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  1. #1
    Emperor/Dictator kyuuei's Avatar
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    Default How are you dealing with harder economic times?

    "A lot of people just throw away leftovers. This is something that never happened during the great depression and should not be happening now." -- Gaby Sunheart

    Apparently, I've been very affected by these economic times, and financial security has meant re-thinking how I do everything in my life.. This statement had me thinking, what are trends other people are following to make up for harder times? Are birthdays going back to the simpler things they used to be in the 80s and 90s for kids? Are people going back to weekly dinners or "meatless mondays" or things like that? Or are people not really changing all that much despite the current economics?

    Have you had to adjust your attitude or mentality to look for ways to save?
    (If so..) Have you had to drastically adapt to situations, or have changes just been small ones to create more of a cushion for you?
    Are you looking for more ways to save money on the daily incidentals of your life?
    If you haven't changed at all, do you think you'll need to change the way you do things in case your situation changes?
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  2. #2
    Senior Member Scott N Denver's Avatar
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    My financial situation has changed, and my spending outlook has changed some, but neither was really affected by the current economic situation. The field I used to work in has arguably been devastated by the current economic situation, particularly in Europe.

    I've always been very selective about my spending. I've probably never really actually made a budget, but I'm very conscientious of where my money goes and by and large do not splurge shop. I've had coworkers make comments to me "like just grab the crowbar and break open your wallet already."

    The thing I notice more than probably anything else is rising gas prices, as I enjoy scenic driving and work used to have me driving 100 miles/day. My biggest regular adjustable expenditure has been going out for lunch, which I go through periods where I do more of that and periods where I do less. I tend to avoid going out to dinner due to cost. Currently one of the spending things I look at and question is how much money I spend at the discount bakery rack at the grocery store. Historically, probably my overall largest adjustable expenditure has been price of apartments. I've opted for apartments near work and without roommates.

    My biggest money loss was in the stock market.

    For most young adults without children, the largest easy expenditure change is how often they go out for dinner.

  3. #3
    Senior Member prplchknz's Avatar
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    my little car which holds about 11-13 gallons cost 15 to fill up when i started driving. it's now 50 to fill up the tank. and i just started driving 9 years ago
    In no likes experiment.

    that is all

    i dunno what else to say so

  4. #4
    Senior Member Snoopy22's Avatar
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    Hard times come and go, as stated, this isn’t the first time. Living out of a car or having to figure out how to make a bag of rice last over a month only helps to refine people to succeed in the future by forcing them to expand their planning to more types of possible future events.

  5. #5

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    Quote Originally Posted by prplchknz View Post
    my little car which holds about 11-13 gallons cost 15 to fill up when i started driving. it's now 50 to fill up the tank. and i just started driving 9 years ago
    I was going to mention the cost of keeping and running a car too, I've recently been promoted and my new work location is further away from where I worked previously and I'm working each weekday now, some weeks in my last job there was more driving than I'm doing presently but it was reimbursed as work related for the most part. At present I dont use my car to journeys outside of work, I use public transport if I have to or can, if I'm going shopping and its not local or neighbouring town then I try and do it before or after work when I'm going in that direction anyway.

    To be honest I'm very spartan in my tastes anyway, pretty sure that I apply rules of austerity in good times and bad in order to minimise hardship when there's not much money around, I've saved quite a bit and do try to save a lot each month in case of unemployment or sickness or anything of that order.

    I dont drink alcohol, I dont smoke either, part of the reason is that those are expensive habits, I usually rent DVDs or buy the cheapest reduced ones in sales in preference to the expensive cinema passes which can be double what you'd pay for renting a DVD or purchasing it. I dont own a present console, in part its because I love retro games and dont like the present ones but I find it is also an expense I can do without, the cover price of most new console games could be more than what I'd spend in a slow month of book buying. I dont have any subscriptions to magazines and may browse the magazines or news stands but a lot of magazines come in at the same price as books now, I love hearing about the latest plot lines in comic books but to be honest I pick them up from wikis or forums and wait for the graphic novels or comics to be reduced in bargain book stores or in the Amazon marketplace. I exercise patience too, if there's new books released I'll wait until a publishing glut means there's lots of discount copies about and read them then.

