||[Nov. 2nd, 2006|08:57 pm]
I would love to breathe some life back into this community, as I am in a completely different place financially form when I started it.
I am starting to think long term, which is crazy! Before I was only thinking of my immediate expenses which due to my uncontrolled spending, I couldn't afford to pay. Now I am super focused on saving money almost to the point of being stingly cheap. I am one of those people who was so obsessed with the fact that I was not have as a child, I want to give myself everything now.
Whats everyones childhood issue that affects the way they spend or don't spend now?
My father was a teacher (he's retired now), and my mother was at home with us (she never worked outside after marriage). One big issue for me is that travel tends to be our biggest financial indulgence. To my parents, travel was a waste of money, after which you had nothing but some photos. On a teacher's salary, I can understand why they felt that way! And though they are certainly not stingy in any way, my parents were quite frugal and careful with their expenditures.
I guess I was a bit different. My wife and I love to travel and see our friends, and we value the memories highly. And while I am fairly responsible about saving, I don't save quite as much as I could. We agree that should a time come when financial reversals demand that we live a more austere lifestyle, we will do that. Meanwhile, though, we're going to have some fun in addition to being responsible. I'd hate to save so hard that I postponed all of the enjoyable experiences until I was too old to enjoy them. :-)
...I'm really charitable, and I give away a lot, and also pay all my own bills, and never have quite enough for that, and so I never ever save...my next big goal is to have megabucks, like win the lottery/inherit/get gifts/earn a lot/etc., and start a charitable foundation, and then by being the administrator, it'd pay me a salary, plus I'll also still be a therapist and stay at my other job until that actually happens...
...the childhood issue was being poor all the time, and also having a feeling that money doesn't make you a good or bad person, and so figuring i could do without it for a long time, but now facing the reality that not only do you need it, but it also enables you to really help others...
My biggest issue growing up was that I wanted enough money to be stable. We weren't dirt poor but we did struggle. Now that I can go out and earn money I want to make sure that I'm stable enough to where if some emergency happens I can take care of it and keep going instead of having it set me back. When I began to make a bit more money, I hope to save more money for my future. I don't need much to live so saving money is more important for me.
Getting to the point where you don't HAVE to work/slave is the pinnacle 4 me.
I am not there yet.
Growing up my mom worked usually 2 jobs at a time
and many screaming mimi lectures about how close she watches every dime.
My dad (divorced parents) was/is a very carefree spender and moves from state 2 state
new house every year.
These weren't role models for me.
And i never believed in either of their insghts about the use of money.
I now see them both in the same boat as they reach early 60's with nothing.
And I find myself helping them out.
I not only have found the simplest ways to make lots of money...
I have always found ways to get around spending money...
And now with the internet, well, it is 1000 times easier than it once was.
Lessons about free things I can offer.
And easy money businesses I can refer.
That was as brief as I could make it. lol