Shocking article : Many don't have $2,000 for a rainy day (year, apply, taxes)

[Texas User]

Originally Posted by TVandSportsGuy

I do use the free sites but it's LESS compeition on the PAY Sites. I use both. As a single person who lives alone ho often are they going to cook when they come home from work?

Women don't have to worry about paying though. Its all about the pictures.

[FBJ]

Originally Posted by Themanwithnoname

I think he means when you can use the free ones.

There are more guys on the free sites which means............MORE COMPETITION

[mathjak107]

Originally Posted by Texas User

You can get more then 12%. Its how you manage your portfolio. You should be actively managing everyday.

12% long term would be more risk than most of us would want to take on ,especially today with cash and bonds producing very little .

markets have averaged 9% or so the last 10 yrs,20 years and 30 years with the worst 20 year period over the last 40 years returning 7%.

[Themanwithnoname]

Originally Posted by TVandSportsGuy

There are more guys on the free sites which means............MORE COMPETITION

I've tried both.

Had better luck on the free ones.

As to cooking:

I made Jambalaya last night, I'll probably make Red Beans and Rice today.

Frieze portions of it, that's over 20 meals which just need to be heated up.

It's easy to do this on the weekends or some evening when you feel like it and rotate through...

Burning a chunk of Beef once a week,or something else easy makes relatively easy to eat at home.

(Crockpot helps too)

-Reminds me, I need to throw a deer roast into it next couple days...

[Texas User]

Originally Posted by freemkt

Dave Ramsey assumes you can attack both sides of personal finance: conserving money (frugality) AND earning money (multiple jobs, delivering pizzas, etc). This isn't exactly a great economy for getting extra jobs.

There are jobs out there. You have to keep looking.

[Texas User]

Originally Posted by Mightyqueen801

Exactly. People who find this shocking have never been broke.

While I do sympatize with the people who are/were broke due to unfortunate circumstances but there is no excuse for someone who did not budget their finances and did not save for a rainy day fund.

If you live below your means then you should not have any issues.

[sunnyandcloudydays]

Originally Posted by Texas User

While I do sympatize with the people who are/were broke due to unfortunate circumstances but there is no excuse for someone who did not budget their finances and did not save for a rainy day fund.

If you live below your means then you should not have any issues.

I believe before the depression I would agree with you but with the cost of everything going up and wages stagnant its simply not the case anymore for most people.

All it takes is one trip to the ER or one illness or a major breakdown with your car, home repair etc and your SOL.

The recession has forced many people to cut corners but you can only cut so much.

I myslef have always lived within my means and i am thankful I have a job and so does my wife.

Kids are out of the house
If you had a job loss and children mixed in with any of the scenario's above you would be in for.

[mathjak107]

Originally Posted by TVandSportsGuy

That's a false statement. I have met women off pay sites that led to a date which means it wasn't a waste of money.

i got banned from match.com. on the questionaire it said" what would you like most in a woman?"

apperently the body part of mine i mentioned wasnt the answer they were looking for ha ha ha ha

[Texas User]

Originally Posted by TVandSportsGuy

That's a false statement. I have met women off pay sites that led to a date which means it wasn't a waste of money.

Well, do you really want to pay someone to buy a date?

[Texas User]

How much was the debt? Were they all with one creditor?

Originally Posted by mysticaltyger

Not true. I was broke/in debt from ages 18-24. I declared bankruptcy at age 21. I know all about it, the pscyhology of it, you name it.

But I finally woke up, dumped my emotionally unstable boyfriend who could never hold onto a dollar, and started getting my act together. It turned out for me I was neglecting a lot of things in my life that were hurting my ability to earn money. I had problems with confidence. I had to get over a lot of fears. I think my experience with being broke/in debt had a lot to do with overcoming fear in various forms...which is probably true for most people. It helped that I came from a family that always emphasized the importance of saving and avoiding debt (other than a reasonable mortgage). I initially abandoned those values, but I since I was taught that value system, I kind of knew what I had to do.

And yes, I still find it shocking that so many people are broke. Once I started earning a half decent income, I couldn't imagine not saving any money.