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Originally posted by KKEFKA Now that would be funny to see. "Bi-way's my store I shop there cause I'm so poor." p.s Can I take you Christmas shopping with me this year?

Hahah yes its a date! Weve gotta start soon though to get all the good deals. Or maybe just wait till boxing day to buy your xmas gifts? They'll never know the difference a day later!

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Originally posted by The Wiz Hahah yes its a date! Weve gotta start soon though to get all the good deals. Or maybe just wait till boxing day to buy your xmas gifts? They'll never know the difference a day later!

lol that is to funny cause I actually did that last year with my gifts for my relatives.

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Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand strawberries in the other, body thoroughly used up totally worn out and screaming "WOO HOO- What a Ride!" Unknown

i hate money...but then of course im forced to love it at the same time. Money causes so many problems in this world. The only thing that keeps me from not spending a shit load of money when i go out is to only bring the amount of money out i wanna spend, and leave the debit card at home! dam those ATMs with the $2.50 charge!!

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Originally posted by KKEFKA Wow the summer is almost over and I’ve just realized how little money I have saved for school. I really have nothing to show for the amount of money I’ve been spending lately. I was wondering if anyone out there has any tips on how to save money better. It seems like the little things are nickel and dimming my savings away - is clubbing really that expensive?

money problems as a student are nothing compared to what they are like once you graduate, have to pay back student loans and start saving for a home. If I could do it again, I would spend far less time worrying about money during university.

IMO clubbing isn't really expensive if you get on a guest list and don't spend cash at the bar. Can be cheaper than going to a movie most nights.

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C.R.E.A.M. - cash rules everything around me

it is so hard to save money with spending the amounts of money for our lifestyles (clubbing). it actually is way more expensive than any other hobby. i just spend 47 dollars at boa and ready to spend another 60 at LoL. that's crazy talk.

I was a sucker at boa!!! I spent 80 not to mention I spend it on 5 drinks theres 40 right there!!!! but when your having so much fun guess moneys not an issue at the time.

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Great dancers aren't great because of their technique; they are great because of their passion.”

oh wow, monthly bank statement just came:

Total Debits: 1,970.02
Total Credits: 1,932.12

aawwllright!

Hmm... how about we all post our total debits and/or credits for the month? Unless such a thread already exists....

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I'm the trouble starter, fuckin' instigator.
I'm the fear-addicted, danger illustrated.

Beach420 has the idea. Think about how much money you'd like to spend at the club, add an extra $20 or so, bring that, and don't bring your bank card.

The second option is, open a savings account, and as soon as you get your paycheque, put a fixed percent of money in your savings account. Never, ever, ever touch the money in your savings account, and always make sure to put the money in there every cheque.

I use the second option because I don't like leaving myself with no money just incase something happens.

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Originally posted by StereoPrincess C.R.E.A.M. - cash rules everything around me

C.R.E.A.M. get the money,
Dolla-dollah bills y'all!

As said before, a budget is probably a good idea. You just have to stick to it. Also, a long term solution might be to invest a portion of your paychecks into investments that don't allow you to take the money out for a specified period of time. CDs can have terms that are as short as a month or so, and as long as a couple years. I try to put aside a bit of my earnings every year into a RRSP. Investing your money shelters it from your spending habits while providing you with a return on your investment, giving you more money to spend in later-days!

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"It's mercifully over. But a new phenomenon has taken hold. I recognize it: feelings. Now that they're back, even overcompensating, I never want to lose them again. Bitterness, anger, jealousy, sadness: They all make me happy."

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Originally posted by angelgirl money problems as a student are nothing compared to what they are like once you graduate, have to pay back student loans and start saving for a home. If I could do it again, I would spend far less time worrying about money during university.

werd. i didn't have a care in the world when i was in school and the government was giving me "fee" money. now i have to pay it back, and it sucks!!!!

however, i have a budget figured out and i'm sticking to it dammit!!! i used to be super good with money, and i will be again. i just figured out that just by walking to, as well as from, work i will save over $500 a year. write down every monthly expense that you have and then see how much you have left over after that...and try not to spend more than that. simple in concept, hard to execute. and like people have said, don't bring more money than you want to spend out with you...and don't bring your debit card either. and the savings idea works as well...i put $ each paycheck into an rrsp instead only cos i have a good benefits plan with work and i'm old. and it helps with income tax time, i think.

k bye!

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no my first name ain't baby. it's janet. miss jackson if you're nasty.

RRSP baby! It's safe from budget problems and it's tax-sheltered to boot!

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My party schedule:
2009-02-21 - DJ Attention @ I'm So Popular
2009-06-18 - DJ Annoying @ People Need To Know Where I'll Be
2012-11-32 - DJ Insufferable ɸ Or At Least the Stalkers I Complain About
2048-06-66 - Spastic & Whocares ¶ Although I'm Actually Flattered
9999-45-81 - Tweaker Gimp ☼ I Probably Won't Even Go To This But I Have To Make Sure I Fill Up All The Available Space Here

quote:

Originally posted by StereoPrincess C.R.E.A.M. - cash rules everything around me it is so hard to save money with spending the amounts of money for our lifestyles (clubbing). it actually is way more expensive than any other hobby. i just spend 47 dollars at boa and ready to spend another 60 at LoL. that's crazy talk.

totally true.. the clubbing takes away from all of our pockets no doubt, but we keep spending it.

I know, since I have been home from the Netherlands.. I have not stepped foot into one club, and for once I have actually gotten ahead of the game and I have saved a bit of cash.

Ask me after this weekend though how things are?

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