Things That Scream 'I Make Terrible Financial Decisons'
Reddit user Mysterious_Fudge171 asked: 'What screams "I make terrible financial decisions?"'
How people manage their money can be a very contentious issue.
Some people have an air-tight budget, which they wouldn't dare stray from, even if they aren't even close to living paycheck to paycheck.
Others don't worry too much about how they spend day in and day out, even if they are still aware of how much they have in their checking and saving accounts.
Then there are those who love to spend money and are very good at doing so, but the concept of savings and a budget seems to escape them.
Often finding themselves confused by being in over their heads in credit card debt, despite the thousand dollar shopping spree they went on last week.
"What screams 'I make terrible financial decisions' ?"
"Tale As Old As Time..."
"Burning friends by asking for 'emergency' money, (based on some fake story), that you will never repay."
"Yes, oddly specific."
"Yes, all too common."- urkldajrkl
Children Are Meant To Have Hand-Me-Downs, Right?
"My neighbor can’t buy her kids school shoes."
"But has custom rims and wheels."- Comfortable-Rate497
The Military Is not Known For Being Lucrative
"A Private in any branch of the military buying a Dodge Charger."- Lukanian7·
dodge GIF by Off The JacksGiphyRe-sale 101?
"My ex SIL went to Walmart and bought a sh*t load of nail clippers, files, polish, and anything to do fingernails with."
"I asked her what the hell she planned on doing with all that."
"She told me she was going to start a flea market."- Buddyslime
If You Have To Ask, I Can't Afford It
"When you ask them how much they paid for something and they only know the monthly payment amount."- jiggeroni
Payday!!!
"Making impulsive decisions right after getting paid."- daisiesandpoetry
Pay Day Money GIFGiphyCoffee Is Where Some People Just Won't Compromise
"I know someone who is always struggling with money."
"Then I found out he has individual cups of Dunkin Donuts coffee delivered to him (via third party apps of course) while he's working at home."
"You know, instead of making a pot of coffee for yourself."- MrFishpaw
Warped Priorities
"Can't pay rent on time, but never misses a night out."- jessie_monster·
Makes Perfect Sense...
"A family member of mine has been begging money from everyone."
"He says they don't have enough money for food / rent / fuel for his wife to get to work or for tires."
"We own a tire shop, and offered him a set of used tires for $40 if he will help mount them (it's a job he's familiar with)."
"He said he didn't have $40."
"He goes to my sister in law and says he needs to make money for tires."
"She starts paying him daily for doing some remodeling work for her."
"He informs her on day 3 that he won't be available for the next two weeks because he is going on vacation to new Orleans."- Desperate_Camel_4159
car help GIF by Bubble PunkGiphyOnly The Best...
"Having the top of the line everything with a minimum wage job."
"Unless you are an unlicensed pharmacist on the side."- Ellieoconnor
Savings Accounts Exist For A Reason
"Every time you get a chunk of cash, you think you have to find a way to spend it."- Sponess
And They Don't Worry About It Getting Scratched Or Stolen...
"Expensive flashy car in the low-rent apartment complex parking lot."- Kedosto
car gold GIFGiphyJust One Click...
"Getting into debt to buy luxury products online."
"The vast majority of luxury customers aren't millionaires, they're regular people who earn below 6 figures."- lehmx
Moochers Gonna Mooch...
"When you have a 150k 'allowance', a free house and vehicle and you're still dead broke for 4 -5 months of the year."
"Sound specific? It's my entitled piece of sh*t uncle."- bhenghisfudge
They Notice...
"Fancy pickup truck with bald tires."- grondfoehammer
Chevy Truck Ipofshow GIF by Off The JacksGiphyWhen presented with a large sum of money, it is hard not to immediately think of how you plan to spend it.
Often forgetting how nice it would be to have it sitting in a savings account, should you find yourself coming up short on rent or bills.
After all, who can truly enjoy fancy things if you know you can't afford them?
Rich People Privileges That They Don't Realize Are Actually A Privilege
It's the little things we take for granted.
Buying a cup of coffee from our corner bodega, going to a movie every now and again, and choosing to take a taxi instead of the subway.
Things that seem trivial to us, but are a luxury to others.
Who worries if they spend that $3.50 on a cup of coffee that they won't have enough to pay this month's rent or electricity bill?
A lot of folks.
Even people who don't live in the height of luxury tend to overlook that they live a privileged life in the grand scheme of things.
