Thursday, December 16, 2010

Grab that cash with both hands, and make a stash

I hate money. And I don't really understand it.

Well, I think what I don't really understand is how people use it.

I've noticed a trend in the blogosphere along these lines lately. There are many bloggers that I follow who seem to have an endless supply of money. I say "seem" to because I really have no idea if they actually do have an endless supply of money, and in fact, most of these people are ones I'd assume would NOT have such a thing.

Yet, here they are, discussing the new clothes, house, pet, car, computer, ipad, or whatever they have just bought. Some of them seem to be out shopping and buying hundreds of dollars of new things EACH WEEK.

If they are not talking about buying "things", they are taking trips to faraway places (seemingly) every few months - jetting off to New York for fashion week, jetting to San Fransisco to visit a friend, taking shopping trips to Paris (then proceeding to post all their purchases from Louis Vuitton in enviable photo montages).

It just makes me wonder - WHERE DO THEY GET THE MONEY FOR THIS?! I certainly can't afford to jet off wherever I want on a trip once a year or buy new clothes and electronics every week. Mind you, I'm working a temp's wage right now but that's not even the point (there are certainly enough examples in the world of people who are living the lives they want, while on a tight budget).

How am I SO different from these people? Do they just make enough money that they have enough disposable income to buy these extra things? Are they spending money they don't have? Do they get "income boosts" from other sources (i.e. spouse, parents, inheritance, small side-business, etc)? I'm sure depending on the person, it could be any of the above, and if it is, I can more clearly see how they are able to spend money every other week on new stuff.

But, with some of them you have to wonder - I still can't help thinking to myself, "this person is a blogger/employee at a non-profit/insert other non-well-paying job can they realistically have that much to spend?". I mean, these people must all have bills, same as me! They must have rent/mortgage to pay, just like me!

Am I just horrible at budgeting? Am I just more financially irresponsible than these people? I somehow doubt it; I'm certainly not the Queen of Budgeting but for the most part I'm financially responsible and careful about where my money goes (even more so since dealing with a huge pay cut the past 3 or so months). And, everyone knows that in our "credit-hog" culture it is all too easy to spend money without thinking about it or dealing with the consequences. But I still don't understand how it's possible sometimes. And there is just something that irks me about seeing post after post of "look at all the beautiful, expensive designer things I own and how cool they make me look".

I should say that I realize it's not any of my business how other people spend their money, and I want to make it clear that if you earn your money in an honourable way and you want to reward yourself once in a while, that is totally and completely understandable. I'm not knocking anyone for buying themselves things. Trust me, if I had more disposable income I would be doing the same thing! I also realize it's a no-brainer that what we see from the outside looking in on a person's life is nowhere near the whole story. Many of these people probably ARE spending more than they should and are in dire financial straights.

So, maybe I'm just jealous or being too critical or something, I dunno. I'm probably being too harsh because I wish I didn't have to stress about money so much. I'm sure most of these people I'm wailing on are just resourceful and good at saving money, and I should just get better at it. But I just can't help but wonder if I missed the memo.

Am I totally alone here? Has anyone else noticed this trend in blogs or IRL? Do you sometimes wonder how others do it?


Kim said...

So here's my take, from the point of view of one who has gotten married, bought a house and purchased a dog all in one year:

It takes a LOT of planning and foresight. We saved a lot. But we also had help from parents for the wedding, and we have a double income. When you are splitting housing costs but bringing in twice the money, things get a lot easier.

Also, most people DON'T have the money they're spending. I know many people who buy, buy, buy all the while admitting they don't really have the money. And that, I just don't understand. I say the same thing as you when I see a family that has one income and a kid spending a small fortune on Christmas, etc.

Allison said...

I'm with ya Kim! I'd love to jet off to London or Paris just for the hell of it. I'd love to buy a car and a house...but I don't.

I do buy clothes and books and stuff for myself, and nights out on occasion - but I usually budget for that stuff.

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