are you a spend-thrift or a thrifty person?
By zer0charly
@zer0charly (5614)
Philippines
September 11, 2007 8:38pm CST
when it comes on spending money,do you spend money extravagantly?or spend it with a little budgetting?
well,it really depends on the things that i will buy.coz sometimes,when i like something and it costs a little expensive i'll just look for another store which offers a little much cheaper than that.but when if i found out that they they do have the same price,I will go for the first one.
when i want to enjoy,like going to one place.I'll make sure that I'll plan it very well and I'll budget my money for that.
and when it comes to food,im not that thrifty and not that spend-thrift.what's important is the food satisfies me.
of course,i am not that spend-thrift that I waste my money and just buy things even if i dont need it.I spend my money properly and wisely.I do save some on my bank account.it feels really good if you have savings for your future.but i treat myself sometimes that i wanted to see the fruit of my hardwork.
sometimes,i am thrify buying for my self.but when it comes to the people that i love,.am i spend-thrift?^__^..well.,i guess..yes..
how about you?are you a spend-thrift?or too thrifty to spend money?
4 people like this
27 responses
@ssh123 (31073)
• India
12 Sep 07
A few people are thrifty persons I suppose. Most of us are victims of spend-thrift attitude. I usually spend more money in anticipation of money and hence I am always on deficit financing. This problem starts when we do not do budgeting and strictly adhering to the budgets. Like government budget, family budgets become deficit financing - spending more money and earning less money and the difference is made up with borrowing. This will perhaps bring more unhappiness than what comes as happiness when one spends more to acquire goods and services. Therefore the key word is stretch your leg according to the length of your bed or put a longer bed.
2 people like this
@zer0charly (5614)
• Philippines
12 Sep 07
wow!i love it!"stretch your leg according to the length of your bed or pur a longer bed."..it was a nice quotation.
-thanks for responding!
1 person likes this
@Lifeless (2635)
• India
13 Sep 07
I have always been into saving some amount of money which I earn.. I try to spend keeping in mind my budgets.. I have always tried to spend on one item which is the best among others and keep sticking to that item until it worns out... I don't like accumulating a lot of things of the same kind like shoes or watches... That has never been my interest...
1 person likes this
@zer0charly (5614)
• Philippines
13 Sep 07
well,..that's good.atleast you know how to budget..
-thanks for responding!
@wisedragon (2325)
• Philippines
12 Sep 07
I know very well that money is a powerful force so I do my best to control it and make sure it works to my advantage. If you keep spending indiscriminately you'll become a slave of money. If you learn how to invest, you'll become a master of money. I prefer to be a master and have money work for me.
@zer0charly (5614)
• Philippines
13 Sep 07
that is totally right! because sometimes, money can change people neither into bad or good. we should know how to control money and we shouldnt let money control us.
-thanks for responding!
@lexus54 (3572)
• Singapore
13 Sep 07
You are wise and prudent with your money, and that is a good discipline to uphold. Many people think short-term and spend what they earn. They may not realize the immense power that savings, compounding and investing can have on their financial situation. Someone who consciously saves little by little from young and lets the money grow over many years through proper investment will find that he/she will have handsome savings when he/she grows older, and that may even allow the person to retire earlier than others who only start saving later in life.
@satansoldat_666 (412)
• Philippines
12 Sep 07
Well im neither..I could be both a spendthrift and a thrifty person depending on the stuff i wanna buy, wanna do, and need, but actually, i really go both ways depending on my salary.If i get paid good, i go spend on what i wnat and save.If salary sucks, i look for other opportunities and wait since i dont simply borrow money or blow all my money on the stuff i want but cant easily afford since debt is difficult to deal with but our Jew-run banking system makes it that way................
1 person likes this
@zer0charly (5614)
• Philippines
12 Sep 07
we have the same approach regarding this topic..
it also depends on my money on how will i spend on some things..and also,depending on the things that i'll buy.
what's important is,we know how to spend money properly and wisely.
-keep on responding!
@lexus54 (3572)
• Singapore
12 Sep 07
I am definitely more a thrifty person than a spendthrift. I would say most of the time, I am careful with how I spend my money. I seldom buy things that I don't need, and I spend within my means. Once in a while, I do indulge and spend on something more luxurious or expensive just to pamper myself, but most of the time, I am quite economical in my spending habits. I hold several credit cards, but I've never ever gotten into credit card debt, nor rolled over any payment, and I intend to keep up with this practice. I have been saving since I was in school. When I was in Secondary One, I opened my own savings account in a commercial bank, and started savings from my leftover pocket money. I have been saving for many years and I am glad for that, because with all my years of careful savings and investments, I can say I do not have to worry about having enough for my old age and retirement. And this is all thanks to my discipline in being thrifty and careful use of my money over all these years.
@zer0charly (5614)
• Philippines
14 Sep 07
you deserve my best response..
same to you..
I know that you're good when it comes on handling money..
keep it up!
