Does it bother you when someone talks about struggling financially yet...

That has always bugged me, eating out, buying new stuff all the time, mostly things they don't need, and then complain about not being able to pay their bills. I have always paid bills first and then bought whatever after that.

Yeah! That's rich, but get a load of this. I have a "friend" who owes me money. I came into a little money several years back and agreed to loan him some to get his business started. He's had to retire due to health problems, but still owes me part of the money he borrowed for start up costs. He tells me he's so broke. . .he just can't pay me ANYthing. Then there's a social to-do my whole family and lots of friends are going to be attending and I'm physically unable to drive because I'm still recovering from hip replacement surgery, and it's in another town. He calls me and tells me I'm perfectly welcome to ride with them. They've just traded for a better car and he's sure it will be comfortable for me to ride in! Old car was paid for, has no money to pay me, but can trade cars? HAH! Maybe I'm being petty, but I don't think so.

Oh, I agree. There were times when we were short of food, but my parents still smoked. I think I would refer my friends to financial counselors or something as they are not going to listen to you, or even look at their own life. You could indirectly say something about yourself or an imaginary friend finding they had over $100 more per month when they quit eating out. In my early marriage I had a friend who considered it beneath her to try to save about $40 per month. Her comment was that it was not enough to matter. My take on it was that at that time it was enough to pay one bill, monthly, for me, and that was significant to me. I suppose mostly what you can do is to come on here for encouragement. And be sure not to enable them by giving them money or monetary favors.

It is obious they have no sense of the value of a dollar. I sock cash away and then pocket enough to pay my bills and investements. Whatever is left can go for eating out and things like that. I don't smoke,never have, but do drink will can get expensive if one does alot of it. Can you imagine how much money that couple could save if they just gave up smoking and eating out for a week or two!!

Smoking doesn't bother me because I am a smoker myself however, for what you just explained, over 2 packs in a three hour period??!! That's totally and utterly insane!! Good grief!! I'm lost for words on that one! I smoke a pack a DAY! Never ever would I smoke that much in three hours!! Gee mee christmas!! Wow! However, smoking is an addiction not something they want nessessarily. I hope to quit some day myself but I have to be ready to do so mentally and I'm not yet. As for going out all the time, that's their stupidity and I agree with you, I wouldn't want to hear about their financial problems either when they do that. They're creating their own problems and aren't thinking of how to solve them so no I wouldn't want to hear it either.

I know just what you mean about people like that. Doesn't really bother me. They just don't get anything from me! But, I do find myself bewildered by how they can enjoy themselves living on the brink of financial disaster. And I think I would find it rather humiliating to be forever trying to get a handout, or trying to borrow money.

Bad habits are hard to break. Yes, they are spending alot on cigs, and damaging their lungs, but, is that REALLY contributing to their financial hardship. Now eating out all the time isn't good either. I put any money I make online right into the bank. I understand your pov, but really you should be telling them. Have you? I just went to the thrift store to buy my girls some summer clothes, I try to save a buck where I can. Have a great weekend. I certainly wouldn't be replying here if I didn't need the extra cash wherever I could get it. Tell them to come here. LOL

Smoking is a dangerous addiction. So you have to give them advice on quitting. They know they do a lot of smoking, but it has not hit them yet. Like if you are a non=smoker, hint what you got by not smoking, that you are able to bank some money or whatever you are doing. I think once that problem is solved, then it will only be them eating out and maybe they are not that good cooks, so just start to talk to them and get them to open up. Suggest some easy meals they can make at home so they do not have to eat out too much. I used to live in a bedroom apartment, and it was hard to find things for a good homecooked meal, and my father was a cook, so it might be doubly hard fro them.

it drives me crazy when people do that! my sister and her husband do that. they will use it as an excuse for why they can't do stuff but then they will say "we just bought the cutest thing at walmart". my brother in law and his wife are like that too. they never get their kids pictures done or family pictures stating they can't afford it. yet they both smoke alot too and are constantly buying movies as soon as they come out on video. they probably have a couple thousand dollars worth of movies.

