Not sure about recession but now a days sure people spending very less….

It sounds as if we’re on a similar path, Plonkee. Although I am on the path to getting myself out of a mountain of debt once and for all (less than 2 months to go!), I was spending less even before that decision.

It’s no bad thing for an individual. It may not do the country a great deal of good, but The Power of One in the economy is zilch. Ergo, I’ll pay myself before anyone else!

Lee

I’m with you-we haven’t really felt the crunch, so to speak. My husband and I are lucky to both have kept our good jobs.

I’m spending less to increase our security (i.e., bump up the emergency fund), to allow ourselves to take opportunities as they arise (i.e., invest in our own business that will make DH happier), to invest more for retirement, and donate more to charity. There are things to save for, like house repairs/upgrades, vacations, Christmas etc. There’s always more goals than money to fulfill them, but in time, if we stay on this track, we can do it “all”. So that’s why I’m spending less.

I have ALWAYS been frugal, I am just releived that the pressure is off to spend like crazy (crazy being the operative word).

Debt is a place I have never enjoyed being… so thrifty and patient is what I have to be happy doing. Now everyone is trying it, and I love that!

I am very sorry that the shopping “lockdown” has adversly affected so many jobs, but it was such a false thing inflated by debt for most people… it was not sustainable (obviously).

Personally, I have not felt the crunch within these walls too much. Sure my contracts are down a bit, but nothing to panic about. Husband is pretty solid in his career (knock on wood). Our home is worth four times what we owe on it in todays market, so we are solid there. And frugality has always been good to us, so we stick to it happily come fair weather or rain….

i am definitely spending less but the reason is that i am at a temporary cash crunch that i am hoping to God passes soon because i really dont live living frugally out of necessity.

We are going the opposite path, funnily enough, spending a lot more last month and we’re predicting the same for this month. But that’s because we have had quite a number of friends and family visitng from overseas so we’ve been bringing them out and buying them dinners and what nots.

Apart from that, we have been trying to live more frugally and save what we can to put towards our goals ie. travel, house etc.

I’m definitely making an effort to spend less than usual - ironically we’ve done quite well out of the recession, in that our mortgage repayments are currently a fraction of our income (about 5%, but will go up when interest rates are back to normal), so we’ve been able to save a great deal.

But that’s because I’m also coming up to the big 3-0 and plan to move to a bigger house etc.

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HI

Good knowledge for us.

I am currently also spending less for no particular reason simply because I’d rather be saving my money in case of an emergency that may come up later on. Personally, it’s always a good idea to save just to have money on hand in case you ever need it.

If anything, I’ve found that I am actually spending more now that the recession is “ending”. Although I wasn’t particularily badly hit when it was full blown, I was cutting back then but now with the GDP’s growing and the unemployment rate slowing it’s spiral down, I’m find that I spend more liberally.

Btw not a post in a month, you still there?
(David)

Totally agree…we are spending less as a a family and there is an old saying that goes something like knowing the difference between cost and value and we most definately appreciate the value of every single thing we buy now.

We just became homeowners and we are trying to spend less because mortgage is much more than what we paid for rent. We knew it would be tight but it’s tighter than we expected.

Hi Plonkee, you’re pretty astute with your comment of how the individual need to save conflicts with the needs of the wider economy for us to spend is like the prisoner’s dilemma.

In fact it is called “The Paradox of Thrift” if I remember correctly.

There is nothing wrong in spending less if you are spending enough. There may be difference in need and the reason behind saving.

Not now it is almost Christmas… I am spending more than ever!!

Christmas is ok…. but what about the new year?

Im spending less it seems, but my overdraft is getting bigger and bigger…!

Whats going on!

There’s always more goals than money to fulfill them, but in time, if we stay on this track, we can do it “all”. So that’s why I’m spending less.

Mark

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yeah, i spend way less. I mean i still buy food the way i used, but i spend less on cloth and other things that i don’t NEED

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I’ve spent about the same; however, I am getting better deals because everywhere you go there are deals in light of the recession.

I am not spending less, it might be because recession did not effect me much.
I am in the new job almost earning same as past and things are going as it was going in past.
The phenomenon you are going through is something related to that age ‘30′. I have seen other friends of mine going through a similar kind of phase.

I’m spending less, maybe because its my nature being frugal. Recession or not, we have to be wise and practical on spending money.

Some specialists claim that credit loans help a lot of people to live the way they want, because they are able to feel free to buy needed stuff. Furthermore, different banks offer car loan for all people.

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Those who manipulate the unseen mechanism of society constitute an invisible government which is the true ruling power of our country. We are governed, our minds are molded, our tastes formed, our ideas suggested, largely by men we have never heard of.

I have not worked at Quest, but I find it interesting that the environment that you speak of sounds a LOT like how women are/were treated in a position that males in general were thought to have only had.

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Because they dress in tight pants and put their hair in a girly fashion to attract whiney mall kids to their fanbase. There music is bland, generic, and uninspiring and their riffs are very boring.

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A new YouGov poll has revealed that one in ten people live beyond their means; around 26% of people are just breaking even each month, while a pretty sizable 53% of those questioned said they cleared with month with less than £100 to spare.

This data explains why people turn to payday loan providers like http://www.ukonlinepayday.co.uk despite the high APR rates. You need to be cautious while taking such loans, and plan to repay in stipulated time.

Till then, a little retail therapy cannot hurt

Consider contacting another breed specific rescue (especially a sibe one if you can find one close enough) and see about volunteering there to get the idea of what it’s like. Talk to the owners/directors and ask them what they think about your idea and how you’d go about starting.

It seems to me from your e-mail that you’re having a hard time choosing between the two. Right now is the time to sit down with your wife, talk frankly about it, and make a choice. Is career maintenance the top priority or is it more children?

You probably flip burgers or some other menial task with such a poor education, head back to school there friend you might juts get a real education this time

For me personally its a case of adaptation, spending within your means etc. Most of us have to do this consciously or subconsciously.

I am spending less since I got some things that needs my attention to get into. But knowing your tips here I guess I could overspend a little.