Comments on: It’s Your Money, YOU Spend It!

By: Bankruptcy Advice

Bankruptcy Advice — Sun, 14 Nov 2010 21:36:09 +0000

All I can say is my experience of being a debt advice worker is the earlier you get into debt in life the more time you have to catch. Debt is usually a result of a unexpected life event. Divorce was my problem and that ended up with bankruptcy. Still i am now 36 and have had 6 years out of bankruptcy. Only this week I got a normal bank account and just qualified a car loan. I have 4 kids so really a new car.

best

Richard

By: Brad Chaffee

Brad Chaffee — Tue, 09 Mar 2010 23:27:02 +0000

Debtsolver – Thank you for sharing your story. That is definitely unfortunate, but I am glad you have realized the mistake that was made. One simple, errr…not so simple word is all it takes. There is a book called boundaries that touches on that kind of situation with perfection. You should check it out it is awesome!

By: Debtsolver

Debtsolver — Tue, 09 Mar 2010 14:58:44 +0000

What I have gone through before with both my mother and my boyfriend is that they were both unemployed but set out my budget before I actually got paid…it was terrible, I couldn’t say no..but that was because I believe I was a victim of emotional blackmail…and it led me into a world of debt!! Looking back I feel very silly about it…all I had to do was say NO!

By: Bucksome

Bucksome — Sat, 27 Feb 2010 18:46:31 +0000

I feel pretty lucky that this hasn't happened in my family. We have lots of family events and vacation together often , but all like a good bargain. Plus if someone decides to opt out, there aren't hurt feelings. We'll see them next time.

By: Manage Your Money Pre-Challenge Post: On Paper On Purpose | Enemy of Debt: Where Behavior Meets Reality

Fri, 26 Feb 2010 20:26:25 +0000

[...] It’s Your Money, YOU Spend It! February 23, 2010 [...]

By: the_enemyofdebt

the_enemyofdebt — Fri, 26 Feb 2010 04:09:45 +0000

Dude I get a kick out of it too, because I get to watch them unknowingly make a fool out of themselves. How could you not know that expecting someone else to spend their money, like you said so well, "on their goals or adventures" is beyond me. I just want to look them right in the face and kindly tell them to grow up. Thanks for the compliment my friend, I'm glad you enjoyed this post. P.S. I went to the store today and picked up the stuff to make the smoothie--all except for the stinking OJ. LOL I am going to walk to the store in the morning and pick some up. I want to taste this low calorie, easy to make, breakfast drink! Healthy Morning Starter Smoothie in 3 Minutes Thanks for writing that one dude!

By: David Damron

David Damron — Fri, 26 Feb 2010 03:49:01 +0000

Learning to say "NO!" and understanding people are going to be disappointed or pissed or whatever is something more people should just ignore. I love it when people just expect something of me and then I just say "No!". I hate it when people assume I am free or want to spend money on their goals or adventures.

Good article sir!!!

David Damron

By: Brad Chaffee

Brad Chaffee — Thu, 25 Feb 2010 20:36:38 +0000

If I have a voice in how I sped my money I am okay with that. I am opposed to someone volunteering my wallet as the source of their wacky hair-brained schemes. LOL

Celebrating milestones doesn't have to destroy someone's budget. In this day and time it seems that FUN is associated with high dollar parties and gifts. Celebrate with love, instead of money. It is LOVE that you are celebrating after all. I love celebrating frugally! If I am cheap for doing so then it is not my love someone is after.

Thanks for taking the time to join the conversation Denise. I really enjoyed this post very much!

By: Brad Chaffee

Brad Chaffee — Thu, 25 Feb 2010 20:31:35 +0000

Anyone with a plan that is willing to put up with relatives or friends calling them cheap, and still remain diligent in working their plan deserves an award. Not to mention they should be able to walk around with their head held up high. It is highly likely that their friends and relatives are BROKE! Maxed out cards, car payments etc.

People who have a plan and don;t give in should be called SMART instead.

Psst…I couldn't help but make the Government comment.

By: Brad Chaffee

Brad Chaffee — Thu, 25 Feb 2010 20:27:15 +0000

I am so sorry that you have been looked at like that, simply because you have a plan. It's really a shame that people are so inconsiderate of other people's plans and goals. Keep doing your thing, you are on the right path!

By: Brad Chaffee

Brad Chaffee — Thu, 25 Feb 2010 20:06:35 +0000

Self-centered is right. How can someone get mad at you for having a financial plan? It makes no sense at all. I too disagree strongly with splitting the check evenly especially when others we running up the bill.

What do you mean you don't want to pay $10 more for your food than you should have. It's up to you to foot the bill for the one who drank, because wine is cheap after all. LOL I'll throw in my portio of the check on the table and tip the waitress myself.

By: Brad Chaffee

Brad Chaffee — Thu, 25 Feb 2010 20:03:32 +0000

That is some story you got there Abigail. LOL I would have felt so weird getting a lap dance from a strange woman before marrying my beautiful wife. I guess that's why I didn't have a bachelor party. I went and played golf with my buddies instead. Haha!

By: Denise

Denise — Wed, 24 Feb 2010 15:45:29 +0000

Just to play devil’s advocate….I’m usually the one in my family (5 siblings, plus spouses and kids and granparents) everyone looks to for special event planning – birthdays, camping trips, anniversaries. I love to do it and am happy to work with everyone’s budget, schedules, dietary needs, kids, etc….however, it can be difficult when people are not honest – UP FRONT – about what works for their family. I’ve had my sibs tell me one thing and then 6 months into the planning change their mind! Frustrating!

So it’s a two way street. Everyone needs to be heard about what works for them (dates, budget, gifts, etc) and it would also be nice if everyone helped with a portion of the party (send invites, make reservations, collect money). It would also be nice if the usual “family planner” gets a break from organizing and someone else offers to make the plans…it’s a treat for me to just show up with a dish to pass and enjoy the party.

Remember the ultimate goal is to celebrate our family’s milestones with joy – not anger and resentment.

Fun conversation!

By: Financial Samurai

Financial Samurai — Wed, 24 Feb 2010 08:01:53 +0000

It is really annoying when others dictate how we should spend our money.

That is annoying as heck. The worst is when they snide at you regarding being cheap.

The gov’t analogy is spot on.

By: Oregonsun

Oregonsun — Wed, 24 Feb 2010 03:50:59 +0000

Most certainly this topic hit home! We have not participated in so many of our families plans due to the fact we did not have the money. We were busy digging ourselves out of debt. It has created a lot of hurt feelings on both sides. We have been looked at as cheap, selfish, inconsiderate and a whole lot of other things. We did not win a popularity contest but we are credit card debt free. I might add that no one asks us anymore to participate in anything. Maybe it is better that way…