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saraH
happy birthday sweet kate!
Member since 5/05 16555 total posts
Name:
I know that God exsists, I held her in my arms...
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saver/spender?
do you save by any means necessary, ie, coffee from home, lunch from home, what have you. or do you spend what you have until you have no more?
i try to watch my money, i started bringing coffee from home, 4 out of 5 days i bring my lunch. i willl splurge every now and then, but not too crazy. fh can go to work with $5 in his pocket and come home with $4.50. i have no idea how he does it.
how are your spending habits different?
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Posted 7/25/06 8:15 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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Re: saver/spender?
i think we are pretty much the middle of the road
We really don't go to the extreme on either way
But i see that changing when we finally buy the house  
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| Posted 7/25/06 8:19 PM |
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saraH
happy birthday sweet kate!
Member since 5/05 16555 total posts
Name:
I know that God exsists, I held her in my arms...
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Re: saver/spender?
see, thats more or less us too. minus the house thing.
we have more bills now, with rent, but to me, that doesn't mean i should live like a hermit.
he is not that bad really. its more of an adjustment for me
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| Posted 7/25/06 8:21 PM |
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luvsbob4603
To a healthy 2013
Member since 5/05 21840 total posts
Name:
To a brand new year to a healthier me
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Re: saver/spender?
i can be both but lately i been a spender since we got our new home on things we need for the house!
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| Posted 7/25/06 8:22 PM |
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Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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Re: saver/spender?
Posted by BNL2005
see, thats more or less us too. minus the house thing.
we have more bills now, with rent, but to me, that doesn't mean i should live like a hermit.
he is not that bad really. its more of an adjustment for me
well i fear the adjustments that i will need to make hopefully soon
with mortgage payments and childcare costs
OHHHHHH LORDY
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| Posted 7/25/06 8:22 PM |
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LuckySV
LIF Adult
Member since 10/05 4675 total posts
Name:
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Re: saver/spender?
i try to watch my money, i started bringing coffee from home, 4 out of 5 days i bring my lunch. i willl splurge every now and then, but not too crazy. fh can go to work with $5 in his pocket and come home with $4.50. i have no idea how he does it.
That's me! I could leave my house Monday morning with a $20 and Friday afternoon I still have that $20!
I just don't really go out at night during the week and I don't drink coffee. I prefer to bring my lunch. I'll buy lunch a couple of times per month. It also helps that my office complex doesn't have vending machines and the cafeteria is down the hill (not walking up a hill when it's hot!) and I can't be bothered to drive somewhere just to get lunch.
Message edited 7/25/2006 8:27:16 PM.
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| Posted 7/25/06 8:26 PM |
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lvdolphins
My Loves!
Member since 5/05 46292 total posts
Name:
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Re: saver/spender?
We bring lunch from home and now that things have calmed down here (mom out of hospital, brother's wedding is over), we can start having dinner home more too. I would say I am a spender BUT its on things for the house mostly. We have been very good at saving our change, cashing it in and depositing into our account that we try not to touch at all.
ETA: I always have breakfast at home during the week as well.
Message edited 7/25/2006 8:30:31 PM.
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| Posted 7/25/06 8:29 PM |
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Hi-Fi55
12 years...wow....
Member since 2/06 2984 total posts
Name:
Dianne
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Re: saver/spender?
I'm a spender, he is a saver. But he is trying to convert he to his evil ways  . But I have been trying. I am learning that the little things I was spending on foolishly can add up to more expensive things that I would rather do with him or for us (house wise). So I am learning I really do need to be a saver.
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| Posted 7/25/06 8:32 PM |
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dpli
Daylight savings :)
Member since 5/05 13973 total posts
Name:
D
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Re: saver/spender?
We are both more savers, but DH is REALLY a saver. I do bring lunch and coffee from home most days, but I do buy lunch maybe once a week. For me, it is about whether or not I am organized and plan it out ahead. DH always makes sure he has stuff to make his lunch for the week ahead.
I also spend more on myself than he does. I spend more on clothes and getting my hair done, etc. He only buys what he needs, where I will treat myself occasionally.
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| Posted 7/25/06 9:07 PM |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: saver/spender?