A life many others deeply envy.
"What privilege do rich people have that they don’t understand is actually a privilege?"
When You Don't Have To Stop And Think
"Been very very poor and now comfortable."
"Not having to worry about bills is something I think rich people will never understand until it happens to them."
"It was awful trying to decide who to pay and dealing with the ones we couldn't pay."
"The stress was absolutely horrific."- CurvePuzzleheaded361
"I honestly just can't imagine a world where money wasn't a constant ache in the back of my mind."
"Gotta pay rent, gotta pay for food, car broke down time to empty our savings again and eat ramen for a month."
"So I'd say the privilege they're least aware of is not having that sword of destitution around every corner constantly dangling over their head."- Magic_Man_Boobs
"Having to check how much you have in your bank account before going into a store."- Reddit
Having The Law On Your Side
"Being able to afford good legal representation."- evmarshall
"Access to a competent lawyer who has time for them."- Dad_Bod_Gain_Train
Not Needing To Contribute To The Family.
"Comfortably doing an unpaid internship as a student."- SuvenPan
The Luxury Of Choice
"Chasing your dreams."- TheClayroo
"Privilege to fail and have a fallback."- AssistantFew7109
"Having money to fix whatever is wrong in your life."
"Having options and choices."- Historical_Ride8963
No Planning For The Week
"Being able to eat something different all the time."- probably_kitsch
Never Being Cold
"Being able to have the heating on 24/7."- Hip_wizard
It's All In Their Behavior...
"As someone who grew up poor, went to a rich private college on scholarship."
"Understanding the norms of upper middle and upper-class life."
"Poor people raise their kids with different values, ways of talking, ways of thinking, accents, different skills etc."
"It was a steep learning curve for me."- miltonfriedman2028
When You Can Hire Someone Else...
"Not having to worry about little things that take up poorer people's days."
"ie yard work, shoveling snow, cleaning the house."- Cynicole24
Not Living In Fear
"Freedom from the constant overhanging worry about money."- The_Safe_For_Work
"Never being afraid some unexpected expense will cripple your entire livelihood and possibly destroy it entirely."- Wimbleston
It's also rather ironic that the number of people who never bat an eye about spending any sum of money almost always feel bad for themselves about something.
Making them in need of an even bigger reality check than they were already entitled to.
The Most Surprising Things People Discovered After Marrying Someone Poorer Than Them
"For Richer or poorer".
Vows people make to their soon-to-be spouses, though likely hoping their situation will only be "for richer".
Indeed, money remains one of the most divisive issues between two people, even spouses.
Particularly when one spouse came from a far less financially stable upbringing, and thus has very different views on money.
Namely, how to spend it.
As a result, the half of the couple who came from a slightly more stable upbringing begin to learn more and more about their spouse, and how their financial situation changed them.
Not only their spending habits, but their views of the world.
"Rich people of reddit who married someone significantly poorer, what surprised you about their (previous) way of life?"
Planning A Budget
"Making financial decisions based around the three paycheck month."
"If you're paid every two weeks, most months you get two paychecks, and all of your monthly bills and budgeting is based on those two paychecks."
"But twice a year there are three paydays in a month, and that's when you can actually solve problems."
"That's when you can get the car registered, or fix the dryer, or get the cat spayed."
"The other 10 months you're doing maintenance and trying to scrape by."
"Three paycheck months you can actually try to fix problems."- appleciders
Intimidating Food...
"More of a funny incident, but I was the poor one."
"My husband, at the time still boyfriend, took me out to a very nice restaurant."
"Waiter ask if I want pepper on my Caesar salad that was just made table side. I said sure and he goes about it."
"Thing is, I didn’t know you had to say stop."
"My husband slowly realizes this, but decides to see it play out."
"He did eventually say that I need to say stop."
"I just thought a Caesar was had this way as it was my first time even eating a salad that wasn’t just iceberg and ranch dressing."
"It still tasted fine, just a little bit too much pepper haha."- singlewhitewolf
Vegan Vegetables GIF by Dan WoodgerGiphyHow The Other Half Lives
"I was adopted at age 7."
"I lived in extreme poverty and then all of a sudden I lived with a doctor who bought gifts for birthdays and Christmas."
"I didn’t know that was a thing."
"I didn’t know you could go to the store to get food."
"I just thought you went to the church and had to pray before they give you a bag of food."- 0slinedupon24hrclock
Speaking In Code
"When the family had people over for dinner, if they ended the prayer before the meal with 'F. H. B., Amen'."
