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Thread: This is something as a community we do not do

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    Administrator STRYKA's Avatar STRYKA is offline
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    This is something as a community we do not do

    As a community... we don't talk about personal finances enough... we need to educate ourselves by asking questions and learning through discussion...

    I personally know that we have some educated people in this field and real life experiences are good to...

    So lets start it off... with the first question

    How have you changed your spending habits during this recession?

  2. #2
    J
    Undercover J's Avatar J is offline
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    i basically get the things that I really need and try to save as much a possible. Having a budget and sticking to it as much as possible has been quite beneficial.

  3. #3
    ank
    Registered User ank's Avatar ank is offline
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    I'll think about it.

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    Unique woman TriniTrini's Avatar TriniTrini is offline
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    Cut down on spending even more.
    Made my eyes like Radar for sales.
    Get some necessary items first from Jacks 99c store then shop elsewhere for the rest
    Reuse my clothes over and over

    What I need is more income.
    When You Get.. Give.... When you learn... teach (Maya Angelou)

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    Let us work with others to change our communities.

  5. #5
    Plays Harder cassette_craig's Avatar cassette_craig is offline
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    Quote Originally Posted by TriniTrini View Post
    Cut down on spending even more.
    Made my eyes like Radar for sales.
    Get some necessary items first from Jacks 99c store then shop elsewhere for the rest
    Reuse my clothes over and over

    What I need is more income.
    Join the line i am first in the more income line and it long as HELL.

    Well i gun say i try to cut down on spending and try to save more but yuh always end up doing some fine fine lil lil ting dat does end up eating out all yuh money.

    It's the lil tings. My friend fix up he house, the roof, the side, den paint BLAM dat finish. Den he had to fix a door, two windows, put up two posts at the back etc and the fine tings end up costing more than the paint, roof and side of the house.
    Last edited by cassette_craig; 06-15-2009 at 08:27 AM.
    joie de vivre

    carpe diem

    I can tell you a story bout my dyck but
    it would be way too long

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    Registered User dedetriniking's Avatar dedetriniking is offline
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    Made a budget...there is free software out there that would help you with this.
    Assign a dollar amount for the month to as many items as possible, rent/entertainment/gas/clothes/food.....and ensure that you are saving a portion of your pay....no matter how small it is...in fact if possible have that portion come out automatically and go into a savings account even before you see your take home check. Gotta be vigilant about saving people.

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    Plays Harder cassette_craig's Avatar cassette_craig is offline
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    Quote Originally Posted by dedetriniking View Post
    Made a budget...there is free software out there that would help you with this.
    Assign a dollar amount for the month to as many items as possible, rent/entertainment/gas/clothes/food.....and ensure that you are saving a portion of your pay....no matter how small it is...in fact if possible have that portion come out automatically and go into a savings account even before you see your take home check. Gotta be vigilant about saving people.
    why would i want to save people?
    joie de vivre

    carpe diem

    I can tell you a story bout my dyck but
    it would be way too long

  8. #8
    Plays Harder cassette_craig's Avatar cassette_craig is offline
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    Quote Originally Posted by cassette_craig View Post
    why would i want to save people?
    OHHHHHHHHH shit now i read dat back. Arite
    joie de vivre

    carpe diem

    I can tell you a story bout my dyck but
    it would be way too long

  9. #9
    J
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    Quote Originally Posted by dedetriniking View Post
    Made a budget...there is free software out there that would help you with this.
    Assign a dollar amount for the month to as many items as possible, rent/entertainment/gas/clothes/food.....and ensure that you are saving a portion of your pay....no matter how small it is...in fact if possible have that portion come out automatically and go into a savings account even before you see your take home check. Gotta be vigilant about saving people.

    this exactly what i do.. i have 3 Cd's that are maturing in 13,14, and 15 consecutively. I certain amount is taken out of my check every time i get paid, and once i reach $500 it is put into a 60 mnt cd.. great way to save.. this is apart from my regular savings and other investments.

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    Registered User up2detime's Avatar up2detime is offline
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    Quote Originally Posted by STRYKA View Post
    As a community... we don't talk about personal finances enough... we need to educate ourselves by asking questions and learning through discussion...

    I personally know that we have some educated people in this field and real life experiences are good to...

    So lets start it off... with the first question

    How have you changed your spending habits during this recession?
    in an effort to not stifle the economy anymore ive continue to spend. stopping our spending we push the recession along even further. thats why the government was pushing the stimulus/spending bills. But i was always putting away 10% for retirement and another 5% towards rainy days so my savings continue to grow as well. we have to have a good balance of both.

  11. #11
    Plays Harder cassette_craig's Avatar cassette_craig is offline
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    Quote Originally Posted by up2detime View Post
    in an effort to not stifle the economy anymore ive continue to spend. stopping our spending we push the recession along even further. thats why the government was pushing the stimulus/spending bills. But i was always putting away 10% for retirement and another 5% towards rainy days so my savings continue to grow as well. we have to have a good balance of both.
    good philosophy banna nice
    joie de vivre

    carpe diem

    I can tell you a story bout my dyck but
    it would be way too long

  12. #12
    Taj
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    ...
    “A sharp knife never proclaims it’s sharpness to the world…but the first to fall against it becomes it’s advocate.”

    You can put any face behind a mask but be careful cos someone else might be pretending. You might not be the only one with a secret -- Cassie/Gretel

  13. #13
    J
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    Quote Originally Posted by Taj View Post
    ...
    just making the rounds i see...

  14. #14
    Unique woman TriniTrini's Avatar TriniTrini is offline
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    Quote Originally Posted by cassette_craig View Post
    Join the line i am first in the more income line and it long as HELL.
    Ha! I was there before you... you just don't know who I am lol

    Quote Originally Posted by dedetriniking View Post
    Made a budget...there is free software out there that would help you with this.
    Assign a dollar amount for the month to as many items as possible, rent/entertainment/gas/clothes/food.....and ensure that you are saving a portion of your pay....no matter how small it is...in fact if possible have that portion come out automatically and go into a savings account even before you see your take home check. Gotta be vigilant about saving people.
    good idea

    I save a portion.

    Quote Originally Posted by up2detime View Post
    in an effort to not stifle the economy anymore ive continue to spend. stopping our spending we push the recession along even further. thats why the government was pushing the stimulus/spending bills. But i was always putting away 10% for retirement and another 5% towards rainy days so my savings continue to grow as well. we have to have a good balance of both.
    Love the bolded.
    While I have stopped spending much... Next week I intend to get a few clothes. Time for a new look.
    When You Get.. Give.... When you learn... teach (Maya Angelou)

    Be the change you wish to see in the world.
    Let us work with others to change our communities.

  15. #15
    Gladiator
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    Grreat thread...expect to see alot of input from me in the near future..

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