Hellobee Boards

Ummm..... just because today MIGHT be your last, doesn't mean it will be. And if you spend all of your money today and then make it to tomorrow, you're screwed.

We live conservitavely, but we do spend some money on fun things and vacations. We don't take big vacations like we would if we had more money, but it's still fun. And right now my priority is keeping a roof over our head. Literally, we need a new roof.

We definitely live conservatively. My single biggest fear is becoming a burden on my children (even though we don't have kids yet). I made it a priority to save for retirement as soon as I started earning an income. We have built up a nice rainy day fund and additional savings to plan for the "what ifs". We also have life and disability insurance.
I look at my friends who are throwing money around and living beyond their means and sometimes I think "sure, you're having fun now, but what about when you're 70 and you have no savings and your children have to start supporting you" and I actually feel bad for them.
Sure, we may not have a ton of money to throw around, but we live comfortably and I can sleep well at night!

I think a balance is key. I want to enjoy my money now, but I don’t want to screw over my future self either – so we pick a few select areas to spend more in today that are important to us, and when trip planning just prioritize saving a little more each so we can have that nice vacation, but not dip into savings and not impact our lifestyle too much. I don't think its smart to try to "have it all" for everything in your life, but you don't want to live like a miser and not enjoy what you have, either.

I think saving and planning for your future is really, really important because while it’s relatively easy to make up lost 401k contributions, savings, etc. when you are 30 or 40, it’s nearly impossible to do so when you are 70 or 80. You either plan for it and act on it now, or you hope social security, family, someone else or the lottery protects you later.

We live pretty freely. But not crazily. The hubs is a banker and is very good with money so he keeps us in check but we believe that we can spend money on things that we want, within reason. We don't penny-pinch too much.

Hehe this is an Aesop Fable!

http://en.wikipedia.org/wiki/The_Ant_and_the_Grasshopper

I'm an ant for sure...

Both. On experiences, we'll splurge, but cars, etc, save. I need a car now and I'm getting the basic in a car- all it needs is to be safe and good on gas. Kind doesn't matter.lol

Most of the time, we live conservatively. Now and then we make decisions based on we may not have this opportunity again.

We live very conservatively. We're very practical and only buy things we can afford now (but we do have a mortgage). In the beginning our goal was to pay off our mortgage early, but now the priority has changed a bit after the pregnancy. We save more now, making sure we'll be fine in case something unexpected happens.

But vacations are a priority - we think it's healthy. We wouldn't sacrifice it for say, home renovations (if it's necessary renovations, then that's a different story). But so far it hasn't come to that *knock on wood*.

When I was single, I was YOLO type of person. I had no responsibilities outside of myself and would splurge whenever I had the chance. Moving out to the countryside changed that and then being with DH solidified it. People here live simple lives, and it took a while to adjust, but it's definitely something I want to continue pursuing.

i think we live a good balance, but luckily, it's because my husband makes enough for us to have a good balance. we save a lot, but we also have fun - go out to eat, go on trips, buy what we want/need, etc.