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Author Topic: How Do You Spend Your Cash?
audra trower williams
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posted 16 April 2001 03:34 PM      Profile for audra trower williams   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
If no one had ever invented purses and CD's, I think I would be a millionaire. What is your relationship with money? Does it seem to disappear, or do you know where every penny goes?
From: And I'm a look you in the eye for every bar of the chorus | Registered: Apr 2001  |  IP: Logged
penelope
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posted 16 April 2001 03:54 PM      Profile for penelope   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
if I'm saving for something, I can be thrifty as my folks (and they are THRIFTY). if there are no immediate pressing concerns, I tend to let it go, on cds and books and clothes and taking my friends out, etc. I like my moneymanaging skills; I feel like they're effective when I need them to be, but I can erase them if I'm comfortable enough. I never get too uptight about money, except when I all of a sudden realize that I'm moving to nova scotia next year and dammit, I'd better be able to eat while I'm there. a. ha.
From: With audra! I'm the luckiest! | Registered: Apr 2001  |  IP: Logged
emily
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posted 16 April 2001 04:45 PM      Profile for emily     Send New Private Message      Edit/Delete Post  Reply With Quote 
I used to be really bad with managing my money. As in, it wasn't managed at all. It just seemed to slip away on cd's and books. I've gotten a lot better with it lately, though. Now most of my money has gone to tuition, groceries, and my savings account. I allow myself a little treat everyonce in a while, although sometimes it's really hard to control the urge to just keep buying things.
From: the t-dot o-dot. | Registered: Apr 2001  |  IP: Logged
spad
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posted 16 April 2001 06:03 PM      Profile for spad   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
money management skills....now that is a concept i am unfamiliar with. is it wrong to let your money manage you?

wrong. no.
stupid. yes, occasionally.

i am irresponsible with my money. completely. and yet, it seems to be the way have chosen to live. i think that i could change.

should i? i don't know. i am happy.


From: Vancouver | Registered: Apr 2001  |  IP: Logged
Anne
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posted 16 April 2001 07:59 PM      Profile for Anne     Send New Private Message      Edit/Delete Post  Reply With Quote 
Oh my goodness, I'm so bad with my money. Or, I used to be. It used to just disappear and I'd have no idea where it went or when it went. It was so bad, someone stole $130 from me in September and I didn't notice until March. Now, I'm a bit more on the ball about these things. I write out my budget and count every penny, and I'm feeling so much better about everything. I also don't end up living on $3 for the last week of the month anymore.
From: Montreal | Registered: Apr 2001  |  IP: Logged
Jesse Hirsh
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posted 16 April 2001 09:35 PM      Profile for Jesse Hirsh   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
it's all about ripping stuff off. like mp3. i haven't bought a cd in like 6 years, and yet i listen to any music i like. i've also never paid for internet access, computers, and whenever and wherever possible look for free food.
From: Dovercourt Park, Toronto | Registered: Apr 2001  |  IP: Logged
David
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posted 16 April 2001 11:54 PM      Profile for David   Author's Homepage        Edit/Delete Post  Reply With Quote 
I've been working full time for a year now, and I can't believe how much money I have available. I spend most of it on food...I eat very well, but I do have a lot just floating around. So, I've decided to return to school part-time...please don't tell Canada Student Loan that I think I have so much money floating around.
From: Moncton, NB | Registered: Apr 2001  |  IP: Logged
Gayle
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posted 17 April 2001 10:09 AM      Profile for Gayle   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
I'm with David. Going from being dirt-poor to having a big-ass paycheck makes you want to spend it all. And for the first year, I did.

