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People Divulge The Stupidest Financial Decision They've Ever Made

Finance and financial management really needs to be a part of all school curriculums. Seriously, who needs PE every single year?

And what in the world is the point of a free period? Also, trigonometry... just no. Learning about how to make and properly handle money would change the outlook for everyone.

Learning that it doesn't grow on trees or that one day we'll have to make our own and turn on into survival... that seems like a more dire and useful life lesson.

Too many people make far too many stupid mistakes that keep them in debt and unhappy, and that can be avoided.

Redditoru/viKiKing0wanted everyone to own to some mistakes involving money by asking:

What was the stupidest financial decision you ever made?

Talk about hindsight, I cry when I think about my past financial mistakes. And it all started with those damn CD deals... I hate you Columbia House!! Also, I believe several libraries have me on a watchlist, should I ever dare to rent another book without settling my debts.

No Thanks

Lift Off Moon GIF by StakinGiphy

"My friend: hey you should buy these bitcoin things, they're only 20 cents each and it's sort of an interesting idea."

"Me: oh, yeah, sounds interesting... I'll look into it."

"Never looked into it."

- dedokta

Tasmania

"My now wife and I were renting a terrace house for $50 a week. The landlord who was a very strange cat offered to sell us the house if we paid the weekly rent for 10 years. Rent per year was about $2600 so for $26000 we would have owned a house. We were 20 years old and ten years was forever so we said no. That was my BIG mistake."

"To people who have asked: The house was in Tasmania. About 40 years ago. At that stage I was earning about $250 per week. It was double story, 2 bedroom terrace house. We bought a house about 6 years later for about $75000. We knew the landlord, he was divesting a lot of properties he owned."

- 1999falcon

Peanuts

"Was a 10-99 day trader out of college. Didn't pay taxes for a year or two. Making peanuts, IRS won't notice, right? The penalties were more than the original amount owed. Had to put $6,500 on a credit card (bad choice #2). Sent me on a 20 year whirlwind of credit card crappiness. Should have paid my taxes. Should have set up a payment plan with the IRS."

- LurkersGoneLurk

"Turning down the only 6-figure salary I've ever been offered because the job required travel for 6 months of the year. I could've spent a year or two there and then gone on to bigger and better things, seems like a reasonable sacrifice in retrospect."

- libra00

Be Smarter at 22

Dummy Feeling Dumb GIFGiphy

"Getting a payday loan when I was 22. It was small and I got out of it, but I can get definitely understand how someone can get caught up it it and not get out."

- HannahHarriet

These Are The Worst Job Interviews Ever | George Takei’s Oh Myyy

I'm so confused about this Bitcoin. Yay or Nay? Someone let me know. And lesson one for the youth, read all the fine print when signing off on loans. You'll never escape them.

Kim K Coin

Kim Kardashian GIF by KUWTKGiphy

"Gotta be the Kim Kardashian app. I quickly established the need to delete it. As I was spending actual money. For fake clothes."

- dubaichild

Years Later

"My ex and I moved in together. Paid half each for deposits and all the bills etc. I took out a 4k loan in my name and bought furniture with it, I also bought us a 1.5k bed on finance. My mistake was not getting it in writing that as I was paying the loans anything purchased with that would be mine. I walked away with an £800 telly and nothing else and was still paying the loan off for 1.5 years after I moved out. In the future, I will be keeping receipts and written agreements!"

- sp*troastyomum

Mismanagement

"Taking the advice of a financial advisor in 1996 to invest $5000 into a labor-sponsored mutual fund rather than buying Apple stocks like I wanted. Current value of mutual fund: $200 and in litigation for mismanagement Calculated value of Apple: $5,800,000."

- milesmac

Maxed Out

"I took out the max on my grad school loans because it was important that my ex was able to stay home to take care of our 2 year old daughter. It was a great decision for my kid, don't get me wrong, but I now have a mountain of loans that I thought we would use both our incomes to pay off. Instead she left me for a dude with more money."

