Tips for Failure - Or - How to Guarantee a Life Of Being Broke - Page 3
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  1. #31
    Registered User FrugalWitch's Avatar
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    Have a sense of entitlement Why work and save for anything? The government, church, family and friends owe you whatever you want to make you happy

    Have children you cannot afford and let social services do the providing Why wait until you are financially secure? Depend on food stamps, section 8, WIC, food pantries, other family members and tax-payers to provide. What good is that sense of entitlement unless you not only use it to the fullest, but pass down the tradition to a new generation?

    Never save up any money Blow it all and and charge the rest. You deserve that Disney vacation!

  2. #32
    lgw
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    Quote Originally Posted by larabelle View Post
    Smoke, Drink excessively and be obese/overweight after all medical research which suggests those behaviors are detrimental for your health is just that research and research is not accurate 100% of the time. Also don't you know that marijuana helps a person relax and it really should not be illegal after all it is not illegal in many countries. Nothing will happen to you. Anyway if you have a stroke or heart attack or are diagnosed with lung cancer or diabetes then health insurance will cover the cost after all that is the reason why you have it. Also, why eat healthy all those vegetables (lettuce, spinach, carrots) are just rabbit food plus what about the preservatives on them and then there is the samonella scare related to tomatoes. No you are an American and you are a meat and potatoes man/woman. Your forefathers ate lots of beef and potatoes, drank excessively and smoked and you are going to do the same. Your physical health is in no way connected to your financial status.
    I take exception to the obese/overweight excuse. I am overweight -- I am in great health financially and have a very successful career. I eat one of the most healthy diets around, but I have IBS and a genetic disposition that makes it very difficult for me to lose enough weight to ever be considered not overweight. For many people, being overweight is not about eating crappy food -- no matter how well I eat and exercise (every day, at least 30 minutes), it is never enough.

  3. #33
    lgw
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    Quote Originally Posted by FrugalWitch View Post
    Have a sense of entitlement Why work and save for anything? The government, church, family and friends owe you whatever you want to make you happy

    Have children you cannot afford and let social services do the providing Why wait until you are financially secure? Depend on food stamps, section 8, WIC, food pantries, other family members and tax-payers to provide. What good is that sense of entitlement unless you not only use it to the fullest, but pass down the tradition to a new generation?

    Never save up any money Blow it all and and charge the rest. You deserve that Disney vacation!
    Do you know my BIL and SIL?

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  5. #34
    Registered User Sonnenwende's Avatar
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    Take out massive student loans without a real thought about whether or not your future job will in reality support such crushing debt.

    Just food for thought:

    The Declining Value of Your College Degree

  6. #35
    Registered User larabelle's Avatar
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    Quote Originally Posted by Sonnenwende View Post
    Take out massive student loans without a real thought about whether or not your future job will in reality support such crushing debt.

    Just food for thought:

    The Declining Value of Your College Degree
    OH NO SHE TAGGED ME!!!!!
    I am so guilty in this aspect!!!

  7. #36
    Registered User larabelle's Avatar
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    Quote Originally Posted by lgw View Post
    I take exception to the obese/overweight excuse. I am overweight -- I am in great health financially and have a very successful career. I eat one of the most healthy diets around, but I have IBS and a genetic disposition that makes it very difficult for me to lose enough weight to ever be considered not overweight. For many people, being overweight is not about eating crappy food -- no matter how well I eat and exercise (every day, at least 30 minutes), it is never enough.
    So sorry...I certainly empathize with those persons who are overweight due to illnesses.

  8. #37
    Registered User Sonnenwende's Avatar
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    Quote Originally Posted by larabelle View Post
    OH NO SHE TAGGED ME!!!!!
    I am so guilty in this aspect!!!
    Don't feel bad. You have a lot of company. The only reason my student debt is manageable is because I met my husband and it lit a fire under my butt to hurry up and finish my degree so I could move to his country ASAP. Otherwise, I had no real plans to finish up and was thinking about getting 3 or 4 degrees at once and then grad school.
    Last edited by Sonnenwende; 07-19-2008 at 04:57 PM.

  9. #38
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    Here's one I haven't seen, but have helped many people deal with...

    Instead of budgeting, take out as many payday advance loans as you can, and then panic when you can't pay them back and they threaten to take you to court.

    This is a little-discussed problem that is running rampant in our country. There are lenders out there that are legitimate, licensed, and follow the law, and I know some will say "it's only ONE payday loan - what's the big deal?" But to my way of thinking, there is no such thing as a GOOD payday loan. They are loan sharks hiding behind the law. The APR on most of the legal loans is huge - we're talking about 400% on an annual basis. The way they hook you into it is that the loan is only for a couple of weeks - not a year. So most people just blow off that big sign at the storefront lender's office that explains the APR. (The state makes them post that, by the way.)

