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  • #1

    I spend way too much money

    I was just talking to a freind...

    we both make the same (about 20k a year)

    we both eat out a lot..

    he doesn't spend all his money each week, I overshoot for the year by about 8k

    he buys only a couple video games a year, I buy a couple each month

    I buy lots of extra stuff (like paintball guns, and new consol systems, etc), he does not

    he has a few beers a month, I generally spend over 100 on alcohol per week...

    How can I remain on budget?

    Jon Miller
    Jon Miller-
    I AM.CANADIAN
    GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.
    Tags: None
  • #2
    Eating out and drinking out is the big expense.
    I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891

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    • #3
      well, drinking out weeks can easily reach 200... and that is just for drinking two evenings...

      JM
      Jon Miller-
      I AM.CANADIAN
      GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

      Comment

      • #4
        Drink less? Play something like WoW so you don't have to buy new games/consoles? Make a budget on paper and keep to it.

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        • #5
          I always try and stay in control of those expenses. I do enjoy a good meal out and the odd drink, but I just ensure it never gets too out of control (or very, very rarely anyway). I am trying to save up money and pay things off but I do have more money to play with. However living in one of the most expensive cities on the planet doesn't help
          Speaking of Erith:

          "It's not twinned with anywhere, but it does have a suicide pact with Dagenham" - Linda Smith

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          • #6
            For 20k, 8k a year over is a serious misbudgetting...
            Speaking of Erith:

            "It's not twinned with anywhere, but it does have a suicide pact with Dagenham" - Linda Smith

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            • #7
              Originally posted by lightblue
              Drink less? Play something like WoW so you don't have to buy new games/consoles? Make a budget on paper and keep to it.
              I am currently playing and paying 3 MMOs...

              JM
              Jon Miller-
              I AM.CANADIAN
              GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

              Comment

              • #8
                Yup, make a budget. Even better, get Skanky or Dauphin to make one for you.
                You may well have to disclose a vast amount of financial information you'd rather not, and you may not like their findings, but at least you won't have to do it yourself! (Then vote to replace them at the next AGM! )

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                • #9
                  yeah, I would be dead without student loans

                  I am currently looking at how much to take out this year... and I realised that I don't want to take out any (~50k in the hole is enough)

                  Jon Miller
                  (note my undergrad was over 25k a year, and my scholarships didn't cover it all, so about half of that number came from undergrad, also this year I wasn't employed for a while)
                  Jon Miller-
                  I AM.CANADIAN
                  GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

                  Comment

                  • #10
                    Choose 1. You can't have enough time to play more than one if you play them to their full potential.

                    Personally even as a student I have never gone into debt. I've had to live on ****ty food for a few weeks here and there to make sure I didn't but I managed. I do NOT use any credit cards and try to pay as much as possible in cash or direct debit so I know exactly how much I have. If I don't have the cash I won't spend it. It's not the capitalist way ately but seems to make sense.

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                    • #11
                      Re: I spend way too much money

                      Originally posted by Jon Miller


                      we both make the same (about 20k a year)

                      we both eat out a lot..


                      he has a few beers a month, I generally spend over 100 on alcohol per week...

                      How can I remain on budget?

                      Jon Miller
                      I doubt you have a budget

                      20K a year is 384.61 a week-- lets assume thats your take-home and buff it up to an even 390

                      Spending over 25% of your earnings in ALCOHOL??? Hell man drink at home and get toasted before you go out at half that price
                      You don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo

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                      • #12
                        this is also coloring my wish to get a new laptop

                        I am programming right now.. and traveling weekly.. so having a laptop would be very nice

                        but now that I have decided to not just goof off for longer, I want to be more serious with my expenses

                        Jon Miller
                        Jon Miller-
                        I AM.CANADIAN
                        GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

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                        • #13
                          Heh, don't drink for two months and you'll have your laptop

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                          • #14
                            Cut up your credit cards!!!!!!
                            Pay them off at the minimum each month (I guess you already do this ), then bump it up when you have surplus cash.
                            Can your employers not get you a laptop? I'm sure that it wouldn't be too tough if you can make a decent business case for one (improved speed and productivity for starters).

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                            • #15
                              well, all (most) of the debt is student loans..

                              so it is a bit delayed

                              oen thing is that my alcohol expenses when I drink at home is almost as bad.. I buy lambics (belgium beer, almost 10 a bottle) and makers mark whiskey (or more expensive scotch/whiskey at times)... as well as 10-20 dollar bottles of wine

                              I easily can spend 40 dollars drinking at home...

                              not drinking sounds like what I should do

                              Jon Miller
                              Jon Miller-
                              I AM.CANADIAN
                              GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

                              Comment

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