Anyone else get anxiety spending big amounts of money?

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sly279
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16 Feb 2019, 3:19 pm

AnneOleson wrote:
AnneOleson wrote:
BeaArthur wrote:
sly279 wrote:
Ssi limits car value to $2,000

That can't be true - my daughter's car was valued higher than that. Please re-check your facts.

I’ve just looked it up and there is no value restriction on a vehicle that is used for the persons transportation.
https://www.ssa.gov/ssi/text-resources-ussi.htm

Sly, I think you missed this. You can have a car of any value for yourself.


Exclude one automobile per household, regardless of the value, if the eligible recipient or couple or a member of the eligible recipient's or couple's household uses the automobile for transportation.

My sister owns a car in our household.

Anyways I can’t save up the $18,000 for a car since I can’t save more then 2,000 and I don’t uave any wealthy relatives willing to just give me a new car. I’m not able to get any loans not that I could make the 400-500 car and insurance payments without spending every cent I make on it.
I won’t own another care unless it’s new I’m tired of dealing with them breaking down constantly and always stressed and worried about will it die again on way to work or will it be on the highway or in a intersection.
Even then I couldn’t afford the gas and insurance. If I’d kept working what I was and if housing wouldn’t take my extra away then I could have as I was making $250 extra last few months but in March housing is going raise rent $300 so I’ll be making less if I was still working same hours but low and behold to punish me for chatting every so often and getting my job tasks done quickly rather then slacking off all shift they reduced my 4 hours a week which means $200 less per month.
But housing won’t care. So that extra $300 will still likely be raised as they go off of 3 months past income.
Best hope is I can get into gun library in few weeks and hopefully get back my hours but I don’t feel hopeful for that.



sly279
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16 Feb 2019, 3:21 pm

XFilesGeek wrote:
^ Maybe he just doesn't want one?

Yeah, having a car may open-up more opportunities, but cars can also be a source of stress.

Yeah it’s super stressful, last one died randomly on me. It was always only a matter of when and where not if. Multiple times it died on the road once almost in intersection leaving me stranded and almost in an accident, then having to pay to get it towed.



sly279
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16 Feb 2019, 3:29 pm

I have to wonder if like my family this against it are just because of the gun.
My family would support me spending it on computer or other electronics.
Would there be such backlash if I was buying another computer, console or taking a vacation.
Then you go to gun community they they look down on people buying electronics instead of guns.

Makes me feel I should just burn it. Money seems to be toxic



goldfish21
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16 Feb 2019, 4:04 pm

What's the point in having a bunch of guns to protect oneself from one's own government if one cannot prevent a government bean counter from coming into their bedroom and finding a bit of cash stuffed under their mattress? :?


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AnneOleson
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16 Feb 2019, 9:01 pm

sly279 wrote:
XFilesGeek wrote:
^ Maybe he just doesn't want one?

Yeah, having a car may open-up more opportunities, but cars can also be a source of stress.

Yeah it’s super stressful, last one died randomly on me. It was always only a matter of when and where not if. Multiple times it died on the road once almost in intersection leaving me stranded and almost in an accident, then having to pay to get it towed.

I understand that. My last car was ten years old and held together with duct tape. No resale value at all. My previous one was same age. The transmission died in the middle of a busy intersection. I have a new one now. At my age I figure it’s my last one.



sly279
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16 Feb 2019, 11:45 pm

AnneOleson wrote:
sly279 wrote:
XFilesGeek wrote:
^ Maybe he just doesn't want one?

Yeah, having a car may open-up more opportunities, but cars can also be a source of stress.

Yeah it’s super stressful, last one died randomly on me. It was always only a matter of when and where not if. Multiple times it died on the road once almost in intersection leaving me stranded and almost in an accident, then having to pay to get it towed.

I understand that. My last car was ten years old and held together with duct tape. No resale value at all. My previous one was same age. The transmission died in the middle of a busy intersection. I have a new one now. At my age I figure it’s my last one.


I only got $150 for my last one from a friend :/

It was my second one and I won’t do another unless it’s new. I’d have to sink everything into it and it wouldn’t really make my life better.



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17 Feb 2019, 3:44 am

I do. Most people around me do.

Money isn't easy from where I live. Seriously.


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goldfish21
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17 Feb 2019, 1:10 pm

Edna3362 wrote:
I do. Most people around me do.

Money isn't easy from where I live. Seriously.


What part of South East Asia are you in? How difficult is it to make money there? What's the typical income? What's it cost for housing, food, and essentials? It's always interesting to get a different perspective and learn how other people live.

Before you even respond, I bet it makes my income seem relatively high, and the op's considering of spending $1,000.00 USD on a material item that's not essential for survival seem like a dream, or perhaps very wasteful, depending on your line of thinking.

I know that being working class poor here, where I am, still affords me a very high quality of life compared to global standards. We're only poor here compared to North American standards of having disposable income & the ability to save and invest for retirement while simultaneously paying to own our own homes, be University educated, and drive brand new cars.

