What do you spend your money on

What do you spend your money on

For me, I prioritize those things that I spend a lot of time with. This is one way I can massively improve my productivity and quality of life.

In Indian society, people usually spend a lot on products that are status-enhancing, and very little on things that increase productivity or convenience. People invest in gold and share markets and even degrees, but not in themselves.

I do not spend on most things that most people usually spend on. I spend very little on clothes. I spend nothing on jewelry, wristwatches or cars. I ride a second-hand honda motorbike and it is the most effective and hassle-free transport I could find. I use Uber a lot so that I can work or take calls on the go.

I grew up in a family that spent more on books than anything else. However, we were also taught to save money in every way possible.

Never buy expensive things, find the cheapest thing, and buy only that.

It was hard to unlearn that lesson. But it was important to do so if I had to grow out of those circumstances.

Sure I do not spend on a car, but during this lockdown, I spent over 18 lakhs educating myself and my top team. I didn’t even wonder what car I could buy with that money.

Along the way, there are things that I have learned are very important to spend on, because cutting back on those things causes more losses in other ways.

Opportunity costs. Missed chances. Aborted missions due to a lack of proper resources. Failed hirings. These things are expensive too.

Here are the few things on which I spend without any hesitation today.

Laptop

I spend no less than 30-40 hours a week on this device. This one has to be awesome. I prefer to work on a MacBook pro. It has increased my productivity noticeably.

My previous device was a MacBook Air. It was cheaper, and it lasted me for over 4 years without any glitch. It is still in mint condition, and someone else is now using it. But it was slow. I finally decided it was time to upgrade, and not be scared of the price tag.

What a great decision. Money well spent.

Phone

If there is a device I use more than my laptop, that is my phone. This year, I got myself the best iPhone available. It was expensive, but I know it will last me for a few years, plus it is safer for my eyes, ears. It is more secure. It is lightning fast, the battery lasts for almost two days and can charge really really fast, and I am always carrying a great camera in my pocket.

Keyboard

I spend a lot of time writing. I need to enjoy the time I spend on writing. I got myself a mechanical keyboard that is 5-6 times more expensive than the standard ones that people normally use. Even the MacBook pro-standard keyboard is nowhere nearly as good as this.

Mattress

Sleeping is critical. For health, for optimum functioning of the brain and productivity. You also spend a lot of your life in your bed. It is important to make sure that the mattress you use is of outstanding quality. I use a 8-inch thick Wakefit mattress that has three layers of foam and latex. Sleeping on this is a treat in itself.

I also use a health tracking wrist watch that tracks how many hours I slept. If I don’t track my sleep, I am prone to sleeping too less.

Health

After all, you spend a lot of time with your own body. It is very important to keep it in good shape. So I spend quite a bit on good supplements and a personal trainer. I do find some of this quite expensive, but since I have started doing this, I can see a marked difference in my performance and well being. It is like I am a different person altogether.

Education

Btw, degrees are not education.

This is one thing on which I never hesitate to invest. Spending money on education is easy, but spending time and actually learning a course I have bought is much harder though. So I focus on programs with a lot of one on one coaching, consultations and cutting edge material.

I recently paid INR 18 lakhs to an US-based internet marketing company to learn advanced concepts of internet marketing. The things that we have been learning from them, it has been mindblowing. I also have an executive coach who helps me to plan my work better and grow my business month on month.

Best things cost a lot of money!

Investing your resources in the right way is pretty much the only way to grow out of a difficult financial situation.

Here is one thing that I can tell you – I came from a very difficult financial background.

Both my parents worked basic government jobs, but there was a time when we did not have enough food, or the electricity was cut because we could not pay the bills.

In my teenage years, there was a period when I realised my parents were buying no new clothes for years for themselves, so even I refused to let them buy anything for me.

When I joined NUJS, all my parents could give me were Rs. 300 to manage my costs through the month. A phone recharge for the month used to cost Rs. 100. I had to count how many minutes I could call during the month. And I had to think twice before drinking roadside tea even.

I did my first outstation internship at Dehradun at RLEK. I ran out of money while I was there. A co-intern bought me a dozen bananas and gave me Rs. 100 when I was boarding Doon Express to Calcutta, so I could manage for the next 2 and half days the train takes to reach the Howrah station, and then get home.

