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am i cheap?

GotteskriegerGotteskrieger Member Posts: 3,170 ✭✭
edited August 2007 in General Discussion
i am debt free. own 2 houses,2 junky cars and one good car.always been a blue collar working stiff and have a king size pension and 401 account and a healthy checking account. to put it mildly i am sitting on a ton of money. i went to a store and they gave me an interest free card for 1 year. i bought some stuff and now i am flipping out over oweing 1100 bucks. i guess i will take some of it back. in the scheme of things 1100 dollars doesn't even scratch my assets but i have it in my head that debt is the devil himself. i ain't cheap when it comes to eating out or day to day living but i can't seem to bring myself to buy a new car or cycle or any pricey item. last big ticket item i bought was a dpms .223 for $800. i also have it in my head that the bottom could fall out any day. am i what you call a cheap S O B?
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Comments

  • wundudneewundudnee Member Posts: 6,108 ✭✭✭
    edited November -1
    Save it, your heirs will really enjoy it.[:D] You're not cheap, maybe thrifty. Go buy yourself a few more toys.
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  • fishermanbenfishermanben Member Posts: 15,370
    edited November -1
    ain't a damn thing wrong with being fiscally responsible. If you're looking for a job, you might consider politics.

    Ben
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  • OdawgpOdawgp Member Posts: 5,380 ✭✭
    edited November -1
    i often worry about the bottom falling out IMO all the saved money in the world ain't going to get you through it. If it is all electronic money when this happens you'll play hell getting it.
    buy GOLD pure GOLD it will be about the only thing worth a damm should that ever happen. IMO

    and yes you are cheap

    just pay the $1100 and you will sleep better and still have the items in which you purchased

    JMO
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  • slipgateslipgate Member Posts: 12,741
    edited November -1
    You'll be the richest one in the cemetary!

    Or what my (Jewish) friend used to always say, "What are you saving up to be, Jewish?".
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  • Jacob2008Jacob2008 Member Posts: 19,528 ✭✭✭
    edited November -1
    Buy up gold and ammo. Wont regret it.
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  • jimbowbyjimbowby Member Posts: 3,496
    edited November -1
    [8D]--Your CHEAP and the rest is BS--

    --[^][^]--JIMBO
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  • Marc1301Marc1301 Member Posts: 31,895 ✭✭✭
    edited November -1
    Pay off the "interest free" card balance in 11 payments.
    Free money, unless you can't do that.
    100 bucks a month should be no issue for you.
    "Beam me up Scotty, there's no intelligent life down here." - William Shatner
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  • SCorversSCorvers Member Posts: 2,063 ✭✭✭✭✭
    edited November -1
    No, your'e not cheap. Your'e smarter than the average citizen.
    Pay off that "interest free" card ASAP, unless you want to pay hefty interest and fees.
    I myself have 13 years left to pay on the house, plan to have it paid in 5. Vehicles are paid for. Just bought a boat on a secured loan and plan to have it paid in 2. Credit card I was using to buy gas is giving me crap about paying once a week, so they are getting paid off and cut up.
    It's nice not being up to your eyeballs in debt. Keep up the good work.
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  • 50-70RB50-70RB Member Posts: 706 ✭✭✭
    edited November -1
    You're doing everything right-moreso if you use cash and get receipts (as good or better for records) vs. write nuisance checks. I and my son-in-law (he's a contractor) put just about everything on this sporting goods credit card (Scheel's, Bass Pro Shop, Cabela's all have them) and then pay the whole balance off each month. We've gotten a ton of points and can hardly think of anything else we need from the store we've bought so much stuff with points the last 3 years.
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  • gbeggrowgbeggrow Member Posts: 5,499 ✭
    edited November -1
    No worries....you're a man of vision. You've chosen not to be a "slave to the grind". I've learned in time that this is exactly how you need to function in this "system" to get ahead. What you've recently done can only help your rating. Once you pay it all off you can look forward to having a mail box full of credit card offers trying to get you back in debt again![:D][:D]

