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whowillsurvive2012.com - Watch the Adam Lambert music video for the 2012 theme song. See 2012, in theaters Nov 13
69 Comments
- bigthree, on 12/03/2007, -2/+18tried these with my wife ...she went out and bought a book to prove me wrong
- pitdog, on 12/03/2007, -2/+12how 'bout one step:
1. stop going to a mall and buying *****
or even simpler, but not possible for many:
1. think. - sugarkang, on 12/03/2007, -1/+10how about spending more hours in the day on:
1. researching whether a return to the gold standard would help or hurt our economy.
2. jogging a couple miles
3. starting a blog, or other internet project
4. trying to make more money.
with these 4 easy steps, you'll have less ***** time to waste your money. - hokie47, on 12/03/2007, -1/+8I hate when people tell me to buy something because it is good investment. Investments are stocks and bonds, not buying a plasma TV.
- joegosox, on 12/03/2007, -6/+13I have always enjoyed this time of year but the commercialization of CHRISTmas has gone too far. When people are queuing up at 5am for Wal*Mart's Black Friday extravaganza then the true meaning is lost...IMHO.
- yunus, on 12/03/2007, -1/+7In college so you dont have to worry about money yet? Are you going into debt to pay for college? Just because you don't see the bills stacking up right now, don't fool yourself. Now is the time to worry about money, be thrifty now and as you say spend with cash because once your out of college and making less money than you thought you would the student loans will require repayment.
- kravex, on 12/03/2007, -3/+8Bankruptcy usually stops it.
- bahamutxd, on 12/03/2007, -3/+8If you couldn't normally afford one -- then it looks like you should be spending your money more wisely then a $250 laptop.
- inactive, on 12/03/2007, -2/+6Just telling someone to stop spending money isn't enough. It is like telling a compulsive eater to just eat less. The advice works in both situations, but the people involved don't take the advice. They need to be personally motivated to learn how to deal with impulses.
- sadenshi, on 12/03/2007, -0/+4Let me share these tricks of mine to avoid my own shopping traps:-
1. Containers - Once in store, go for the basket instead of the cart, or just with your two hands to simply buy a few items.
2. Shopping List - I tried it before but it didn't work for me. Guess not everyone's the type for making lists. I've learnt to enter a shop only with one or several items on my mind.
3. Attention - Many things on display in shop are meant there to distract you from your original agenda. I would try to register in mind or jot it down on my notebook any website I can find for more information. Interested? Sure, I'll visit your website once home.
4. Credit - Try to use credit card for fixed monthly bills only. Use cash for shopping in small sums. - inactive, on 12/03/2007, -1/+5Oh BS. Quit pathologizing every normal human behaviour. Overspending IS NOT A DISEASE. It is poor choices. Same thing with fat people. They make the choice to sit around all day, watch tv (or blog) and eat Oreo Pizza. Do you know what doctors (who are concerned about health and not a paycheck) say is the best treatment for hypothyroidism?? Exercise. Do you know what the best way to treat (even cure) obesity caused diabetes? Exercise.
- minorthreat, on 12/03/2007, -2/+6not be an idiot?
- souljaboytellem, on 12/03/2007, -0/+4Am I the only one that can say, oh wait i need money for so-and so, maybe I shouldnt buy this (Item)?
- Overcyn, on 12/03/2007, -1/+5i was just trying to say that i dont have much experience in dealing with bills and rent. it was poorly worded on my part. The "maybe this is a bad idea" was referring to paying everything in cash. and yes i do try to be as conservative with my money as possible.
- bixel, on 12/03/2007, -1/+5I stopped shopping, mostly thanks to a lousy job market and our 'great' economy. Thanks! now I can barely find a 8-10/hr job cause I am competing with people 10 years younger than me and I am constantly being told I am over qualified. The jobs I am qualified for are filled and/or have an expected que line of 5 years plus I am constantly finding the get-my-friend-hired buddy system that prevents from qualified honest people to work a career. I need to starting winning the popularity contest and make friends in high places, yet how can I do that on an income of $600/month?
- inactive, on 12/03/2007, -0/+4Using cash for everything is a very effective technique. Like the steps listed in the article, it isn't knew, it is time honored and time proven. Do yourself a favor, make those things and maxing out your 401 K a habit now, while you are young.
- kenplaysviola, on 12/03/2007, -0/+3The site isn't even using SSL or anything. If I give my money away, I want the contents to be encrypted and secure, and to know that I am really connected to the giveusallyourmoney website.
- bahamutxd, on 12/03/2007, -0/+3anything that has no potential to appreciate is not an investment.
