It's so expensive to live life these ...

It's so expensive to live life these days!!

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damn

Sellersville, PA

#1 Sep 23, 2012
I hear couples complain about bills trying being single it's 100 times worse. Us single people don't have someone to back us up when we get low with money or lose a job. Couples have it easy!

You have to be in a relationship or married just to make it in life anymore. I don't know how people can afford to have kids I'm so glad I don't have any. It costs hundreds of thousands of dollars to raise a child to age 18. Where do these people get all that money that have multiple kids, house payments, and money to take care of themselves??!!

That's when I think it's real bad I think thank god I don't have kids it could be worse! but I still have lots of bills like everyone else
Trust Me

Newtown Square, PA

#2 Sep 23, 2012
There are ways to keep expenses down.

Nix the expensive cell phone/smartphone plan. If you really need to have one, you can get a pay as you go type, or a non contract phone for about $35/month, but it's just a basic phone; no iPhone or Android.

Kill the cable bill and just keep the internet. If you want to watch TV shows, Hulu and Netflix are cheaper than a monthly cable bill and most networks stream their shows on their websites too.

Don't eat out all the time. Cook you own food. It's healthier and less expensive, plus, if you save coupons, you can really save $$$.

If you have to get a car, buy a used one. Let some other schmuck take the depreciation on it and pick up a low mileage car off lease. If you don't mind shopping around and maybe traveling some distance, buy a slightly older car and pay cash. Even if you put $1k or so in repairs each year, it's still a hell of a lot cheaper than paying a $500/month car payment.

You could easily save a few hundred a month like this. I know a few people who do this, either because they have a limited income, or they are just stingy to begin with!
Lehigh County Resident

Philadelphia, PA

#4 Sep 24, 2012
Not stating that you have a tatoo, but I am tired of hearing the younger generation complain about finances, yet they have $500 worth of tatoos.
Agree

Newtown Square, PA

#5 Sep 24, 2012
Lehigh County Resident wrote:
Not stating that you have a tatoo, but I am tired of hearing the younger generation complain about finances, yet they have $500 worth of tatoos.
They are also the same crowd that made up the Occupy movement; complaining they have no money, but have no problem sending tweets on their smartphones and drinking Starbucks by the gallon!

There's another way to save money: Stop going to Starbucks/Wawa/etc for coffee. You can buy a decent coffeemaker for under $50, a coffee grinder for about $20, and whatever type of coffee you like in bean form and grind your own.

Do it the night before, set the coffeemaker on a timer, and when you get up the next morning, your place will smell just like a coffee shop. It's also cheaper than buying $5 lattes every day!

And don't forget the International Delight!
damn

Sellersville, PA

#6 Sep 24, 2012
Lehigh County Resident wrote:
Not stating that you have a tatoo, but I am tired of hearing the younger generation complain about finances, yet they have $500 worth of tatoos.
How do you know I'm young? I'm in my 30s and I don't have any tattoos I'm not a sheep.
damn

Sellersville, PA

#7 Sep 24, 2012
Agree wrote:
<quoted text>
They are also the same crowd that made up the Occupy movement; complaining they have no money, but have no problem sending tweets on their smartphones and drinking Starbucks by the gallon!
There's another way to save money: Stop going to Starbucks/Wawa/etc for coffee. You can buy a decent coffeemaker for under $50, a coffee grinder for about $20, and whatever type of coffee you like in bean form and grind your own.
Do it the night before, set the coffeemaker on a timer, and when you get up the next morning, your place will smell just like a coffee shop. It's also cheaper than buying $5 lattes every day!
And don't forget the International Delight!
I don't drink coffee, my "smart" phone was $50 on sale and costs me 35-45 a month. I haven't been to a restaurant in many months and hardly ever eat out. I have a 800 dollar used car I had for 6 years now that I put a couple thousand dollars of repairs into myself. I'm extrememly handy and can fix anything. If I wasn't I would be royally f'ed.

