Smart Spending Blog
Strategies for saving more
33Comments
Nov 27, 2012 2:05PM
Oh! YOU MUST BE FREAKING KIDDING ME!!! These aren't "money worries"! These are whines of the whiney! I've inherited "millions" and I only have 30 more years to save "enough" for retirement.... Whine! Whine! Whine!
Try living in MY shoes! I'm 50 with three kids and have been trying to find a job for more than THREE YEARS. Despite having a degree in computer science and nearly 20 years experience. I've almost gone through my late husband's life insurance because of which I don't qualify for state assistance. Despite upgrades to make my home energy efficient it is STILL on the market. AND I have been going without needed medications because I don't have insurance, AND I am in need of dental work AND new eye glasses.
You want money worries? THOSE are money worries!!!
Nov 27, 2012 3:08PM
I agree - these are whines. Money troubles are worrying about whether the utilities will be on when you get home cause you can't pay the bill. Worrying about how to get groceries for your kids and lunch money and school clothes and supplies. Worrying that since you bring in 600 every two weeks but living takes out 1000 every two weeks what you are going to do. Worrying that because you finally are elegible for health insurance that your kids need that the extrat 350$ a month they are going to be taking out of your check will mean "what do we do with out now'. Not "i cant stop shopping" or "i want that new dress but its too expensive". Give me a break people. Why don't you interview real women with real money worries. Interview those of us barely making it on minimum wage to maybe 15$ an hour if we are lucky. Check women with kids and working two jobs just to make ends meet. We don't worry about online shopping we worry about feeding our kids and how we will pay the doctor bill. We worry that if we take off that couple of hours to take the kids to the doctor then our check is short and something won't get paid. Tell us how to end those worries. Any ideas ??? No cause no one wants to deal with real concerns of Americans. They want to think that everyone gets to spend hundreds of dollars on line shopping and frivalous stuff.
Nov 27, 2012 3:56AM
Nov 27, 2012 4:26AM
I always remember, This Too Shall Pass.
But, the money stress thing never ends...too many times to count, I've had to trust the money would be there when I've needed it...and...it is. Exactly what I need when I need it.
However, I don't recommend living this way without being in the habit of saving whatever you can...as much as you can afford...even pocket change in the piggy bank...because the key to having money exactly when you need it, is to save money...no matter how little it may seem...
Some say God helps those who help themselves...I can see that...but I see it as The Universe appreciates your toil...and effort is met with reward...Don't give up, persevere, and, one day you will look back and be amazed at what you've made it through, and, you will also be amazed how much money you've spent along the way...
Nov 27, 2012 1:12AM
Nov 27, 2012 4:03PM
Nov 27, 2012 3:12PM
my wages have stayed the same for the last 4 to 5 years and the cost of everything has went through the roof ...yea i worry about money DUHH!!!! to many idiots in this country dont want to work any more they just want a free lunch and good ol obama has promised them that ....so-long good times in this country I will have to get a second job to make ends meet....
Nov 27, 2012 1:12PM
Nov 27, 2012 4:16PM
These arent "money" problems. These are emotional problems. Our perceptions often drive our fears. What we feel dictates what we do. I worry about money sometimes...in fact ever since I bought my condo, I have been super stressed. I sat down, opened up MS Excel. Jotted all the line items from my paycheck. Changed my allowances/exemptions so that the max was taken out. Plugged in all my mandatory bills (mortgage, student loans, electric, gas, phone) then my unecessary bills (car note/insurance, cable/internet, cell phone). Then looked at my left over and alotted 90% of it to savings and 10% to spend. Its not much but it makes me "feel" more secure about the unknown.
I work slowly to deal with it this way as it calms me. A lot of our fears are irrational but its how we deal with them that matters. Im still working on not being a Type A personality which drives my "worry" Gene, its a work in progress. I acknowledge what I do have and what I have experienced and am grateful and even for a split second, the worries go away.
Nov 27, 2012 5:29PM
These aren't real money worries. Money worries are situations like described below. I can't believe I actually thought I might read the article and get some ideas for how to turn my brain off at night and get some sleep. For me, I lose sleep because my brain is trying to find a solution to the current money problem.
For example, yesterday I parked my car and took the key out of the ignition and it was still running. I turned it back on and drove the 2 miles to the dealership where it died in the service bay. I had to get a rental car with $43 in the bank. My brain was trying to figure how to pay for the car repairs all night long. Not easy considering that I still didn't know what was wrong with it exactly. Several hundred dollars hurts, but is a lot easier to find than several thousand dollars. Today, I feel like a zombie because I barely slept last night. None of the suggestions above help me to sleep when money worries are involved.
Anyone out there have useful suggestions that actually work (besides medication - tried it)??
Nov 27, 2012 5:41PM
Nov 27, 2012 2:33AM
Nov 27, 2012 4:31PM
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