$1,000 or less per month

[Merrida]

My dearest, dearest Lady C: I could not have possibly said it any better. My activities follow much your own, and if anything I'm considered frugal because I do not "go out and do those things" my peers do when spending money.

If a poll were taken I'm sure the majority would agree with The Lady.

Ditto to all and everything she said, which she said so eloquently. Thank you for a statement that is accurate, direct, to the point, and exhibits the reality of living expenses (yes, even to those who live below what our net income is).

.

[Firehawk]

Originally Posted by Merrida

Lucky you DO have that high speed internet eh?

I was thinking:

Buy a trailer? Nope, can't afford it.
Rent a studio apartment 60 miles from work? Gosh who would I be lucky enough to bunk with to be able to pay less than my share of $250/month.
Gas? Well shucks, at $3.30 gallon (for the cheap stuff).....kind of washes that out.
New apartment? Nope, they want that blasted first, last and security.
Phone hookup? Dang nabbit, that won't work.
TV: Guess what? I don't get it.
Books: That's my downfall and I get them at Barnes & Noble on discount.

Then there's medical bills,-- something only one other person on this board has any idea of what I am going through which cost me over a thousand dollars a month. Oh but see, living in MA, we MUST have insurance and if we cannot afford it well heck, they'll charge us $1000/year for the penalty.

Car? Hmm, do I buy a 1979 Gremlin and pray nothing goes wrong with it and if it does they still carry the parts?

Car insurance? I could move to NH and skip it and pray I never get in an accident.

We DO live below our means all in effort to (what is it boys and girls?) SAVE money. What good is that SAVED money if we have to spend it trying to live your way to get into some God-foresaken position of trying to live under $1000/month?

Making $1000/month and then trying to live beneath it? People do that, huh? In good ole California?

Branch out pierini,....read some books, preferably financial and economical indicators.

.

Was I that other person you were talking about in regard to medical bills? Because I have plenty...and I do have insurance...sigh.

[Merrida]

Originally Posted by Firehawk

Was I that other person you were talking about in regard to medical bills? Because I have plenty...and I do have insurance...sigh.

No Fire it was not you. There is another member on this board who I used to communicate with rather frequently, and often about some personal matters, and it was that person to whom I refer that I made aware of certain medical situation of my own in which are costly,....even with insurance.

But my heart goes out to you because I know what it's like. People who are perfectly healthy and never need medical care often don't understand the need, not the high-falootin, high-stepping, high-life "luxury" of absolutely positively HAVING to have medical insurance.

I'm with ya bud, I really am.

[Maxgain]

Merridia if you do not know where I am coming from I shall let cost of living survey from Mercer Human Resource Consulting try and explain.
It measures measures the comparative cost of over 200 items in each location, including housing, transport, food, clothing, household goods and entertainment.
Dublin comes in practically equal with New York (16th and 15th respectively)
I will admit to live in New York is very expensive however this does not expand across all states. This is seen as your Los Angeles your next most expensive city is 42nd.
Ireland is not a federalist country and is very small that means even if I pack up and move the expenses for many things vary little like they may in America. The only thing that will vary noticably is a house price.
A country the size of America has only 2 cities in top 50 most expensive. This is hugely outnumbered by Europe.

Now with your weakening dollar your cost of livingon an international scale is actually cheaper.

[Maxgain]

Originally Posted by pierini

Merrida and Maxgain, I am sure there are people living in Boston and Ireland who live on far less then the amounts you quote in your posts. Maybe not as low as my client who gets by comfortably on $1,00 or less per month.

I'll see if my client (a very blue-color kind of guy) is available to give both of you some financial schooling. But you might have to move outside of life in the fast lane to do it.

You really don't need to be buying that cup of mocha blindly every morning. Make yourself a cup at home.

Dont drink mocha or any type of joe or charlie. Definatly cannot afford to fit into my expenses to pay someone to put some beans into hot water for me.

I dont eat out I prepare all my meals.

I wonder Pierini if your client eats 6 meals a day? Ensures he only eats good food even if it means paying extra?
Takes in over 3500cals in high quality protein carbs fats and veggies.
Does he get regular check ups knows his health status, that he has no risk factors that would have God laughing at his squirrel lifestyle?

I could act live on $1000 a month but whats the point Im not having my life or health a mess so I can say I save well. No point in being able to afford the best plot in the cemetery I say.

