Do you spend more than you make?
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I think I spend every single cent I have
Not overspend but pittance for savings
SO is the saver -
for someone w/o a credit card, i can't overspend!
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last month managed to spend just nicely the amount i got from my work
usually will overspend by a hundred or two
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No. That's called smartOriginally posted by honeymouse:
That's called blackmail... 
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./clobbers bear with a tefal wokOriginally posted by the Bear:you deserve it
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no la... i just saying i cannot do so many things at the same time mah. gotta choose which one they wan first. i dun earn like 5K a month lehOriginally posted by honeymouse: That's called blackmail... 
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One housing mortgage certainly drives the saving rate down....Originally posted by jetta:Lai lai lai, get on your soap box and spill.
Just heard on the news that for the second time in a row, Americans have not been saving. The savings rate for 2006 was -1. The last time this happened was 1933 and 1934. Hmm... -
i overspend all the time... i give myself a target of savings but i'm a lousy aim
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TIS mth i overspent liao...
solution: dun give angbaos! -
I am stingy cat also
want to buy something walk past 3 times, touch 5 times still cannot bear to buy
then will go back another 2 times
and by the time 3rd time, I know for sure I want
then I will buy it.
BUT... my purchases (as compared to hubby) is the HIGH EXPENSE type.. i like electronic gadgets so...
sigh... -
im guilty of that..
but i dun have credit cards leh.....
i tend to spend when i know that money is coming in..
and erm.. i have finance manager at home..
if in need, juz debit cash, credit finance manager.
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i don't buy many things... but when i do.. i wanna cry after that
Originally posted by ShrodingersCat:I am stingy cat also
want to buy something walk past 3 times, touch 5 times still cannot bear to buy
then will go back another 2 times
and by the time 3rd time, I know for sure I want
then I will buy it.
BUT... my purchases (as compared to hubby) is the HIGH EXPENSE type.. i like electronic gadgets so...
sigh... -
hey I see a 'honeymouse'?!!!
reminds me of erm.. -
heheh i also dont have credit card.Originally posted by browniebaobao:im guilty of that..
but i dun have credit cards leh.....
i tend to spend when i know that money is coming in..
and erm.. i have finance manager at home..
if in need, juz debit cash, credit finance manager.
Leave within means loh. -
wah.. clever..Originally posted by the_don:mah i dun give excuses. i just go "u wan me to get married plus get a flat. dun have so much money loh. choose one - grandkids or 75K"
grandkid(s) is/are worth so much! -
sigh tell me abt it.Originally posted by the Bear:i don't buy many things... but when i do.. i wanna cry after that
I can 'stinge' on clothes, hair, and whatever
but ... i simply can't hold back when it comes to getting PDA.. laptop..... camera............ ..... . . ... .i LOVE gadgets. -
road tax and inspection coming
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im different..Originally posted by ShrodingersCat:I am stingy cat also
want to buy something walk past 3 times, touch 5 times still cannot bear to buy
then will go back another 2 times
and by the time 3rd time, I know for sure I want
then I will buy it.
BUT... my purchases (as compared to hubby) is the HIGH EXPENSE type.. i like electronic gadgets so...
sigh...
usually i buy small small things that add up to quite a big amount.
for mobile phones and electronic gadgets.. at the most i will pay maximum $300. Anything more than that is out of the question..
Actually when I bought my new hp, the salesman was psychoing me to buy other accessories, which added up to about $350..
I was very firm and said I dun want.. coz it's over the $300 budget.. actually I was thinking everything would cost only $250.. and that's what I was ready to pay. But then he buey tahan me.. die die want me to buy, so discount this and that.. blink blink* $292+ I got everything! And so I succumbed to temptation.. -
Originally posted by browniebaobao:hey I see a 'honeymouse'?!!!
reminds me of erm.. 
What's wrong with my nickname? -
I am just kidding... I think your parents are very nice to loan you such a big amount of $$ and let you take your time to pay it off. You're one lucky person!!!Originally posted by the_don:no la... i just saying i cannot do so many things at the same time mah. gotta choose which one they wan first. i dun earn like 5K a month leh 
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We should all be so lucky. I get so envious of friends who could always rely on their parents for financial help. Till this day, I've never been that lucky.Originally posted by honeymouse:I am just kidding... I think your parents are very nice to loan you such a big amount of $$ and let you take your time to pay it off. You're one lucky person!!! -
heehee ya. i appreciate my parents for being so good to me. it makes it easier to pick a flat near them when i get marriedOriginally posted by honeymouse:I am just kidding... I think your parents are very nice to loan you such a big amount of $$ and let you take your time to pay it off. You're one lucky person!!! -
personal experience: the frens who depend on themselves (support themselves thru poly/uni) are a lot more independent and sensible. They tend to value money a lot more too.Originally posted by jetta:We should all be so lucky. I get so envious of friends who could always rely on their parents for financial help. Till this day, I've never been that lucky.
the frens who have parents to depend on are very "pampered" & "soft" or turn out to be those who will not settle for "simple life". the latter became high achievers or civil servants.
ohh all these pple r gals. i dun know abt boys cos my close frens all gals -
I totally agree with you on this!Originally posted by the_don:personal experience: the frens who depend on themselves (support themselves thru poly/uni) are a lot more independent and sensible. They tend to value money a lot more too. -
Deciding whether to splash about $200 on this earphones. Any audiophiles down here with a good review?
