True Confessions - Don't Judge
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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.
They aren't even teaching cursive here anymore. How the *kitten* are they supposed to sign their own names?
In blood.0 -
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.
They aren't even teaching cursive here anymore. How the *kitten* are they supposed to sign their own names?
This happened to my 15 year old. I took him to open a checking/debit account last year. The teller asked him to sign his name. He couldn't. He was never taught cursive. The teller said, that happens a lot these days and to just write his name out.
My son and a few of his friends were hanging out at the house shortly after so I started asking them questions and they all actually said they have love/hate relationships with their school appointed lap tops. Yes, they love them. It's a computer, everything is right there. But hate them because they often go days without having to physically write anything. Their penmanship is suffering. They struggle reading cursive and can't write it.1 -
I hate couches.1
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I confess I have a helluva headache.0
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You can't catch a break sweetsMalkinMagic71 wrote: »I confess I have a helluva headache.
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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.4 -
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
1
We're saucy here.
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