DH and I are more savers than spenders, but that's because we're saving for a house.
once that does happen (if it EVER DOES!), we're going to be so broke. 
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| Posted 7/25/06 9:10 PM |
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johnsae
Sip.
Member since 3/06 18677 total posts
Name:
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Re: saver/spender?
We both live comfortably...not too extravagant and not too thrifty.
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| Posted 7/25/06 9:13 PM |
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saraH
happy birthday sweet kate!
Member since 5/05 16555 total posts
Name:
I know that God exsists, I held her in my arms...
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Re: saver/spender?
i hear what you all are saying. i just feel like some people take it to the extreme. just b/c i'm getting married that does not mean i can't spent $1.47 on coffee a day. i know that little expenses add up...but come on. i can't live on $20 for a month.
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| Posted 7/25/06 9:15 PM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: saver/spender?
Posted by johnsae
We both live comfortably...not too extravagant and not too thrifty.
same with us-
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| Posted 7/25/06 9:30 PM |
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Mrs-Boop
My Babies
Member since 5/05 4956 total posts
Name:
Jaime
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Re: saver/spender?
We are both spenders and I don't ever see that changing. But we both work very hard for our money and we like to enjoy it. We don't have a house yet, but we really aren't in any big rush to get one. I guess when we do get serious about buying a house we will be forced to curb our habits, but for now we are enjoying ourselves!!
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| Posted 7/25/06 9:32 PM |
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spooks
So in love!
Member since 6/06 4378 total posts
Name:
Sarah
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Re: saver/spender?
Posted by Beth1210
Posted by johnsae
We both live comfortably...not too extravagant and not too thrifty.
same with us-
same here too.
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| Posted 7/25/06 9:39 PM |
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dpli
Daylight savings :)
Member since 5/05 13973 total posts
Name:
D
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Re: saver/spender?
Posted by BNL2005
i hear what you all are saying. i just feel like some people take it to the extreme. just b/c i'm getting married that does not mean i can't spent $1.47 on coffee a day. i know that little expenses add up...but come on. i can't live on $20 for a month.
You have to do what works for you and what fits your lifestyle, as long as you can afford it.
Not to sound preachy, but I was buying coffee everyday from 7-11 on the way to work. After hurricane Katrina, I decided to put that money, and what I spent on a Saturday morning at Panera aside every day for a few months, and then sent it in as a donation. I was surprised at how quickly it added up, and then since I got in the habit of bringing the coffee from home, it was easy to keep doing it.
I also think there are people who are VERY thrifty and unfairly judge people who don't do what they do. I find it hard to understand how some people live beyond their means, but it's their choice to make. I have enough of my own stuff to worry about without trying to run other people's lives and budgets.
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| Posted 7/25/06 9:43 PM |
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saraH
happy birthday sweet kate!
Member since 5/05 16555 total posts
Name:
I know that God exsists, I held her in my arms...
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Re: saver/spender?
Posted by dpli
Posted by BNL2005
i hear what you all are saying. i just feel like some people take it to the extreme. just b/c i'm getting married that does not mean i can't spent $1.47 on coffee a day. i know that little expenses add up...but come on. i can't live on $20 for a month.
I also think there are people who are VERY thrifty and unfairly judge people who don't do what they do. I find it hard to understand how some people live beyond their means, but it's their choice to make. I have enough of my own stuff to worry about without trying to run other people's lives and budgets.
i don't think you are preachy, you make a good point. i agree with the above, its very do as i say b/c i know best. i hate that b/c i hate having to explain myself on certain things. i bring coffee from home and i notice the difference in my wallet. so i know its a good thing, but i don't want to always live like this.
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| Posted 7/25/06 9:45 PM |
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2PreciousBlessings
The Perfect Pair
Member since 5/06 19861 total posts
Name:
Best Wife & Mommy
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Re: saver/spender?
Posted by johnsae
We both live comfortably...not too extravagant and not too thrifty.
Same here.
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| Posted 7/26/06 7:14 AM |
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LAMGAJ28
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Member since 10/05 6039 total posts
Name:
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Re: saver/spender?