Luckily I started earning money a few months down the line.

I had to work throughout college to be able to pay college fees and have a normal college life where I was able to afford buying the books I needed, traveling to big cities for internships, going for international moots or conferences.

My father had bought me a laptop in my first year, but the time I was in 4th year, it had pretty much run its course. I had to buy one for myself.

However, here is the thing. Education changed my life. Not only legal education, but also everything else I learned. Writing. Speaking. Digital marketing. Sales. Technology. Product development. Teaching.

It was education that helped me to create a vastly different financial situation for myself.

When I look back, education gave me dignity, recognition and everything else I could ask for.

But that happened only after I invested in education.

When I did not have money, I gave what I had: time, energy, efforts. I earned money and invested in my growth.

Do not hesitate to invest in yourself. If you do not have money, start small. Learn to earn a little. Do not feel bad if you start small. It will soon begin to grow if you focus relentlessly on growth.

If you have the money, then what is your excuse?

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What Do You Spend Your Money On?

A few days ago, a commenter left a question on one of my posts asking what I spend my money on. I thought it was a good question, especially since my income has seen a nice little increase during the past couple months.

While it would be fun to say that I spend it on expensive cars, Rolex’s, and other forms of bling, the truth is that the number one thing I spend my money is on is taxes. I’m a very honest and by-the-book person and therefore declare every penny I earn online. Since my income is high enough to be in the highest income tax brackets, I’m penalized with the highest tax rates. This eats up a lot of my income (nearly half) right off the bat.

When you start to earn more, the IRS or the CRA (Canadian Revenue Agency) in my case, will start wanting you to pay quarterly… in ADVANCE. They do this by basing your estimated tax income for the current year on how much you paid last year. So, I actually have to pay income tax before I even claim the money (or even receive anything!).

1. Income Tax

So, as anti-climatic as it sounds, the #1 thing my money goes towards to is income tax.

2. Mortgage & Strata

Now that I’m starting to make more, I’ll probably be putting some lump payments to pay off the principal (since mortgages are always interest-heavy).

3. Hosting & Investment into My Sites

I don’t want to really mix up my corporation and personal income, but since I’m the sole shareholder of the company I thought it would make sense to mention this.

Then there’s license purchases such as vBulletin, domain renewing, logos/design upgrades for existing sites, etc. In fact, this might be #2 instead of #3.

I like to reinvest what I earn back into my work. It only makes sense to me and I’m never scared to spend money on things that could make me more money.

4. Necessities

I spend a fair bit on food. I love food (which you may have noticed from my growing belly) and always buy name brands and the more expensive items such as sandwiches from the deli.

I also order in on occasion and pick up food (there’s a fantastic Vietnamese Pho restaurant just a few blocks away that I always get the #36 and #36 at) and eat out at restaurants with Lisa. We used to eat out at nice restaurants a TON last year, but really cut down this year which is good. I think last year there was a point in which we were eating out at restaurants almost every second day…

In addition to food there’s medical care (who said healthcare in Canada was free?!), dentist, optometrist (contacts ain’t cheap), car insurance, gas, cable TV, cable Internet, electricity and my cell bill.

This stuff really adds up. You can easily overpay on your electricity bill if you don’t choose an electric utility provider that offers low cost electricity rates Calgary.

5. The Fun Stuff

Finally, the fun stuff. I bet some of you were expecting this to be much higher on the list, but the truth is that on average it’s much lower and usually makes up the least amount of spend distribution.

I’ll go on the occasional trip, but don’t go on all that many. This year Lisa and I went to the River Rock Casino Resort and then to Las Vegas in September for BlogWorld. Next summer I’ll be going to the Philippines and I expect that to be a bit expensive (the plane ride isn’t cheap).

As for toys, I don’t go too wild but when I get something I usually get something nice. I just bought a beast of a new computer a little while ago as well as two 24-inch monitors. Then, even more recently, I bought a nice new bed. I’m now eyeing a 60-inch HDTV/Plasma for my living room and a 40-inch wall-mounted HDTV for my bedroom.

