Holy shit my wife went x-mas shopping

by **||ASS||Mortimer** » Wed Dec 07, 2005 1:13 pm

Ah yes...Some more good advice.

by **gowhitesox99** » Wed Dec 07, 2005 1:24 pm

Originally posted by =ender=
I have met and known way too many people from all walks of life, happy and miserable, rich and poor, that can tell you that statement is about the furthest from the truth as you can get.

I have to disagree ender, I love my job which makes it lots of fun to goto work every day. My job challenges me and gives me lots of variety every day, I look forward to going to work.

by **Rand0m** » Wed Dec 07, 2005 1:28 pm

Originally posted by =ender=
I have met and known way too many people from all walks of life, happy and miserable, rich and poor, that can tell you that statement is about the furthest from the truth as you can get.

because they dont love their job? sorry, maybe I should say careers. a job is something you do for money, a career is a life long thing you do because its something you enjoy. and then whatever else follows are just the benefits of doing something you love; pay, vacations, etc.

slaughter how long have you been with that company?

by **=ender=** » Wed Dec 07, 2005 2:08 pm

WARNING: Verbosity ahead!

GoWhiteSox: not everyone enjoys their job or career or occupation. Be fortunate that you do. That doesn't make my statement any more right or wrong.

Random: a career is NOT "a lifelong thing you do because it's something you enjoy." I can cite two lawyers, a priest, three doctors, and an office admin (sounds like the beginning of a joke) that will tell you that they do not, by any means enjoy their careers but rather fell into them. Yes, you can "fall into" or be pressured into any career... for the entire duration of your life... and never enjoy it. You may enjoy the lucrative benefits of it, but you may hate waking up to go to work to get that point.

My point is this: a person can enjoy (downright love) their job/profession/career despite not being able to make ends meet and enjoy their lives. I know more people that fall into this category than not.

In the same vein, I know more than a few people that really love their job but because they do not make enough money doing it, they are constantly under pressure and stress to make ends meet and a lot of them do not enjoy other aspects of their life because of it: marital problems, disassociation with their kids because they feel as if they're being blamed for not being able to provide... I could go on, but I won't.

Then there are those lucky few, who no matter how little or how much they make, so long as they enjoy their job/career/profession, they live out their lives happily and in their eyes, successfully. In my experience, I've met fewer of these types than others.

And just because you start doing something you love to do, once it becomes a job/career you may end up not loving it.

Myself? I'm satisfied. My job is fine and my pay is fine. Sure, I could make more money or do something else that I might enjoy more, but everything is fine as it is, so why screw with it? Besides, things could be a whole lot worse.

In any event, just because you are in a profession that you enjoy doing, does NOT mean you will be happy and it does NOT mean the money will just come.

by **King** » Wed Dec 07, 2005 2:15 pm

Originally posted by Buliwyf
16k ummm, donate to charity

Word. Every year here, in the StL Post Dispatch they run 100 neediest cases where people who do a good thing and help their families put themselves into difficult financial situations.

This will be the first year that i make a donation to it, because i finally can do it. We made a sizeable donation after Hurricaine Katrina and the giving bug has still found a place with me.

Slaughters right, he can do whatever, i mean his wife can do whatever she wants with their money.

by **Trash Can** » Wed Dec 07, 2005 2:18 pm

Unfortunately, I have to agree with ender. I know three teachers that loeve their "careeer", but have a horrible time making ends meet. As much as they love working with students, they will never make appreciably more on a real world basis than what they are making currently.

by **Raycaster** » Wed Dec 07, 2005 2:49 pm

Originally posted by Major SONAR
[B]Great advice Slaughter!

Congratz on the great job, wife and kids. All you young lads and ladies out there.. LISTEN TO SLAUGTHER! Pay your bills with CASH, Pay YOURSELF first, SAVE for the future.

If you do these things you will do well in life. Pity it took me so long to learn these valuable lessons, but I'm well on my way using them now!

I don't buy anything unless I can pay using cash. That includes cars, boats, etc. As an added bonus, you can use the cash to get a great bargain! Many people lower their prices for CASH$$$ [/B]

I second (or err third?) all of this. My wife and I have finally paid off all of our debt with the exception of a mortgage and minimal car loan for my jeep, which we only took to get some rebates (that will be paid off in about 4 months).

The plan is that all purchases in the future will be cash. Credit cards are only used on vacation and are immediately paid off when the bill is received. Granted we are thinking about getting a house at the NC Outer Banks with her bonus this year so we may carry a second mortgage. She is a store manager for a major retailer and her bonus is 150% of base pay. Her base salary is slightly less than mine (IBM software developer), but when she gets her full bonus she makes way more than I do.

She's actually out shopping right now. Doesn't matter what she buys. She got her full bonus last year so I can't say one word about what she spends. Her only reply would be: "Bonus".

