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**Tusethede** · 09-01-2012, 12:47 PM

Very inspiring and uplifting. Your advice and wisdom is as great as your stories!

When you finally save some money, you realize in the end that it's just plain stupid to have those things you really can't afford just because you think you must have it in order to "keep up with the Jones'" You begin to think, "I could afford it, but why waste my money." If I was filthy rich, that would be another story. Then I could splurge on usless things.
The point is that with today's economic situation the only way "they" can control us is to constantly keep us in debt with easy credit.

Practice delayed gratification and don't fall for the constant advertising that, "you must have it because everyone else has it." Or that "you are not cool if you don't have this particular item." Or that "you MUST refinance your house before interest rates go up."

I think a lot of people today think they "need" so much more than they do. The other thing is so many people want to be "like everybody else".
Some examples:
If your neighbor has an SUV, you need one.
If you can "afford" a new car every three years, then by all means you should get one.
If your cell phone doesn't do all the latest tones and able to take pictures, by all means you need one.
If everyone is telling you to buy stocks, then by all means you should.
If you have a credit card, use it for everything!
These are just a few, but I am sure everyone could add more!

Save and pay cash for everything. You'll be amazed that if you just drive a used, well-maintained car for a couple of years that you bought for cash, and save the "payments" you would have paid monthly for that new car, that, in a much shorter time, you'll be able to buy that new car for cash. And you'll own it!

Speaking of paying in cash, I know a Japanese couple who have been here in America for 40 years who indeed have credit cards, but barely ever use them. When they bought a car years ago and discovered something was wrong with it, an American friend told them, "just call the bank and put a stop on the check or call the credit card company and have them stop payment." When they told him they paid in cash, he nearly fainted!

All they did was go back to the dealer and talk to him nicely, and were given a different car that was even better than the first one they got! No problem!

It is indeed amazing that the more people have, the more they usually want!

09-01-2012, 12:47 PM	#3
Tusethede Join Date Oct 2005 Posts 437 Senior Member	Very inspiring and uplifting. Your advice and wisdom is as great as your stories! When you finally save some money, you realize in the end that it's just plain stupid to have those things you really can't afford just because you think you must have it in order to "keep up with the Jones'" You begin to think, "I could afford it, but why waste my money." If I was filthy rich, that would be another story. Then I could splurge on usless things. The point is that with today's economic situation the only way "they" can control us is to constantly keep us in debt with easy credit. Practice delayed gratification and don't fall for the constant advertising that, "you must have it because everyone else has it." Or that "you are not cool if you don't have this particular item." Or that "you MUST refinance your house before interest rates go up." I think a lot of people today think they "need" so much more than they do. The other thing is so many people want to be "like everybody else". Some examples: If your neighbor has an SUV, you need one. If you can "afford" a new car every three years, then by all means you should get one. If your cell phone doesn't do all the latest tones and able to take pictures, by all means you need one. If everyone is telling you to buy stocks, then by all means you should. If you have a credit card, use it for everything! These are just a few, but I am sure everyone could add more! Save and pay cash for everything. You'll be amazed that if you just drive a used, well-maintained car for a couple of years that you bought for cash, and save the "payments" you would have paid monthly for that new car, that, in a much shorter time, you'll be able to buy that new car for cash. And you'll own it! Speaking of paying in cash, I know a Japanese couple who have been here in America for 40 years who indeed have credit cards, but barely ever use them. When they bought a car years ago and discovered something was wrong with it, an American friend told them, "just call the bank and put a stop on the check or call the credit card company and have them stop payment." When they told him they paid in cash, he nearly fainted! All they did was go back to the dealer and talk to him nicely, and were given a different car that was even better than the first one they got! No problem! It is indeed amazing that the more people have, the more they usually want!
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