Remove this Banner Ad

Money

  • Thread starter Thread starter Cruyff14
  • Start date Start date
  • Tagged users Tagged users None

🥰 Love BigFooty? Join now for free.

Cruyff14

Cruyff14

TheBrownDog
HBF's Milk Crate - 70k Posts Veteran 10k Posts 30k Posts Wordler TheBrownDog Chess Club Member Podcaster
Joined
Aug 16, 2011
Posts
74,739
Reaction score
65,936
Location
Melbourne
AFL Club
Hawthorn
Other Teams
Arsenal
How are you with it? Bit of a tight arse? Carefree? Sensible? Wasteful?

Personally, I don't go out buying expensive things too often unless I need them. Won't carelessly spend and waste money on garbage I don't need.

Only things I really spend a lot of money on are shoes. And work clothes.

Go out for food a lot but not to expensive places.
 
I'm reasonably careful I think. My wife and I have a few different accounts that a percentage of our pays go into each week that comfortably covers the mortgage, bills, food etc so we are never short or late on any of those. We also have a joint savings account that we contribute to each week.

That said, the remainder is our personal spending/saving money and I do tend to spend quite a bit of that on unnecessary things.
 

Log in to remove this Banner Ad

Yeah, I'd classify myself as a bit of a tightarse. I look at things between wants and needs. And stuff generally falls into the former category. I'll buy stuff if I need it, but if I want something, but don't really need it, I won't bother. Generally get water at a restaurant too.

Gf isn't great with money but she's come a long way since we first started going out. Think she has started to realise that with a mortgage on the way she can't be spending money on unnecessary things. Still young though (22) and has that urge in her to just spend (which I get).
 
Cruyff14 said:
Didn't you say HBF gives you an allowance?

How does that work exactly?
Click to expand...
Haha you make it sound so 1950s!

What happened was, when we moved in together I had no actual money but mountains of debt. I contacted the bank and they consolidated my credit cards into a personal loan that I pay off weekly. I also took on half the bills and mortgage, and needed to start saving money for the future. So I worked out a budget including all of the aforementioned debits. I have a direct debit set up for my personal loan, and one where I send HBF the money for my half of the bills and mortgage, and one where I send HBF money to save on my behalf. What's left over is my 'allowance' and I'm free to spend it however I want (mostly on AFL and rugby memberships, heading out to dinner with friends, makeup, etc.)

When my loan is paid off then I will increase the amount that I send to HBF for savings, and then when (if) I go on maternity leave, he will send it back to me on a weekly basis as my 'income'.
 
Pretty good with coin. Pay nearly double the mortgage repayments but still never go without. I could probably make things easier by consolidating house and two vehicles into each other but I'll keep paying them all at once until it becomes untenable
 
floyd-mayweather.jpg


This is how I live.
 
My Mrs and I also have just one joint account, but I always found weird that my mum and stepdad still have separate money. I make a lot more than the Mrs, by design because when kids come then I want her to have the freedom to not work, plus I couldn't work like I do without her looking after me and everything else, so it'd be unfair to have separate dosh.

Where do you guys fall on this?
 
I splurge from time to time but am generally really good with saving. I get a boner by seeing my bank account rise which makes it easy to save. The wife and I have never really been to go out and spend $200 on drinks type. I've never owned a credit card because I hate buying things I can't pay for, from a young age. The only thing I've ever taken a loan for was our house (obviously). Every thing else I won't buy until I've saved up the scratch for it. Both of my cars I just saved up and bought up front.

Even when I go on a splurge it's usually not huge. Not counting big ticket items like appliances, the most I ever spend at once is usually a couple hundo. Having a healthy spending account just means any time I see a $100 or so item I can just grab it and not feel guilty. When the spending account dips, time to cool it on the spending for a week or two.
 

Remove this Banner Ad

Marklar_33 said:
My Mrs and I also have just one joint account, but I always found weird that my mum and stepdad still have separate money. I make a lot more than the Mrs, by design because when kids come then I want her to have the freedom to not work, plus I couldn't work like I do without her looking after me and everything else, so it'd be unfair to have separate dosh.

Where do you guys fall on this?
Click to expand...

My wife and I have a joint account, and a private one each. Every pay we keep a set amount in our personal ones and transfer the rest the joint. All grocery shopping, bills, etc come out of the joint. Anything personal we use our own ones, ie. video games/cds for me, flowers/plants/craft shit for her.

If the joint one gets above a certain amount then we transfer a grand or two onto our home loan.
 
Go out for a nice meal like Chin chin/Cookie once a month but would have a counter meal/Chinatown probably once a week on average. Spend a fair bit of cash on clothes and grog, also always saving for a good holiday but that's sort of a backhand collection and life syle does not change when I want to go O/S. I don't buy stupid shit but i jknow what i like in life and tend to concentrate on enjoying myself but grabbing a lot of those things I enjoy/spending good money on good quality things I like.

will always go to an event or a band or something.

Tight arses are the worst thing in the world though and tight arses never realise they are. Biggest thing is spending money on your mates and doing the good thing. But once you suss a friend is tight never ever ****in do the righty by them because its a lost cause
 
I'm careful with money.



In all seriousness it depends on how much money you have or are earning, if you don't have a lot of it you tend to be more of a tightarse by necessity.
 
Last edited:
Have always been pretty careful with my money. Bought up with a tight arse old man who drummed into me from young age to "get in front" with my money and stay there. My older sister is completely useless with money (some of the stories I could tell you) and that scared me as well. Did not want to end up like her.
 

🥰 Love BigFooty? Join now for free.

I've blown a lot of money over the years on non-essential stuff. God knows how much has gone on airfares.

But it was my money to blow and at no stage was it going to put me into debt, make me go hungry, default on my home loan etc.

I bought a TV my second year of working full time, a pretty good quality one. I wanted to get one, so I saved up until I had that amount in my bank account that I could spare to spend on something like that and I bought one. Do people just not think like that any more?
 
Average
-On the one hand, I've never bought anything with a loan or debt, apart from a house (and even then- I saved until I had over 20% as a deposit). Bought my other pricy things like the car, upfront. Whilst I do have a credit card, I only have it for the *points*, and also to get a credit rating. I've never actually been overdue on any of my payments. I still have a very healthy bank balance
-On the other hand, I have been known to spend freely on holidays/ upgrading airfares/the footy/ shopping (but never more than I can afford) , and I don't compromise on comfort
I acknowledge my privilege.
However, I don't understand people who are bad with money, nor do I don't understand people who are so stingy, that they can't ever enjoy life
 
Stratton_Gun said:
Extremely tight unless drunk where I am a real spendthrift
Click to expand...

I'm a bit the same, I tend to be a tight arse when it comes to spending money on stuff like food, clothes and furniture but then think nothing of going out on a Friday or Saturday night and blowing a couple of hundred bucks on booze, cover charges, taxis, fast food etc and having nothing to show for it but a shocking hangover the next day.
 

Remove this Banner Ad

Remove this Banner Ad

🥰 Love BigFooty? Join now for free.

Back
Top Bottom