I’ve also been looking at upgrading my Blackberry Pearl. I’m waiting for the Blackberry Storm to come to Canada and might consider switching over then.

Lastly, I spend money on online games from njnodeposit.com and DVD rentals. I have a Wii (traded in my XBox360) but don’t play it anymore although I’m considering getting Rock Band II when it comes out, but primarily play PC games. I actually don’t spend a whole lot on games because I get a scary amount of gameplay time out of them. I still play Starcraft which is nearly 11 year old now.

Nothing Fancy

So that’s what I spend my money on. It’s nothing too fancy, and I still have a mortgage to pay.

Best Things to Spend Money On – What’s Worth Every Penny

What are the best things to spend money on?

You know how much I love saving money!

And while I think saving is essential, it may be hard to believe, but sometimes I think you have to spend a little money, too.

While I’m all about saving a buck where ever I can, there are a few instances I believe it’s worth it in the long run to spend a little more.

In these instances, it’s a better idea to choose quality over a bargain.

In addition to allowing you to purchase a better item, paying a little more might actually save you money in the long run!

While I don’t condone overspending, it’s a good idea to make a big purchase if it falls into one of the categories listed below.

These items are the best things to spend money on when you’re making a big purchase or coming up with ways to use some extra cash.

This post may contain affiliate links, meaning if you make a purchase, I may earn a small commission, at no cost to you. Please read the disclosure for more information.

Your Favorite Thing to Spend Money On

Before you start thinking about the things you should be spending your money on, take the time to consider the things that are important to you.

There’s no reason to scrimp and save throughout your life if you never enjoy the things you do spend your money on!

Taking inventory of the items that are important to you will help you uncover areas in your life where you’re willing to spend a little more and areas where you’re OK with cutting back.

In addition to giving you an idea of the things you value the most in your life, allowing yourself to spend a little extra will also make saving money in other areas a little more bearable.

When considering the things you would consider spending more on, think beyond material “stuff.”

Instead, think about the things that make you happy or make your life easier, then consider if spending more in those areas would be beneficial.

By considering your spending areas that are important to you as you create your budget, you can allow yourself some leeway when it comes to those valued categories.

27 Best Things To Spend Money On

Below is a list you can use as a guide to help create a spending framework that will help you make financial decisions.

This will also give you a chance to find areas in your budget where you can reduce your spending to give you more cash to spend in the areas you value most, making budgeting a little more fun and fulfilling.

Things to Spend Money on for Your Home

Whether you just purchased a new home or are hoping to update the house you’re living in, purchasing items for your home can quickly get expensive.

From updating your furniture to making large renovations, there are tons of different ways you can spend money on your home throughout your life.

Although there are several areas where you can opt for cheaper items in your home to save some money, spending a little extra on these items is a good idea.

1) Mattresses

Think about how much time you spend in bed each day.

With the majority of your day spent laying and sleeping on top of your mattress, it’s a good idea to make an investment in a high-quality brand.

Although purchasing a high-quality mattress is expensive, the cost is worth it when you think about how a good mattress will improve your overall quality of life.

On top of helping you get a better night’s sleep, a good mattress can also improve your posture, mood, and overall wellbeing.

If you’re currently shopping around for a mattress, we just got a Casper mattress. (If you use this link, you’ll get 20% off your mattress (excludes bundles, the Element, Casper Dog Bed, Casper Outlet purchases, and sale items.)

We chose the original hybrid option. It’s very comfortable and been worth the price!

We layered it so that there’s a waterproof mattress protector, then a sheet, then a foam mattress topper and then another sheet.

It makes for easier clean up and gives your mattress extra protection!

We’ve already had a few accidents on our mattress. They never penetrated past our mattress topper.

I’m so glad we purchased those extra items to keep our mattress in good shape.

Along with the mattress, the protector and topper have been great things to spend money on!

2) Furniture

While purchasing used furniture may be great idea when you’re living alone, once you have a house and a family, it may be a good idea to invest in better furniture.

Spending a little more to have sturdy, comfortable furniture in your home is a good investment that should last for years to come.

