Frugal Village Forums banner

1 - 20 of 157 Posts

·
Registered
Joined
·
8,566 Posts
Discussion Starter · #1 ·
I've been struggling with how to start this topic for some time now. All the time we see tips for success, keys to getting ahead, etc. What I wanted to do was compile a list of things that, if done, will guarantee not just financial failure, but a life of mediocrity, misery and missed opportunities.

The idea behind the thread is not sarcastic, but to serve as a check list for people to compare themselves to, in order to find things in their lives to stop doing.

My hope is that FV members will both add their serious thoughts about things people do to ruin their chances of success to this thread, and also review this thread and look for any of these behaviors that they may be engaging in, so that they can change their behaviors.

So, here are a few that top my "How To Fail" list:
-----------------------------------------------
  • Take No Responsibility - Blame everything that happens to you on someone or something else. When you blame someone else, you surrender your power to control your own destiny to the person blamed. Don't give any consideration to people who tell you, "well the situation you are in is a result of the decision you made days, weeks, months, or years ago" - it's a vicious lie designed to ruin your self-esteem!
  • Live Short Term - Whatever you feel like doing today, do it, and don't worry about tomorrow. It's all out of your control anyway, so you may as well just enjoy yourself.
  • Don't Be a Sap - Make sure any time someone gives you an opportunity that you take absolutely everything you can from it while giving as little as possible back. They're only out to screw you over, so screw them over first.
  • Risk Nothing - Lose Nothing - Don't take unnecessary chances - you might fail! Always play it totally safe and never try anything new. If you stop and think about it, you can come up with a long list of things that can go wrong with any new ideas, and you know they WILL go wrong, so why bother trying?

I've got more, but thats a good start.

What are YOUR tips for failure?
 

·
Registered
Joined
·
14,689 Posts
Great topic Greebo!

Here are mine;

~Keep up with the Jones's---even if you're saying you're not, you're secretly coveting their 'lifestyle'. You want that new car, you want the big house, you want the never eat at home thing...... and you find a way to do some of the above even if you can't afford it, just to (ahem) make yourself 'feel better'. lol

~Buy into the adage of 'you're always gonna make mortgage payments (or pay rent) and have a car payment. Modern advertisers have done one heckuva job on that one. It's a bunch of hooey people.

~Stay in the mindset that you are 'stuck' where you are b/c you're too broke to get out of it. You have to start somewhere! There's nowhere to go but up from here....now.

~Feel like you 'deserve' this and/or that b/c things have been so tough lately. You only 'deserve' what you can you afford. You can't afford it if you have to put it on a card, go into debt, or take money that is actually already 'spoken for' in the way of another bill that needs to be paid.

~Don't consider debt as 'borrowed (look it up in the dictionary) money'. When you have debt and you spend money that you could be paying on that debt, you're spending money that isn't really your's.

Ok, next.......:listen:
 

·
Registered
Joined
·
2,280 Posts
*Be indiscriminate in whom you marry/date: Date/marry someone who is not frugal or who feels that once you all are married they no longer need to be frugal in other words does not have the same mindset as you do related to the use of money.

*Believe that being frugal is being cheap and find that being cheap is a detestable trait to have/acquire.

*Having the mindset that pleasing your spenddrift friends/relatives buying/spending is of papramount importance although they are driving you deeper and deeper in debt and actually believing the lie that the only way to be accepted by them is to be a spenddrift.
 

·
Registered
Joined
·
8,566 Posts
Discussion Starter · #4 ·
Don't take advice from others. When others offer you suggestions on how to improve your situation, what they're actually doing is criticizing you for what you've been doing, telling you that you were wrong, and lording their perfection over you. You don't need to take that.
 

·
Registered
Joined
·
479 Posts
Buy anything you want, whenever you want. Hey, they 'gave' you a credit card with a high limit, so you must be able to afford it.

Give you kids 'everything' that you didn't have when you were growing up. Teach them that they 'deserve' the best clothes, shoes, toys. You're a bad parent if you don't ensure they have everything that their friends have, and then some.
 

·
Registered
Joined
·
3,024 Posts
Think that you've "earned the right to do this or that"
You may have worked very hard all your life and feel you are justified in buying this or that, because you 'think' you've earned the right to - will only set you up to be even-steven or under.
 

·
Registered
Joined
·
2,280 Posts
Remove the "B" word from your vocabulary. B meaning budget afterall why worry about how much money comes in and how much goes out it will all even out in the end.
 

·
Registered
Joined
·
2,280 Posts
Good one. So often we have people come here for advice and then just get upset and leave when they are presented with the solution.
sooooooooooooo true!!!!!!!!!!!!!!
 

·
Registered
Joined
·
2,280 Posts
Believe Used goods stores are for losers: Afterall purchasing anything from the GoodWill, Salvation Army etc is for poor people. Why would you want to buy used stuff anyway it is all junk. Also who would want to wear a pair of pants or a dress that someone else had their butt in. Or a couch which someone else sat on. It does not matter if the item is in perfect condition or has been washed/cleaned. While I am at it why buy anything from garage sales it is along the same lines.
 

·
Registered
Joined
·
682 Posts
Define yourself by what you own: You are what you own. Yourself worth is tied to the things that surround you. People come and go but your "stuff" will stick with you. If you carry around a super expensive purse or drive that enviable car you have made it in this world and everyone around you will like you.
 

·
Registered
Joined
·
8,566 Posts
Discussion Starter · #16 ·
Be TOO obsessed with money. Greebo's post suggested this went beyond just financial failure. You may not have debt and that's important, but being excessively, obsessively frugal can banish a lot of other good and very human things from your life.
Very True! Money is NOT everything. (It only seems that way when you haven't got any...)
Sorry - forgot - this thread is tips for FAILURE.

Money IS everything - you should be totally obsessed with hoarding as much as possible!
 

·
Registered
Joined
·
8,566 Posts
Discussion Starter · #17 ·
A lot fail financially, not because their dreams are too big, but because their dreams are TOO SMALL.
That's a great one...
If you must have a goal, make it easy - Earlier I said take no risks. Ok, but sometimes you HAVE to do something different - life is so unfair and throws crap at you all the time, after all. So when something MUST change, make sure you do the absolutely easiest thing possible, so there's practically no chance of failing.
 

·
Registered
Joined
·
307 Posts
LIE -- in order to travel down the road to failure at a nice and speedy pace one must become adept in the skill of lying. The ability to lie so wonderfully that YOU BELIEVE IT is a basic requirement. Self delusion is a must.

"I'll pay this off next month." "I'll get this done tomorrow." "I'm doing fine!!" "I can stop at any time...!"
 

·
Registered
Joined
·
14,689 Posts
Don't stay on top of things; Don't worry about overdraft charges, I mean everyone does it, right? Don't worry about paying those pesky bills on or before the due date, those late charges or arrears don't really add up to that much. Don't save up for big expenses, trips, home repairs, auto repairs, just charge it.....and don't worry, be happy! :D
 

·
Registered
Joined
·
2,280 Posts
Realize that maintenance is for suckers after all you do not have time for keeping track of that along with everything else. You have the oil changes done after all they only take about 20 minutes at Jiffy Lube but who cares about keeping those pesky automotive maintenance schedules such as when you have to have your transmission/radiator flushed, timing belt changed etc. Afterall if you have to much trouble with your car/truck you will just buy a new one. It is just not that big of a deal.
 
1 - 20 of 157 Posts
Top