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    Default Your relationship to money

    Do you think its determined by your childhood? So if you've been rich but started out poor do you remain "cheap"? Either because you value it too much or enjoy being rich too much?
    Last edited by Survive & Stay Free; 09-08-2012 at 04:47 PM. Reason: added a bit to a sentence

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    Mojibake sprinkles's Avatar
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    I think it's more about psychology.

    Some people just cannot keep money. It's like they are some kind of sick, like a spending addiction. I've seen people come into a good chunk of money and then throw it all away just to end up poor again.

    Also I think hand to mouth living might be somehow instinctive and some people simply don't have the foresight to even think about the future just a little bit. It's like being color blind - they just don't seem to have the ability.

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    Senior Member cafe's Avatar
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    There's a Cracked article related to this that seems fairly accurate to me. I'm still working on overcoming some of the bad money habits I have from growing up poor. Unfortunately, I probably will not have managed it in time to avoid passing some of them on to my kids.
    “There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged. One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, unable to deal with the real world. The other, of course, involves orcs.”
    ~ John Rogers

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    Senior Member swordpath's Avatar
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    Money in, money out for me... But I've never made good money. I want to do better in saving once I have a full-time job.

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    Mojibake sprinkles's Avatar
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    Quote Originally Posted by cafe View Post
    There's a Cracked article related to this that seems fairly accurate to me. I'm still working on overcoming some of the bad money habits I have from growing up poor. Unfortunately, I probably will not have managed it in time to avoid passing some of them on to my kids.
    Yeah I'd say that's spot on. I've seen a lot of it personally.

    Another habit I've seen (and my mother did this one a LOT) is rather than pay off one debt when the opportunity presents itself, especially if you can let the others slide for one month, she tried to put a little on all of them. It's basically throwing money away when they start tacking on interest and fees.

    It should be like: catch up the rent, bam - more income is free to catch up on the next thing. This is now paid off, bam - now it isn't sucking up our funds and we can pay this other thing off too. She wouldn't do it though. She'd maintain the same debts forever and ever and make new ones borrowing money from people and not paying them back either.

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    Senior Member ms.behaving's Avatar
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    Quote Originally Posted by Lark View Post
    Do you think its determined by your childhood? So if you've been rich but started out poor do you remain "cheap"? Either because you value it too much or enjoy being rich too much?
    Yes! My dad always bought me whatever I wanted. My husband has done a good job at teaching me how to manage money.
    - MB

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    I've gone through cycles. Usually, I can save well.

    But there have been periods in my life where I have spent obscene amounts of money in one night. Hopefully, those spending sprees are over.

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    I think it is definitely influenced by your childhood, but personality matters a lot too. I have 3 sisters - 2 of us are pretty thrifty, bordering on cheap, and the other 2 are "spend til it's gone" types - total opposites. Interestingly, one of the "spend til it's gone" sisters has a very similar personality to me (isfp) but is quite a bit younger and with more mental issues.

    The cracked article @cafe mentioned was pretty bang-on for my family growing up (minus the extravagant gift-giving thing, since we were never in a position to do that and still aren't - we went more the other way as we became adults, going for more homemade gifts and other small things). I'm literally the opposite of every one of those habits (sometimes too far, actually), but my mom still has most of them. The "money has to be spent right away" is the one that kills me. Lots of my friends are like that too though - it's not exclusively a growing up poor thing, by any means. It actually seems more like the rule than the exception, at least in my age group.

    I'm not sure whether my attitude towards money will change when I finally get a real job, though - I'm still in grad school and make enough to live on but not really enough extra to invest. I have a small safety cushion in savings that I'm slowly adding to, but my spending is pretty variable because I tend to buy things on sale and stock up, and have never tried to follow a budget - I just try not to buy anything unless it's really worth the cost to me, and try to get the best possible price for everything.

    edit: I should add that I think a lot of my attitudes about money have come from constantly thinking "don't be like parents don't be like parents". But it's hard to really say what my attitude would have been had my family earned more money. I suspect I would not be as strongly self-preservation oriented, but it's not like you can ever know for sure.
    -end of thread-

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    My parents ESFP dad and ISFJ(really immature mom)were really bad with money. REALLY bad. We weren't poor, but we were, because my mom spent everything right away on stupid crap that was not useful.It was mostly all frivilous. My dad kept a "Mad Money" Jar for the times that he was angry and just wanted to spend money on what he wanted. They have a joint checking. <----I will NEVER do that...especially after working at a bank.

    I'm almost the complete opposite of them with the exception of keeping the mad money jar. I like the thought of having money when i'm completely broke to spend on twizzlers or whatever. I find it easy to make money, I don't care about it as much as my parents do(or other people in general) and I find it pretty easy to save. I don't think I would say I make "good" money though. I have made it my job to eliminate all useless bills, ie: I don't spend $90 or so a month on a cell phone bill cause I hate phones.

    In regards totThe physical aspect of money, I actually miss counting money at the bank. weird.
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    Quote Originally Posted by Lark View Post
    Do you think its determined by your childhood? So if you've been rich but started out poor do you remain "cheap"? Either because you value it too much or enjoy being rich too much?
    Well I've been through many states when it comes to moneys.
    When I was a child it wasn't so meaningful to me. When I had it I just kinda put it away in my sock drawer or something and would usually have about $5 on me at all times. I'd loan it out to my friends or buy them things from the ice cream truck or whatever. On average I didn't spend much throughout a week... certainly less than I acquired within a week. I had a lemonade stand and kinda just thought of it as a game, like monopoly. No one cares about the money they make in monopoly but they still have fun making it and want more of it.

    Then I got a bank account and just kinda put my money in there.
    My mother had access to said account and took my money and bought cigarettes and alcohol with it.

    In high school I started making money again selling cookies and such to kids. And like when I was a child it wasn't of much value to me really since I had nothing to spend it on and already had what I wanted.

    My mother stole all my money again.
    I got pretty pissed and figured it's my money so I should get what I want with MY money. Not others. Then I got into a habit of spending my money before others could take it from me.

    At some point when I was on my own I was responsible enough to pay my rent but still had the habit of spending before someone could take it from me.

    Slowly I've gone back to the point where I don't see much I care to buy and just kinda put my money away in the bank and let it pile up.


    I only really saved money simply cause I never say much that was worth buying and tend to wait for things to get cheaper or free.

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