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  1. #46
    Rising Bag Star
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    Default Re: Do you spend beyond your means?

    GUILTY! I always find myself buying things on credit and it gives me this temperary high but when I see my statement I think I'm such a fool. I feel like I'm throwing away money on things like a handbag when there are starving people out there. Idk what it is that makes us want these things but I need help so I can stop the cravings. Like a lot of others said, when you have a credit card you feel like its not so bad. Its like a illusion we give ourselves. I have recently discovered that when I have cash I try to hold on to it longer. But back to the topic....Yes I spend way beyond my means =/
    Craving a LV personalized Speedy 35

  2. #47
    Bag Fan Newbie
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    Default Re: Do you spend beyond your means?

    I've wore out many a credit card. I'm such a expert at defict spending that obama called me for help on the national debt. Know what I told him? Have his wife start her own line of bags and clothing and make a fortune. You would not believe how many people overseas are in love with her!

  3. #48
    Bag Admirer coachloverer's Avatar
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    Default Re: Do you spend beyond your means?

    Yep, I'm guilty as heck of it. I'm married to a wonderful man who has bailed me out now not once, not twice, not even three times, but FOUR times. If I were him, I would've left my a** a very long time ago, but as it happens, he loves me. Very much. Now here's the really crazy thing. Yes I love bags, clothes, shoes, beauty products, etc. Who doesn't? But a majority of the money I have spent (and I'm talking around $40,000 here) has been on prescription drugs. I need to stress here, I'm not a drug addict. I'm just a woman who has a lot of rather painful illnesses. Every day I suffer from a lot of pain, and the doctors over here have been less than compassionate. I've seen so many different doctors, and had so many different tests, been poked, prodded, had facets, MRI's, Xrays, scans, C-spines, EEGs, EKG's, been hospitalized and had 16 surgeries, you name it, I think I've had it. One pain Doc put me on Methadone, and when I told him I was vomiting up to 12 times a day, he basically told me tough. Methadone or nothing. Now I don't know about you, but there's not much quality of life when all you're doing is puking. In my own country you can go to any chemist (pharmacy) and by Codeine OTC. After living my life in a country where doctors genuinely care, and if need be you can buy a strong painkiller OTC, it's hard to move to a country where the health care is totally dominated by $$$$$. Did I do the right thing by running up credit cards? No. I put my hard working husband under even more stress, which he totally did not deserve. But I did what I felt I needed to do to get by. At least when it gets really bad I feel I can now tell my husband that I need help. I wouldn't wish what I live with on a daily basis on my worst enemy.

  4. #49
    bag fan TexLatina's Avatar
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    Default Re: Do you spend beyond your means?

    I'm way guilty of this one. I spend alot...have remorse...work my way out of debt, only to end up there again. Been like that for the past 5-6 yrs now.

  5. #50
    Bag Admirer coachloverer's Avatar
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    Default Re: Do you spend beyond your means?

    It seems like it's a never-ending circle sometimes. You get it out of your system, come clean, promise yourself and everyone else that it'll never happen again, then a year or two later you get that letter offering you a credit card...

  6. #51
    Bag Fan Newbie kaitlyn's Avatar
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    Default Re: Do you spend beyond your means?

    No, I don't. If I don't have the money, then I don't buy it. I'm going to be a college student in the fall and I will be working. Most of my money earned will be going to my school fees while part of it will be saved up to buy something I want. Honestly, I'm terrified of the thought of getting into debt and owning a credit card. I'd rather use cash (or a debit card) because then I know how much I have to spend. We'll see what happens in the future (because things do happen), but right now, if I don't have the cash, I don't buy it.

  7. #52
    Bag Admirer coachloverer's Avatar
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    Default Re: Do you spend beyond your means?

