OK, I don't often feel the need to vent semi-anonymously - however, it's been building up for almost a year.
My wife and I responsible people - we each have retirement accounts, we have a savings account, we have checking account - and our bills are paid on-time. In short, we take care of our obligations - and we know our obligations, we do not live from payday to payday.
In light of that I am so tired of hearing about how 'bad' some people have it - yet they make expenditures that we (my wife and I) could not afford to, and they make financial decisions that will, just as a reasonable person could reasonably predict, make them 'short' when it comes time to take care of their financial obligations in the middle or end of the month.
I see people that have started taking public assistance when they spend countless dollars a month on totally wasteful, and impractical purchases.
I see these people making decisions, their kids see them making decisions, so it's safe to assume that their kids will make those same decisions. It's a vicious cycle!
If you know your financial obligations, you can literally see the future to a certain degree in that you know exactly what your fixed expenses are each month. Some expenses vary to a certain degree each month, but a good number of monthly expenses are the same, literally down to the penny. Emergencies do come up, heaven knows we all have emergencies (leaky roof, new tires, furnace goes out on the coldest day of winter, or the A/C goes out on the hottest day of summer) totally unexpected expenses do come up, and require a little creativity in balancing expenses and such from month to month. Emergencies happen to everyone, Murphy's Law prevails - and while it is hard to plan for the unknown - handling the unknown and unforeseen isn't impossible.
When people live their lives in a constant state of emergency, and it happens 12 out of 12 months a year, year after year - emergencies become a way of life, and the drama doesn't die down - and it comes time to step back and let the drama exist on its own and not be part of it in others lives.
I know I'm tried of hearing about how bad people have it when the decision they make are TOTALLY different than their reality.
Yet, it comes as a total surprise when the bills come in every month, somehow, some people are shocked to open the mailbox each day! WHY!?!?!
I get SO tired of hearing people complain about their financial situation, yet they won't dedicate the time to receive training to get a better job, they won't allow anyone to help with their resume, they won't take a step out of their comfort zone to apply for better higher paying positions, and most of all, they won't even LOOK for a job if they are unemployed!
People think that if they go for some type of additional training - even at a tech center or trade center, that they are going to immediately be enrolled for a 4 year degree. Some of the best paying jobs in this economy are jobs that specifically require 2 years or less of training. Yet, someone will break their back digging ditches instead of being trained for a better job that pays twice as much and isn't as labor intensive. I understand that some people LIKE digging ditches - but you don't hear those people complaining!
The same with people that are 'stuck' in low paying retail/service jobs - have they considered going for 6 months of management training to be qualified to apply for a management position when one becomes available? NO, they would rather complain.
Yet, another group that annoys me - those who go to college for 4+ years for specific career focused training and REFUSE to MOVE to secure the job that they are trained to do. If you went to college to be a teacher - GO TEACH! Just because you can't get a job at the school around the corner does not mean that 'there just aren't any teaching jobs' - it means that you refuse to mobilize your life, and put your degree to work for you, and for the good of society. There are school districts that are desperate for young energetic teachers! Why sit and be complacent? GO TO WORK!
Finally, what really sent me over the edge - TOYS. Adults and their toys - people that can't afford to pay their bills, and are in fact in the midst of bankruptcy proceedings, should not be buying luxury items! New cars, motorcycles, etc etc - the list goes on and on. If you are declaring in a court of law, under oath, that there is NO WAY you can afford to pay off your financial obligations - going out and buying a motorcycle in the midst of all of that amounts to is essentially lying under oath.
We ALL pay for individuals who are not responsible enough to pay for their own financial obligations. Just like businesses have to raise their prices to cover the cost of lost due to theft - we all pay for irresponsible behavior.
Thanks for putting up with a vent - I am just so sick and tired of people living beyond their means, then whining and complaining about the stresses of life - all while they can't figure out how they got in the mess they are in... and for some people, how they got in the mess AGAIN!
If a person makes $500 a month, they need to figure out how to live on it - even if it means pursuing charity for food or other assistance, OR get a better job - OR stop buying stuff you can't afford!
I'm sure I'm not the only person that is sick and tired of hearing about irresponsibility of others in their life when it comes to managing their financial affairs- or their life in general - it isn't incredibly difficult.
As a society people think they 'deserve' things. During the Great Depression people made due with what they had. Did they want more? YES of course they did - but there wasn't the "I Deserve It!" mentality that is so prevalent in society.
This is the Budget Board - so I thought it would be the most appropriate place to vent.
Thanks again for reading.