Posted by BellaPaige
Posted by johnsae
We both live comfortably...not too extravagant and not too thrifty.
Same here.
Ditto !!!
We pay our expenses and have a set amount of $$ that we save a month and then the money leftover is for whatever else comes up. We both also have a set amount of $$$$.....of $100 a week each for lunch, gas for the cars, or however we choose to use it. I never bring breakfast/lunch to work and I could probably save a lot considering how expensive food is in the city but I just find that I'm not sure what I'd like to eat next day. I commend those that bring lunch every day because it means you plan ahead of time and accordingly. I think everyone's budgets and priorities are different so what works for one person may not for the other.
Message edited 7/26/2006 7:47:01 AM.
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| Posted 7/26/06 7:46 AM |
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christy
Mommy of 2
Member since 5/05 6787 total posts
Name:
Christy
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Re: saver/spender?
Posted by Redhead
i think we are pretty much the middle of the road
We really don't go to the extreme on either way
But i see that changing when we finally buy the house
same here!
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| Posted 7/26/06 8:18 AM |
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MrsS1126
MY FOREVER
Member since 1/06 1671 total posts
Name:
Jackie
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Re: saver/spender?
HA! This is a good one, I like this thread
I am a terrible spender, it's a very bad habit which is very difficult for me to overcome. My DH on the other hand is VERY VERY good at saving money, he always manages to put a nice chunck of change away each week.
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| Posted 7/26/06 8:28 AM |
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DonnaJoe708
Hello
Member since 5/05 4002 total posts
Name:
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Re: saver/spender?
Posted by johnsae
We both live comfortably...not too extravagant and not too thrifty.
Ditto for us.
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| Posted 7/26/06 8:48 AM |
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nov04libride
big brother <3
Member since 5/05 14672 total posts
Name:
Me
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Re: saver/spender?
I'm more of a saver, but I don't deprive myself. I usually bring my lunch half the time, go out with friends the other half. DH goes out to eat every day and is more of a spender. Even if he brings lunch he just eats twice and buys a lunch too, so that didn't help. We eat in most nights, but this week I have met up with friends for dinner every single night with a wedding on friday. busy week!
I shop a lot, but I look for good sales so I really don't spend that much.
I think it will change if we ever need more money, but for right now we are more than able to pay our mortgage and still save over a thousand a month, so we don't really feel like we have to cut costs.
I used to be more of a saver, but I definitely wasn't as much fun! Now we splurge and go on at least one big vacation a year.
Message edited 7/26/2006 9:03:04 AM.
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| Posted 7/26/06 8:53 AM |
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mommy2Alex
3 babies for me :)
Member since 5/05 6683 total posts
Name:
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Re: saver/spender?
Posted by BNL2005
do you save by any means necessary, ie, coffee from home, lunch from home, what have you. or do you spend what you have until you have no more?
i try to watch my money, i started bringing coffee from home, 4 out of 5 days i bring my lunch. i willl splurge every now and then, but not too crazy. fh can go to work with $5 in his pocket and come home with $4.50. i have no idea how he does it.
how are your spending habits different?
Dh is the same way. He brings coffee and his lunch to work. I usually bake something for him for breakfast as well. He never spends money during the week at work. I have to force him to take $10 just so he has money in his pocket. I am a SAHM so I don't spend money during the week unless I meet some other moms for lunch. Otherwise, I am home for lunch and eat whatever is in the house.
When it comes to groceries for the house I buy in bulk when its on sale and I splurge on things like Veal Chops, crab meat and Lamb at Costco.
I think I am fairly responsible with money and I always try to buy on sale unless it is something I have to have then I just buy it. DH is the saver and I am alittle of both.
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| Posted 7/26/06 8:57 AM |
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Emily
Kasey & Me! Lurves it!
Member since 7/06 8703 total posts
Name:
STBHC
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Re: saver/spender?
We are savers and splurgers 
We save up for 8 months and then dh gets a new hd 5.1 blah blah blah 55 inch tv!
We save another 8 months...oh baby we are going to the Daytona 500 next year!!!
and the next 8 months.....
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| Posted 7/26/06 8:58 AM |
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