- timp_t

Bad Baby

"A friend convinced me that Beanie Babies will continue to rise in value. I've lost over 25 thousand dollars I had "invested". Plus, I still pay every month for a storage unit to keep these toys."

- hans_to_the_max

Deep Cuts

"Joining Cutco. I only ever sold a few of the damn knives. However, I will admit that I like their products. I still use one on a regular basis and it's held up well."

- Ermaquillz

Life lesson? Be smart. Enjoy your money but don't outspend your means. You're not a Kardashian. And be thankful for that. Also, money is never free. There is always a catch. Be aware!

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People Divulge Their 'How I Almost Died' Experiences

"Reddit user Typical_XJW asked: 'People who have cheated before, why did you do it?'"

An hourglass with blue sand sits among a field of rocks
Photo by Aron Visuals

Just the other evening, I was walking home, and I barely survived.

I tripped on a dead tree branch.

The next thing I knew, I was flying in the air and landing on my back.

My belongings were strewn about.

And my to-go burger was dead.

A simple walk.

A simple dead branch.

And almost lights out.

Redditor Typical_XJW wanted to hear about the times people eluded death, so they asked:

"How did you almost die?"

Don't even get me started on any and every car ride.

We're always moments from the end on highways.

Back in the Day...

Hunger Games Student GIFGiphy

"Almost drowned when I was 5 or 6, been hospitalized twice for sepsis between 2016 and 2019, and had a stroke this year. I'm 29."

ChristmasKid88

On the Disk

"MRSA infection in the disk on my lower spine between L5 and S1. Showed up two days after a cortisone shot but the hospital said it was from something else. Was in hospital 25 days multiple emergency surgeries."

EatA**FromBack

"I worked for a doctor who did these in-house and other procedures, and it 100% made me not trust medical facilities, cleanliness, and sterilization procedures. Had about twenty patients all come down with the same gut infection, 'coincidentally,' the same patients who came in for endoscopy procedures the same day."

dimlylit_

Saved

"Saving a younger friend from drowning, he panicked and almost took me out."

loztriforce

"Had that happen with a younger cousin when we were kids. His brother and I went to save him, he climbed on both of us and pushed us under. Lifeguard didn’t even see us until he pulled younger cousin out of the water, then we popped up gasping for air."

coffeejunki

Shucked

"16-year-old farm kid me, stepdad told me to go pick up a load of corn seed for planting. I had gone with him many times before, and driven the truck (full ton dually diesel) and hauled light stuff with it. Nobody told me how different it is to haul 10,000 lbs of seed on a big flatbed trailer on gravel. I had a lot of common sense and was driving slowly and carefully."

"Still… 10,000+ lbs pushed me down a gravel hill skidding, praying to god I stopped before the stop sign at the T intersection to a busy highway. I came to a grinding halt JUST as the front of the truck crossed the plane where the gravel turned to asphalt. A semi was coming from one direction and regular cars from the other. I shudder thinking about what if on that one. Don’t let untrained kids tow potentially deadly, heavy trailers, with zero training."

datnetcoder

Finding Tracks

College Sports Sport GIF by Sealed With A GIFGiphy

"Was backwoods camping in Yellowstone and if I hadn’t considered for 30 seconds if I REALLY needed to get up and go to the bathroom in the middle of the night, I would have walked out of my tent headfirst into a brown bear, which I heard before leaving and found tracks of next to my tent in the morning. Spookiest moment of my life in hindsight."

danvo5

Bears are a no go for me.

Camping is an even bigger HECK NO!!

Several Strikes

Reassuring Jimmy Fallon GIF by The Tonight Show Starring Jimmy FallonGiphy

"Twice. 1. Woke up to my apartment on fire."

"2. Hit head-on by a drunk driver on a small bus, just after everyone got off bus exploded."

lizard_king0000

Oh Barb

"Lmao okay, so I was getting my teeth cleaned, and I got nitrous oxide because I have so many exposed roots. Well, my hygienist at the time was this lovely lady from Minnesota. Kinda flaky, but super sweet, and talked about her family all the time. So I'm in the chair and she hooks up my mask, and away we go. I actually fell asleep! Except not so much."