3) Large appliances

If you’ve ever bought a used refrigerator or washing machine, you know that those purchases usually aren’t money well spent.

The next time you’re in the market for a new large appliance, take the time to do your research to make sure you’re getting the biggest bang for your buck.

And when it comes to home appliances, sometimes that means spending a little extra for a better brand or more advanced features.

4) Home repairs

Although it’s perfectly fine to make small home repairs on your own, sometimes the project is bigger than you can handle.

Instead of scrimping on supplies or labor, it’s probably a good idea to consider paying a higher price for quality work.

When dealing with large projects, like roof repairs, foundation issues, electrical repairs, or plumbing work, it’s important to ensure the project is done correctly the first time.

Or you may risk spending even more to fix an even bigger problem down the road.

Spending money on health and wellness

It’s OK to Pay More.

I love finding a good deal, but sometimes scrimping isn’t the right call.

There are a few times it’s fine to pay a little more to ensure you’re getting a quality item.

When shopping for these things, it’s OK to pay a little extra.

5) Work shoes

If you work at a job that requires you to be on your feet all day, investing in a high-quality pair of work shoes is essential.

On top of making you more comfortable throughout the day, wearing good shoes while you’re standing all day will also ensure you have better posture and proper blood flow through your feet as you work.

When I worked in a retail store, Campers shoes were my go-to brand. They were comfortable and chic. One pair (with daily use) lasted years.

6) Running shoes

In addition to investing in good work shoes, paying a little extra for running shoes is also a good idea.

High quality running shoes can provide you with proper support while you exercise, reducing your chances of injury as you work out.

I don’t run anymore, but when I did, I always used Nike running shoes for basketball, volleyball, and track.

7) Timeless workwear

Investing in a few high-quality, classic pieces of workwear is a good investment when you consider the cost per wear of the clothing.

Look for items that can be worn a variety of ways to ensure you can use the more expensive clothing from week to week to make the most of your purchase.

I actually no longer buy clothing because I have a capsule wardrobe. I have all the clothes I need within it.

Here’s my capsule wardrobe planner if you’re looking for ideas for your capsule wardrobe.

8) Baby care products

From purchasing new baby furniture for the nursery to buying the best diapers for your newborn, paying a little extra for the best baby products is a good investment to consider.

Beneficial Ways to Spend Your Money

If you have extra cash laying around, you may be wondering what’s the best way to spend it.

Instead of purchasing new “stuff” to clutter up your home, think about other ways you could use your money.

There are a few great options for spending your money when you want to make the most of the cash you have on hand.

9) Paying down debt

Instead of increasing your debt by making another big purchase, why not use that extra money to reduce the burden of debt you already have?

Paying an extra amount of money toward your existing debt can not only reduce the overall amount you owe, but it will also decrease the amount of interest you’ll be paying on the debt in the future.

It tracks up to 10 debts over 10 years. It highlights paid debts and includes a debt-free date. If you’re interested in purchasing this spreadsheet, you can click here to get a 15% off coupon.

10) Put it in a savings account

If you don’t already have one, open up a high interest savings account with your extra cash to set aside some money for the future.

When you put your money in a high interest account, you can earn money on your savings while it sits in the account.

Having this emergency fund is a great way to ensure you have money on hand in case you have a large bill that needs to be paid or a big repair that needs to be made.

11) Invest in your retirement

Another great way to use that extra cash is to invest it in the future.

Put the money in your retirement account or open up an IRA to start saving some money toward your retirement.

12) Create a bank account buffer

Are you constantly overdrawing your bank account?

Instead of spending that extra cash, put it in your bank account – then forget it’s there.

Use the extra money as a buffer in your account in case you overspend.

The next time you spend more than you have in your account, you’ll be covered by having a little extra in your checking account to cover your spending errors.

13) Make an extra mortgage payment

Did you know that making just one extra mortgage payment per year can drastically reduce the amount of money you pay on your loan overall?

In addition to decreasing your overall payments by a month, you’ll also be reducing the amount of interest you pay on the loan throughout its life.

That makes an extra mortgage payment a great way to invest that extra cash!

14) Pay down your student loan

Just like paying extra toward your mortgage, making an extra payment on your student loan can go a long way toward reducing your debt.