    Quote Originally Posted by kaitlyn View Post
    No, I don't. If I don't have the money, then I don't buy it. I'm going to be a college student in the fall and I will be working. Most of my money earned will be going to my school fees while part of it will be saved up to buy something I want. Honestly, I'm terrified of the thought of getting into debt and owning a credit card. I'd rather use cash (or a debit card) because then I know how much I have to spend. We'll see what happens in the future (because things do happen), but right now, if I don't have the cash, I don't buy it.
    Good for you Kaitlyn, that's the right way to got about it. Just make sure you stick to it. It's eay to say it when you still live at home, it's a bit different when you have to rely on youself to support you. I'm not trying to be condescending, so please don't take it that way. just be careful, and stick to your plan no matter how hard it gets.

  8. #53
    Bag Fan Newbie kaitlyn's Avatar
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    Default Re: Do you spend beyond your means?

    Quote Originally Posted by coachloverer View Post
    Good for you Kaitlyn, that's the right way to got about it. Just make sure you stick to it. It's eay to say it when you still live at home, it's a bit different when you have to rely on youself to support you. I'm not trying to be condescending, so please don't take it that way. just be careful, and stick to your plan no matter how hard it gets.
    Yeah, I'm going to try to stick to my current ways. My parents (mostly my dad) reminds me to be careful with money too and we've had talks about be laying off the spending when things get tight. The thought of debt scares me, so I'm hoping it will scare me to never go that route! There will be lessons to be made, I'm sure, as I'm still young and haven't experienced being on my own yet!

  9. #54
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Do you spend beyond your means?

    LOL! I know that feeling. Being young and lessons to be made, I mean. Yep... wasn't going to get into debt. Then I ran away with Mr BRS (not Mr BRS yet back then) and all that stuff went out the window.

  10. #55
    Bag Fan Newbie kaitlyn's Avatar
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    Default Re: Do you spend beyond your means?

    Oh, ouch, I'm sorry to hear that. :/ I hope things are getting better for you! But you can't live a life without lessons, even the harsh ones. Otherwise there would be nothing to learn and we would be living in a perfect world!

  11. #56
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Do you spend beyond your means?

    It's only better now because I have learned to accept it. There's no chance of me getting out of debt anytime soon, not with all those student loans I have floating around out there. Thank god I don't have to pay on them at the moment, but I dread the day I will!

  12. #57
    Bag Fan Newbie kaitlyn's Avatar
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    Default Re: Do you spend beyond your means?

    Aww... Many hugs for you, boysRsmelly!

  13. #58
    Bag Admirer baglver's Avatar
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    Default Re: Do you spend beyond your means?

    NEVER spend beyond my means. Only pay cash for "luxury" items.

  14. #59
    Bag Admirer coachloverer's Avatar
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    Default Re: Do you spend beyond your means?

    The trouble is, they (the credit cards companies, banks, loan companies, loan sharks, whatever you wanna call them) make it too bloody easy for you. Every where you go, it's advertised. They're throwing it in your face whether you're watching TV, reading a magazine, driving past an advertisment, listening to the radio. Even every single store you go in now seem to say once you get to checkout "would you like to save 10% today by applying for our store card? you get..."
    If you have little in the way of personal responsibility, and more than a little impulsiveness, it's so easy to say "why the heck not?" I've been wanting that skirt, cardigan, bag for ages, this way I can afford it" For someone like me, it's not easy to say 'no.' I know it's wrong, but I've done it anyway. Well, actually, that's changed now, my marriage is on the line BECAUSE of this exact problem, and I'm not willing to lose my husband, whom I love very much, through one more stupid mistake.
    Well done Kaitlyn, stick to your guns.
    boysRsmelly, you will get your debt sorted out and payed off, but it takes time. Just try not to get into a habit of get out of debt, then run it up. Get out of debt, then run it up. I'm here if you want to talk or just vent. Good luck!

  15. #60
    Bag Admirer coachloverer's Avatar
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    Default Re: Do you spend beyond your means?

    Off topic. unsubscribing to thread emails.

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