"It was a signal to let the children know that they don't have enough food for everyone, so take smaller servings and let the guests get a regular serving."
"FHB = 'Family, hold back'."
"They were always generous to their friends and didn't let their lack of funds embarrass themselves when doing so."- Cartoonlad
Classic Conditioning
"Honestly, food insecurity."
"When we were first married she would get visibly uneasy if the food in the house was running low."
"She never overate or anything, she was just always concerned about it."
"A lot of times when she was younger, she went hungry."
"On the humorous side though, she hates camping."
"Her answer is always the same: 'I camped because it was fun, she camped because they couldn't afford hotels'."- r-cubed
It's Always The Little Things
"She and her mother lived with her grandfather to not be homeless because her grandfather owned a house."
"She was putting community college payments on her credit card and building debt with it."
"I paid off her credit cards when we were dating and she cried from me being so nice."
"It was only like 1,300 bucks."
"I bought a condo, then we got married, then we bought a house."
"I never really considered myself rich until i started dating her and learned that a trip to Wendy's was a treat."
"I grew up middle class, and we are currently middle class, heh."- Amazingawesomator
Simple Pleasures
"My wife was born and raised in the Soviet Union."
"She still goes crazy for fresh fruit like it's the most extravagant luxury."- TheDJFC
Coverage
"The prevailing mindset in his community growing up that insurance was something only rich people had."
"Not health insurance, mind you, well, not just health insurance."
"Auto insurance."
"Going without it was a way of life for most everyone he knew."- captainslowww
Old Habits Die Hard
"I am not well off but my stepfather is."
"I was raised by a single mom who spent money on everything and bills were always behind."
"She just couldn't manage her money at all."
"In her 50's she met and married a multi-millionaire."
"We are in middle-America so that goes further than maybe in a lot of areas."
"They have given themselves $10,000 a month budget to live on, living on interest."
"Own their home."
"Anyway once my mom met him and they got all her finance situated and paid off."
"She won't spend a penny."
"He spends like it is going out of style."
"He has actually begged me to take her shopping to get clothes and accessories."
"She won't do it."
"She spent more when she was a single mom with nothing."
"It makes no sense to me."
"At least buy a new outfit."
"She is hell bent to not use a penny of his money. "
"They barely even have any groceries."
"If they have anything it is because he buys it for them."
"She is a retired nurse that gets a retirement and SS but she won't spend anything."
"She lives poorer now than any other time in her life."- danapca
Many people dream of marrying into money, and being able to buy extravagant things and go on extravagant trips.
Others however, are only grateful that after getting married, they won't have to struggle to pay a utility bill, or worry about whether or not there will be food on the table.
Though, of course, when madly in love, money is often the last thing people think about.
Not everyone can afford an upscale night on the town with a swanky menu.
Sometimes the menu is simple and concise.
And it may need to be repeated 3-4 times a week.
The money and food struggles are real.
But that doesn't mean you can't consume foods that are yummy.
Redditor bADDKarmal wanted to discus the foods that signal some life issues but are still yummy.
So they asked:
"What is the best struggle meal?"
Pea soup. My grandma made it with just water, a bag of peas and some spice. So good.
Basics
butter get GIF Giphy"Toast with butter and sugar."
nobid_leon
"My dad would always make toast with butter and brown sugar. Toss it in the oven to get a crisp and it was magical."
11646Moe
Special
"Spam and rice. The poor hawaiian kid special."
Xxaxis366
"I agree with the rice part, but Spam is insanely expensive. It's like $5 a can minimum around here. Not Hawaii."
"A bag of beans that costs $2 or less, some tomatoes and spices. Will last longer, be more filling, and not give you a sodium overload. Honestly, most things go good with rice."
DreamPig666
"Had this for lunch today and threw in a couple of eggs too!!"
MeNicolesta
For food reason...
"Noodles."
hyprsensitive
"I know this is a bit gourmet relative to this, but try the Shin Ramyun brand ramen some time. It is so freaking good, especially the Black one. It's surprisingly close to standard restaurant ramen. About 2 bucks, bigger portion than most ramen. I saw some people doing a huge ramen tournament, and Shin Ramyun won. For food reasons."
appleparkfive
"Yes pretty much any Noodle will do. Straight fire."
bADDKarmal
The Best Basics
"Red beans and rice."