One extra payment per year can reduce your loan principal and decrease the overall amount of interest you pay on your loan.

15) Refinance your home or auto loan

Going through the refinancing process is a great way to help reduce your monthly payments or cut down on the length of your loan.

But refinancing usually comes with application and processing fees.

Using extra money to pay for those charges is a great way to improve your financial future, allowing you to reduce your overall debt and decrease your monthly spending.

16) Start a business or side hustle

Making an investment in yourself is another great way to spend extra money you have.

If you have ever thought about starting your own business or side hustle, using that money to invest in start-up costs can help you on your way to earning even more money in the future.

Here’s a list of the best work-from-home businesses or side hustles that are flexible and pay well.

Personal Things to Spend Money On

Not all your spending needs to be centered on material things.

Sometimes, it’s best to invest in things that improve your inner self.

From furthering your education to advancing yourself in your career, finding ways to spend your money to improve yourself is always a great investment.

17) Education

From going back to college to investing in education for your children, putting money toward learning will always pay back in the end.

Earning a degree or advancing your knowledge is a great way to spend your money and improve yourself at the same time.

The topics are endless from music to photography to film & video to interior design to productivity to business.

There are free courses.

18) Career development

Just because you have a college degree doesn’t mean you should stop learning.

Investing in career development opportunities, like informational classes, coaching, or certifications, is another great way to spend some extra money.

On top of helping make you more appealing to potential employers, career development opportunities can also improve your self confidence and enhance your current abilities.

19) Financial education

Learning to take control of your finances can be an ongoing battle.

And sometimes, you need to invest a little bit of money to help you further your financial knowledge.

Whether you purchase a new book about money or invest in a financial literacy course, finding ways to use your money to help you manage your money better will always be a good investment.

This list was contributed by a variety of personal finance experts and avid readers.

Whether you’re targeting budgeting or investing, this list will likely have what you need to improve your financial situation.

20) Travel

Instead of investing in material things, consider putting your money toward a new experience.

Taking a trip is a great way to experience a new place and see life from a different perspective.

On top of allowing you to see a new place, traveling also gives you a chance to make some great memories that will last you and your family a lifetime.

21) Experiences

In addition to spending money to travel, paying money to enjoy experience is also a great way to use some extra cash.

Whether you love listening to live music or enjoy looking at art in a gallery, spending money on experiences that make you happy is much better than looking for a new material thing to add to your home.

22) Hobbies

On top of making you happy, investing in your favorite hobbies can also help improve your overall well-being.

Whether you invest in trying a new hobby or upgrade your existing supplies, using extra money to invest in your favorite pastime would be a beneficial investment in the future.

23) Staying connected

While the most important thing you can invest into any relationship is time, you may also need to invest money to stay connected to friends and family.

From going out with your friends on a Saturday night to paying to travel to visit family who live far away, keeping connected with friends and family can cost a lot.

Although spending money on every opportunity that comes up isn’t the best idea, prioritizing connections when making a spending plan is a great way to make use of some extra money in your budget.

24) Fitness

Staying healthy is essential to improving your quality of life. And that means finding ways to incorporate exercise into your daily routine.

Although there are a variety of free exercise options available, sometimes spending money on your fitness is the push you need to stay on track.

If investing some money in an exercise class or gym memberships helps you stay in shape, then that’s money well spent.

I have a friend who spends 30 minutes every morning following a workout DVD. She’s been doing it for a few months and she is fitter than I’ve ever seen her!

25) Mental health

Just as it’s important to take care of your body from day to day, taking care of your mind is also essential. That’s why you should never feel guilty for spending money to improve your mental health.

Visiting a therapist or counselor can help you stay mentally sound, which means the money you spend on improving your mental fitness is an essential part of your budget.

26) Time management

Sometimes, the best investment you can make is your time.

And if you find yourself spending way too much time on tasks that don’t benefit you financially, it may be a good idea to spend extra money to outsource the task.

Hiring someone to help clean your home, ordering a premade meal subscription, or paying a virtual assistant to handle time-consuming tasks can help free up your time, allowing you to have more time to devote to more productive tasks.

