Wednesday, January 7, 2015

Budgeting and planning groups are out of control.

So this year I am really going to get back on track with planning things out and budgeting our expenses. It's kind of a necessity at this point so I shall do it. I thought a good way to motivate me and maybe keep me on track would be to join some Facebook groups that are all about that, maybe I would get some good tips and learn some new things to make it easier on me.

Unfortunately, it has done the exact opposite.

Mostly because people are really stupid. And I try really hard not to call someone stupid but these people.... I'm telling you. Here are a list of questions that have come up on the various groups I'm in, just in the last week:

I can't afford my car. What should I cut out of my budget so I can afford it? I really love it. Yes, that's a real question. There are still people out there driving cars they like, but cannot afford, and are willing to not eat so they can keep it another month. The suggestions on this post all ranged from "reduce how much you eat", "turn your heat off and just bundle up", "sell stuff out of your apartment", "try to go without insurance", etc. Not one of the 50+ comments said, "If you can't afford it, you need to sell it and buy something you can afford. Pay off your debt and you can afford a super fun car then." Not one.

We are over $20K in debt, just with credit cards. That doesn't include our mortgage, two car payments and our boat. I'm so mad my husband said we can't afford a vacation, I feel like we can. I also hate that my spending money is now only $200 a month. This feels like I'm living in a third world. It was ALL I COULD DO to not comment. Because judging by the responses that were given, I would have been burned alive. First off, if you have $20,000 on CREDIT CARDS, you are in serious trouble. I can't even fathom that. Just from the question alone I would assume they drive nice, expensive vehicles and have a swanky house. None of which they can afford, clearly. And then to "only" have $200 in spending money? Oh my god. I didn't know people had a budget line item for spending money. To me, that doesn't exist. At least it shouldn't when you're this far in debt. God damn. Learn some self restraint, people.

How much do you budget every month for planning stickers and supplies? Yes. This is in a group where people are learning how to SAVE money, pay off debt and be more frugal. Then the responses are anywhere between $20 and $100. ON STICKERS. Let me be clear, people are paying MONEY for STICKERS that go in planners that you eventually THROW OUT. This is a real thing.



Now, I'll be honest. I've used Washi tape in my planner for re-occurring things and I needed to find them fast in my planner on a moments notice. To my credit, I'm a scrapbooker and card maker so I already had it on hand and made what I had work for me. There isn't a chance in hell I would actually buy something in the name of decorating my planner. That is the most ridiculous thing I have ever heard of. And then to spend that much on STICKERS. This isn't middle school where we decorate our book covers. Come on, now.

I'm absolutely astounded that people don't understand basic money management skills. There are a lot of people out there who have no idea how to make a budget, have no idea what you need to pay down first when trying to be debt free, have no ability to say no to themselves or to say, "You know what? I really want _____, but I'm also broke, so I'm just going to wait." None. Not able to do that at all. I can't even wrap my head around this. The only positive here is that at least I feel like a genius if I peruse through posts long enough.


jn said...

Hi Sara !!
As usual, you are a hoot !! isn't it amazing the exccuses people give themselves to not say no to something. You just figure your own out and learn to just say "no" won't last forever...just seems like it will . lol Take care dearie.

Unknown said...

I cannot even imagine being in such denial!! People are stupid. They don't realize what sacrifice is. I cannot believe someone had the nerve to be thinking about vacation being $20K in credit card debt and that's not even including the mortgage and all the other stuff!!! Wow. Major reality check in order.

Ruth said...

Did you hear about the guy that shot and killed his dad because the dad cut his monthly allowance by $200. The man was 30. If I have $100 left at the end of the month, I am excited. But, then I usually have to send it on something we need and excitement quickly fades. I wish I had sticker money.