I don't have a spouse to back me up when times are tough. I choose to be single women are too much drama these days.
Hey

Newtown Square, PA

#8 Sep 24, 2012
You posted the topic and were given suggestions.

If you are low income, you could go for job/career training to land a better job.

http://www.paworkforce.state.pa.us/portal/ser...
damn

Sellersville, PA

#9 Sep 24, 2012
Hey wrote:
You posted the topic and were given suggestions.
If you are low income, you could go for job/career training to land a better job.
http://www.paworkforce.state.pa.us/portal/ser...
Nobody asked for suggestions it's a true statement everything is expensive. If you need job training follow your own link.
damn

Sellersville, PA

#10 Sep 24, 2012
Agree wrote:
<quoted text>
They are also the same crowd that made up the Occupy movement; complaining they have no money, but have no problem sending tweets on their smartphones and drinking Starbucks by the gallon!
There's another way to save money: Stop going to Starbucks/Wawa/etc for coffee. You can buy a decent coffeemaker for under $50, a coffee grinder for about $20, and whatever type of coffee you like in bean form and grind your own.
Do it the night before, set the coffeemaker on a timer, and when you get up the next morning, your place will smell just like a coffee shop. It's also cheaper than buying $5 lattes every day!
And don't forget the International Delight!
Same with people who complain about gas prices. They sit in line at the Giant to save .30 cents a gallon then shoot over across the street and drop $20+ on all the fast food.
lol

Broomall, PA

#11 Sep 24, 2012
damn wrote:
<quoted text>
Same with people who complain about gas prices. They sit in line at the Giant to save .30 cents a gallon then shoot over across the street and drop $20+ on all the fast food.
I use Giant gas points. Right now I have $3.40 off a gallon and my husbands truck takes 30 gallons to fill. There is a way to make the gas points work for you.
However, that's not the point. I agree with you, the cost of food, gas, basics has risen steadily for years and most peoples income has not kept up. Meanwhile, most companies are chipping away at employees health benefits so they are paying more out of their paychecks.
My house is paid off, my cars are paid for and I often wonder how young families are making it.
Inquiring Mind

North Wales, PA

#12 Sep 24, 2012
lol wrote:
<quoted text>
I use Giant gas points. Right now I have $3.40 off a gallon and my husbands truck takes 30 gallons to fill. There is a way to make the gas points work for you.
However, that's not the point. I agree with you, the cost of food, gas, basics has risen steadily for years and most peoples income has not kept up. Meanwhile, most companies are chipping away at employees health benefits so they are paying more out of their paychecks.
My house is paid off, my cars are paid for and I often wonder how young families are making it.
Companies are not "chipping away" at employees' health benefits. The premiums are going up as much as 25% per year and coverage for a family of four now costs as much as a new Mercedes lease. Obamacare will make it worse.

Small businesses can't afford to absorb these increases because prices on their products can't be increased or they will go out of business and everyone will lose their jobs. You can't complain about high prices for consumer goods and at the same time expect companies to pay 100% of an employee's healthcare and big salary increases in this economy. Small businesses are suffering under repressive taxes and regulations, and Obama wants to increase their taxes even more.

Punishing small business owners with higher taxes will prevent job creation as well as increases in wages and benefits. The money has to come from somewhere and many small businesses are barely hanging on. Look at the number of stores in Q'town, some that have been here a long time - many of them are for sale or shuttered.
Try This

Corpus Christi, TX

#13 Sep 24, 2012
First of all, my health benefits at work have decreased and the cost of same has increased. They say that so many people need jobs that they can take away the good insurance and we won't leave over it. They're right. We can't afford to.

If we want things to improve, and it takes longer than "overnight", we ourselves must quit buying junk from China!!