- solis365, on 12/03/2007, -3/+6i really dont think black friday is a reflection on the holidays. some people might do their xmas shopping there, but you have to admit, there are some real good deals. like laptops for $250. if you couldnt normally afford one, thats a damn good price.
- Overcyn, on 12/03/2007, -3/+6maybe this is a bad idea. im in college so i dont have to worry too much about money yet. but i notice that i spend way way less if i pay for everything in cash.
- mountaincable, on 12/03/2007, -0/+3I'm not sure why this guy is getting dugg down, what he says is true.
- mahdaeng, on 12/03/2007, -0/+3You and souljaboytellem are quite the intellectuals. You've really illuminated this whole discussion.
- izlander, on 12/03/2007, -2/+5Incorrect. The Winter Solstice is a pagan holiday. Christmas is a Christian Holiday (and has everything to do with Christ). Just because they fall in the same time period doesn't mean they are the same. Jesus had to be born sometime...
Personally I would prefer to change the holiday to Winter Solsticemas, and disassociate this holiday of greed with anything of a religious background. - mahdaeng, on 12/03/2007, -0/+3I know a someone who complains about not having enough money for health insurance, but she just got back from a two-week Thanksgiving vacation in which she had to obviously pay for airline tickets and a rental car - probably equivalent to at least three months worth of health insurance. I know another person who complains about the debt that she and her husband have accumulated, but she just told me a couple of days ago that they're planning on going on a trip to Disneyland in a week.
You're not the only one thinking wisely about money, but you're definitely one of the few. - crapmatic, on 12/03/2007, -0/+3Even though Christmas seems to have lost its meaning now, I can't help wondering if back in the 1920s people were complaining about the spirit of Christmas being lost simply because people bought gifts, period.
- inactive, on 12/03/2007, -0/+3Actually, you can't purchase hotel rooms or airline tickets with prepaid credit cards. You can use debit cards, but the prepaid cards will not work.
- sadenshi, on 12/03/2007, -0/+3Yea, it's good to enjoy life whenever you can, but not everyone can afford to do that. Small luxuries are great, so long it's within your limits. Splurging once in a while won't hurt, but not when it's on a daily basis.
- inactive, on 12/03/2007, -0/+3Morgan Spurlock ( Supersize Me ) is debuting a new movie in a few days. It is germane to this thread and the Christmas season
"What Would Jesus Buy"
http://wwjbmovie.com/
A funny look at the over-commericalization of the holidays - inactive, on 12/03/2007, -0/+3Sometimes people need a slap in the face to actually do what they know. This funny Steve Martin video will give you a few good belly laughs while getting some time honored financial advice across
http://digg.com/videos/comedy/Humor_How_To_Get_And ... - Darkneuros, on 12/03/2007, -0/+2One person mentioned leaving the credit cards at home, but I think if you have shopping issues, you may want to avoid having credit cards altogether. One prepaid card is enough to rent hotel rooms, purchase airline tickets and whatnot. When you run out of room on your prepaid, your not actually in debt so no problem. Credit cards in the hands of someone with no willpower almost always equates to disaster. And the holiday season makes it worse as you want to pamper your friends and family as equally as you would yourself.
- inactive, on 12/03/2007, -1/+3Nobody wants to be in debt or fat. Everyone knows to eat less and spend less, but people don't do it. There is something else going on.
- Murdats, on 12/03/2007, -3/+5spending only $250 on a laptop isnt spending your money wiseley?
- Truzseeker, on 12/03/2007, -5/+7one easy way...boycott shopping-profit fanaticism
- 4eloBek, on 12/03/2007, -2/+4ok here is 1 step to stop spending: http://www.giveusallyourmoney.com/
- quentinp, on 12/03/2007, -1/+3My trick for obsessive game buying was to pre-order the games I actually wanted (did this in August, right through to Dec.) Then going through game stores (or game sections of stores) I felt no real draw to buy things or really even browse around. Even the manager at the game store I frequent commented on how good i'd been :)
- inactive, on 12/03/2007, -3/+5This belongs in the Apple category!
- AggieFalcon01, on 12/03/2007, -1/+3Book burning? around the origin? Um ... they didn't have books then. Scrolls, yes. Hundreds of thousands, libraries full of them. But no matter, yay for unsubstantiated rumors ...
- inactive, on 12/03/2007, -1/+3Actually it wasn't the original real estate loans that caused the problem (because those loans were underwritten). It was the equity loans that were tacked onto the mortgage and interest only variable rate loans (the 80/20 loans that banks used to give) that caused the problem. Generally these loans were made as a way for the debtor to avoid bankruptcy(pay off their credit card bills because of the bankruptcy reform bill) , or to get the capital to buy a house in the first place. They were not a problem when the banks first started giving them out. They became a problem after the banks started rasing interest rates, and having absurd (greedy) penalties for a single late payment. Then about a year and a half ago, they all started to go bad at once as the economy started to flounder.