Sometimes it will bother me when I hear someone talking about struggling financially, because the person I know who is lazy and never keeps his job for long. Although he is short of money, he doesn’t bother to make a good effort to make money, whenever he doesn’t feel like working; he just calls for sick leave. Obviously who wants to hire him? I think whoever is a lazy bone, s(he) should keep quiet on talking about the struggling financially.

Excuse me for a second I actually thoughts you were talking about some of my friends. Of course I realized you weren't only by the fact that he doesn't smoke. It is rather tiresome to hear people go on and on about how they cannot afford to pay any of there bills yet spend a couple hundred dollars a month going out to eat. Or spend enormous amounts on articles they can live without. But who I am I to say, I am just a penny pinching tight wad.

Yup, it drives me right around the bend. My roommate constantly talks about having no money for anything but will spend outrageous amounts of money just to keep up with the Jones. Who the hell are the Jones? He complains about his credit cards but he has five. What do you need with five credit cards? I don't even have one. I try to get by on a small pension and so I've learned to say no to moochers. I don't have money to lend and I can't afford to feed everyone that drops by. I would help anyone who actually needs help but spendthrifts and moochers have to be stopped in their tracks. Just say no.

Well, I myself am a smoker, and unless you are, you have no idea how hard a habit that is to quit. I've tried to quit many times due to the cost, but I just can't. However, I used to get quite upset with my own mother (this is when I was a bit older and did smoke already) because she was living on disability, which isn't much, and would purchase her smokes before anything else. I had younger siblings who were still under 10 years old, and they'd end up going hungry because my mother's smoking was more important than buying food. I think that's a bit much! Now as far as going out to eat, I agree with you completely, and I was once there. We would order fast food a couple times a week and wonder why we were always broke. Now we are eating out a lot less and are actually getting by on what we make.

Holy cow !! Smoking that much is gonna kill you . What better time then to stop I say . I guess that is their choice , but they could save so much . I don't understand why they would complain and do nothing to change their ways . It seems that is how it is though in many cases. I know my fiance and me stopped eating out and only will treat ourselves once in awhile . Also,we shop much smarter by making better choices . It can be done to a point if wanted. Sure it wont slove everything , but atleaset it can help .

No it don't bother me,it just plain makes me mad.We have two friends that are the same way.At first it didn't bother my husband 'cause he's known these people since high school.But then at first they weren't asking for much either,maybe a few bucks.He 'loaned' them that just to tide them over,then it was a couple hundred until it finally reached the point of them asking him to buy a truck and letting them pay him back for it.That's when my husband said no,it's too much.Especially considering they hadn't payed back a penny they'd already borrowed.We still haven't seen any money and they still come around crying and moaning about finances, in a nicer newer truck than we drive.I don't know who they conned out of it,just glad it wasn't us.

It sure as hell does bother me, especially when those friends owe me money that i've lent them a long time ago, even though we are TRULY struggling, because i can't say no...and then they say they're broke, this and that, so im thinking, ok, i won't ask them for MY money, since they are broke, next thing i know, they're going out to the movies, or going out to the restaurant, stuff that me and hubby cannot do, cuz we're too thight financially!! so, yah, it actually PISSES ME OFF.

If they are smoking like that, they better leave some money aside to pay for their medical bills later on! It is as if they were their own worst enemies, they complain about not having any money, yet they don't seem to have much control over their own actions!

It's like this; it's hard to make ends meet because they don't see what they really need to do to make it happen. If they won't face reality, then that's on them. To be honest, you cannot be out there smoking like a chimney, or eating out more than staying home because that's not helping you because if you eating out, gas is involved, and of course, your not putting your priorities in the right place.

Talking about financial troubles only perpetuates the financial mess people are in. There are people who are into talking about their woes and dumping these into whoever wants to listen's ears and minds. I used to do that until I read that dumping your garbage into your neighbor's yard is a no-no, much worse is dumping your emotional and other mental garbage into other people's minds.

My sister and her husband do this. she is always complaining about not having enough money but they spend money on the most frivilous things. I used to feel bad for them but I don't anymore now that I see how they spend their money. Their son has so many toys that you cannot even walk in the living room.