I am legitimately curious as to where you are in the world and what your financial/economic situation is, if you'd care to share. Perhaps we could all do a bit of learning from you. 8)


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18 Feb 2019, 7:11 am

goldfish21 wrote:
I know that being working class poor here, where I am, still affords me a very high quality of life compared to global standards.


THIS!

I have a roof over my head and I don't have to worry about starving to death so, if we look at it with global standards, I am very well off, just like everyone else who have enough time to use it on a forum like this. But if I compare myself to the people around me, I am very poor and they all seem well off. My half sister hates it when I laugh at her complains about her money problems but c'mon, she makes more than double the amount of money I need to take care of my basic monthly expenses. She might consider herself poor, but it's because she can't budget properly/is wasteful, not because she doesn't earn enough money. Also, she lives with her partner so they share the expenses and I live on my own...



goldfish21
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18 Feb 2019, 12:57 pm

Fireblossom wrote:
goldfish21 wrote:
I know that being working class poor here, where I am, still affords me a very high quality of life compared to global standards.


THIS!

I have a roof over my head and I don't have to worry about starving to death so, if we look at it with global standards, I am very well off, just like everyone else who have enough time to use it on a forum like this. But if I compare myself to the people around me, I am very poor and they all seem well off. My half sister hates it when I laugh at her complains about her money problems but c'mon, she makes more than double the amount of money I need to take care of my basic monthly expenses. She might consider herself poor, but it's because she can't budget properly/is wasteful, not because she doesn't earn enough money. Also, she lives with her partner so they share the expenses and I live on my own...


Mhmm. By local standards I scrape by, BUT, that's in large part because I have a car on the road & driving is my single biggest expense. Roof over my head, quality groceries, ~new car to drive etc. Even w/o much money left at the end of the month I live a good life.

Similar to you, my twin brother and his gf take home ~3x as much money as I do and he still complains. Wtf? My older brother's household brings in far more money than that and he has difficulty budgeting.. wtf? W/e I just live my frugal life and I'll slowly build my wage up and with it my capacity to save & invest and even though I earn less money rn I have more money than my twin brother and will be able to save a lot more than him, too, simply due to lifestyle choices. They go to restaurants and take vacations, I buy groceries and stick around town. etc. Different priorities & habits make for different results.


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goldfish21
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18 Feb 2019, 1:06 pm

IMO The op's purchasing decision is going to depend an awful lot on his state of mind. If he's feeling depressed and impulsive, he might just opt for retail therapy of the very expensive special interest kind in order to feel better for a bit. Quite often with posts like these people have already made up their mind that they want to blow their money on something and they're just looking for some other people to agree with them so they don't feel foolish spending their money. To that I say, do whatever you want to with your money, sly. If you've wanted this thing for 15 years And you TRULY BELIEVE that this may be the only opportunity you have to possess it for the rest of your life (I don't believe that's true, but if You believe it.) then maybe you need to just say "f**k it, I'm buying that gun because I want that gun & I'm going to have that gun." and not care what anyone else thinks about it. Others have pointed out that you could buy technological things and utilize them, but if You would get much more satisfaction out of the gun than a computer, buy the gun vs. what someone else thinks may be practical. Also know that you'd be spending this money at the opportunity cost of all other things, including healthier food, activities, entertainment, new shoes/clothes etc and so forth and if you don't care one iota about any of those things and indulging in this special interest is the One Thing that you're dead set on doing, then whatever, do it. Just accept that IF there comes a time that you need cash to pay for rent/food/medicine etc that there may come a time when you have to liquidate some assets - i.e. sell this gun, or other guns/things in order to pay bills, and you'd have to accept whatever monetary loss you have to take selling it off if it depreciates in value from the time you bought it.

As long as you're well aware of the consequences of your actions and accept everything that comes along with spending almost all of your money on one special interest item, then go ahead and make your decision and get on with living your life as you see fit.


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EzraS
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19 Feb 2019, 3:25 am

lostonearth35 wrote:
This is just my opinion of course, but why would anyone want to collect guns? Does the collector plan to ever actually use them, and how?


In my family they're just used for target shooting which is a fun activity. Also gun maintenance is part of the hobby. Taking them apart, cleaning and oiling and reassembling.



sly279
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19 Feb 2019, 3:28 am

Another reason I hate saving is then I end up having to pay for family debt rather then getting stuff for myself :cry:



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19 Feb 2019, 6:50 pm

sly279 wrote:
Another reason I hate saving is then I end up having to pay for family debt rather then getting stuff for myself :cry:


Why would you be responsible for repaying someone else' debt? :?

If you didn't spend the money you didn't have And your name isn't on the debt, tell them No. Otherwise it sounds an awful lot like you're letting family members take advantage of you financially. Just tell them in no uncertain terms: "No, I will not pay your debt. I cannot pay your debt. I have a very low income from disability and what part time work I can manage. Pay your own debts, they're not my responsibility." Or something to that effect, anyways. But if others rack up debt and then you pay the bill w/o setting any kind of boundary and saying no, well, then they're going to continue to take advantage of you.


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sly279
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20 Feb 2019, 5:08 am

It’s on my credit card.



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20 Feb 2019, 5:12 am

sly279 wrote:
It’s on my credit card.

Did your relatives trick you to sign for their debts?


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