Mid 20's Crisis Part IV
This is part IV of this discussion. As a recap, I've noticed that many of the people in our age group struggle with the same issues. This is designed to be a discussion and a time where we can offer ideas to each other. The main rule is to not gossip about others.
The topic this week is money, or more specifically debt. Most of us have some pretty real issues with debt. I think that this comes from a variety of reasons. On the income side, most of us are on the lower end of the pay scale for our jobs because we haven't yet received promotions and big raises. Many of us are also trying to pay off student loans from college. These are parts of the problem, yet I believe that the biggest factor lies on the spending side. The truth is that most of us spend way too much money. There are many reasons for this, but I believe that the biggest cause of our over spending is that we try to live like our parents live. We live in a house like they live in, we drive the same cars that they do, and our TV is the same size as theirs (or maybe even bigger). I am guilty of this.
What we tend to forget is that our parents didn't live like this when they were in their 20's. I remember that growing up we hardly ever ate out. When we did it was usually McDonalds. When we ate at McDonalds we had to order hamburgers...because cheeseburgers were too expensive. Think about what our financial situations would be like if we could show that kind of discipline! This is really hard for me.
Lets offer each other suggestions this week. Post a comment about your favorite way to save money. What are your favorite cheap restraunts? What is a good way to save on utility bills? What is a great cheap date idea? What other suggestions can you give?
posted by Darin @ 7:21 AM
6 comments
6 Comments:
Cheap date: Fazollis for diner and a dollar movie in Mishawaka. If you don't get drinks or snacks you can easily do it all for $10.
I don't know if you listen to Talk Radio, but Dave Ramsey has a show from 1:00-3:00 every day on 1270 am. He is a money guru.
Turn down the heat to near freezing at night. =) Invest in a down comforter and you'll be nice and toasty!!
We don't own one "new" piece of furniture. We keep our eyes out for deals, auctions and the dumpster. =) Yes, the coffee table was taken from a dumpster. =) We will be SO pumped the day money allows for a new piece of furniture... may be mANY years from now but that's okay!
Money savers: enjoy the outside instead of being inside for everything. Even now, bundle up and get outside - it makes you feel better too. Also, personally I have found that when I am faithful with my tithing, my money goes a lot further. God honors our gifts - no matter how much - and He gives us what we need when we give him what he deserves.
We are like you Drac- almost all of our furniture is used. Hand-me-downs, from consignment stores, the dump, side of the road....you can almost always make something look better. We also save a lot of money by not eating out. If you go to the Penelope link on my blog (Thomas' sister's site) she has a link to great money saving ideas too. :)
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