    quote:Originally posted by Gotteskrieger
    i am debt free. own 2 houses,2 junky cars and one good car.always been a blue collar working stiff and have a king size pension and 401 account and a healthy checking account. to put it mildly i am sitting on a ton of money. i went to a store and they gave me an interest free card for 1 year. i bought some stuff and now i am flipping out over oweing 1100 bucks. i guess i will take some of it back. in the scheme of things 1100 dollars doesn't even scratch my assets but i have it in my head that debt is the devil himself. i ain't cheap when it comes to eating out or day to day living but i can't seem to bring myself to buy a new car or cycle or any pricey item. last big ticket item i bought was a dpms .223 for $800. i also have it in my head that the bottom could fall out any day. am i what you call a cheap S O B?
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  • select-fireselect-fire Member Posts: 69,527 ✭✭✭✭
    edited November -1
    Unless your a multi millionaire keep going...
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  • kristovkristov Member Posts: 6,633
    edited November -1
    You are not cheap, you are highly focused on avioding debt and frugal with your money. In a way you remind me of one of my partners at the firm we own who is a retired Lt. Col. from the Corps of Engineers. Lyle (The Col.) spent 20 years in the Army and saved every penny he earned and during this time he developed the art of avoiding buying anything to an extent that still amazes me! He never married (smart) has no kids (smarter) lives in what most would consider to be a modest townhome (paid for) and he drives a ten year old car (although it is a Lexus). Getting the man to open his wallet to spend even a dollar usually takes a pry-bar and about a gallon of WD40. Keep up the good work.
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  • fishkiller41fishkiller41 Member Posts: 50,608
    edited November -1
    YES, and a "braggart" too..[:D]

    Jeff
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  • GotteskriegerGotteskrieger Member Posts: 3,170 ✭✭
    edited November -1
    quote:Originally posted by select-fire
    Unless your a multi millionaire keep going...


    on paper i am a millionaire but millionaires are as common as dirt.[:D]
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  • jimdeerejimdeere Member, Moderator Posts: 26,277 ******
    edited November -1
    I'm in a similar situation as you, G. My pension and 401 may not be huge, but my farm and other property is paid for. Car payments are for losers. In fact, all payments are for losers.
    My wife is as frugal as I, but she pestered me for a year to buy a new Harley. I had one when we met, but sold it to pay on the farm. I finally relented last May and am so glad I did. She loves riding more than I do! We paid a big chunk down and will pay it off in the spring when we get our bonuses.
    I think that some of us that worked our way up financially are fearful of everything crashing. I know I am. I've been poor. I didn't care for it.
    What I'm trying to say is, enjoy life a little. It don't cost much.
    Like the guy says on the auction side, "It's only money, I have confidence in you. You'll make more of it."
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  • jwb267jwb267 Member Posts: 19,664 ✭✭✭
    edited November -1
    you are not cheap but smart. keep living your normal life, buy what you need save the rest. depending your age, you never know when a major health issue may arise with you or your family member
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  • select-fireselect-fire Member Posts: 69,527 ✭✭✭✭
    edited November -1
    quote:Originally posted by Gotteskrieger
    quote:Originally posted by select-fire
    Unless your a multi millionaire keep going...


    on paper i am a millionaire but millionaires are as common as dirt.[:D]


    The key word in my post was MULTI..
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  • PennyPincherPennyPincher Member Posts: 126 ✭✭✭
    edited November -1
    quote:Originally posted by Gotteskrieger
    i am debt free. own 2 houses,2 junky cars and one good car.always been a blue collar working stiff and have a king size pension and 401 account and a healthy checking account. to put it mildly i am sitting on a ton of money. i went to a store and they gave me an interest free card for 1 year. i bought some stuff and now i am flipping out over oweing 1100 bucks. i guess i will take some of it back. in the scheme of things 1100 dollars doesn't even scratch my assets but i have it in my head that debt is the devil himself. i ain't cheap when it comes to eating out or day to day living but i can't seem to bring myself to buy a new car or cycle or any pricey item. last big ticket item i bought was a dpms .223 for $800. i also have it in my head that the bottom could fall out any day. am i what you call a cheap S O B?


    Smart.
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  • nyforesternyforester Member Posts: 2,575 ✭✭✭
    edited November -1
    Yu sound like a cheap penny pincher to me. Go out and enjoy yourself. Buy a 4 wheeler, a new car and maybe a new toothbrush. Life is too short and you can't take any with you !!
    Abort Cuomo
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  • sarge_3adsarge_3ad Member Posts: 8,387 ✭✭
    edited November -1
    Cheap is when you only allow yourself to use 1 sheet of toilet paper to wipe your *, and then flip it over for the final clean-up.
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