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General => General => Topic started by: Fallout on January 21, 2007, 06:58:27 pm

Title: Your perspectives on money
Post by: Fallout on January 21, 2007, 06:58:27 pm
Also, post your job status and how you would class your lifestyle - poor, just barely surviving, decent, rich etc. (and what you voted for in the poll)

Status:
I was earning £720 a month in my last job, and had quite a decent lifestyle. My parents struggle for money, and I had to pay £200 of my monthly earnings to them to survive. Since I'm unemployed, I keep a tight hold on my money and regret spending any of it. The monthly payday is coming up, and my mother expects £200 off me out of my account even though I'm not getting any income. I'm not having any of it and I refuse to pay that.
Title: Re: Your perspectives on money
Post by: Pete on January 21, 2007, 07:12:49 pm
I don't actually have an income of my own, so it's not really my place to say what's a lot of money. Though I can easily spend £50 if I wish...I collect Warhammer for christs sake. That's horrendously expensive.

My idea of lots of money wholly depends on what I'm buying tbh. I utterly hate paying lots of money for clothes (unless it's something that I really like...) but I'll gladly pay a lot of cash for something like a new game, mp3 player, pc update thingy...

I also view money as EVIL and think that it shouldn't be allowed to be factored into deciding on issues such as GLOBAL WARMING and FAMINE and DISEASE CONTROL....'We can't cure people, because it's too expensive :D :D :D :D!'

Stupid economics.
Title: Re: Your perspectives on money
Post by: Crazywater on January 21, 2007, 07:16:17 pm
Damn. I just looked at 100 and thought "That's a lot."

Then I realized that we're talking about pounds...
Title: Re: Your perspectives on money
Post by: Lysix on January 21, 2007, 07:19:55 pm
Currently working in a bar/restaurant. My uncle owns three major places in eastbourne so it wasn't entirely hard to get a job (lolfamilypower). I earn £32 a week for working the weekend (£16 a day). Since i've had the job i've been able to buy basicly everything i've wanted: parents realise i'm earning and allow me to borrow larger amounts to get stuff quicker, as they know they'll get it back.
I'd say financially,things are pretty decent. My parents are both employed and are in moderate paying jobs. I've never gone without. When i have, it was because i was being taught how to spend money and to value it.
I voted £500 as alot, btw. But it depends on what it was i guess.
Title: Re: Your perspectives on money
Post by: Cerapter on January 21, 2007, 07:20:33 pm
I think £100 is a lot, but I'd be quite protective about £25, too.
Title: Re: Your perspectives on money
Post by: CrunchyLizard on January 21, 2007, 07:49:09 pm
I don't have a job, and I'm perfectly fine with that. I've always had the money I needed and if I haven't, then I've just waited until I got it from somewhere (parents, grandparents etc.).

Even though I don't earn money I have plenty at the moment and could basically buy anything I want at anytime I want but I always try to save even the smallest bit of money at any time possible, so I'll vote £25.
Title: Re: Your perspectives on money
Post by: Fallout on January 21, 2007, 07:56:30 pm
Currently working in a bar/restaurant. My uncle owns three major places in eastbourne so it wasn't entirely hard to get a job (lolfamilypower). I earn £32 a week for working the weekend (£16 a day). Since i've had the job i've been able to buy basicly everything i've wanted: parents realise i'm earning and allow me to borrow larger amounts to get stuff quicker, as they know they'll get it back.
I'd say financially,things are pretty decent. My parents are both employed and are in moderate paying jobs. I've never gone without. When i have, it was because i was being taught how to spend money and to value it.
I voted £500 as alot, btw. But it depends on what it was i guess.


Rich bitch ;)
Title: Re: Your perspectives on money
Post by: L'homme magique on January 21, 2007, 08:41:35 pm
I'm sixteen, live with my parents. My dad works for the government and gets a very decent income; we're upper-middle class. You know, nice house, shafted by taxes, not all that much stuff because we're still paying off the house, but compared to other people we're spoiled rotten... etc.

