How bad are you at money management?

steo87

I'm absolutely shít at it! One day I'll have money, the next I'd be broke. I seem to spend my money on crap that I don't need all the time.

So are you the type of person who spends and manages their money well or are you like me who just spends when he wants to on stuff he doesn't need?

martic

I was very good at managing my money but then i said "i do" at the alter and now i dont have to worry about it anymore

FreudianSlippers

Not bad at all.

TeddyTedson

It's real easy when you're broke.
Apart from that, I'm usually ok anyways.:cool:

red menace

Much better now that I get paid twice a month rather than monthly

orourkeda

Great.

I have no money so don;t have to manage it.

galwayrush

I'd give myself ten out of ten, although it's pretty easy to manage next to nothing.

Jesus Wept

I find people like you very strange.

Sea Sharp

good enough.

PeterIanStaker

Not as bad as the government :cool:

djk1000

I used to earn a lot, spent it faster than I earned it.

Now I earn feck all, manage to save a bit every month.

Ironic eh?

Metallergy

at 33 i have amassed €3,300. only really coming to terms with it.. money ain't my bag but am learning to deal with it.

Steyr

Honestly I am pretty good with it, put away a bit every week, and only buy what I want.

Kimono-Girl

i used be terrible with money, but as part of my self improvement it was one of the many area's i tackled,


now im quite good at saving, i have saved quite a bit actually. i manage the income the outgoings, bills are paid in the post office the afternoon after the morning they come in the door. rent has never once been late or short, so my management i would say is quite good.

double GG

On a scale from KfW (Germany) to AIB, I'd be in the middle.

goat2

i would be far better than the bankers of our country,

kearney13

I'm terrible with my money, I can never organise it but sure I wouldn't organise a session in a brewery

we'llallhavetea_old

brutal, cannot keep money at all, like a magpie for shiny things, have to have them. no savings, i swear i'll start next week.

starlit

I'm good at minding my money and spending it wisely. I'm good to save though. I don't buy things on impulse like I used to. I think about it, do I want, what will I use it for or do I really need it etc. I think before I buy. I budget my money as best I can but I can be a terror of organising my money when it comes to handling cash or when I have it in my purse wouldn't have a clue how much I have on hand yet I'd calculate roughly what I need for a certain amount of purchases I'd buy in bulk in a shop. I can be terrible in counting change/cash too sometimes and miscalculate what I owe or give the wrong change until the check out tells me I gave the wrong or too little or too much euro coins or something. I have a set a amount of money on me always but never know exactly how much. I could be broke before I realise or realise I didn't spend a penny. One major thing is I could easily loose my money! I can loose things very easily without realising and find it hard to keep track of things like that sometimes. Mis-mangement is my middle name!

bonerm

I'm terrible with money. I don't have a mortgage or any loans, don't gamble, smoke or drink and pay my credit card off 100% every month. Basically I missed the memo about becoming a wage slave for life and as a result I'm not doing my bit to perpetuate the economic myth that exists in the west.

Pablo_

I get a wierd impulse to rid myself of any money i have .... i go from week to week just getting my few bob and then blowing it. I don't buy anything. If i have anything, i'll go down to my local and spend until i'm broke ... then wake up and do it again and again. i'm 28!!

I am then angry i don't have a car or any clothes or any money to base a future on. Its all on drink i think. But if i get thru a week and have maybe 300 euro, i'll think i'm a billionaire, buy drinks for everyone and then be broke in a week.

saywhatyousee

Pablo_ wrote: »

I get a wierd impulse to rid myself of any money i have .... i go from week to week just getting my few bob and then blowing it. I don't buy anything. If i have anything, i'll go down to my local and spend until i'm broke ... then wake up and do it again and again. i'm 28!!

I am then angry i don't have a car or any clothes or any money to base a future on. Its all on drink i think. But if i get thru a week and have maybe 300 euro, i'll think i'm a billionaire, buy drinks for everyone and then be broke in a week.

same here i am always the gob****e that buys drink for everyone in the pub for no reason,then wake up the next day and complain i am broke..i'll never learn:rolleyes:

wonderfulname

I'm fantastic at spending well, not remotely good at saving, haven't had money sit in my a/c longer than a month since I was in primary school.

dcfc

I'm rubbish at it!!! Wish I could get paid weekly!