Most of the debtors will eventually repay their loans. however the banks are going under because they made too many bad loans in the first place. The reason people bought them, is because the banks became greedy.
The only people being harmed by this are the greedy financial services investors. I think it is about time they lose everything, they have been exploiting the common man for far too long. - mahdaeng, on 12/03/2007, -1/+3[[im in college so i dont have to worry too much about money yet]] = -1 digg
[[i notice that i spend way way less if i pay for everything in cash]] = +1 digg
net result = 0 diggs - sadenshi, on 12/06/2007, -0/+2Okay, explain what flaws you see in this one. I am going this way because I am paying my monthly dues in full and on time. I also get a little cash reward at year's end from the transactions on my credit card. I've decided to just use cash for daily expenditures, because I've found this is the easier way to keep track of my spendings. Small sums they may be, they add up. I am starting to use this trick with the cash in my wallet too. Everytime I use my credit card, I'd place the dollar bills of the same amount to the back of my wallet behind the cheque book. This way, I get a good idea how much more money left for the week.
- inactive, on 12/03/2007, -0/+2Well in the case of being fat, when you are in the habit of eating 5k calories a day, and you cut back to 3k calories a day you are going to feel hungry most of the time. In most people that presents as a type of pain. That pain is why it is hard to lose weight, which is why gastric bypass surgery is so effective (the patient doesn't feel hunger pain anymore).
From looking at the debt counsling literature people go into debt for one of two main reasons... They make poor choices and they buy a car, apartment or house the can not afford, and they use credit cards in an attempt to make up the difference. Or they simply overspend by not paying attention to the amount of debt they are carrying... For example, new shoes or handbags make them feel good, so they buy lots of new shoes and handbags that they can not afford and put them on credit cards... Apparently some people do the same thing with $5 a cup coffee(hel of a way to piss away thousands of dollars). Those seem to be the main offenders for the spendthrifts. By the time you are 10-20k in credit card debt and can no longer afford your credit card minimum payments, it is too late for a simple fix. Like the failed dieters, people lose moral, and give up. A state which is by design from the credit card companies... They would rather have you pay them a monthly annuity for the rest of your life than pay the money back.
It is nothing as complex as a disease... - diggerphelps, on 12/06/2007, -0/+2I save a lot more money by buying things I need or want when I need or want them based on their regular price rather than buying things I neither need nor want at the time just because it is "on sale."
(Of course I do look for a good price when I finally buy something, and use my Amazon wish list to watch prices on a certain item.) - mahdaeng, on 12/03/2007, -0/+2[[4. Credit - Try to use credit card for fixed monthly bills only. Use cash for shopping in small sums.]]
I was with you until number 4. - diggerphelps, on 12/06/2007, -0/+2That never gets old.
- inactive, on 12/03/2007, -2/+3You are incorrect. When the catholics were trying to conquer the pagan northern Europe they knew they had to let the pagans keep their holidays, so they invented Christmas as a sort of extend and embrace strategy to convert people. The same is true for virtually all of christian mythology.
Also, Christmas is better described as Herculesmas, because Hercules is the pagan mythology that the christians stole (well Paul stole at least, when he showed up in Greece after being on the run) in order to have a saviour.
Also, all that book burning that Christians did around the origin of the christian church?? Remember that? That was a concerted effort to erase what the actual origins of christianity were... Which is to say... They wanted to cover up the fact that Jesus never existed.
So really what you are celebrating when you celbrate christian christmas is the glorification of the successful genocide of the peole of southern europe over the people of northern europe. So really rampant greedy american consumerism is spot on with the ethics of the origins of the holiday. - ubuwalker31, on 12/03/2007, -1/+24. Only buy items on credit that you will be able to pay off immediately (or within 3 months or within the free APR period)
- westhepirate, on 12/03/2007, -0/+1Or get a Y-chromosome
- bincoder, on 12/03/2007, -0/+1Whatever is on sale that you Must buy right this instant will be on sale again, and prolly for less.
Shopping is a pain, doesn't matter if it's in the store or on the net.
For a good time, don't shop. - yugen, on 12/04/2007, -0/+1Household expenses increases during the Christmas season.
- yugen, on 12/03/2007, -7/+8This is the most informative article I have read on breaking shopping addiction and compulsive spending. And it has a very witty and funny headline picture.
We all know that we are plague by too much consumerism in America especially during Christmas seasons. As if our lives are defined by material things we have. Some people even think that their lives are meaningless if they don't posses the newest gadget advertised on TV. Friends and loving families is what matters most. -
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