I don't worry about money. There's not all that much that I want, maybe a $50 game every four months or something. I'm confident enough in my intelligence (and performance on standardized tests, which is what matters) that I'll have at least part of college paid for me, and for the rest I can take out student loans, which can be paid back, et cetera.

During the summer I did have a part time job, didn't get paid much at all, as it was rather under the table, but I saved what I got because it's a pain in the ass to make money (all of that went towards my new computer).

Oh, and what's "a lot" is relative. I'd say $1000 is a whole lot, but not if I was buying a car.
Title: Re: Your perspectives on money
Post by: Xhu on January 21, 2007, 08:44:10 pm
£20 a week for no real job, but also no real expenses. Covers buying lunch, birthday presents, and things like that. But even £25 means no food between 1am and 6pm for a week, so I chose that.
Title: Re: Your perspectives on money
Post by: Narquelie on January 21, 2007, 08:46:51 pm
Difficult question. It's like, I just paid almost 40 € (~26 £) for a new book (I'm a book-addict), but I think that's the biggest amount I'd spend on a regular shirt or pants.

But, I found an answer like this: If I loan money to someone, I don't even bother to ask it back if it's 3-4 £. If it's 6-7 £, I won't want it back unless I have a shitty financial situation myself, or the person is not a very close friend. 13 £ and up, I'll want it back at some point. But I answered 50 £, since that's the amount I'll want back no matter what.

I consider that I have enough money for my basic living (I get about 490 £ per month, minus my rent, which leaves me ~330 £), but I really cannot afford to buy anything really big, like furniture, expensive electronics (tv, dvd-player, computer), clothes from anywhere but H&M, and so on. But at least I'm living better than in my student days (students get less money than the unemployed in Finland), and I can afford my necessities, like food, books, gigs and cd's. :)

But it really shows that when you get more money, you spend more money. I don't understand how I could manage with about 100 £ per month when I was a student. Because it feels that I lived basically the same way as I do now.

But, I bet when I get a real, well-paying job (and well-paying for me would be like 1000 £/month), I'll just buy books and beer and whine about not being able to buy a new sofa or something. :D
Title: Re: Your perspectives on money
Post by: Ant on January 21, 2007, 09:03:12 pm
With my dad being made redundant 3 times in the past 2 years my family has never really had money in so long (when redundant you lose your pension plan so don't get any cash either)

i'm the only one with more than a grand in my family i just feel like running away
Title: Re: Your perspectives on money
Post by: Outboundlight on January 21, 2007, 09:06:58 pm

I answered £100 because if there's something I really really want, and it's in and around £100 i'll have to seriously consider it and probably wait till my next pay check to buy it.

I tend to spend my money willy nilly though, I'm not very responsible.
Title: Re: Your perspectives on money
Post by: Kobi on January 21, 2007, 09:19:37 pm
I have no idea how much even £1 is. So its a little hard to answer that. But at an average the €, $ and £ is multiplyable by ten to the swedish Krona so I chosed 250£.

On a monthly basis I hardly have any expenses. No more then that some of my earnings go to savings accounts and paying of my student loand. I'm employed at a plastic pipe industry since six months back and all that I earn there I get to save, wich is about 1150£ a month. all of it but the expenses I just menioned. I'm 21 but live in my parents place, huge house so I get one floor alone. On spare time I work on several game or 3D related projects and I hope to make a career in that in the future, wich is why I stay at my parents place. There is no point in beeing eager to move out for a job like my current and in a town I really wanna leave. Parents are both empleyed and have an own company by the side so we are not in dire need of money. I can't remember that we've ever been in money problems. I'm quite broke at the moment though since we had to pay for car repairs lately but that fixes itself now that I get to keep my whole salury for six months :)
Title: Re: Your perspectives on money
Post by: Jack Lupino on January 21, 2007, 09:20:20 pm
We have euros, 250 euros would be kinda much, so i pressed 250.
Title: Re: Your perspectives on money
Post by: SpeedD on January 21, 2007, 09:37:24 pm
As I've said: "And £1 is a lot of money. Choose how you spend each wisely; they're harder to gain back than they are to spend."
Title: Re: Your perspectives on money
Post by: Kobi on January 21, 2007, 09:47:54 pm
As I've said: "And £1 is a lot of money. Choose how you spend each wisely; they're harder to gain back than they are to spend."