Now, however, I've started an RRSP, opened a second savings account I simply can't access with my bank-debit card (my weakness), and trying not to make as many shopping trips to Halifax


From: Cape Breton, Nova Scotia | Registered: Apr 2001  |  IP: Logged
carrot
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posted 17 April 2001 07:39 PM      Profile for carrot     Send New Private Message      Edit/Delete Post  Reply With Quote 
I spend far too much money on CDs, but I can usually justify it to myself because they're usually classical music, so I can say that I'm enriching myself. Just not my wallet.
From: Oakville, ON | Registered: Apr 2001  |  IP: Logged
Dustmite
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posted 18 April 2001 11:08 AM      Profile for Dustmite     Send New Private Message      Edit/Delete Post  Reply With Quote 
Drop some change into the hands of the hungry.
From: Toronto | Registered: Apr 2001  |  IP: Logged
idlewild
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posted 18 April 2001 04:41 PM      Profile for idlewild   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
I have successfully broken myself of the handbag purchasing habit. I still drool all over them in stores, of course, but I don't buy them anymore.

CDs & books are a whole other story. I've managed to cut back significantly on CD shopping, but I should really just break down and subscribe to People already, but I keep telling myself that if I don't subscribe, then it doesn't count when I buy it nearly every week at the supermarket.

I'm also ridiculous with used bookstores. Somehow it doesn't count if I'm not paying full price.


From: Toronto | Registered: Apr 2001  |  IP: Logged
Anna
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posted 22 April 2001 11:57 AM      Profile for Anna     Send New Private Message      Edit/Delete Post  Reply With Quote 
Oh man, I do the used bookstore thing too. And like others said, handbags (what is up with this handbagness?), cds, and concerts. It is bad.

Only time I feel like I'm not being irresponsible in spending lots of cash is for a trip. Saving up for them also tends to be the only way to curb my reckless spending.


From: Montreal | Registered: Apr 2001  |  IP: Logged
Pimji
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posted 05 May 2001 09:45 AM      Profile for Pimji   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
I just discovered a real money saver for motorists. Buy the Haines Repair and Maintenance Manual. Cost for your vehicle. Cost $20.00.
I took my car into a garage for a brake check up. The bill would have been $190. To change the front brake pads, machine the disks and various other assorted charges. I consulted co-workers who have done their own car repairs after telling the garage to wait before going ahead with the repair. Disks don’t need to be machined every time the pads are replaced; this just makes them thinner faster so eventually they will have to replace those too. Very expensive. I consulted the manual and went to an auto supply shop and bought a pair of brake pads for $17 and a tube of anti squeal agent $7.00. Jacked up the car and did my own break pad replacement. It took 1 hour for both brakes and off I went.
Canadian Tire is the worst for over charging and replacing parts that don’t need to be replaced.

From: South of Ottawa | Registered: Apr 2001  |  IP: Logged
Victor Von Mediaboy
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posted 10 May 2001 03:32 PM      Profile for Victor Von Mediaboy   Author's Homepage        Edit/Delete Post  Reply With Quote 
Agreed! My trunk latch was broken. Canadian Tire wanted a lot of money to repair it. All it needed was a little spring that had broken. I didn't even have to go to an auto-supply shop to get a replacement spring. I found one in the hardware department that did the job just as well.

I don't think we are taught how to improvise very well. We always seem to look for the pre-packaged solution, when a more general solution will work just as well.


From: A thread has merit only if I post to it. So sayeth VVMB! | Registered: May 2001  |  IP: Logged
Michelle
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posted 25 May 2001 10:07 AM      Profile for Michelle   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
It's funny, I've never been one to buy a lot of handbags. Oh well. I sometimes get into debt on my VISA, but I usually pay off the whole sum at the end of the month. My problem is my bank card. Direct payment should be banned. $20 from the bank machine here, $40 there, direct payment at the drug store to pay for necessities (like over-counter medication) with a magazine thrown in...well, you know how it goes. Suddenly the bank balance is NOT what it used to be!

My specific vices are books, stationary, kitchen items, and household items that are completely unnecessary but make me feel SO good.

Another terrible temptation - internet shopping! I haven't done much of that - but I'm always tempted. Usually the shipping prices dissuade me. Does anyone shop on the internet regularly? I just subscribed to Adbusters magazine over the internet with my VISA, and I bought a book one time from Indigo. What do you folks buy on the net?

