Anonymous
Post 01/13/2023 21:47     Subject: I have money, but this is where I cheap out
Anonymous wrote:
Anonymous wrote:Food. We eat out maybe 2-3 times a week, and even then it's pretty basic (wings, Chinese). I also am vigilant about not wasting food and we eat simply at home unless it's a special occasion - lots of pasta, soup, sandwiches. I do splurge on sourdough from our local bakery - $7 a loaf!

We share a car and it is a non-luxury brand.

Clothes. I will occasionally get a nice dress from Nordstrom but only for a wedding or similar. Day to day my family wears clothes from TJ Maxx, Target, and Walmart (esp the kids). We also don't buy clothes that often. I do have a LOT of shoes - my weakness - but nothing designer. I've been using the same handbags for years.

Our house. We bought a small and not updated house and I have no interest in moving or expanding our existing space. Our mortgage is $1600 a month and we live in an excellent school district.

I do have cleaners. I consider it worth every penny.

I spend a lot on makeup (Dior, Chanel) and perfume. And I will get a professional massage/facial every month or two, which I recognize is a total splurge.

We do spend on vacations/travel.

Combined we make a very comfortable HHI. (Low-to-mid six figures.)

Both my DH and I are spenders by nature but I manage the finances, and just approach it as I would a small business. I put on my MBA hat to manage our finances and recognize that I would much rather have cash in reserves than have had a bunch of BS experiences and things.


Off-topic but are bakeries still even a thing? Or do you mean the bakery section at Whole Foods?

What do you mean by “are bakeries still even a thing”?
Anonymous
Post 01/13/2023 21:43     Subject: I have money, but this is where I cheap out
Anonymous wrote:Food. We eat out maybe 2-3 times a week, and even then it's pretty basic (wings, Chinese). I also am vigilant about not wasting food and we eat simply at home unless it's a special occasion - lots of pasta, soup, sandwiches. I do splurge on sourdough from our local bakery - $7 a loaf!

We share a car and it is a non-luxury brand.

Clothes. I will occasionally get a nice dress from Nordstrom but only for a wedding or similar. Day to day my family wears clothes from TJ Maxx, Target, and Walmart (esp the kids). We also don't buy clothes that often. I do have a LOT of shoes - my weakness - but nothing designer. I've been using the same handbags for years.

Our house. We bought a small and not updated house and I have no interest in moving or expanding our existing space. Our mortgage is $1600 a month and we live in an excellent school district.

I do have cleaners. I consider it worth every penny.

I spend a lot on makeup (Dior, Chanel) and perfume. And I will get a professional massage/facial every month or two, which I recognize is a total splurge.

We do spend on vacations/travel.

Combined we make a very comfortable HHI. (Low-to-mid six figures.)

Both my DH and I are spenders by nature but I manage the finances, and just approach it as I would a small business. I put on my MBA hat to manage our finances and recognize that I would much rather have cash in reserves than have had a bunch of BS experiences and things.


Off-topic but are bakeries still even a thing? Or do you mean the bakery section at Whole Foods?
Anonymous
Post 01/13/2023 21:35     Subject: I have money, but this is where I cheap out
HHI of ~750k. I don’t buy organic fruits or veggies. I kind of think it’s a scam? But yes, I’m also cheap.
Anonymous
Post 01/13/2023 20:57     Subject: I have money, but this is where I cheap out
Anonymous wrote:
Anonymous wrote:I furnished and nicely decorated my 5,000 sqft house for under 10,000 dollars. Very proud of it.


Right? Who TF ARE these people that are so ignant about money? "But I have to spend this much , or else I've nothing to complain about..." GTFO.


What do you mean? People spend 10 times of 10k to furnish this size house. It takes a lot of discipline, perseverance, creativity and imagination to achieve the same effect through thrift shopping, DIY and only a few really nice pieces, to achieve a similar result with a small budget. How is it tone deaf?
Anonymous
Post 01/13/2023 20:52     Subject: I have money, but this is where I cheap out
Can't bring myself to spend a lot on clothes, shoes, handbags or jewelry. Also like to buy furniture at second-hand places or on Craiglist. We splurge a lot on food and travel, though.
Anonymous
Post 01/13/2023 20:46     Subject: I have money, but this is where I cheap out
Anonymous wrote:I furnished and nicely decorated my 5,000 sqft house for under 10,000 dollars. Very proud of it.


Right? Who TF ARE these people that are so ignant about money? "But I have to spend this much , or else I've nothing to complain about..." GTFO.
Anonymous
Post 01/13/2023 20:45     Subject: Re:I have money, but this is where I cheap out
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:I only buy used refurbished iPhones.


Considering the likelihood that phone was used for “mastering their domain” or in the loo, I never want someone’s second hand phone.


Phones can be disinfected, just like public loos can be disinfected. Are you saying you have never used a public toilet before?


+1

Right?

I am with you OP - refurbish or MF DIE!
Anonymous
Post 01/13/2023 20:43     Subject: I have money, but this is where I cheap out
I furnished and nicely decorated my 5,000 sqft house for under 10,000 dollars. Very proud of it.
Anonymous
Post 01/13/2023 18:27     Subject: I have money, but this is where I cheap out
Anonymous wrote:I won't buy personal care items (toothpaste, shampoo, etc) or cleaning products at a grocery store. I can afford it, but I'm not paying that markup.

I get all of those items from Target, Walmart, Costco, or Amazon.

Also, I never stay in hotels better than 3 stars if I'm paying. When I'm on vacation, I'm there to do things outside of the room. As long as it's clean, that's all I care about.

I don't want a Super 8 but I also don't need a luxury hotel. A HoJo or Holiday Inn Express are fine in my book.


I find that I can get better deal at CVS with my coupons for personal use items than Costco, Walmart or Target. Walmart is not cheap actually.
Anonymous
Post 01/13/2023 17:51     Subject: I have money, but this is where I cheap out
DH and I combined make $650k and we live in suburbs with one car and it's old and wasn't nice when we bought it.
Anonymous
Post 01/13/2023 17:11     Subject: I have money, but this is where I cheap out
I have money because I cheap out lol. I like playing a game and seeing how little money I (and my family) can live on and be happy.
Anonymous
Post 01/13/2023 17:04     Subject: I have money, but this is where I cheap out
I don't like anything that an ongoing payment. So, no peleton, but happy to get a nice treadmill.

Along the same lines, ongoing grooming like hair color or highlights - I don't want the maintenance. But I just got Invisalign.

First class. I love it, don't get me wrong, and I've done it and love it. But I cannot justify the price difference. Even for a long flight. I can take a whole separate vacation for that amount of money!
Anonymous
Post 01/13/2023 16:23     Subject: Re:I have money, but this is where I cheap out
I hate keeping the house at 70 degrees in the wintertime. I never traded up from our starter single family home.
Anonymous
Post 01/13/2023 16:15     Subject: Re:I have money, but this is where I cheap out
Anonymous wrote:
Anonymous wrote:I only buy used refurbished iPhones.


Considering the likelihood that phone was used for “mastering their domain” or in the loo, I never want someone’s second hand phone.


Phones can be disinfected, just like public loos can be disinfected. Are you saying you have never used a public toilet before?
Anonymous
Post 01/13/2023 15:54     Subject: Re:I have money, but this is where I cheap out
Anonymous wrote:I only buy used refurbished iPhones.


Considering the likelihood that phone was used for “mastering their domain” or in the loo, I never want someone’s second hand phone.