We're saucy here.
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