"Turns out Barb had forgotten to turn the oxygen on and had been feeding me straight nitrous. She only noticed because I started gasping for air while unconscious. So that's how I almost died at the dentist. I never saw Barb again, but I tell you, that was the best nap of my life!"

CharismaticAlbino

Climb Up

"I was snorkeling. I had my other stuff stored on a rock by the water, about 3 meters high. When I got out, I decided to climb straight up. Almost at the top, the rock I was hoisting myself up on came off and I fell back first onto the coral. If a friendly wave hadn’t come in, I would have broken my back, at least."

Yugan-Dali

Blood Loss

"I was diagnosed with a rare fatal blood disorder from birth, doctors projected I’d live till about 6 and then die from massive blood loss. As this was the mid-90s, they tested the idea of using stem cells from my sibling's umbilical cord; administering the first successful stem cell transplant from a sibling donor and I’m still here to tell the tale!"

Material_Cry1697

These were some tremendously close calls.

Do you have any near-death experiences to share? Let us know in the comment below.

Paper heart ripped in half
Photo by Kelly Sikkema on Unsplash

When it comes to the dating scene, most of us have a pretty low opinion of people who choose to cheat on their partners, not to mention serial cheaters.

But that doesn't seem to stop some people from doing the deed.

Curious, Redditor miaah214 asked:

"People who have cheated before, why did you do it?"

Revenge Cheat

"He cheated first, and I was young, petty, and thought revenge would make me feel better."

- Witch_on_a_moped

Immature and Selfish

"Unbridled ego, unsatisfying regular sex life, and a girl who threw herself at me."

"I was an idi*t, I acted like an a**hole, and I will regret it for the rest of my life."

"It was a hard truth to face. It was a dark time in my life where my ego and my immaturity caused me to hurt several people I loved."

"Fortunately, I learned from it, and while I can't take back the pain I caused, at least now I know that I am 100% capable of being an a**hole and so can choose not to be one."

- Seba_King

Insecurity

"Insecurity. I was always on the lookout for someone who would make me feel more desirable than the last. It was a serious youthful lack of judgment."

"Once I grew up emotionally, I realized what a piece of s**t I was and the hurt I caused. Hard to live with, to be honest."

- Penfold_for_PM

Just Desire

"100% pure lust. That’s it. I’m not proud of it."

- mydepressingpoems

Lots of Options

"Willing partners. It was amazing how many times when I did have a steady girlfriend that I would suddenly get propositioned by random women or worse yet, my girlfriend's friends or sisters."

"Too many times to be a fluke."

"It was like they figured if you are in a relationship, you're worth pursuing."

"But when I was single, most times I couldn't get a woman's attention."

"So it was an ego boost, but ultimately, I decided to be a better person, and I met a person who I truly thought was 'the one.'"

"And to a certain extent I did, it just didn't last through no fault of my own."

- Patient-Quarter-1684

In Need of Validation

"When you grow up being in turn neglected and told you're not good enough, validation is like a drug, and intimacy is the ultimate validation."

"Sooooo much therapy to undo this."

- RowhammerBitflip

"This. I’m just recently realizing how I didn’t receive enough attention and validation from my parents and how much it’s influenced my choices. Meeting someone and having them be into me physically is the easiest validation boost I can find."

"People who grew up with parents actually interested in them and with an instilled sense of self-confidence don’t know how good they have it."

"I don’t inherently feel important or relevant so I’m always looking for someone to tell me otherwise."

- tellitothemoon

The Thrill of It

"Because I was a f**king a**hole 20-year-old who only thought of himself and getting some action. The high of it."

"I'm 37 now. No cheating since then."

- Temporary_Fault6402

The Real Joy

"My ex was done in the bedroom and even said they were no longer interested in me physically or sexually."

"I should have left at that point, but with kids and the financial hit of divorce, I just looked to fulfill that need."

"I later divorced, and it was a big financial hit, but oh my god, what a relief it was getting out. Getting out of an abusive relationship is where the true pleasure comes from."