    Books are an addiction, although they arent as problematic as any others, they take up space and I get miserable if any of the favourites or aged rarer copies develop mildew or something and I own way more than I'll likely be able to read in one lifetime. Although like I say its not a big problem and I've lived with no books or few books and lived fine that way, you can only read one at a time after all.

    I wear clothes out, I always have and I'm not a dedicated follower of fashion either, so that saves me money too.

    As far as dating goes, I find that most of the dates I've been on people either want to go dutch or will quickly reciprocate any generosity, same goes for socialising with friends, and most people experiencing hardship the same, there not being a lot of cross class friendships or randomness like that, there's not a lot of stupid keeping up with the jones exercises and if someone suggests going a walk or something which can be done for free or no expense then its understood why and often, rightly, looked upon as a great idea.

    I'm not tempted by a lot of the gizmos and gimics which I find my IT literate brothers are into and buy, a lot of the time waiting for the third generation model or buying last years model which has been perfected but superseded by a new model actually works for me, I have the best sort of iPod prior to the development of the iPod touch, it has no glitches and works grand for what I need it for.

    I'm lucky in many ways because I live at home with my parents and grown siblings, we share the expenses of the household and I dont own a house or have a mortgage yet, its one of the things I'm saving for but I dont have it to deal with at the moment and may wait until the economies globally have recovered or the political tide has turned and the necessary corrections of free market fuelled avarice and rich mans assaults on public spending have ended.

  6. #6

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    Quote Originally Posted by Snoopy22 View Post
    Hard times come and go, as stated, this isn’t the first time. Living out of a car or having to figure out how to make a bag of rice last over a month only helps to refine people to succeed in the future by forcing them to expand their planning to more types of possible future events.
    The issue I have is that this is absolutely right and those who are most likely to influence these cycles, causing recessions or depressions to be more severely felt by others, are the most protected from them and consequently do not do a lot to prevent their severity when they hit or actively profit by it.

    That's even if you consider the business cycle as a sort of inevitable and natural phenomenon, I dont really believe that that is the case or ought to be the case, I think its a convenient lie and supports the same rich special interests I mentioned previously in their avarice. The reality is that the market and economies are meant to be legacies of the enlightenment and sciences, they are meant to be directly related to and products of mankinds ability to grow beyond being fatalistically prey to their environment, seasonal fortune/misfortune or even, atheists would say, God's will as interpreted by religions and priestly castes.

  7. #7
    pathwise dependent FDG's Avatar
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    I don't have a car and plan not to have one. That's the biggest adjustment I made, and I hope the only one. Of course, such an adjustment isn't so easy to implement for someone living in the USA.
    ENTj 7-3-8 sx/sp

  8. #8
    Senior Member prplchknz's Avatar
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    Quote Originally Posted by FDG View Post
    I don't have a car and plan not to have one. That's the biggest adjustment I made, and I hope the only one. Of course, such an adjustment isn't so easy to implement for someone living in the USA.
    I'd love not to have a car, i loved not having a car in chicago but their public transit was so good you didn't need one. Now where I live there are buses but unfortunately my psychiatrist is out in the suburbs and it's a 20 minute drive and buses don't go there.
    In no likes experiment.

    that is all

    i dunno what else to say so

  9. #9
    Shaman BlackCat's Avatar
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    I pretty much refuse to go out to eat unless it's for a VERY special occasion or it's obnoxiously cheap (like at work where I get my food for free or discounted). I avoid going out, which is reinforced by the fact that I really enjoy keeping to myself most of the time at home. This hasn't really affected me that much in my young age, but I feel the gas prices.

    So basically... don't drive that much, work a lot, eat cheap.
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  10. #10
    insert random title here Randomnity's Avatar
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    Student stipend isn't altered by economy, so no change for me. Although as a grad student I live better/more wastefully than I ever have, actually. I don't have a car since public transit is good here, so gas prices don't affect me (other than indirectly by raising transit fares).

    Are you looking for more ways to save money on the daily incidentals of your life?
    As far as this though, yes, always, and hopefully will always continue to do so. I believe in maximizing the happiness I get from money, which generally means minimizing wasteful/thoughtless purchasing, while hopefully not becoming a miser.
    -end of thread-

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