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Several, yes, several times my husband charged over $50,000 on credit cards and I needed to work extra jobs to pay them off. Twice he was between jobs but lied to me about where the money was coming from (he implied it was a long term loan from one of his family). Now, he is unemployed again and he is still spending money like he has a good job. He claims that since the things that he buys are "for the family" it shouldn't matter.
You're a saint. I would have forgiven him once, but the second time he would have been out on the curb and anything of value of his would be up for sale to pay off HIS debts.
Which sounds awful, but my mother lost my dad when he was 57, and I watched her struggle. It was hard and it was scary, and I promised myself I wouldn't be 53 with little or no means.
And here I am, just a few months away from 53, and if my husband were to kick off, I'd be fine.
There may be way more to life than money, but not there's not a lot fun in poverty.
Travel.
We are always thinking of ALLLL the places we haven't been to or seen, so that typically translates to 3 or 4 vacations a year (two 10 day vacations, and two four day vacations) spending about 8-9k a year on everything...
but since we're still young, i figure i'd rather do that now, and save a bit less, than to save that much more a year and not have seen the world.
I don't know how much rents vary in your area but here, it's still cheaper to rent a room in a house in the most desirable areas than to rent a 1BR in the worst areas. I guess it works out since for me, housing is just a roof over my head and I mainly derive my quality of my life comes from activities outside of home (i.e. hobbies, vacations, even my career.)
I also live in OC, so I do see that renting a room in a house in Newport Coast is cheaper than renting a 1br apartment in some slummy hood in Santa Ana.
But I'd be wary of renting a room in a house with strangers. I dated a girl who did that, and her housemates turned out to be crazy old ladies who tried to control her life. She was basically confined to her own room, and often sought to be out of the house as much as possible, because it was so unbearable sometimes.
Financial illiteracy is my problem. I don't make much money, but I make enough to save about $1,100-$1,300 in cash per month. And that's where it ends. I've saved about $110,000, but I'm scared to do anything with it. I don't have a credit history either, due to never having a credit card, a house, and paying for a car in cash. I would love to know how one can possibly get a credit card without credit history, considering everyone is using your credit score as a method of disqualification from everything in life.
Chipotle would be my other financial Achilles heel (ha ha).
Last edited by RadioSilence; 06-16-2012 at 03:09 PM..
Financial illiteracy is my problem. I don't make much money, but I make enough to save about $1,100-$1,300 in cash per month. And that's where it ends. I've saved about $110,000, but I'm scared to do anything with it. I don't have a credit history either, due to never having a credit card, a house, and paying for a car in cash. I would love to know how one can possibly get a credit card without credit history, considering everyone is using your credit score as a method of disqualification from everything in life.
Chipotle would be my other financial Achilles heel (ha ha).
Apply for a "secured" credit card. Basically, you deposit $500 with the bank, and they give you a $500 line. In a year, they'll up it and let it become a "normal" card.
Updating/upgrading my house. I save money then spend it on a project. By the time I get everything done that I think I want to do, it'll be time to start over again.
This! I'm in the exact same situation. Whether it's landscaping, painting, or anything else, I just can't seem to be satisfied with how my house looks. I currently have enough saved to go after this brand spankin' new concrete driveway that I've been obsessing over for the past couple months, but haven't worked up the courage to pull the trigger yet.
Hobby of car stuff, now a gun hobby. But have to enjoy life some and the car hobby helps me be financially responsible. By haveing 3 cars in our house wife/kid get the modest 2k7 sedan.
I have 2 sporty cars that are decently reliable but fun. Insurance is cheap gas is ehhh. One gets 23 mpg on average other is 18 mpg average. But gas is cheap here. Also a third car allows if one car goes down I have a backup and can find time to fix it myself.
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