[ May 25, 2001: Message edited by: Michelle ]


From: I've got a fever, and the only prescription is more cowbell. | Registered: May 2001  |  IP: Logged
Victor Von Mediaboy
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posted 25 May 2001 10:49 AM      Profile for Victor Von Mediaboy   Author's Homepage        Edit/Delete Post  Reply With Quote 
I buy the vast majority of my clothing from sears.ca. They have really cheap stuff in the Outlet Store section of their site.

I buy a fair number of books from chapters.ca.

I was an eBay addict for a while there. You just can't find classic video games or Empire Strikes Back curtains anywhere else.

I might start buying groceries on-line, if the local on-line grocer starts carrying more vegetarian food.


From: A thread has merit only if I post to it. So sayeth VVMB! | Registered: May 2001  |  IP: Logged
DrConway
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posted 25 May 2001 12:35 PM      Profile for DrConway     Send New Private Message      Edit/Delete Post  Reply With Quote 
I'm a computer geek, so most of my money ends up in the 'puter and related peripherals.

Spending is something that's too much of a habit for me, I agree. Money does tend to slip out of my bank account like sand through my fingers.

But I have an RRSP!


From: You shall not side with the great against the powerless. | Registered: May 2001  |  IP: Logged
clersal
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posted 25 May 2001 01:12 PM      Profile for clersal     Send New Private Message      Edit/Delete Post  Reply With Quote 
Faster than it comes in. I really think money is a lousy form of exchange.
From: Canton Marchand, Québec | Registered: Apr 2001  |  IP: Logged
LEX
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posted 25 May 2001 01:35 PM      Profile for LEX     Send New Private Message      Edit/Delete Post  Reply With Quote 
What might be a form of exchange better than money?


From: Toronto On | Registered: Apr 2001  |  IP: Logged
verbatim
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posted 25 May 2001 01:50 PM      Profile for verbatim   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Energy.
From: The People's Republic of Cook Street | Registered: May 2001  |  IP: Logged
NP
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posted 25 May 2001 02:01 PM      Profile for NP   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 

[ 25 October 2007: Message edited by: NP ]


From: The city that rhymes with fun | Registered: Apr 2001  |  IP: Logged
DrConway
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posted 25 May 2001 02:48 PM      Profile for DrConway     Send New Private Message      Edit/Delete Post  Reply With Quote 
VerbaTim: You heard anything about Technocracy?

Technocracy URL

They want to transform all North America into a "technate" with energy units as the basic currency.

Kind of far-fetched, but makes for good reading, IMHO.


From: You shall not side with the great against the powerless. | Registered: May 2001  |  IP: Logged
clersal
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posted 25 May 2001 04:17 PM      Profile for clersal     Send New Private Message      Edit/Delete Post  Reply With Quote 
A better form of exchange than money? Something tangible.Work, trade, whatever. The million dollars on the deserted island has always convinced me that money is not a good form of exchange.

From: Canton Marchand, Québec | Registered: Apr 2001  |  IP: Logged
Trisha
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posted 25 May 2001 05:25 PM      Profile for Trisha     Send New Private Message      Edit/Delete Post  Reply With Quote 
Some low income groups in my town are using trade (services, goods, etc.) to help each other out. It is working pretty well with the bunch I trade with. Community kitchens and the like help too, especially for singles and single parents. It sure beats doing without something you really need, and it leaves some cash for an occasional irrational purchase.
From: Thunder Bay, Ontario | Registered: Apr 2001  |  IP: Logged
Michelle
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posted 25 May 2001 10:52 PM      Profile for Michelle   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
I'm so glad that bartering got brought up. Apparently in Toronto there is a green dollar system. I found out about it just before I moved away from Toronto to Kingston. I was wondering if anyone knows of a green dollar group around the Kingston, Ontario area (I've looked on the internet for anything on green dollars, but I seem to find nothing but the UK).
From: I've got a fever, and the only prescription is more cowbell. | Registered: May 2001  |  IP: Logged
Gayle
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posted 28 May 2001 04:18 PM      Profile for Gayle   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
I heart bartering goods and services
From: Cape Breton, Nova Scotia | Registered: Apr 2001  |  IP: Logged

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