- loomdog1

In Need of Attention

"My partner cheated on me shortly after I had his baby. I wanted to leave, but I convinced myself to stay. The logistics of having a baby and 24-hour care are challenging on your own. He refused to have sex with me."

"At some point, someone got me in a weak spot. Somewhere between exhaustion, low self-esteem, and the sheer opportunity of having an orgasm were too strong for me. I’m deeply ashamed."

"Shortly after I picked myself up, the relationship ended. I should have left sooner."

"Someone telling you that you are beautiful, talented, and special after being invisible can feel like a drug. I don’t expect sympathy from anyone for my actions. But I do have a lot of sympathy for others now."

- throwawaythrowyellow

The Easier Option

"Because I chose a cowardly and easy path. Instead of going to therapy and ending my toxic relationship, I cheated on them with someone who I had convinced myself I was in love with and loved me."

"As it turns out, breaking up with someone is a lot less harmful to everyone involved than cheating."

- dodongosbongos

Devastating Choices

"Not me, but a guy friend cheated and the reason he gave was that he loved his fiancée but they had very different sex drives."

"He also said that when he brought it up to her (the difference in their sex drives and the problems it would cause) she begged him not to leave and insisted it wouldn’t be an issue."

"He told her it already WAS an issue and, as a last resort, she said she would understand if SOME DAY he felt the need to look elsewhere…just as long as she never found out."

"The girl admitted to saying all this but explained that she would have said anything for them to stay together in that moment, she didn’t think he’d actually be 'f**ked up enough to cheat' and she never imagined he would do it so soon."

- Dramiotic

The Perfect Combination

"A perfect storm of poor impulse control, untreated mental illness, and boredom."

"People on the moral high ground will tell you not to cheat for reasons like morality and integrity; from the moral low ground, I can tell you that the lifelong guilt, shame, and remorse are not worth it."

- LowCarbBeesechussy

Emotionally Done

"Because the relationship was done and I was already moving on emotionally. I just didn't care about her enough to care whether she was hurt or not. Honestly, in hindsight, I have zero idea why we were still together. It DID make the eventual breakup a lot messier."

"I was young and it taught me an important lesson. If you're done, just be done and leave. There's no point in dragging it out. If you're ready to start looking for another relationship, start by ending the relationship you're already in."

- codefyre

Ready to Make Up for It

"I had a perceived lack of affection. I felt ugly and disgusting and like I was just an emotional tampon."

"I would never do it again. In therapy, I learned a lot about the reasons I did what I did and in all honesty, if she would even entertain the idea of trying again, I’d spend every day making up for it and making sure she felt more love then can be imagined."

"I’m currently fulfilling into the man I know I can be. I just wish it took a more positive trigger in order to start that for me."

- Anthonys455

Let's end it -- the article, that is -- on a lighter note.

The Worst Kind of Cheating

"My wife wasn’t around. The house was empty."

"I couldn’t wait for her to get home, so I watched the next episode without her knowing."

"Honey, if you’re reading this… I’m so sorry."

- six6sickx

"You're a monster."

- Efficient_Ad_8367

It's so hard to imagine what's going on inside someone else's head or why they might choose to do the things that they do, especially if it's something we don't agree with.

It's at least heartening to see that many of these Redditors used these experiences as learning opportunities and have since gone on to treat the most treasured people in their lives a little differently.

Smartphone showing a lighting switch app
Moritz Kindler/Unsplash

Making yourself feel at home takes work but not as much as you think.

Homeowners, for example, are apprehensive about renovations because of how much costs.

Even tenants renting a home can feel like they're stuck in a situation where they don't feel comfortable because of minor inconveniences they think requires major solutions to fix.

Cut to this Reddit thread, where the ideas for affordable home improvement options were shared that may make you wonder, "Why didn't I think of that?"

Curious to hear some tips from strangers online, Redditor Super_dupa2 asked:

"What small upgrade made a huge difference at your house?"

We tend to overcomplicate things when solutions can be simplified.

Taking Charge

"Methodically buying phone chargers with long enough cables to not have to ever move one again."