Caseated_Omentum
"I was going to say, as long as you have beans and rice, you can live off of that alone for a very long time or potatoes by themselves has more nutrients than any other 1 food and can keep you alive longer than anything else. Potatoes has kept kingdoms and countries from starvation through times on war, droughts, and high inflation."
RonAnFawn
Good easts...
Grilled Cheese Meme GIF Giphy"The comfort food I had when poor as hell was grilled cheese that you dip in warm tomato soup. Taste like pizza, I still do it from times to times."
MoleHester
Everyone needs comfort and this food.
The Fav
honduras avocado GIF by JenChibi Giphy"Frijoles from a pot with fresh Pico and a tortilla is my fave. Or queso fresco, tomato and onion in a tortilla."
UpstairsSize
Oh Shin...
"Ramen, alternating out the seasoning and sauces you use each time."
Nondenomabomination
"Try Shin Ramyun. It's bigger and costs a little bit more. But it blows the others out of the water. Especially the Shin Ramyun Black one. Has some vegetables and mushrooms in it."
"I saw Good Mythical Morning do a ramen tournament and Shin Ramyun won. Wasn't surprised at all. You can find it at any Asian market, but it's pretty common in other stores these days. International section often has it."
"It's pretty similar to the ramen you would order in a little mom and pop restaurant. Put an egg in it if that's your thing, but it's good as is."
appleparkfive
That’s life...
"Soft fried egg added to a tortilla with cheese and salsa, put back into the pan for a minute to get the tortilla crispy."
souvenireclipse
"Nice. I do this too but with beans instead of salsa."
kale_blazer
"I toast my tortilla first using a skillet. Try that. I sometimes add a slice of ham. That’s life. No salsa for me though."
txpharmer13
Use Jiffy
"A couple of cans of tuna (in oil or water, as you like), drained. Prepare a box of macaroni and cheese (the deluxe if you can swing it). Add a little finely chopped onion, half a bag of cooked frozen peas, salt and pepper. Give it a dash or three of celery salt if you have it, really makes the dish. Heat it through, stirring occasionally, serve."
"Hey presto, stove top tuna casserole. Tuna packed in oil will give a better flavor and be more calorie dense. Deluxe mac & cheese has the cheese goop in a pouch instead of the cheese powder. If things are really tight use a couple of boxes of the powder sort."
"Also, beans and cornbread. A bag of pinto beans is cheap, do them in a slow cooker if you have one. Add a little bacon if you have it. Make the cornbread from scratch or use the Jiffy cornbread mix. Yum."
darrellbear
Grounded
meat beef GIF Giphy"Ground beef, egg noodles, and packet gravy mix. Can feed a family of four."
WhichDuck5191
"Ground beef is not cheap these days though.
"Leather-Highway7374
Now I'm hungry. Who else?
Do you have a favorite struggle meal? Let us know in the comments.
We are all full of surprises.
We have talents we hide.
And some we are completely unaware of.
Can you open any bottle of pickles?
I can.
Useless, but once and every once in a while... life-affirming.
Redditor Middle_Ad_2619 wanted everyone to share about the things they do that make no difference in the world. They asked:
"What is a useless skill that you have?"
I can tell...
driving fast and furious GIFGiphy"Identifying cars’ make/model by their headlights at night."
sharksnrec
"Pre 2020s Mustangs look like big spiders with all their lights. I recognize a handful of them, but not all. Tail lights at also fun."
IcePhoenix18
Bizarre
"I can identify faces very easily even with age. People I've seen once in a film 40 years ago I'll see again in something current and say 'Oh that's the guy who played the 3rd terrorist in that film from 1980.' It's bizarre."
thewoodbeyond
"This has a name and might be a very good job for you if you're interested https://www.vice.com/en/article/ep487p/how-police-are-using-super-recognizers-like-me-to-track-criminals"
starfire2258
Waves
"I can do a wave with my eyebrows."
Kith-Kath
"Me too, and I can move them separately of each other and separately of my ears, which I can also wiggle with."
cainhurstcat
"I used to be able to do that... was about the only interesting thing about me, until I wrecked my moped and tore a muscle or nerve or something and it took 6 months for any movement, but now it's just enough to passably get emotion across."
PrinceDusk
World's Best
"Competitive Minesweeper. Was 15th in the world at one point."
SaltyPretzel97
"Back in college I had a friend who played minesweeper to relax. Just clicking at a screen. She’d been doing it for a decade. The speed at which she was playing was genuinely mind blowing. Like constant clicking at about 3-5 clicks per second. And all on purpose, winning a ton of games."
