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Why do so many people....


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#1 LifesGood

Posted 24 December 2012 - 03:47 PM

Just something I have observed quite frequently and often wonder about.

She has a rock on her ring finger the size of a pea, he has a $70k car, the baby is in a Bugaboo pram, but they rent a shoebox on the outskirts of town and live from pay packet to pay packet.

Why do some people do this?



#2 .Jerry.

Posted 24 December 2012 - 03:49 PM

Because different people have different priorities, different values?


#3 LynnyP

Posted 24 December 2012 - 03:50 PM

Because that is what makes them happy?  Not everyone is a closet actuary.

#4 Freddie'sMum

Posted 24 December 2012 - 03:51 PM

Because it makes them happy ??



#5 ~buzz~

Posted 24 December 2012 - 03:52 PM

QUOTE (.Jerry. @ 24/12/2012, 04:49 PM) <{POST_SNAPBACK}>
Because different people have different priorities, different values?


agree with this. Its their choice what they decide to spend money on and maybe having a nice car/pram/ring is what's important to them at the moment

#6 Guest_Maybelle_*

Posted 24 December 2012 - 03:53 PM

They are probably bogans, OP.










(Couldn't resist  wink.gif)





Edited by Maybelle, 24 December 2012 - 03:54 PM.


#7 kadoodle

Posted 24 December 2012 - 03:58 PM

Some people aren't very good at delayed gratification.  I have a relative who drives a Hummer, lives in a McMansion, always wears designer clothes but is too broke to afford food some weeks.

#8 Fr0g

Posted 24 December 2012 - 03:59 PM

Spoiling for a Christmas Eve, bun-fight, eh....?

#9 caroldiem

Posted 24 December 2012 - 04:00 PM

Some people like to show off and act like they have everything when the truth is they are up to their eyeballs in debt. Everyone is different and i guess if that is what makes then happy then so be it.

Personally for me if you don't have the money in the first place then you don't get to buy it.

E.G my hubbies dream is to own a BMW now he could get one on lease through his business but my opinion was when you make enough money in your business so u can pay for that car in cash upfront then you should buy it fortunately he agreed original.gif

#10 LifesGood

Posted 24 December 2012 - 04:01 PM

Oh come on people, I'm seriously trying to get to the bottom of this! I'm interested to understand - several of my friends and relatives are like this and plenty of colleagues at work.

Sure it makes them happy, but what is behind it? Why does it make them happy?

I know the first few replies are usually gut reactions rather than thoughtful opinions, so I'll wait patiently for some deeper answers....

#11 Guest_Maybelle_*

Posted 24 December 2012 - 04:03 PM

QUOTE (stopwhiningatme @ 24/12/2012, 01:54 PM) <{POST_SNAPBACK}>
Maybelle, how rude.

They're cashed-up bogans.


Lucky bastards...that is the best kind of bogan to be!



#12 Stellajoy

Posted 24 December 2012 - 04:03 PM

Have you driven a $70k car? They really do make you friggin happy.

#13 Oma Desala

Posted 24 December 2012 - 04:04 PM

We rented a really tiny 'dog box' when we lived in Darwin even though we could afford a much nicer place just so that we could save more towards our house deposit. We still have nice things but always save up and pay cash and budget quite tightly so to an outsider we could look like we're living from pay to pay even though DH is on a pretty good income.


#14 babychacha

Posted 24 December 2012 - 04:06 PM

QUOTE (Stellajoy @ 24/12/2012, 05:03 PM) <{POST_SNAPBACK}>
Have you driven a $70k car? They really do make you friggin happy.



Lol - no I haven't but that cracked me up.

I think I read a saying somewhere recently....

Money won't buy you happiness but I would rather cry in a ferrari.....or something similar.


OP - could be just a case of keeping up with the Joneses.

#15 LookMumNoHands

Posted 24 December 2012 - 04:06 PM

Maybe they want to spend their money as it comes in, because the world might end tomorrow?





Oh, yeah. That was last week.  cool.gif

#16 bluecardigans

Posted 24 December 2012 - 04:07 PM

Why do some people put every single cent into their home and leave themselves without funds for anything else?  People spend their money on what is important to them. I assume for you it is important not to live in a shoe box on the outskirts of town? Not everyone would list that as their highest priority.

#17 LynnyP

Posted 24 December 2012 - 04:08 PM

It isn't really deep.  Nice things are nice.  It is nicer to have a nice thing now than to purse your mouth up into a cat's bum and count your cash.  Old people are miserable anyway so why save for then?

#18 .Jerry.

Posted 24 December 2012 - 04:08 PM

QUOTE
Oh come on people, I'm seriously trying to get to the bottom of this! I'm interested to understand - several of my friends and relatives are like this and plenty of colleagues at work.

Sure it makes them happy, but what is behind it? Why does it make them happy?