[Merrida]

Originally Posted by Maxgain

Merridia if you do not know where I am coming from I shall let cost of living survey from Mercer Human Resource Consulting try and explain.
It measures measures the comparative cost of over 200 items in each location, including housing, transport, food, clothing, household goods and entertainment.
Dublin comes in practically equal with New York (16th and 15th respectively)
I will admit to live in New York is very expensive however this does not expand across all states. This is seen as your Los Angeles your next most expensive city is 42nd.
Ireland is not a federalist country and is very small that means even if I pack up and move the expenses for many things vary little like they may in America. The only thing that will vary noticably is a house price.
A country the size of America has only 2 cities in top 50 most expensive. This is hugely outnumbered by Europe.

Now with your weakening dollar your cost of livingon an international scale is actually cheaper.

Yuh-huh. Our weakening dollar is making it cheaper to live. Oooookay.

[Maxgain]

Originally Posted by Merrida

Yuh-huh. Our weakening dollar is making it cheaper to live. Oooookay.

On an international scale (for europeans etc) which i said, obviously yes.

[Maxgain]

also is that your new argument? Where is your response to the other 90% of my post?

[Merrida]

Originally Posted by Maxgain

On an international scale (for europeans etc) which i said, obviously yes.

Yeah, yeah, yuh-huh, okay.

[Merrida]

Originally Posted by Maxgain

also is that your new argument? Where is your response to the other 90% of my post?

I'm a concise writer.

[Maxgain]

Originally Posted by Merrida

I'm a concise writer.

So concise you leave out your argument?

[Firehawk]

Originally Posted by Merrida

No Fire it was not you. There is another member on this board who I used to communicate with rather frequently, and often about some personal matters, and it was that person to whom I refer that I made aware of certain medical situation of my own in which are costly,....even with insurance.

But my heart goes out to you because I know what it's like. People who are perfectly healthy and never need medical care often don't understand the need, not the high-falootin, high-stepping, high-life "luxury" of absolutely positively HAVING to have medical insurance.

I'm with ya bud, I really am.

As much as I think it's really sh*tty with the situation that we are all in, even though we have medical insurance, I still thank God that I DO HAVE MEDICAL insurance. The statement came from my surgery on Friday, and holy crap...for 4 hours of surgery, which is considered major heart surgery but it's baout the minorest heart surgery you can have done, it cost 57k and change. That's ridiculous. They broke it down as well for every little thing. I mean for a guy to come and pull out the sheethes from my wound and hold pressure on it for 20 minutes, they charged 400 bucks. Boy I wish I got paid 1200 bucks an hour LOL.

[westside24]

this statement is directed to Pierini!!!

I toldmy mother that someone called me financially irresponsible. then she reminded me of things. Like How I didnt get my first credit card til I was 22!!! I was already working at walgreens still living at home. My point is I had plenty of money to buy my rims and tattoo, But I put these on my credit card. to help estabilish credit. which i was and I am doing fine paying this credit card bill, I no longer use the credit card, since I have real good credit and enough credit now.

I only got approved for my truck because I was a member at my credit union since I was 19 or so. and my old best friends mother is the loan officer at the one closest to me. meaning I got approved not only caz of her, but thats what credit unions do, they back there clients up even though there credit aint the best.

I only got my credit card of what was originally 6000 limit thru bank of america, because of my income. since I have great credit history they since moved it up to 8000. <-- not that I requested that. Loan officer at 5/3 bank told me that if I request more I could prolly get way more. I was talkin to him for pre-approval for my home loan.

Alot of this may seem irrelevant, but I cant explain things good, unless I tell a great detailed story.

Thanks for listening, I hope you re-evaluate your opinion about me

[Firehawk]

I didn't get my first credit card until I was 28 and I really don't want it now, but sometimes I need to use it. I find it's alot easier to say "ok i'll get that" since you have unlimited buying power. I can see how people rack up thousands without much thought to it. It feels like free money at the time you're using it, and the reality doesn't come until the statement is in the mailbox.

My mom would never let my sister or I put our car insurance on hers to get a cheaper rate even though it would save us hundreds of dollars a year. She did that to teach us responsibility and I'm glad she did.

[Merrida]

Originally Posted by Maxgain

So concise you leave out your argument?

Well golly darn, if you had read my previous posts, you would see I made several substantial arguments. No need to repeat myself. Just hit the back button, read,....re-read if you must,...digest, and process.

.