I'm uncle scrouge personified. But I will do a needed upgrade for a new PC. After that I will probably just hog money. If I ever get a studio job somewhere else I'm gonna neede some savings.
Title: Re: Your perspectives on money
Post by: mumppis on January 21, 2007, 09:50:44 pm
edited it little because ther wasnt enough options in the first one
Title: Re: Your perspectives on money
Post by: Fallout on January 21, 2007, 09:52:33 pm
Edited it for rich bastards ;)

Edited it for Scouter.
Title: Re: Your perspectives on money
Post by: mumppis on January 21, 2007, 09:54:59 pm
Edited it for rich bastards ;)

well im not a rich bastard lets just say i earn enough for now and waiting for a rise in my salary but then again under 1000£ aint alot of money for me because well lets just say when i go spend out a night in a bar its 100-300e that i spend in a night but thats just me
Title: Re: Your perspectives on money
Post by: Fallout on January 21, 2007, 10:09:56 pm
Alright, £50 is a lot for an unemployed person, and most people seem to be voting £100. Seems we have a lot of poor people (or people that are tight with their money) on this forum :o
Title: Re: Your perspectives on money
Post by: Narquelie on January 21, 2007, 11:07:25 pm
when i go spend out a night in a bar its 100-300e that i spend in a night but thats just me

Whoa. I gotta ask: How? I could end up into a sum of 100 €, if I traveled by a cab to a bar with an expensive entrance-fee that is in the other side of town, and if I drank the most expensive whiskey or something like that. Plus, I probably would have to buy drinks for my friends too, and buy some grill-food before taking a cab back home.

Since my regular bar has no entrance-fee, I drink mostly cheap beer, travel by a bus, and eat at home, I spend like 20-30 € in one bar-night.
Title: Re: Your perspectives on money
Post by: Ant on January 21, 2007, 11:24:47 pm
I sue my good looks and charm to get free drinks

too bad it never works and i spend about 100 squid, but that includes an eigth of ganj which is about 20
Title: Re: Your perspectives on money
Post by: Gravehill on January 21, 2007, 11:31:03 pm
I come from very poor family so I've learned to value money. I had to take loan when I started to study. After graduation my wife had to buy car for her job and we had to take loan for that too. We have one kid and it really means more expenses, I can tell :D And then we bought home with loan. We pay it back with same sum we pay as rent that it's not that bad situation after all. Now I'm working in three shift job and get enough money so that my wife can work part-time and spend more time with our son. We can pay our loans and bills but that's about all. If there were no sudden expenses we could buy little extra every now and then, go to restaurant and so on. Now we can buy pizza every now and then :D Problem is that there has been sudden unpredictable expenses, whole year. Right now we can manage, barely. Things should be better at summer. When our son is about 5 years old my wife may start working full time, that's three years from now. Somewhere around that time our student loans should be paid which will mean that our expenses grow smaller by little over 130£ per month. It's lots of money and will have significant effect on our economy.