27) Giving back

Donating money to your favorite cause is a great way to improve the world around you and make yourself happy, too.

On top of helping a worthy organization, charitable donations are also good for your finances because they can be tax deductible.

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5 For Friday: What do you LIKE spending money on?

We talk a lot about SAVING our money, and paying off debt or wiping away mortgages, etc, but one thing we *don’t* discuss much is SPENDING our money on things we enjoy 🙂 And I think it’s something to be really conscious about because it’s perfectly OKAY to prioritize our money and use it toward things we actually care about. A lot of things in our lives DO cost money, and there’s nothing wrong with spending it on the things that are important to us – whatever it may be!

So today, let’s talk about some of these things, and see what your fellow money lovers enjoy out of this life too 🙂 There are no right or wrong answers here, so just be open and honest with yourselves. It could be anything at all that’s special to you – a toy, a vacation, makeup, a car, whatever. If you’re spending money on it, and you enjoy every last penny invested, we wanna know!

Here are this week’s 5 for Friday questions:

I’ll go first, because it’s my game and I get to set the rules 😉 And also, because I like to talk a lot!

Okay, now that I wrote a book here, it’s YOUR turn! What do YOU enjoy spending your money on? Tell us loud and proud in the comments!

————-
PS: That video up there? Safe for work, I promise 😉 It’s actually pretty funny!

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J. Money

Jay loves talking about money, collecting coins, skateboarding, and hanging out with his three feisty boys. You can check out all of his online projects at jmoney.biz. Thanks for reading!

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What’s something that’s ALWAYS worth spending your money on?
Traveling. Especially to see people I love. Bonus points if it is to a place I’ve never been, and triple word score if I can get a friend to come with me to a place I’ve never been before. 🙂

How much does it usually cost you?
Anywhere from a few hundos to several thou.

Do people think it’s a huge waste of money? (Do you care?)
I’m sure they do. I don’t care what they think. It’s my money.

*BONUS* How long could you go WITHOUT this thing?
Not for long. Once a year is not enough for me, I’d prefer to see everyone at least twice a year. It killed me to cut back to only once a year. My family and US friends are my life. Seeing them sustains me for the year ahead in a foreign land that I can’t seem to quite fit into or make feel like ‘home.’ I’d pay any amount of money to be able to do this. Aside from rent and food, my trips home are my priority.

*BONUS* How long could you go WITHOUT this thing? Not very long!

One of my favorite sayings came from coach John Wooden’s 7 point creed, (given to him by his father when he graduated from grammar school)

Drink deeply from good books, especially the Bible.

The whole creed is here:
Be true to yourself.
Make each day your masterpiece.
Help others.
Drink deeply from good books, especially the Bible.
Make friendship a fine art.
Build a shelter against a rainy day.
Pray for guidance and give thanks for your blessings every day

My interpretation of this is not to focus solely on religious texts, but to enrich your life with as broad a selection of interests as possible.

I just read:
The Seven Daughters of Eve. — Mitochondrial DNA points to the origin of our species. could not put it down!
The Referral Engine : great book on giving and getting referrals
The Back of the Napkin : visual communication at it’s best!

First runner up would be limes. Limeade, Thai food, Mexican, margaritas….. Maybe I’m hungry this morning.

*BONUS* How long could you go WITHOUT this thing? Realistically… about two weeks…

First off, love the commercial J Money. It has been a while since I’ve seen it air.

1. Well I tend to spend money on car related Items. Mainly things to make her go faster, but lately I have been investing better in detailing tools.
2. Last year was an expensive one I treated myself to a lightly preowned supercharger (4k), headers (1k), tuning software (500) and a wideband sensor (250). I enjoy the installation part as much as the going fast part, so at least I didn’t have to spend a couple more thousand for the install and tuning.
3. Well I guess the most I spent was on the car itself. Looking back I kind of can’t believe how everything unfolded and how much debt I took on for it. About two years before I graduated college I decided to finance my first and probably last new car (a Toyota Corolla XRS). I negotiated it down to 18.6k from a MSRP of about 23k. I loved the car, but still traded it in 11 months later. A friend told me about a used gto with a complete Holden Monaro conversion at the local Mercedes dealership. It was being sold under private party value at around 19k despite the 4k plus worth of upgrades it had. It was a great deal, but I shouldn’t have financed either of those cars under the pretense that I would get a good engineering job to pay it off. It ended up that I did, and I still love the car just like the first day a bought it. I did learn a couple lessons from the experience though, not to burden your future self with a car payment you don’t have to take and never buy a new car because you can buy a lightly used one that is way faster one for about the same money. =-)