I just bought a Dodge that's made in USA and I look for that label on everything. You really have to beware on food. The companies try to get around saying China, by just putting "packaged in U.S"
Hey

Newtown Square, PA

#14 Sep 24, 2012
damn wrote:
<quoted text>
Nobody asked for suggestions it's a true statement everything is expensive. If you need job training follow your own link.
YOU asked: " Where do these people get all that money that have multiple kids, house payments, and money to take care of themselves??"

So, in response, people were offering ways that people with kids and mortgages get by in a tough economy.

From your original post, it sounds like things are tight for you. What's wrong with pointing another person in the direction that might land you a higher paying position, thus giving you some breathing room?

We are only trying to help because we're all in this mess together.
smiley

Sunbury, PA

#15 Sep 24, 2012
damn wrote:
<quoted text>
I don't drink coffee, my "smart" phone was $50 on sale and costs me 35-45 a month. I haven't been to a restaurant in many months and hardly ever eat out. I have a 800 dollar used car I had for 6 years now that I put a couple thousand dollars of repairs into myself. I'm extrememly handy and can fix anything. If I wasn't I would be royally f'ed.
I don't have a spouse to back me up when times are tough. I choose to be single women are too much drama these days.
They dont get it. Single folks are footing the bills alone.

Its smart of you not to shack up with some female.

I can only suggest that maybe you use your skills of being handy to bring yourself in some xtra cash. You never know where a sideline can lead to!
It might be your ticket to financial freedom!!
Inquiring Mind

Quakertown, PA

#16 Sep 24, 2012
Try This wrote:
First of all, my health benefits at work have decreased and the cost of same has increased. They say that so many people need jobs that they can take away the good insurance and we won't leave over it. They're right. We can't afford to.

If we want things to improve, and it takes longer than "overnight", we ourselves must quit buying junk from China!!

I just bought a Dodge that's made in USA and I look for that label on everything. You really have to beware on food. The companies try to get around saying China, by just putting "packaged in U.S"
You don't say the year of your Dodge, but just in case you don't know, Dodge (Chrysler) is now owned by Fiat, an Italian company. Previously, it had been owned by Daimler (Mercedes Benz), a German company, before being sold back to US investors a few years ago. Very few cars are now entirely built in the US. Ford and GM both have plants in Mexico and Canada. Buying USA made only is next to impossible today, but it's good to do it when you can and don't mind paying more.
smiley

Sunbury, PA

#17 Sep 24, 2012
Hey wrote:
<quoted text>
YOU asked: " Where do these people get all that money that have multiple kids, house payments, and money to take care of themselves??"
So, in response, people were offering ways that people with kids and mortgages get by in a tough economy.
From your original post, it sounds like things are tight for you. What's wrong with pointing another person in the direction that might land you a higher paying position, thus giving you some breathing room?
We are only trying to help because we're all in this mess together.
I know a guy who is has 5 kids, shacks up with the baby mommy of his 5 kids, drives a NEWER volvo SUV(needs one to haul all those babies around)...takes a vacation to FL every yr, dines out on the weekends and some weekdays, is in debt for a home equity loan which they blew on some things for the home with the rest of it spent of junk.

The "female" doesnt work, doesnt drive, refuse to look for work or drive...
they get an 8000k tax refund every year!
She Took an online college course..paid for entirely by the good ole taxpayers..
she never completed the course, but she did manage to get a FREE laptop out of the deal plus she stuck the college and spent some of the tuition money on herself...
They qualify for all sorts of bennies...
Free oil, food stamps, and she and the kiddies are on medicaid,(she claimed depression and she is on medicaid with all bills paid including her Dental) WIC, and the one boy is being treated supposedly for ADHD. He receives 2 free meals day at the school, as do all her school age kids...
Oh and they Do NOT Rent. Of course its a row home, but a rather large one....
but still they do own a home....
BTW, the sperm donor daddy...
he makes approx 24k a yr clear!!