I think that 50£ is lots of money.
Title: Re: Your perspectives on money
Post by: Gravehill on January 21, 2007, 11:42:40 pm
when i go spend out a night in a bar its 100-300e that i spend in a night but thats just me
Whoa. I gotta ask: How?
Easily. Once me and my wife spend 400€ in one night just partying. It's not what you drink but how and how much you drink and how long time you keep on drinking.  100€ is just 20 drinks if you buy them all from bar. I can surely drink lot more. Start from noon and drink until 9 am, add cab to both directions, kebab or two and couple drinks I usually buy for some close friend(s). I say 100-300€ is easy piece thou I haven't used that much since 2004. I don't wonder mumppis' calculations a bit. But I would like to hear more about it in details, too. :D
Title: Re: Your perspectives on money
Post by: Lysix on January 21, 2007, 11:44:16 pm
Gravehill. As much as i love your posts, could you stop double posting and just edit please? :)
Title: Re: Your perspectives on money
Post by: Sirix on January 22, 2007, 12:12:15 am
I gota say $9000...
going to school is expensive... costs me about $10000 a year for tuition + living costs.

so $1000 is more of a break and 2 months rent, not a lot of money... so I had to go for $9000
Title: Re: Your perspectives on money
Post by: Gravehill on January 22, 2007, 12:37:28 am
Gravehill. As much as i love your posts, could you stop double posting and just edit please? :)
Yes I could but why I should? :D

Seriously... I have been really short of time (and strength) recently. Because I still want to be here on this forum it had made me to cut some corners straight which leads to (even more) horribly written texts and accidental double postings. Bare with this little while, it should get better when other things get better as well... It's already little better and it will eventually get even more better. So long : sorry :D

Just in case : I used word "better" quite a many times. Better is good word. So optimistic. To avoid this post being off topic I add that I hope that my monetary situation gets better soon.
Title: Re: Your perspectives on money
Post by: Xhu on January 22, 2007, 01:35:50 am
You took away my vote. Damn. £50 is *way* too much.
Title: Re: Your perspectives on money
Post by: Ant on January 22, 2007, 01:51:27 am
Gravehill. As much as i love your posts, could you stop double posting and just edit please? :)
Yes I could but why I should? :D

Seriously... I have been really short of time (and strength) recently. Because I still want to be here on this forum it had made me to cut some corners straight which leads to (even more) horribly written texts and accidental double postings. Bare with this little while, it should get better when other things get better as well... It's already little better and it will eventually get even more better. So long : sorry :D

Just in case : I used word "better" quite a many times. Better is good word. So optimistic. To avoid this post being off topic I add that I hope that my monetary situation gets better soon.

i find And to be optermistic too

and also

WHAPPPP! that's a special one for you
Title: Re: Your perspectives on money
Post by: evilcandybag on January 22, 2007, 02:32:39 am
I earn £32 a week for working the weekend (£16 a day).

Even if that's after taxes and shit, that's very little for a day's work (eight hours that is). I earn ~£37 a normal weekday (after taxes), and I don't have a particularily well paid job (I get about 50% more on weekends).
Despite this, I voted £50 as a lot, as around that sum, expenses really start to burn.
Title: Re: Your perspectives on money
Post by: Irrationalist on January 22, 2007, 02:49:07 am
I voted 50.

I live in a pretty wealthy family, but they had the wisdom of having me pay for all of my stuff. They did help me get my loan on my car, but all of the money comes out of my wallet. It taught me financial responsibilty, as I have all my money for bills 1 or 2 months ahead of time. I also dislike borrowing money because of it too. Also made me a bit stingy, but I'm willing to share money with my good friends anyday, well, as long as they arent wasting their's.

As for what Sirix said, I will have to get a student loan soon for that, oh goody, being several thousand dollars in debt!!! But remember that small amounts of money here and there are what usually screws you, which is why I voted so low.
Title: Re: Your perspectives on money
Post by: Fallout on January 22, 2007, 03:15:17 am
You took away my vote. Damn. £50 is *way* too much.

mumppis deleted it :-\


I voted 50.

I live in a pretty wealthy family, but they had the wisdom of having me pay for all of my stuff. They did help me get my loan on my car, but all of the money comes out of my wallet. It taught me financial responsibilty, as I have all my money for bills 1 or 2 months ahead of time. I also dislike borrowing money because of it too. Also made me a bit stingy, but I'm willing to share money with my good friends anyday, well, as long as they arent wasting their's.