3.5/4 The least spent was in my new side hustle “amateur used car dealer”. I bought a jetta for 700 dollar that’s headlight would shut off at random because a part was bad in the ignition switch. The dealership told the woman that it was going to be a small fortune to fix, but I bought the part online for 25 dollars and had the job done in about 2 hours. All said and done after a couple other small things, insurance and tags I netted about a 1600 dollar profit. The rush I got from doing this was even greater than racing.

5) If I had it at the time I bought the car I would say No. The waste of money was in interest paid and unnecessary risk taken.

*Bonus* No, I couldn’t imagine living in the city and not having a car.

What’s something that’s ALWAYS worth spending your money on? Crafts!

How much does it usually cost you? Anywhere from free to pretty expensive, depending, but the expensive things are usually one time purchases. **Important to note that I typically buy my craft items for gifts so I’m really using my Christmas/Birthday budget for it. It’s a cool way for me to create and to give at the same time.

Do people think it’s a huge waste of money? (Do you care?) I don’t tell people how much I spend, but I bet a lot of people would say I don’t spend nearly as much as I could – especially with scrapbooking (which I don’t do).

*BONUS* How long could you go WITHOUT this thing? Yikes! Not a week!

Your idea for prioritizing how we spend our money strikes a resonant chord. In fact, it’s the core principle behind PEACEBUCKS, which I introduced at the height of the Viet Nam war. (I like to think that they helped to end that sad chapter in U.S. history.)

Re: Your “5 for Friday” questions:

1. What’s something that’s ALWAYS worth spending your money on?
Money! I never fail to get satisfaction from buying a good U.S. bank note with graffiti on it. Have been doing it since the late ’70’s.

2. How much does it usually cost you?
The face value of the bill.

4. Are there any alternatives to getting it cheaper?
Yes, to accept the generosity of friends who say “never mind” when they give me a neat graffiti dollar that they’ve found in their travels and I hand them a buck in exchange. But my policy has always been to pay for every bill in my collection.

5. Do people think it’s a huge waste of money? (Do you care?)
Some people do think it’s a waste of money and an absurd collection, and yes, I do care what people think. Your positive tweet when I first joined Twitter was greatly appreciated and encouraging.

*BONUS* How long could you go WITHOUT this thing?
Nowadays it’s pretty slim pickings because I see very little cash myself. And merchants and bank clerks in the press of their daily transactions can’t bother to set “mutilated” bills aside. I cringe at the thought of all those great graffiti bills in circulation that will eventually be returned to the U.S. treasury to be destroyed, unseen and unsung by the world’s cash connoisseurs and aficionados. If others “out there” share this passion/fascination I’d love to hear from them and to compare notes — (er, banknotes;) I’d especially welcome their comments if they visit http://www.moneygraffiti.com.

1. What’s something that’s ALWAYS worth spending your money on? Holiday decorations!

4. Are there any alternatives to getting it cheaper? Sure…clearance for the next year. But by then you aren’t thinking about it! I would say making it…but even that can get pricey to buy materials.

5. Do people think it’s a huge waste of money? (Do you care?) Some do. Don’t care.

6. *BONUS* How long could you go WITHOUT this thing? HMMM….I probably could go a year without buying, but I would be really sad.

What’s something that’s ALWAYS worth spending your money on? craft supplies for (mainly) rubber stamping (cards/gifts/scrapbooking)

Are there any alternatives to getting it cheaper? some….but, when you love a certain company’s product, you don’t really want to buy from anywhere else. I do tend to buy ‘generic white’ ribbon and dye it with exclusive colors I get from Stampin’ Up!

