tag:blogger.com,1999:blog-2360181411679921723.post4677959869142463204..comments2024-01-12T01:51:57.102-08:00Comments on Sunday Morning Sugar: I want it now!! And later too...Malorihttp://www.blogger.com/profile/00426438363381136779noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-2360181411679921723.post-39091916020362365372011-09-07T19:14:35.078-07:002011-09-07T19:14:35.078-07:00I love that advice Alyssa!! I think having a litt...I love that advice Alyssa!! I think having a little money set aside for splurges is a great way to buy yourself nice frivolous things while sticking to a budget. I'm definitely going to steal that idea :)Malorihttps://www.blogger.com/profile/00426438363381136779noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-81881979735699350002011-09-07T17:29:28.945-07:002011-09-07T17:29:28.945-07:00Ah, I can relate, I want it all now and my husband...Ah, I can relate, I want it all now and my husband is all about saving, so we balance each other pretty well. We prioritized a long time ago that we want to spend our money on memorable experiences instead of things. That's mostly what we do unless I see a totally sweet pair of shoes. So my advice is to let your spending reflect your priorities, but set aside a little dough for some splurges (i have a small "ladies nice things" budget, no protests allowed from my husband on how i blow it)alyssa johnshttps://www.blogger.com/profile/07274194975845675830noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-16594060343776536872011-08-23T15:23:40.344-07:002011-08-23T15:23:40.344-07:00That's good advice as well. I know they'r...That's good advice as well. I know they're very useful for building credit but for now I'm content without one :)!Malorihttps://www.blogger.com/profile/00426438363381136779noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-54550462367619082592011-08-23T08:19:21.874-07:002011-08-23T08:19:21.874-07:00Love honesty in blogging about finances! Spending ...Love honesty in blogging about finances! Spending freezes, auto-deposit into savings and budgeting are all great ways to help stay on top of your finances.<br /><br />Credit cards are scary but a necessary evil. I too went all through college without having one and even (shame) through part of my adult life after college without one. I know they pose a danger for ruining your credit, but they are handy for building your credit. <br /><br />When it came time for my husband and I to rent a larger-priced condo from an individual, we had to submit credit reports. My credit was good but it was low because I was new to the credit card world.<br /><br />Do your research and see if the time is right for your start building credit. Never buy more on credit than you would in cash and always pay your balance on-time and in-full. Doing that will ensure that you only build your credit up and will be prepared to prove your credit in the future!J.Millhttps://www.blogger.com/profile/16442820672731488808noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-54961155052327967272011-08-23T08:05:55.989-07:002011-08-23T08:05:55.989-07:00Courtney-- that's a great idea! I hate gettin...Courtney-- that's a great idea! I hate getting all of those emails anyways and they are such a temptation that I may as well unsubscribe from them :). Thanks for sharing your take on this!!Malorihttps://www.blogger.com/profile/00426438363381136779noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-44493293579188776972011-08-22T17:40:17.454-07:002011-08-22T17:40:17.454-07:00This is such a timely post; I was just talking abo...This is such a timely post; I was just talking about saving money with my mom yesterday. She was doing bankruptcy counseling for awhile and it's just so terrifying to realize how easy it is to go from having enough to having nothing. Saving is definitely key, and I'm really hoping to focus more on it myself. <br /><br />As far as wanting things, I definitely get that. I try to not to buy too many things...I always get tripped up on going out to eat. Whether I'm going out with friends or just feel like I'm too busy to cook, I keep finding ways to justify it. One (small) way I keep myself from wanting things is unsubscribing from e-mail lists for stores. When companies keep throwing coupons and sales at you it's so much harder to say no! Not knowing about the coupons and sales makes it a little easier. :)Courtneyhttps://www.blogger.com/profile/01746383647270105630noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-38805719599634524662011-08-22T09:10:36.541-07:002011-08-22T09:10:36.541-07:00Mrs. Pancakes-- My parents have always told me to ...Mrs. Pancakes-- My parents have always told me to avoid credit cards at all costs so luckily I've never had one. I agree that saving for the future generally trumps whatever I want right now.<br /><br />Olivia Dee-- ha! I WISH I could cut rent out of my life. So much money and it just seems like such a huge waste. I'm glad you feel the same way though. It's very difficult to avoid splurging on fun expenses right now even though its not the best plan for the long term. Thanks for the comment!!Malorihttps://www.blogger.com/profile/00426438363381136779noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-76623330120814079532011-08-22T09:04:56.800-07:002011-08-22T09:04:56.800-07:00I'm in the same place right now. I want... eve...I'm in the same place right now. I want... everything. And I always manage to finagle my way into getting. if my mind is made up... there is no turning back. just recently the boyfriend and I began to really sit and discuss the future. what we want and how we can get there. of course at the extreme... no rent would be VERY helpful, but it's not likely. Now, we're cutting back on eating out, taking lunches to work/school. and really just sticking to the necessities. even if it means skipping over that dress or those shoes (for me). it's tough. and it's comforting to know i'm not the only one out there feeling this way. the hardest part... is when you circle of friends has a different mind set when it comes to finances.<br /><br />sorry for the novel!Oliviaaahttps://www.blogger.com/profile/12896313182013518803noreply@blogger.comtag:blogger.com,1999:blog-2360181411679921723.post-14289733783484580302011-08-22T08:57:19.474-07:002011-08-22T08:57:19.474-07:00This is an awesome post...i think as i've gott...This is an awesome post...i think as i've gotten older i realize that its better to save for what you want and need because credit cards are not worth it...ive learned to delay instant gratifications when it comes to my wants and this has been helpful!Mrs. Pancakeshttps://www.blogger.com/profile/03441934318368344653noreply@blogger.com