– ihadtowalkhere

"I am a pretty mellow dad (benign neglect parenting style for 5 kids) but I have two rules. Nobody messes with my bedside charger and nobody steals my two pillows."

"So, as such, I make many, long chargers available for everybody. It costs me a fortune:)"

– nicktam2010

Hello Darkness, My Old Friend

"Blackout curtains for sleeping. Such a game changer."

– blehbleh1122

"And they keeps my bedroom cooler."

– BunjaminFrnklin

"Insulated blackout curtains make a 10f difference in my living room on hot days."

– TryUsingScience

A Cool Idea

"Attic heat exhaust fan. Our attic used to get up to 140F on the hottest days, and on those days our ceilings were hot to the touch. The whole house was consequently uncomfortable. Now the attic fan is thermostatically controlled to 90 degrees, and the whole house is cooler."

– jermleeds

"I added a passive whirly bird that does the same thing. Heat rises and escapes before it can accumulate to those extreme levels. It also happens to be clear acrylic so now there's always light up there too which helps keep away any vermin.

– cantwejustplaynice

No major bathroom renovations are required to make tenants happy.

No More Slamming

"Soft close cabinets and toilet seats."

– AreWeCowabunga

"We have a soft close toilet seat at our home and every time I'm at a hotel, I completely forget that they aren't usually soft close and the slam startles me 😂"

– PinkHamster08

Nozzle Upgrades Can Do The Trick

"A better shower. If you can't redo the whole bathroom, just replace the head. This also works if you rent, just keep the old one in a box, so you can bring the nice one to your next house."

– maartenvanheek

"I'm a renter and I finally installed a better shower head this year, after just using the default head in all my apartments for almost 20 years. 10/10, highly recommend."

– Am_I_a_Guinea_Pig

Perfect Welcoming Gesture

"My wife and I own a smallish apartment complex . One of the things we do every time a new tenant arrives is replace the toilet seat. I learned that trick from my parents who had about a dozen single-family rentals. It's amazing the goodwill you receive from a tenant simplify giving them a new toilet seat. We actually put the box behind the toilet so they know it's new."

– YouInternational2152

It's electrifying!

Think Smart

"Smart outlets for Christmas lights, both inside and outside. I have them scheduled to turn on at sunset and turn off at midnight."

– Revolutionary-Try746

"Smart outlets are one of my favorite purchases. During Halloween and Christmas, we’re using multiple outlets for inflatables, house lights, and tree lights. The smart outlets allow you to have everything synced so they all turn in at the same time."

– cppadam

Things Are Looking Bright

"Replaced dated lighting fixtures - fixtures are now properly grounded, the interior looks more updated, and there is more/better light."

– SnooCauliflowers9981

Energy Conservation Option

"Motion activated light switch for the laundry room. Never have to worry about turning off the light when leaving with an arm full of clothing."

– AmazingAsian

Creating an environment can make a huge difference.

Source Lighting For The Win

"Lighting can absolutely make a huge difference in the way you feel in your room. Get some shoulder height (when you are sitting) lamps for your living room. You will notice a shift in how much more relaxed you feel when you use those instead of the overheads."

– ShoesAreTheWorst

Home Art Gallery

"Spending a day mounting my artwork. It felt so much more like my home after that."

– GinGimlet

"Every time I've moved, I put that off for way too long, then finally break down and do it and the house feels so much better to be in."

– Triolion

One major upgrade was our VE hybrid tech water boiler and warmer we got from Japan.

The Zojirushi kitchen appliance uses VE, or vacuum electric, technology for very minimal electricity to maintain the water temperature at a constant 195° so we always have hot water at the touch of a button.

There's no more time wasted boiling hot water over the stove every time we want tea or the occasional instant cup noodles.

Game changer.

man with girl on his shoulders

Brittani Burns on Unsplash

"Daddy's Girl, Daddy's Girl, I'm the center of Daddy's world..." ~ "Daddy's Girl" by Red Sovine

A lot has been written about the bond between fathers and daughters.

But there's always room for improvement, right?

And who better to offer constructive criticism than daughters?

Keep reading...Show less