I know the first few replies are usually gut reactions rather than thoughtful opinions, so I'll wait patiently for some deeper answers....


Why would having a mortgage for a bigger house but no nice things be better?  Why is renting a problem?
I don't currently own a house.  I rent.  shrug.gif

I have, at various times in my life, lived from pay check to to pay check.  (but I've never owned a bugaboo pram)
I used my money for travel and have been criticised for doing that rather than taking out a mortgage.

It is also possible you don't know the full picture.

#19 Cat People

Posted 24 December 2012 - 04:09 PM

Some people value real estate, some people value cars/rings/whatever.

If you can't afford to buy a house, why not have other nice things?  A little luxury you can afford.

I don't understand why anyone -with or without own home - would want an expensive car/pram or a diamond ring.  But that's me.  Those things don't appeal.  Some people love them.

#20 MintyBiscuit

Posted 24 December 2012 - 04:11 PM

Maybe they bought said ring, car and pram and then had financial problems? Not overly likely, but you never know. And it could be that they got those things cheaply, or won competitions, or were given them as gifts.

Some people care deeply about appearances, even if it's hiding a mountain of debt. It could be for all sorts of reasons. I know of people who grew up with money who are like this, and people who grew up poor who are like this. I really don't think there's any one answer.

#21 LynnyP

Posted 24 December 2012 - 04:12 PM

I'm way too invested in this, obviously.  But really, many people are not "putitng on a front" they aren't trying to look better off than they are.  They aren't keeping up with anyone or trying to appear like they have no debt.  They just like the shiny.

#22 LifesGood

Posted 24 December 2012 - 04:14 PM

QUOTE (.Jerry. @ 24/12/2012, 05:08 PM) <{POST_SNAPBACK}>
Why would having a mortgage for a bigger house but no nice things be better?  Why is renting a problem?
I don't currently own a house.  I rent.  shrug.gif

I have, at various times in my life, lived from pay check to to pay check.  (but I've never owned a bugaboo pram)
I used my money for travel and have been criticised for doing that rather than taking out a mortgage.

It is also possible you don't know the full picture.

I haven't suggested it's better or worse or a problem, I just wonder what the drivers for these choices are. It's more than possible I don't know the full picture, it's a certainty, hence the questions.

I assume there is more to it than 'it's nice' and they don't want to end up with a mouth like a cats bum (though that is a compelling reason I agree).

#23 Expelliarmus

Posted 24 December 2012 - 04:14 PM

From what I can tell from your OP you are wondering why people have a whole bunch of material possessions in the form of jewellery, prams and cars but still don't own a home or haven't saved any money.

Well, it's a number of things.

Because breaking into the property market is really, really, really hard.  So if you are never going to actually be able to afford that dream, why not fulfil some others? Not everyone has a dream of owning a home so that part of it doesn't even come into it IMO. You have really no cause to judge where someone lives.

People might wonder about where I live. We moved into a leafy green (expensive) suburb while I was still a SAHM, DH was on a really low wage and we were living paycheck to paycheck for a loooooong time. Why were we buying in such an expensive area? Surely we had no business doing so and should have moved into a 'more affordable suburb'?

Same question - different slant.

Where they live is irrelevant, so suburb on the outskirts? Pffffft. Take that out of your question.

Renting is taken care of by the difficult to enter property market. SO there goes that part of the question.

The rest of your question relates to why they have all the material stuff and live week to week. Well think about it.

If you bought all that stuff it's WHY you live week to week. As for why people choose to buy expensive and then live week to week instead of buying cheap and saving. Well I pose this question.

Who's to say that buying cheap and saving is the 'right' way to do things? If you've decided not to aim for property then you might be spending on other stuff instead - save for what?

Some people say to themselves "I don't want to go on a holiday, I would rather buy a really expensive car, because I like them."

Or there could be a whole load of poor economical management baloney behind it all. And if we open up that can of worms you can get all judgey if you like. I prefer to accept that people live and spend as they choose. As is their right. Because there isn't one 'right' way to do things.

#24 LifesGood

Posted 24 December 2012 - 04:17 PM

QUOTE (Madame Catty @ 24/12/2012, 05:09 PM) <{POST_SNAPBACK}>
If you can't afford to buy a house, why not have other nice things?  A little luxury you can afford.

Excellent point Madame Catty.

#25 YellowKittyGlenn

Posted 24 December 2012 - 04:20 PM

I'm with Jerry.

To my family it seems like I live month to month but in reality I don't. I look like I "waste" money on travel, expensive jewelry, handbags, shoes etc but in reality I don't live month to month I do rent but have no desire to buy I want what I want whilst I have the freedom to. I suspect once kids come into it that part of my lifestyle will be no longer. But until that time I will spend my money as I see fit even if it is much to my families chargen.

I don't get how people claim to know so much about other peoples finances. Surely it's more speculation then fact.




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