| i spend very little on a day-to-day basis and try to save what i can - but typically every few months i'll make a large purchase based on my goals how do you manage your money? are you an investor? are you saving for certain goals? do you not bother looking at the price tags? how much junk/fast food are you buying every week? |
| the official MAL hall of fame/cursed comments is now open for business - you are welcome to PM me any potential quotes to include |
| Big spender, for sure. I've never been good with saving money in my life. But, I rationalize it because I do have a retirement fund that is growing and I contribute to it satisfactorily. Bills are always paid on time. Always have food. Shelter and clothing for myself and my kid, and can get him something nice sometimes (though try to make him earn a lot of the stuff he wants). Insurance to help cover me. If all needs are met, I can have a bit of fun with the money, or just not worry about eating at a restaurant a few times a month or whatever it is. |
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| Spender. I've been blowing a bunch of money on books, perfumes, cds, anime stuff, and clothes. Going to try to save for a while |
| I try to be frugal as much as I can. Reserving much of my money for bigger things that I need, as well as saving for events. |
 This ground is soiled by those before me and their lies. I dare not look up for on me I feel their eyes |
| I'm mostly a saver, but there are certain times of the year, like Christmas, where I do splurge a bit. During the summer, I go to yard sales, and most of the stuff I get at yard sales is pretty cheap. |
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| back when i was still working and have my own income im more of a saver but not the big saver kind though |
| I haven't started earning yet (not even in college yet) but I would still consider myself to be a saver. I usually keep things for a long time and wait for the right time to use them rather than do it at once. I'm somewhat cautious I guess. |
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| Sadly a spender... A game on sale, some new t-shirt or a book and boom... not much is saved at the end of the month. I'm perfectly aware that this is not optimal way to live, but at the same time, I don't have a glorious distant objective I would want to save for. |
• あきらめないで • slice of life / drama / mystery / supernatural / fantasy / sci-fi / comedy |
| There's no point in saving money when there is a predetermined annual inflation and negative interest rates. You are practically losing money by trying to save money. |
| ive got enough saved i could probably get a job b4 it runs out if im let off, so im nit too worried abt saving. i want to save slightly tho. i basically dont worry about saving at all but am naturally frugal and earn a good income soo i end up at rhat slowly saving up state naturally. |
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| big spender. i buy alot of stupid shit i see on the internet and i never use them most of the time. you can also say i lack self control |
| Saver most of the time, but I do have a habit of indulging a bit too much from time to time. |
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149597871 said: There's no point in saving money when there is a predetermined annual inflation and negative interest rates. You are practically losing money by trying to save money. do you spend all your money? what do you use it on? |
| the official MAL hall of fame/cursed comments is now open for business - you are welcome to PM me any potential quotes to include |
| I’m extremely frugal due to paranoid delusions regarding money. Maybe when I get a more stable income, things will get better. |
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| I do both before I can afford too. I spent my next check on clothes and video games |
Sad said: 149597871 said: There's no point in saving money when there is a predetermined annual inflation and negative interest rates. You are practically losing money by trying to save money. do you spend all your money? what do you use it on? Absolutely, even though I don't want to, to be honest. Normally, it is expected for prices to go lower over time since we develop new and more efficient ways to produce things, so saving money makes perfect sense. The problem is that this natural trend is replaced with an artificial inflation for the sake of consumerism since governments want people to spend money now rather than later in order to keep the economy in a (seemingly) good state. Your order of spending should be Investing > Luxuries > Necessities, but some people would rather prefer Investing > Necessities > Luxuries. At no point in time should there be any surplus, however.. It is like playing an RTS game. If you have any resource piling up, it means you are not playing efficiently. Disclaimer: That's not a financial advice; I am not authorized to give such. |
| Big saver. I am not spending my money on ANYTHING unless I know for sure that it's worth it or will be useful and last me for a long time. I hardly ever buy any clothes since what I currently have is enough, and I only buy the cheap, comfy clothes. Anything over $20 is too expensive for my taste. I only ever buy snacks from stores once in a blue moon, since I have food at home and those snacks won't last me long at all. I avoid buying anything unless I really need it. The only costly thing I've ever bought was bought to me by my dad because he wanted me to get it because I needed it: my laptop. So far it's proven to be the most useful weapon in my arsenal. The only thing I've bought online has been a $15 Logitech K120 keyboard that I've been using for everything for over a year. Gonna need a new one soon though. I want to save up so I can have some extra money in case there's ever an emergency where I'll really need it, and so I can pay for university and not fall into crippling debt-- that is if I want to go in the first place because now uni is looking like a horrible option. My younger brother on the other hand... ugh. He's the opposite of me. He doesn't think things through before buying them. If he wants retarded sPiCy cHiPs and he has money, he's gonna fucking buy it. His reasoning for buying it? "I'm hungry bruh" WE HAVE FOOD THAT'S MUCH HEALTHIER AND FULFILLING AT HOME!!! Throughout the entire school year he's wasted over $300 on snacks at a liquor store. I'm not even joking, that's actually how much he wasted. And that's just at that liquor store! God knows how much he's spent at other stores buying snacks he'll finish in 5 minutes! And forget about how much he's spent on clothing, electronics and other useless shit! I'm willing to bet he's spent over $700 in the last year and a half on this crap. I think the worst one was when he spent $250 on fucking air pods-- ones that he lost only 2 months after he bought them. Time and time I've told him to save his money but he doesn't listen, especially now since he has a girlfriend. |
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| Big Saver because I'm all about dat cheddar cheese |
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| Big spender. I've been trying to be better at saving money. I used to have an 800 credit score OTL |
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| A mixed of both I guess, I don't spend a lot of money frequently, but when I do, it usually takes quite a toll on my back account. |
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| Honestly, I KNOW I spend wayyy too much! I definitely need to cut back, but I dont know how to budget or do anything really with money.. I was thinking of opening an investment account if anyone has any non-scammy options? |
| Depends, sometimes I like to go on spending sprees, but some weeks / months I go without spending hardly anything. Currently I feel no need to spend on anything so I've been saving |
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| big saver, i rarely buy things that i don't see as beneficial |
| good opinions on anything, block = I own you |
| I would say I'm neither. I don't see the need to be super frugal because there's nothing big I would want to save for, but I do try to always have a reserve for emergencies so I also don't just spend whatever I have (like a lot of people I know do). But I do spend 100€ or more each month on my comics and manga collection and also spend solid amounts on alcohol for my cocktails, but nothing too fancy. A 40€ gin bottle here and there is about as expensive as I'll go in that regard. But I definitely always look at the price tag of everything I buy so you could say I have somewhat of a 'saver mentality'. I hate overpriced stuff. I also have some money in crypto that I basically don't touch unless it reaches a new alltime high. I don't really count that since you never know where crypto will go, but it did pay for a vacation last year and if it does that every 3 or 4 years I'm happy. |
| I probably regret this post by now. |
| im usually a saver, but whenever there's a sale on something i want, i don't mind splurging a bit. |
| im a stupid big fat spender i need help |
| Somewhere in between, I usually don't spend that much on daily basis but when there is something anime related that I want then I end up spending a lot getting it shipped from Japan to my country, my country slapping on heavy taxes on imports just makes it worse so though. |
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| Somewhere inbetween. When I spend a lot of money, it's usually when it's a sale - to get the most for my money. And I occasionally buy manga from Japan, which tend to cost a lot. I try to save what I can though, in case something happens. |
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