@zer0charly (5614)
• Philippines
13 Sep 07
wow!that's amazing. maybe you had lots of money now.lol. you are really discipline when it comes on spending. and that was good. yes you are right,you shouldnt have to worry for your future. because i believe that you have done what is right. well,goodluck! and just continue on what you are doing.
-thanks for responding!
1 person likes this
@wild_flow_r (304)
• Philippines
13 Sep 07
in these times of hardship with no job and not yet receiving paycheck from mylot or any site i am a thrifty
@zer0charly (5614)
• Philippines
13 Sep 07
LOL.just work hard,and you'll earn money.
-thanks for responding!
@cutepenguin (6431)
• Canada
12 Sep 07
I think I would normally be a spendthrift. I like to spend money, and will spend a lot of money on things. But because of this, I am broke right now, so I hope that I have learned to be more frugal.
@zer0charly (5614)
• Philippines
13 Sep 07
Im sorry to hear that. now,you should learn from that. i think you should me more careful on spending money.
-thanks for responding!
@zer0charly (5614)
• Philippines
13 Sep 07
LOL. I guess you are a rich person.Thats why you really wanted your things expensive.
-thanks for responding!
@sukumar794 (5040)
• Thiruvananthapuram, India
12 Sep 07
I'm not a spemdthrift in the real sense sense of the term ..yet I go on spending unmindful of the next dawn . I've sffrered much because of this careless spending and at this late age of 57 years I'm keeping a close watch and feel what financial stringency would augur in for you
@zer0charly (5614)
• Philippines
13 Sep 07
yes. we should have a financial strategy. we should know on how to spend money wisely.
-thanks for responding!
@prettiemammie (835)
• United States
12 Sep 07
I'm a housewife too, oh well that was before I got hired by this cool company. Anyway I think I'm a little bit of both spend thrift and thrifty. I'd rather call myself practical and buy all the things we need. But of course I'm also a woman I need to treat myself sometimes or my husband for being so sweet and loving to me.
Have a nice day!!
@zer0charly (5614)
• Philippines
13 Sep 07
that's right! I agree with you! I think you should treat yourself sometimes.
-thanks for responding!
@Mirita (2668)
• United States
12 Sep 07
Well, I tend to stay away from credits cards because I tend to spend more money than if I only have cash with me. I love inviting people out and I always like to pay for diner because I love to see people happy.
@zer0charly (5614)
• Philippines
13 Sep 07
that's why I really dont want to get credit cards,because it may give me some reasons to spend.LOL.
wow!you're so generous.!Please!treat me also..LOL.just kidding!
-thanks for responding!
@sweetlady207 (60)
• Philippines
12 Sep 07
well I must say that in terms of budgetting I'm good with it,spend some and save some for the rainy days,I must save some incase of emergency or extra expenses, I have it without even worrying.
@zer0charly (5614)
• Philippines
13 Sep 07
that's good. you are like ants.LOL.save some during rainy days.
-thanks for responding!
@toiletturtle (31)
• United States
12 Sep 07
When it comes to spending money, I'm one of those people who will randomly buy things on a whim. I will not spend a ton of money, because I'm a little cheap. When it comes to food, I also need food that satisfies, not gonna waste time spending money on burgerking when I can have mcdonald's!!!! Hahahahaha.
@zer0charly (5614)
• Philippines
13 Sep 07
LOL..well,that's good..for as long as the things that you bought will satisfies you,then go for it!
-thanks for responding!
@zer0charly (5614)
• Philippines
13 Sep 07
LOL.you were like my boyfriend.^__^. He keeps on telling me on why should he be so thrifty and save? he's working hard to have money and what he will do to his money?of course spend it.LOL.
-thanks for responding!
@zer0charly (5614)
• Philippines
12 Sep 07
LOL..hhmm..I can't blame you. Shopping is the best thing to do!
-thanks for responding!
@zer0charly (5614)
• Philippines
13 Sep 07
third kind?LOL.I believe that i only have two choices.
-thanks for responding!
@daveisdavid (878)
• Singapore
12 Sep 07
In general, I'm a thrifty person and would feel guilty if I spend quite a bit on a particular month. I'm the type who would set aside amount of money to spend in a month. However, there are times that I would spend alot in a shot like buying a computer.
@zer0charly (5614)
• Philippines
12 Sep 07
that's ok..you should treat yourself sometimes..
-thanks for responding!
@violeta_va (4831)
• Australia
12 Sep 07
I am bid of both. If its something I need right at that moment I go and buy it if not I would look for the best deal. With clothes (every day) I ususaly waith for end of season sales. in australia we dont have very cold winter so most clothes can be worn all year round so its ok if I get "winter" shirt as I can always wear it. As for food we get the junk mail every week so I can see which store has something on offer and I am lucky as we have all the stores in the shoping center where I do my shoping so I can save that way. For presents I usually ask what the person wants and I buy it.
@zer0charly (5614)
• Philippines
13 Sep 07
for as long as you know how to control it..well,that's good.
-thanks for responding!