As for what Sirix said, I will have to get a student loan soon for that, oh goody, being several thousand dollars in debt!!! But remember that small amounts of money here and there are what usually screws you, which is why I voted so low.

Ahh, like a baby getting it's first tooth, you just said your first wise words. Have a one-off applaud. :)
Title: Re: Your perspectives on money
Post by: slippy0 on January 22, 2007, 04:19:18 am
lol at the three people who chose over 9000!!!

anyways, i chose 100, even though I would never just throw around $50 (or pounds, or w/e), I would spend it if I felt the occasion (video game, a special night out, etc). But 100 just seams like a lot to me. I think the only time I've ever spent anything close to that would be buying a game system once every 3 years.
I live off of about a $15 a week allowance, plus whatever I don't spend on food, and the rare 3d commision (I'm open for buisiness, btw ;)).
Title: Re: Your perspectives on money
Post by: Sirix on January 22, 2007, 05:50:20 am
lol at the three people who chose over 9000!!!

I feel justified.
Title: Re: Your perspectives on money
Post by: SpeedD on January 22, 2007, 06:05:47 am
I had to choose it.


I mean, for fucks sake....

IT'S OVER 9000!!
Title: Re: Your perspectives on money
Post by: Sirix on January 22, 2007, 06:09:45 am
I had to choose it.


I mean, for fucks sake....

IT'S OVER 9000!!

maybe it's something about us Canadiash folk.

we just got a lot of money.

we would if we were from Alberta... rich buggers.
Title: Re: Your perspectives on money
Post by: SpeedD on January 22, 2007, 06:15:07 am
Fuckin' oil, eh?
Title: Re: Your perspectives on money
Post by: harvey danger on January 22, 2007, 07:44:38 am
I voted £250, around $500. I make from $60-70 a week, depending on how long I work (3-4 hours, three times a week). When I see something I want for $500 (usually some fancy technological device or guitar-related item), I start saving my money for a bit. I don't throw my money around, but like Slippy, if I see a game I want for $50, I'll buy it. $250 is a lot (I certainly wouldn't mind having that amount just handed to me), but it doesn't take as long to save up for something that's $250, so I just don't consider it as highly.

If you're wondering how I could afford an almost $2000 (~$1650 with coupons) laptop, I recently discovered I had about $2800 in savings bonds in the bank. So, most of that went to the laptop, a good chunk $700 to my grandfather for paying my college application fees, and a little bit is left to pay for whatever additional college fees there may be.

As for my family's financial situation, my father went from making $100,000+ a year (upper middle class) to now making less than $20,000 a year and working two jobs, so I'm often the one loaning them money, or buying/paying in part for dinner or groceries. But I don't mind. I don't splurge on things, and I always have at least $100 with me for whatever might come up, and I put a little bit into my (free, thankfully) checking account every week.
Title: Re: Your perspectives on money
Post by: Torp v2.0 on January 22, 2007, 12:44:46 pm
I'm going for £100, using the same logic as VT. If there's something I want, and it costs about £50, I buy it. If it's costing upwards to £100, I will have to think about it.

I get just under £6300 a year in students loan and stipend, plus between £1500 and £2000 from jobbing each summer (I could probably get up to £2500 if I get the right job). Of this, just over £3000 disappear in monthly rent, £150 go to internet, and probably £400 go to the power company. In addition comes a some hundred for schoolbooks (typically about £40 per course, or 320 a year), and 10 months of food (I don't have food expenses in when I'm home), which would probably not be any more than £1200, probably less.