My they must sure know how to manage their money!
geez

Broomall, PA

#18 Sep 24, 2012
smiley wrote:
<quoted text>
I know a guy who is has 5 kids, shacks up with the baby mommy of his 5 kids, drives a NEWER volvo SUV(needs one to haul all those babies around)...takes a vacation to FL every yr, dines out on the weekends and some weekdays, is in debt for a home equity loan which they blew on some things for the home with the rest of it spent of junk.
The "female" doesnt work, doesnt drive, refuse to look for work or drive...
they get an 8000k tax refund every year!
She Took an online college course..paid for entirely by the good ole taxpayers..
she never completed the course, but she did manage to get a FREE laptop out of the deal plus she stuck the college and spent some of the tuition money on herself...
They qualify for all sorts of bennies...
Free oil, food stamps, and she and the kiddies are on medicaid,(she claimed depression and she is on medicaid with all bills paid including her Dental) WIC, and the one boy is being treated supposedly for ADHD. He receives 2 free meals day at the school, as do all her school age kids...
Oh and they Do NOT Rent. Of course its a row home, but a rather large one....
but still they do own a home....
BTW, the sperm donor daddy...
he makes approx 24k a yr clear!!
My they must sure know how to manage their money!
You are sooooooooo off topic. Stop beating your never ending drum against the same thing. This thread is about decent, hard working people sharing ideas on how to cope with this tough economy. shuppad you nasty judgmental beotch.
bethwhistler

Broomall, PA

#19 Sep 24, 2012
damn wrote:
I hear couples complain about bills trying being single it's 100 times worse. Us single people don't have someone to back us up when we get low with money or lose a job. Couples have it easy!
You have to be in a relationship or married just to make it in life anymore. I don't know how people can afford to have kids I'm so glad I don't have any. It costs hundreds of thousands of dollars to raise a child to age 18. Where do these people get all that money that have multiple kids, house payments, and money to take care of themselves??!!
That's when I think it's real bad I think thank god I don't have kids it could be worse! but I still have lots of bills like everyone else
If things get worse, buy some camping gear and move someplace that stays warm all year. A lot of people are shedding all their useless stuff and going mobile. For a singlr guy like you, it might be just the ticket.
lol

Broomall, PA

#20 Sep 24, 2012
Inquiring Mind wrote:
<quoted text>
Companies are not "chipping away" at employees' health benefits. The premiums are going up as much as 25% per year and coverage for a family of four now costs as much as a new Mercedes lease. Obamacare will make it worse.
Small businesses can't afford to absorb these increases because prices on their products can't be increased or they will go out of business and everyone will lose their jobs. You can't complain about high prices for consumer goods and at the same time expect companies to pay 100% of an employee's healthcare and big salary increases in this economy. Small businesses are suffering under repressive taxes and regulations, and Obama wants to increase their taxes even more.
Punishing small business owners with higher taxes will prevent job creation as well as increases in wages and benefits. The money has to come from somewhere and many small businesses are barely hanging on. Look at the number of stores in Q'town, some that have been here a long time - many of them are for sale or shuttered.
Nobody is talking about small business. I was referring to big business where the top CEO's are paid mega millions. Cut the fat there, not on the middle class people. Your posts come across as very condescending and out of touch. Sorry, not meant as an insult, just an observation.
Inquiring Mind

Quakertown, PA

#21 Sep 24, 2012
lol wrote:
<quoted text>Nobody is talking about small business. I was referring to big business where the top CEO's are paid mega millions. Cut the fat there, not on the middle class people. Your posts come across as very condescending and out of touch. Sorry, not meant as an insult, just an observation.
Sorry if you think I sound condescending, but I am a business owner and am more in touch than most when it comes to the financial realities of running any business, big or small.

It's easy for employees to blame companies for being greedy, while overlooking greedy unions, strangling govt regulations, high taxes and insurance. Greedy CEOs exist, but there are not that many making "megamillions."

Employee benefits are a huge expense for business and why GM and many other pillars of US mfg went under because they lost their ability to compete. As a percentage of costs, CEO compensation is very small compared to defined pension and benefit commitments.

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