As far as statistics go, there’s a 10% chance that you WON’T be in debt at some point in your life. With the cost of living going up, and pay checks remaining the same, it’s hard to live within your means without some kind of outside help (loans, credit cards, etc) or even the ability to just break even. Unless you have a joint budget with your wife/husband/mate, you’re most likely spending more than you’re bringing in. Savings accounts are dwindling and no one is really happy with where they currently are.
I’m a saver, while I do binge on random items, I penny pinch. It’s how I was raised. There’s no point in dropping money on items that you don’t really need. Money earned is meant for bills, food, etc. Sure, sometimes you can find me at either Wal-mart or Kmart looking for clothes but that depends on the status of my closet. I don’t intend to be making any immediate purchases considering I’ve been losing about 5 pounds a week for the last few weeks. My goal is to drop quite a bit and there’s no point in spending money on clothes when I’m going to have to keep buying more.
I like nice things, I won’t deny this. I just don’t see the point in spending money on them when they aren’t really necessary. Yes, I don’t need two computers but when you work online as much as I do, it’s nice to have a bit of variety. I can’t sit at a desk all day, I need to move around. I’ve been on the desktop all night while my laptop takes a break, you can find me on that more than half of the time.
I just think it’s important that people start living within their means, and not depending on the banks/government to pay their way. It’s sickening to me.