Which leaves me with (6300+1500-3000-150-400-320-1200) £2700 a year for other. Out of this, plane trips home (usually 4-5 each year) take out £400 more. Last august, I needed to put in almost £1000 in an account to get my apartment. It's still mine, but they're unavailable, as they're there for making sure that I can pay if I fuck up the apartment or something. This summer, I'll be using the same amount on a computer. So, that leaves me with about £100/month on average for other stuff. Which shows that for me, it's a lot of money

(Remember, also, that living costs and pretty much all costs are higher here in Norway than in almost all other countries. A Big Mac menu costs like £6, just to use something you all know (not that I ever eat Big Mac - it's not very good)).
Title: Re: Your perspectives on money
Post by: CrunchyLizard on January 22, 2007, 03:26:48 pm
You took away my vote. Damn. £50 is *way* too much.

Just what I was going to say.
(Yes, I did see Fallout's post that mumppis deleted it, but it's still the option I wanted)
Title: Re: Your perspectives on money
Post by: Fallout on January 22, 2007, 06:31:07 pm
You took away my vote. Damn. £50 is *way* too much.

Just what I was going to say.
(Yes, I did see Fallout's post that mumppis deleted it, but it's still the option I wanted)

Yeah.. I dont think I can add it again :-\
Title: Re: Your perspectives on money
Post by: Viherminttu on January 23, 2007, 10:02:42 am
i have $15 to my name right now. I work hard for my money and never save a cent. in all honesty, if something terrible happened id be FUCKED in an emergency.
Title: Re: Your perspectives on money
Post by: Lysix on January 23, 2007, 11:18:03 am
in all honesty, if something terrible happened id be FUCKED in an emergency.

Me too. I'm being persuaded by my parents to start saving amounts of what i earn and put it in the bank for "the future".
Title: Re: Your perspectives on money
Post by: SpeedD on January 23, 2007, 02:03:51 pm
...

I don't...spend money....like...ever.

Really, I don't buy things unless I have to, or really want it. This is reflected in many parts of my life, I'm that guy who plays everything safe and tries to look at the possible outcomes of actions. So yeah...

...I'm a pussy. :P
Title: Re: Your perspectives on money
Post by: Viherminttu on January 24, 2007, 03:52:43 am
in all honesty, if something terrible happened id be FUCKED in an emergency.

Me too. I'm being persuaded by my parents to start saving amounts of what i earn and put it in the bank for "the future".

ditto. why is it so hard to save. alas.
Title: Re: Your perspectives on money
Post by: Sirix on January 24, 2007, 05:12:52 am
...

I don't...spend money....like...ever.

Really, I don't buy things unless I have to, or really want it. This is reflected in many parts of my life, I'm that guy who plays everything safe and tries to look at the possible outcomes of actions. So yeah...

...I'm a pussy. :P

to be miserly does have negative denotations, but if you are just honestly happy without spending, then why should that make you a pussy?

maybe if you're depriving yourself and feel that way, sure.
but is that the case, or are you just happy without owning as much as other people seem to need to?
Title: Re: Your perspectives on money
Post by: slippy0 on January 24, 2007, 07:27:21 am
oh yeah, I follow the jewish stereotype in many ways. I have a jar with $100 in quarters alone, $200 "Spending money" next to my bed, and somewhere between 5500 and 6000 in the bank. I never touched my bar-mitzvah money :3
Title: Re: Your perspectives on money
Post by: cardinalsynn on January 25, 2007, 05:11:57 pm
any moneys a lot of money as far as i'm concerned, and it's relative to how much you have.  if i had five pounds, and had to give away two fifty, that'd be a lot of money!!

though, being a cd fiend, i can spend money like no tomorrow, when i have it. = $ = p
Title: Re: Your perspectives on money
Post by: Sirix on January 25, 2007, 06:14:47 pm
any moneys a lot of money as far as i'm concerned, and it's relative to how much you have.  if i had five pounds, and had to give away two fifty, that'd be a lot of money!!

though, being a cd fiend, i can spend money like no tomorrow, when i have it. = $ = p

I know what you mean.
I only owned 3 CDs at the beginning of last year.
now my collection pushes 70.