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How careful are you with your money?

Discussion in 'General Discussion' started by cpvr, Apr 21, 2012.

  1. cpvr
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    cpvr Owner and Founder Administrator

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    Back when I used to work a 12 hour shift job, I used to be able to budget my money depending on how many hours I would work and things like that.

    I find it easier to save money when you don't have access to the funds. XDDD


    How about you though? Do you spend money freely or do you save a lot of your money? I know I'll be saving a bit of money to go on a vacation with my girl-friend in August since it'll be our one year anniversary.
    join misticpets, support vpl
  2. Earth
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    Earth Approved Artist Junior Programmer Approved Artist Pet Game Owner VPL Supporter VPL Member

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    @cpvr Spend, spend, spend. I used to have a lot of disposable income (around £1300/$2096 a month) so spent it on junk. I wish i was into site development then. I bought a house two years ago so dont have as much now.
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  3. cpvr
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    cpvr Owner and Founder Administrator

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    Well, having a house is such an accomplishment. My girlfriend wants to get her own apartment[both of us], but its not feasible right now because there's so much crap that needs to be paid. =X Have you ever thought about buying land - building houses, and profiting from that? I want to do it one day[well, the buying of land, and possibly building]
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  4. Toxic Rainbow Kisses
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    Toxic Rainbow Kisses Approved Artist Approved Artist VPL Member

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    I usually spend money, when I can.
    I always pay bills first, then move on to things I need, then things I want (If I have it)
  5. Earth
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    Earth Approved Artist Junior Programmer Approved Artist Pet Game Owner VPL Supporter VPL Member

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    @cpvr
    I would love to buy property however you need such a high deposit at the moment, it wouldn't be possible at this time. The housing market is a good time to buy though as houses plummeted a few years back and havent really risen since. I bought mine at just the right time however paid more than we should have as we really wanted the house. Do you think you would give renting a go first or buy straight off? I know someone who's trying renting first but I think its more to do with seeing how living with his partner goes before committing to a mortgage.
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  6. cpvr
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    cpvr Owner and Founder Administrator

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    Well, I'm not really sure. I know someone bought a house across the street from us and they're trying to rent it out for $2200 to $2400. I'm not sure how much their mortgage could be though. I guess they bought it and no longer want to live it in. I think though if you buy the house - and own it, everything is paid off, then renting could be another way to bring some income into the household, ya know?
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  7. Earth
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    Earth Approved Artist Junior Programmer Approved Artist Pet Game Owner VPL Supporter VPL Member

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    A work colleague does that. He has a large number of properties rented out that he has accumulated over the years. He has paid most off and when he buys a new one, the old ones rent money pais off the new mortgage. I believe he has spare money and will obviously be able to sell up at some point :)
  8. cpvr
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    cpvr Owner and Founder Administrator

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    Wow, that's amazing though. I wish I could do it like him though. The thing that sucks though is when things go wrong, you have to fix them and such. Unless you tell your renters that everything is on them. I'd love to have spare money where I could go anywhere and still have a ton of money leftover lol. That's the life.
  9. Earth
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    Winning the lottery would be good then :) Im looking at getting married next year (December 4th woop) then move into a bigger house, then have a kid or two then look into property development once everything has settled down. Im 23 now so hope to get everything settled by the time im 30-35 :) Do you have any long term plans?
  10. cpvr
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    cpvr Owner and Founder Administrator

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    I was once married as well. I'll finally be divorced in June. Gotta love how long the court systems take to process paperwork. That's sound good to me. I want another child in a few years - after I'm stabled money-wise and everything else. I'm only 22 so I still have a lot of living to do. I had my first child when I was 18. She's 4 now. Time flies so much though. I'm not really sure as to what my long term plans are really. I haven't really thought that much about it.

    I want to get my own house though one day. Something I can look at it and in the future say to myself "Damn, we worked hard for that!". We're still living with my parents so really the only goal is to get out on our own. I'm kind of scared to do that though because of all the problems I've had medically and everything else.

    I'm hoping by 25-29, I have my second child, but we'll see.
  11. Earth
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    Earth Approved Artist Junior Programmer Approved Artist Pet Game Owner VPL Supporter VPL Member

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    I wish you all the luck in sorting your finances out :) Im hoping to open a site soon to get a bit more money in but anticipate more going out lol
  12. cpvr
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    Thanks. It'll be sorted out one day ^.^ We just need to catch up, get the car insurance, and get the car's timing belt fixed. It sucks that we just dropped a lot of money to get the car out, and now have to get the timing belt replaced, but after that, I see everything as being good for the long run. How's your site coming along though? I don't think you've told me about it yet!
    ;)
  13. Earth
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    PMed :D
  14. Ruizu
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    I very rarely save my money, but now I'm in university it gives me a chance of being more careful with my money. Buuut I still have a few bad habits when it comes to shopping in such places as Blue Banana and Topshop, and most online alternative clothing stores XD
  15. cpvr
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    cpvr Owner and Founder Administrator

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    Shopping seems a money killer these days. =P Ya, I have a few bad habits as well. I'm not sure when I'll be giving them up though.
  16. Dragonstone
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    @cpvr, a fairly good idea for you if you want to move out is to look into buying/renting homes that are foreclosed. I know in my area for a 3 or 4 bedroom town home in the city costs like $12k. It's not beat up or anything, the area isn't the best but that's due to a high poverty rate but still, a house is a house as long as the living conditions are tolerable.
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  17. cpvr
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    That's a really good idea but my credit has been totally fucked for about two years now. We're looking to go to a store and buy a new tv under my girlfriend's name so we can start building up her credit so we could do something like this, and also, buy a leased car or something.

    I don't have any problems living anywhere. I can tolerate any living conditions, even they're in a bad neighborhood. :)
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  18. Dragonstone
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    Dragonstone New Member VPL Member

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    Try Rent-a-Center, I'm pretty sure you can build credit through that but I'm not sure
  19. cpvr
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    That's another thing we could use, thank you so much. Is Wal Mart pretty tough on new credit applications, or are they easy?
  20. Dragonstone
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    Dragonstone New Member VPL Member

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    I'm pretty sure its fairly at Walmart but I'm not to positive. The thing thats cool about rent-a-center though is you can start off with something small (like rent a game console for $10/wk) and it'll help. I'm pretty sure they're also pretty lenient with your budget.
    cpvr likes this.
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