Do people think it’s a huge waste of money? yup
(Do you care?) nope

*BONUS* How long could you go WITHOUT this thing? not very long. It tends to keep me grounded. It’s a stress reliever….just like getting into a good book does. And don’t get me started on books! I love, love, LOVE reading books. I get most of mine from the library bookstore or online at Paperbackswap.com (best site ever!) or Bookmooch.com. The online sites are FREE!

1. What’s something that’s ALWAYS worth spending your money on?
Food!! In any and all forms — groceries, restaurants, casual dining, even fast-food.

2. How much does it usually cost you?
No idea, because **I confess** I don’t budget. Sorry, J. Money! I “budget” my savings (I decide how much I want to save, then I save it, and I spend whatever is left over. Tweak as necessary.)

3. What’s the MOST you’ve ever spent on it? (What’s the LEAST?)
Oy … a lot and a little?

4. Are there any alternatives to getting it cheaper?
I could stick to buying 100 percent groceries (never eating out), but then I’d be so sad …

5. Do people think it’s a huge waste of money? (Do you care?)
Some people think you should buy “cheap” food (lots of simple carbs like pasta), but I think those people are crazy. Buy food that’s good for you, or delicious, or both. Don’t put it in your body just cuz its cheap!

*BONUS* How long could you go WITHOUT this thing?
About 2 hours. 🙂 Maybe 3.

I bought NCAA 12 Football for Playstation today. I’ll really enjoy it for about a week and then probably sell it on half.com

But hey, it’ll make he happy for a week!

1.) What’s something that’s ALWAYS worth spending your money on?
Well, I used to collect football cards of a favorite player. It seemed like it was worth it at the time. Now, not so much. Was it fun? Heck yes. I called it a “non-traditional savings account”. It worked out OK, because selling some of them paid for (3) tickets to the Super Bowl this year. (GO PACKERS!)

4.) Are there any alternatives to getting it cheaper?
You can buy them ungraded and have them graded. Or, you can go without having them graded at all and keep them in “raw” condition. Or, you can get a lower graded card (scale of 1-10). Obviously 10s cost the most.

6.) How long could you go WITHOUT this thing?
At the time, hours. It was my crack. I have gone a year without really buying a new card. It’s a neat hobby and one that I will stay passively involved in.

1. This was tough as I have three things I feel are worthy of spending money on. Books, art supplies, and travel. But I think travel wins out.
2. A wide range here, depending on the destination. I live 2 hours from Orlando, so like to take weekend jaunts there. Then there is family a few hours away, and of course real vacations. lol
3. To date: the most would be last years trip to the Bahamas, but next years trip to CA will probably beat it. The least would be when I traveled with my child for sports and we would put 2 or 3 adults and that many kids in a room to save money.
4. Staying home, no more weekend trips, fewer trips to Orlando would all make it more economical.
5. Someone must, but I DON’T CARE! I love to go places, and get restless if I don’t go somewhere every few months.
*BONUS* Not long. I get restless. I love planning the trips, finding things to do, figuring the budget, then the trip.

I am making a point to travel more – last year, i went on several trips – mostly with friends – because I LOVE to travel. This year, a few more (and one lined up for fall…with my mom. Should be interesting).

But I’m not really great at spending money on the things I love – I spend a lot of time wishing I would travel more, of that I had that awesome lens or whatever… but not doing much to turn it to reality. Working on that 🙂

What’s something that’s ALWAYS worth spending your money on?
— Sushi. Very expensive for what you get, but worth every penny.
How much does it usually cost you?
—-

(What’s the LEAST?)
$6 for California rolls.

Are there any alternatives to getting it cheaper?

DYI Sushi? i dont think so…

Do people think it’s a huge waste of money? (Do you care?)
—of course its a huge “waste” of money, since comparative nutrition can be had for much less. But, thats not the point. Its a luxury.

*BONUS* How long could you go WITHOUT this thing?
—Many months, to forever, really.. its a rare treat, one i only indulge in a few times a year, which for me just adds to its appeal.

Hey guys! Sorry for the delay here, but glad to see so many responses on this one 🙂 Getting to know y’all more and more every week!

Презентация была опубликована 9 лет назад пользователемstandart.prosv.ru

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