    Anyway...this is a GREAT way to ensure a life of poverty, stress and failure. Thought I'd toss it into the ring.

  10. #39
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    Get a useless degree - how many art majors are waiting on tables? better yet, from a private university, with loans.

    Get a poor paying degree - any library majors anyone? Don't people research 'earning potential" before deciding careers?
    Last edited by ladykemma2; 07-21-2008 at 05:15 PM.
    baby step 2- see blog for actual amounts

    "stop being a victim, you are a perpetrator, taking things without paying for them is stealing, you are not a victim, you are a perpetrator. PAY THE PEOPLE YOU OWE, pray for the people you owe, and make it right. " hard nosed AA person, thumping his big book, addressed to me in AA meeting 7/30/2013

  11. #40
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    1. Assume that people don't mind when you borrow and don't pay back. It's a great way to always be in debt AND lose friends!

    2. Whine. Complain. Make excuses. And then do nothing......

    3. Forget self discipline.

    4. When people tell you that life is about sacrifice, blow them off.

    5. Assume that you have to bow to nobody..... ever.

  12. #41
    Registered User annymoll's Avatar
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    Can I add one Greebs?.... Procrastinate.I won't elaborate. It might irritate.
    Last edited by annymoll; 07-21-2008 at 06:40 PM.

  13. #42
    Registered User annymoll's Avatar
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    Quote Originally Posted by FrugalWitch View Post
    Have a sense of entitlement Why work and save for anything? The government, church, family and friends owe you whatever you want to make you happy

    Have children you cannot afford and let social services do the providing Why wait until you are financially secure? Depend on food stamps, section 8, WIC, food pantries, other family members and tax-payers to provide. What good is that sense of entitlement unless you not only use it to the fullest, but pass down the tradition to a new generation?

    Never save up any money Blow it all and and charge the rest. You deserve that Disney vacation!
    I have a little song for you Witchy.....It's to the tune of Mr. Grinch...
    Your a mean one, Frugal Witch
    Certain folks will call you a bitch
    Cause you always speak your mind, always lay it on the line
    Frugal Wi...ITCH!!!!!!!

    Ahem... carry on.
    .

  14. #43
    Registered User Sonnenwende's Avatar
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    Quote Originally Posted by PrairieRose View Post
    Great topic Greebo!

    Here are mine;

    ~Keep up with the Jones's

    ~Buy into the adage of 'you're always gonna make mortgage payments (or pay rent) and have a car payment.

    ~Stay in the mindset that you are 'stuck' where you are b/c you're too broke to get out of it.

    ~Feel like you 'deserve' this and/or that b/c things have been so tough lately.

    ~Don't consider debt as 'borrowed (look it up in the dictionary) money'.
    I just read all these again and feel like you have just described my mother's attitude towards money perfectly. This is everything that is wrong with her and why I struggled for awhile with money because that was the example I had growing up. Today, things are better and I have zero debt but my student loan, but I used to have 5 or 6 credit cards carrying balances, thought nothing of financial tomorrow. Just the way my mom did it. Stupid, stupid, stupid. Glad I escaped that mindset and got smart about debt.

    While I am thinking of her, let me throw another one in the ring:

    Don't research anything you are going to buy. Just buy it because it looks nice today on impluse and you deserve it because you ALWAYS wanted it.

    She has done this with every single car she has bought. She makes less than I do (and I don't make a lot) and her car payment alone is half my rent.
    Last edited by Sonnenwende; 07-22-2008 at 02:52 PM.

  15. #44
    Registered User larabelle's Avatar
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    Here is a good one: Marry someone who is up to their eyeballs in debt and has no desire to pay it off. I have a friend who did this and they are always arguing about money.
    Last edited by larabelle; 07-23-2008 at 10:01 AM.

  16. #45
    Registered User FrugalWitch's Avatar
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    Quote Originally Posted by annymoll View Post
    I have a little song for you Witchy.....It's to the tune of Mr. Grinch...
    Your a mean one, Frugal Witch
    Certain folks will call you a bitch
    Cause you always speak your mind, always lay it on the line
    Frugal Wi...ITCH!!!!!!!

    Ahem... carry on.
    .
    Aww I am touched to the shallow depths of my non-existant black little heart! DH and Momma got a big kick out of the song. Wish you would write the rest!

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