Live below your means - Page 3 - Talk About Marriage
Financial Problems in Marriage When financial times are tough, it adds to the stress we deal with on a daily basis. This section is for talking about how financial problems affect our relationships and ways to cope.

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post #31 of 67 (permalink) Old 02-15-2015, 11:53 AM
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Re: Live below your means

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For $800 a month, in my area, he could buy about 2000 square feet of actual house in a real neighborhood of real human beings in a state with zero state income tax and plentiful jobs. Tennessee is also unlikely to fall into the ocean anytime soon.
I suspect the whole "falling into the ocean thing" started as a way to keep the anti-science people out of California. Seems to be working so far. My bet on the next state due to be lost to the ocean anytime soon is Florida.

It is expensive in CA. When I first moved here, my salary doubled, but my rent tripled. This might sound like a bad deal, but once you can afford a house, you can lock-in a housing payment, while your pay continues to rise.

Many expensive things you might want to buy, like cars and stock in companies cost pretty much the same no matter where you live, which equates to them seeming cheaper at a higher salary.

Another thing, at least near Silicon Valley - the economy here never seems to wane much. While I see complaints on the internet, during bad economic times for the country I'm still waiting for 20 minutes to get a seat at a restaurant here.

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post #32 of 67 (permalink) Old 02-16-2015, 03:46 PM
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Re: Live below your means

This makes me think of the show extreme cheap stakes
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post #33 of 67 (permalink) Old 02-17-2015, 02:28 PM
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Re: Live below your means

Cheapskates here too! You do have to be careful to not got too into saving, it can be as addicting as spending, and you'll find yourself stressing over inexpensive necessities (though this also probably comes from growing up poor).

And I agree that it's important to keep a balance. We travel extensively and try to be generous with family (entertaining, gifts for nieces and nephews, charitable giving). It's a balance, and hitting the next milestone always feels really good.
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post #34 of 67 (permalink) Old 02-19-2015, 01:28 PM
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Re: Live below your means

I've seen research that there are as many people who are 'irrational' savers as 'irrational' spenders.

I am a financial worrier and am more inclined to be the former. recently spent our life savings on our first family home and with a child on the way, my stress levels are rising! will feel better once we have a nice 6 months living cost cushion....
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post #35 of 67 (permalink) Old 09-26-2015, 09:16 PM
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Re: Live below your means

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For $800 a month, in my area, he could buy about 2000 square feet of actual house in a real neighborhood of real human beings in a state with zero state income tax and plentiful jobs. Tennessee is also unlikely to fall into the ocean anytime soon.
We did just that in NE Arkansas....almost 2000 sq feet for under $800 per month. Our street is populated by retirees, Dr.'s and one state senator...A mile from shopping and outstanding health care....

We have huge oak trees in the front yard, and total peace and quiet...$600 a year in property tax.
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post #36 of 67 (permalink) Old 09-26-2015, 09:27 PM
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Re: Live below your means

Portugal and Viet Nam are cheap to retire to.

Is there such thing as insanity among penguins? - Werner Herzog
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post #37 of 67 (permalink) Old 09-26-2015, 10:09 PM
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Re: Live below your means

Sometimes people aren't "living beyond their means" when they get into difficulties, the #1 cause of bankruptcy in America is medical bills and medical debt. Plenty of people make all the arguably "right" choices and things don't work out the same because of factors like illness.

So, as a reminder, not everyone who rents or doesn't own property or seems to have financial issues is "buying crap they don't need." There's a lot more to it than that, but ... as the usual suspects on politicized financial issues have now arrived, I'm not going to say anything else lest this thread turn into the same thing every other one does.
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post #38 of 67 (permalink) Old 09-27-2015, 12:24 AM
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Re: Live below your means

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For $800 a month, in my area, he could buy about 2000 square feet of actual house in a real neighborhood of real human beings in a state with zero state income tax and plentiful jobs. Tennessee is also unlikely to fall into the ocean anytime soon.
One of the reasons property is so cheap is because crime is terrible in Tennessee. You get what you pay for I guess.
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post #39 of 67 (permalink) Old 09-27-2015, 12:25 AM
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Re: Live below your means

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We did just that in NE Arkansas....almost 2000 sq feet for under $800 per month. Our street is populated by retirees, Dr.'s and one state senator...A mile from shopping and outstanding health care....

We have huge oak trees in the front yard, and total peace and quiet...$600 a year in property tax.
When you say $800/month is that rent or a mortgage?
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post #40 of 67 (permalink) Old 09-27-2015, 01:02 AM
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Re: Live below your means

Apologies for this smug post. In preparation for my divorce settlement, I looked into my pension. Apparently, if I retire at age 60, my income will more than double.

That said, I used to live in Oxford, UK. No car, no holiday, weekly trip to the pub but that was it. About 40% of my income went to paying for a room in a shared apartment and I saved hard to put aside £100 a month. What has changed since then is income.

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post #41 of 67 (permalink) Old 09-27-2015, 07:31 AM
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Live below your means

I spent a few weeks on assignment in Huntsville AL where the locals loved the low property taxes and yet complained the local school system was so bad they had to send their kids to private schools...
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post #42 of 67 (permalink) Old 09-28-2015, 01:05 AM
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Re: Live below your means

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I spent a few weeks on assignment in Huntsville AL where the locals loved the low property taxes and yet complained the local school system was so bad they had to send their kids to private schools...
Ah yes, that whole "taxes are terrible" thing. I recall during contract negotiations some years back people were saying that "the teachers make more than I do" so screw them, and for them to go teach somewhere else if they did not like the terms they were being offered.
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post #43 of 67 (permalink) Old 09-28-2015, 09:33 AM
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Re: Live below your means

While I understand the need for access to internet these days, I have a hard time accepting the 'need' for 3 or 4 different forms of electronics today's generation feels is necessary. When DD25 started college, I attended an open house and one of the professors said that, yes, she would confiscate phones pulled out during her classes and, yes, a student could survive 45 minutes without people knowing if they were alive or able to send a response. The amount of 'stuff' we feel we have to have nowadays is so ridiculous.
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post #44 of 67 (permalink) Old 11-20-2015, 06:18 PM
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Re: Live below your means

California Man... have you got a minute to talk with my husband... I'd like for him just to realise the importance of living WITHIN ones means. When faced with a massive financial changes, including rent increase of over $483, something has to give. Moving 30-40 miles away is an answer for now, especially when you work from home!
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post #45 of 67 (permalink) Old 11-20-2015, 06:27 PM
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Re: Live below your means

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THat is coolness !...There are many forums on frugality online too... something like this section on the "Simple Living" forum....

Frugality, Products & Purchases

...Or this section... Personal Finance
Getting out of debt, credit cards, socially responsible investing, money management, etc
www.bogleheads.org has excellent resources on this too.

Note that most of the posters there seem to have a LOT of money, so if that would bother you, consider this a trigger warning.

Always remember the LD motto: "Sex isn't important!!!"
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