PM-ME-UNICORN-BUTTS
Characters
Fox Tv Fire GIF by Bob's BurgersGiphy"I do a really good impression of Teddy from Bob's Burgers."
boyvsfood2
"I can do Kermit, Bobby of Bobby’s World, and Gollum. Possibly others, I dunno."
vercertorix
Well that is all entertaining. Profitable? Who knows...
QUAAAAAACK!
"I can play a blade of grass."
CaptianRed
"That reminds me when I was very young. I went camping and met a dude that said he could make a duck call from just 1 acorn. So i brought him one and he squeezed it and told me to get close. He took a deep breath and screamed, 'QUAAAAAACK!' Safe to say i never talk to random strangers when im out in the wilderness."
Elixr-z
Scales
"I’ve worked in a deli most of my life. I can weigh things in grams eerily accurately with just my hands. Some customers get pretty kind blown."
Origin_Of_Ebot
"I have a, uh, similar skill, because I've done so many autopsies that I can almost always guess the weight of any human organ within about ten grams. Don't really get to perform for many people but I get a hell of a lot of satisfaction when the heart weighs EXACTLY what I knew it would."
totally0real0account
WTF?!?!
"I can send and receive morse code at 65+ words per minute. Completely pointless skill."
008mantis
"Pointless?!?! That is f**king amazing my friend!!"
davvaz62
"That’s amazing, I’ve never learned morse code nor have I spent the time to get so good at it."
TheGalacticPenguin
Woof...
dog show GIF by Westminster Kennel ClubGiphy"Not me but my mum can name literally any dog breed you show her."
majesticles0
Random
"I know a lot of random things about animals. Both extinct and living."
TigBitties42069
"Tapirs have four toes on each front foot and three toes on each rear foot. But every tapir I've seen makes only two-toed rear footprints because the third toe grows too far up their hamstring to touch the ground."
onmyknees4anyone
Limbs
"I can lick elbows."
shadyfortheshade
"God i remember a kid in band would lick other peoples elbows. He would do it to one person specifically and the guy would never know unless we told him."
ChubbsthePenguin
"Same. No one believes me until I show them lol."
alwayssummer90
Threshold
"Ability to sneeze with 118 decibels measured. 120 is already threshold of pain as an interesting fact."
KerbalEnginner
"I have a loud sneeze too but not sure if it's this loud! My Dad's was even louder and it runs in the family. Does your loud sneeze run in the fam too?"
Wolkenflieger
"Sure does, I adopted my late grandfather's technique and my sneeze can be heard all over the village where I live.
If you want to measure it get a sound meter app on the phone."
KerbalEnginner
Where?
"I can always find the most in-the-way place near anyone who is busy."
themattboard
"I've always had this curse. When I was like 10 we rented a dune buggy. It was one with a pull start motor and it would occasionally die. About 30 minutes in it died so my dad and I got out to start it."
"Not paying attention I stood behind my dads right side as he yanked hard to start it. His elbow smacked me square in the head (I was luckily wearing a helmet) and sent me flying. I got up and moved to the other side of my dad not knowing he had switched arms. Again, he yanked as hard as he could and his elbow launched me back again. I just stayed on the ground until it was started after that."
WantedDadorAlive
Whipped
"I'm extraordinarily good at towel whipping. Made someone bleed once."
Thomasgraham76
"This is something that everyone in my family has advanced skill in. We love getting in playful towel wars. I have never found a girlfriend who wanted to do this with me despite always wishing I would. My mom and uncle will go at it until they are both bleeding and look like they were in a paintball fight."
PaticusGnome
Vibrations
Scared Dog GIFGiphy"I can vibrate my eyes back and forth."
probono_deeeeeeeeeee
"Me too. It looks like the cheap earthquake effect from TV shows from my point of view, when I do it."
Meranio
Twirl Special
"Twirling, flipping, and spinning writing utensils. Like, really intricate s**t, effortlessly. A skill built up with hours and hours of fidgeting. Seems to impress a lot of people, apparently. Gets plenty of compliments."
DocFishFight
"Pretty much anytime I've held a pencil or pen, I've tried to twirl it like Boris in Goldeneye, ever since the movie came out. I still can't do it, so respect to you."
MikeMcAwesome91
Well these skills may not be a career, but what great party conversation starters.