Living within your means is the secret to happiness. Now our means are higher than most, but you'd be surprised at how many people I know who are in my tax bracket that are financing the high life with massive debt. It'll catch up with them one day.

by **Slaughter2** » Wed Dec 07, 2005 3:38 pm

agreed, and ohhh yes been with my company since 1994

started out making 300 dollars a week. Its nice knowing now I am a valued employee, its even better getting a personal phone call from the CEO of company wanting to use me in a training CD for new Sales reps, the shoot will be for 2 days and I get what ever base is for actors????? Anybody know, but it will be out March of 06, I'll have to link it, it will be fun to watch. In the region I ranked second out of 600 reps, in the country with 650 branches in US and Canada, I ranked 8th. Not too bad from a guy that in 1994 made 300/wk.

Ohh and the best part my region got split, the number one guy sold 1.1 million this year, next year he won't be in my region, so If I get to be number one in the region in 06, my wife and I get a all expense 7 days 6 night to where ever we want in the world (NICE), I'm thinking maybe china, or egpyt

by **Rand0m** » Wed Dec 07, 2005 3:54 pm

Originally posted by =ender=
Random: a career is NOT "a lifelong thing you do because it's something you enjoy." I can cite two lawyers, a priest, three doctors, and an office admin (sounds like the beginning of a joke) that will tell you that they do not, by any means enjoy their careers but rather fell into them. Yes, you can "fall into" or be pressured into any career... for the entire duration of your life... and never enjoy it. You may enjoy the lucrative benefits of it, but you may hate waking up to go to work to get that point.

tools

by B » Wed Dec 07, 2005 4:47 pm

Random is 18, he has yet to understand a job and career and real responsibility.

In the same vein, I know more than a few people that really love their job but because they do not make enough money doing it, they are constantly under pressure and stress to make ends meet and a lot of them do not enjoy other aspects of their life because of it: marital problems, disassociation with their kids because they feel as if they're being blamed for not being able to provide... I could go on, but I won't.
...Been there and done that.

by **Major SONAR** » Wed Dec 07, 2005 5:36 pm

Unfortunately, I have to agree with ender. I know three teachers that love their "careeer", but have a horrible time making ends meet.

I think 90% of the population of working adults in America would fall into this catagory "horrible time making ends meet". IMHO, the problem is SPENDING habits, not EARNING habits. I'm taking a guess, but I'll bet those three teachers have not learned to live within their means. I'm not saying it's easy, but once you learn how to do a budget and stick with it, you'll be suprised how much money you have at the end of the month.

IMHO Americans have a big problem with Credit Cards and automobiles. It's pretty sad when the average american has $8,000 dollars in credit card debt. (and that's not including their car payments and student loans).

by **Trash Can** » Wed Dec 07, 2005 6:49 pm

Originally posted by Major SONAR
I think 90% of the population of working adults in America would fall into this catagory "horrible time making ends meet". IMHO, the problem is SPENDING habits, not EARNING habits. I'm taking a guess, but I'll bet those three teachers have not learned to live within their means. I'm not saying it's easy, but once you learn how to do a budget and stick with it, you'll be suprised how much money you have at the end of the month.

IMHO Americans have a big problem with Credit Cards and automobiles. It's pretty sad when the average american has $8,000 dollars in credit card debt. (and that's not including their car payments and student loans).

Well let's take one as an example. His daughter needs braces and his house needs a new roof. This is in addition to the mortgage and two car loans. You can say that they need a budget and stick with it, but it is not always as easy for lower income people as what you make it sound like.

by **ferret963** » Wed Dec 07, 2005 10:22 pm

Originally posted by Major SONAR

IMHO Americans have a big problem with Credit Cards and automobiles. It's pretty sad when the average american has $8,000 dollars in credit card debt. (and that's not including their car payments and student loans).

IDK about 90% but a lot of people around here who have money problems, spend to frivolously. Taking trips, buying a new car/s (wast of money), leasing vehicles, credit card debt, spending to much on a pc, cigarettes, building starter "castles" on farm land, eating out a lot, drinking to much, just not being patient and instead of ordering something on new egg or on line buying it at best buy instead! It all adds up to buying goods and services that just eat up your money that serve no basic necessity. It's hard when are wants are endless. People I know have decent jobs it's just spending to much. I don't know any desolate people who can't find jobs exc which im sure are quite a few of...well for now I don't know any way Delphi hasn't closed yet. I'm not saying be a square and not spend any money on leisurely activities, but you have to draw the line. :mad:

This is a really touchy subject to talk about, but just think about how many goods and services you use every day?

The best debt you can be in is student loan debt :rotflmao:

by **Padre** » Wed Dec 07, 2005 10:43 pm

Originally posted by ferret963
...just not being patient and instead of ordering something on new egg or on line buying it at best buy instead!

NewEgg ship time for my last order: 2 days. Local stores didn't even have it in stock. And I refuse to go to WorstBuy - they're too shady, like Wal-Mart. CompUSA isn't much better, with their lack of knowledgable staff and service. That's all we have around here, and they all suck. I'll go online for most computer parts anyday of the week. Prices are usually 30-40% cheaper and the wait is 4-5 days max.

I don't have a massive debt. My wife has her college loan and other than our cars (practical cars, not insane bling-mobiles) that's pretty much it.

Then again I'm not the "average American" I suppose.

by **ferret963** » Wed Dec 07, 2005 10:47 pm

All the more power to ya!

Holy shit my wife went x-mas shopping

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