Cavehill Red

steo87 wrote: »

I'm absolutely shít at it! One day I'll have money, the next I'd be broke. I seem to spend my money on crap that I don't need all the time.

So are you the type of person who spends and manages their money well or are you like me who just spends when he wants to on stuff he doesn't need?

Lad, the government just spectacularly bankrupted the country. Whether you're in the public sector or not, you can't expect or rely on a pension to look after you in your old age. The current one barely covers living expenses. By the time you're in your sixties, it might get you a pint. If it even exists.

It's a pain in the swiss, but you have to get your head around budgeting. Do you remember that langer Eddie Hobbs had a programme called 'Show me the Money'? Every week there'd be some punter on it, decent job more often than not, often with a partner working too. Yet somehow they'd be up to their oxters in debt with feck all to show for all their hard work.

The remedy in every case was the same. Budget, then see what you're wasting money on, cut it out and start saving for what you really need and want.

Now, you don't need a langer with an annoying voice and a camera crew coming around your gaff every month to see if you've done your homework and changed your habits, do you? You're a big lad and you've spotted you're making a mistake. You're already halfway to correcting it.

Give google a rattle for how to manage your budget, or go out and buy a personal finance book. Eddie has one or two out there. Not the best, but you do have the fun of reading it aloud in his silly accent.

Best of luck.

Im good at it yeah

TerryTibbs!

The-Rigger wrote: »

I find people like you very strange.

Are you Jewish?

prinz

Pretty good at it. Came from a background where it was pretty scarce so I've always been careful with it tbh.

fakearms123

Being a pimp I have to manage both my money and my women so when Helga my polish bottom bitch is giving blowies down by the quays I need to know how much she is earning so I can get my cut. Do you know what I am saying?

scarymoon1

im terrible at managing money. i spend most of my wages in the first week and then by the time im due to be paid again i have none left and usually get money off my parents to keep me going. so bad - i need to manage better.

double GG

Why not pay someone else to look after your finances.

up for anything

Money evaporates and I have nothing to show for it except empty Supervalu, Lidl's, Superquinn and Dunnes bags. When we get a Tescos and Aldis is built I'll have some of their bags too.

Ash.J.Williams

just back from the bank....we are truely living in a different country than two years ago...can't buy a car let alone a house!

phill106

What is this money of which you speak of?

kelle

I have always been careful with money.

When it came to my mortgage and car loans, I lived on nothing so I could pay them off as quickly as possible to get them out of the way.

I said "no" to evey banker that "approved" me for a personal loan (without me asking) when I would be only in paying my ESB, God only knows what a mess I would be in had I been weak-willed!

However I'm finding it more difficult now as our wages have dropped substantially, and prices have gone through the roof!

nialo

money.. i get it.. i spend it.. i never seem to save it!! never seem to have enough of it! :rolleyes:

homerun_homer

I'm not bad at money management. I spend every penny of every months wage on rent, petrol and going out. Yet when I go on holidays I don't need to save for it as I have a surplus in my account which always stays around the same level.

So far I'm recession-proof.

OutlawPete

We, I feel that anyone with money management issues really deserves to have little because ..

Ah crap, in an internet cafe and just noticed twenty minutes over my hour :eek:

Carl Sagan

Generally keep what little money I have. The things I want are expensive so I usually have plenty of time to decide whether I really want it or not

starlit

Don't even have a credit card don't think its worth having it. Unless you get prepaid credit card might be easier to manage money but I prefer laser its easier and less hassle despite restrictions on where and what you can buy though.

Jesus Wept

TerryTibbs! wrote: »

Are you Jewish?

I'm Jew-ish.

tadcan

I'm not to bad at saving, when I have something to save. I pay off my expenses when the money comes in and put money away for bills. Could do much better when it comes to buying things, tend to throw money away. If I get a job I will be RICH I tell you RICH.