My wife and I responsible people - we each have retirement accounts, we have a savings account, we have checking account - and our bills are paid on-time. In short, we take care of our obligations - and we know our obligations, we do not live from payday to payday.
In light of that I am so tired of hearing about how 'bad' some people have it - yet they make expenditures that we (my wife and I) could not afford to, and they make financial decisions that will, just as a reasonable person could reasonably predict, make them 'short' when it comes time to take care of their financial obligations in the middle or end of the month.
I see people that have started taking public assistance when they spend countless dollars a month on totally wasteful, and impractical purchases.
I see these people making decisions, their kids see them making decisions, so it's safe to assume that their kids will make those same decisions. It's a vicious cycle!
If you know your financial obligations, you can literally see the future to a certain degree in that you know exactly what your fixed expenses are each month. Some expenses vary to a certain degree each month, but a good number of monthly expenses are the same, literally down to the penny. Emergencies do come up, heaven knows we all have emergencies (leaky roof, new tires, furnace goes out on the coldest day of winter, or the A/C goes out on the hottest day of summer) totally unexpected expenses do come up, and require a little creativity in balancing expenses and such from month to month. Emergencies happen to everyone, Murphy's Law prevails - and while it is hard to plan for the unknown - handling the unknown and unforeseen isn't impossible.
When people live their lives in a constant state of emergency, and it happens 12 out of 12 months a year, year after year - emergencies become a way of life, and the drama doesn't die down - and it comes time to step back and let the drama exist on its own and not be part of it in others lives.
I know I'm tried of hearing about how bad people have it when the decision they make are TOTALLY different than their reality.
Yet, it comes as a total surprise when the bills come in every month, somehow, some people are shocked to open the mailbox each day! WHY!?!?!
I get SO tired of hearing people complain about their financial situation, yet they won't dedicate the time to receive training to get a better job, they won't allow anyone to help with their resume, they won't take a step out of their comfort zone to apply for better higher paying positions, and most of all, they won't even LOOK for a job if they are unemployed!
People think that if they go for some type of additional training - even at a tech center or trade center, that they are going to immediately be enrolled for a 4 year degree. Some of the best paying jobs in this economy are jobs that specifically require 2 years or less of training. Yet, someone will break their back digging ditches instead of being trained for a better job that pays twice as much and isn't as labor intensive. I understand that some people LIKE digging ditches - but you don't hear those people complaining!
The same with people that are 'stuck' in low paying retail/service jobs - have they considered going for 6 months of management training to be qualified to apply for a management position when one becomes available? NO, they would rather complain.
Yet, another group that annoys me - those who go to college for 4+ years for specific career focused training and REFUSE to MOVE to secure the job that they are trained to do. If you went to college to be a teacher - GO TEACH! Just because you can't get a job at the school around the corner does not mean that 'there just aren't any teaching jobs' - it means that you refuse to mobilize your life, and put your degree to work for you, and for the good of society. There are school districts that are desperate for young energetic teachers! Why sit and be complacent? GO TO WORK!
Finally, what really sent me over the edge - TOYS. Adults and their toys - people that can't afford to pay their bills, and are in fact in the midst of bankruptcy proceedings, should not be buying luxury items! New cars, motorcycles, etc etc - the list goes on and on. If you are declaring in a court of law, under oath, that there is NO WAY you can afford to pay off your financial obligations - going out and buying a motorcycle in the midst of all of that amounts to is essentially lying under oath.
We ALL pay for individuals who are not responsible enough to pay for their own financial obligations. Just like businesses have to raise their prices to cover the cost of lost due to theft - we all pay for irresponsible behavior.
Thanks for putting up with a vent - I am just so sick and tired of people living beyond their means, then whining and complaining about the stresses of life - all while they can't figure out how they got in the mess they are in... and for some people, how they got in the mess AGAIN!
If a person makes $500 a month, they need to figure out how to live on it - even if it means pursuing charity for food or other assistance, OR get a better job - OR stop buying stuff you can't afford!
I'm sure I'm not the only person that is sick and tired of hearing about irresponsibility of others in their life when it comes to managing their financial affairs- or their life in general - it isn't incredibly difficult.
As a society people think they 'deserve' things. During the Great Depression people made due with what they had. Did they want more? YES of course they did - but there wasn't the "I Deserve It!" mentality that is so prevalent in society.
This is the Budget Board - so I thought it would be the most appropriate place to vent.
Thanks again for reading.
She also had perfectly manicured fingers & toes, an expensive car, and new clothes and shoes all the time. Sorry, but if you can't feed your kids, you don't spend that kind of $$ on yourself. AND, she wouldn't take extra hours at work when offered...I didn't get it.
