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-- Can we talk about people who live beyond their means?
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quote:

Originally posted by Dykes_on_Jay how do you only spend 200 a month on groceries? back home i would drop at least 150 a week. edit: didn't they trim it down to 20 or 25 years this year?

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yeah its 25 years maximum for insurable mortgages, that is mortgages with less than 20% down. If you are paying more than 20% down your mortgage amortization can go up to 30 years for a NEW mortgage.


see here:

http://www.cbc.ca/news/business/sto...-tightened.html


Since i've already signed up to a 35 year amortization, i will continue with that for the life of my mortgage. when i renew my rate i still deal with a 35 amort period.


So BTG is kind of right, but i think instead of 45, the maximum amortization period was actually 40 years.

So if you signed up with a 40 year amortization, you would still have a 40 year amortization, even if you renewed today.


so amortization you signed up with stays with you for the life of yoru mortgage. Rates, however, change on renewal based on your rate term. If you have a 5 year fixed at 2.86, after 5 years you will have to renew that percentage BUT the amortization originally negotiated stays constant


with regards to groceries, costs are shared between me and GF. so she probably spends another 200 bucks. LOL, you're making it sound cheaper to stick to outside food.


I think for 2 people 4 to 500 a month should be sufficient expenditure for groceries no?

sometimes i rent lambos and take pictures of me driving them, post it on fb and pretend i own them, just to piss off the people i have on fb from highschool

I also bug drake to take photos with me, and photoshop jay-z in with us

I like to eat good food. I cheap out on other things. Here it costs me like 50 a week. Dirt cheap. I also love cooking, which means no KD.

money was made for you to spend it.

buy that new sweater that you want.

fuck saving.

i like the finer things in life.

If a sweater represents the finer things in life to you, you have no fucking clue what the finer things are.

or that pair of jeans.

quote:

Originally posted by Dykes_on_Jay how do you only spend 200 a month on groceries? back home i would drop at least 150 a week. edit: didn't they trim it down to 20 or 25 years this year?

easily done if you're a single bachelor and manage your money correctly (i.e. cut the junk food cuz that's usually the most expensive stuff, avoid the grocery deli again due to cost, buy the budget name instead of the brand name, ramen and bologna etc lol). when i first moved out at age 18 i spent about 30-35 bucks a week on food. it was plenty for my schedule of working 2nd shift 40 hours and going to uni in the morning, and i ate pretty well i'd say. bread, sandwich fixen's, frozen pizzas, breakfast stuff, snacks, juice, eggs, ramen. that was plenty

(i don't drink milk, usually. unless it's in cereal)

also, i kinda see what lovehate is trying to say and i agree. yeah i'm all about saving especially for those unexpected emergencies, and having a comfortable nest egg for whatever, but conversely i also refuse to hoard money; i think one of the biggest wastes is seeing people save up a crap ton of money and then die and not be able to enjoy it. i mean, you bust your ass 40+ hours a week, grinding it out day-in and day-out, you deserve to enjoy the fruits of your labor.

so will my kids get an inheritance? meh, that's to be seen. i think spending the over (i'm guessing) 6 digits worth of money on raising a little bastard throughout their college years is enough. i know i personally don't care if my parents leave me anything (though i guess they have); i'd rather have them spend that money on themselves. they deserve it, and they've done enough for me already to where i could never thank them enough or pay them enough to square it up.

quote:

Originally posted by Omega_Blue also, i kinda see what lovehate is trying to say and i agree. yeah i'm all about saving especially for those unexpected emergencies, and having a comfortable nest egg for whatever, but conversely i also refuse to hoard money; i think one of the biggest wastes is seeing people save up a crap ton of money and then die and not be able to enjoy it. i mean, you bust your ass 40+ hours a week, grinding it out day-in and day-out, you deserve to enjoy the fruits of your labor. so will my kids get an inheritance? meh, that's to be seen. i think spending the over (i'm guessing) 6 digits worth of money on raising a little bastard throughout their college years is enough. i know i personally don't care if my parents leave me anything (though i guess they have); i'd rather have them spend that money on themselves. they deserve it, and they've done enough for me already to where i could never thank them enough or pay them enough to square it up.

I do agree with this.

I spend my money the way I see fit and try not to concern myself with how others choose to live their lives. From what I've observed even when people make more money they simply increase their spending. As long as I'm making enough to live comfortably I'm happy. People who save money and don't spend it, derive happiness from the sense of security of having money in the bank in case they need it. Peace of mind can be more valuable then the temporary pleasures of buying things.

quote:

Originally posted by Miss Pie ???

Oh man this just made my week. I used to have this on a cassette tape in gr 5 and listen to it at recess.

On topic- Eli's sisters have used every form of welfare and handouts they could access and use their paycheques to buy new apple shit and fast food. One still lives on welfare and the other moved back to their inlaws to mooch off of them. What really bothers me is they used to call and say shit like 'can I borrow done money? They're going to cut the cable/repo my car (again)/ can't afford Christmas presents for the kids, and then eli would feel bad and give them the money (of course we never got paid back). After a couple of thousand dollars later I called them myself and told them they wouldn't be getting any money from us. Eli makes 3 figures and they have nicer shit than we do, figure that out :/

quote:

Originally posted by wienerschnitzel Eli makes 3 figures

wat

I think she meant 6, that remains to be seen though.

lol!! sorry, yeah 6 figures.. i don't even

they a hundred aireeeee


2 CHAIIIIIIIIIINZ

3 figures confused me too I hoped it had something to do with Canadian currency.

lol I MAKE 3 FIGURES.

I make 1 figure. every 5 mins son!!!

2 CHAIIIIIINNNZZZZ

quote:

Originally posted by Omega_Blue easily done if you're a single bachelor and manage your money correctly (i.e. cut the junk food cuz that's usually the most expensive stuff, avoid the grocery deli again due to cost, buy the budget name instead of the brand name, ramen and bologna etc lol). when i first moved out at age 18 i spent about 30-35 bucks a week on food. it was plenty for my schedule of working 2nd shift 40 hours and going to uni in the morning, and i ate pretty well i'd say. bread, sandwich fixen's, frozen pizzas, breakfast stuff, snacks, juice, eggs, ramen. that was plenty (i don't drink milk, usually. unless it's in cereal)

Junk food is cheap. Eating properly in NA is not so cheap. What you listed is ghetto food that will make you fat and ugly. Try eating a low carb diet on 30 $ a weak.

80% ramen noodles i believe

quote:

Originally posted by wienerschnitzel lol I MAKE 3 FIGURES.

Sounds like it doesn't pay to skype with Russell.

Good grief.

I make a hundred bucks! once every first and 15th of every month.

quote:

Originally posted by Looney4Clooney Junk food is cheap. Eating properly in NA is not so cheap. What you listed is ghetto food that will make you fat and ugly. Try eating a low carb diet on 30 $ a weak.

i'm sayin if you're buying soda, cookies, chips, i mean each one those items i mentioned is roughly 5 bucks (24 pack, typical package of good cookies, 1 big bag of ruffles or whatever). that's basically eaten up half of 30 bucks with 3 items.

though i totally agree, eating healthy *is* more expensive. fresh veggies and quality meats are fuckin painfully expensive for the college kid on a budget. hence why most of them eat hot pockets and bagel bites. and pizza rolls. basically any variation of pizza.

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