Money Tree, We Need Those!

This post is my entry for 20SB Blog Carnival. We basically have to answer this question : How do you friends and others affect your choices regarding money?

Tough.

I'm simply the last person you should ask for saving tips. I splurge. I make unnecessary spending. A lot. I read blogs with people giving detailed information on how much money they spend or save each week and how they have thorough financial plan and holy shiz, talking about embarrassed.

My friends definitely affect my choice in spending seeing that I'm not married or with kids, so I don't have to support anybody yet. I love hanging out with my friends, and hanging out needs money, right? Some friends affect me more than others. Because I might just go out to eat /drink with a group of people and with different groups? We might go to the movies too. We might go to bars/clubs, go to salon for beauty treatment, and hey check out those cute dresses displayed on the boutique window - they look hot! Shall we try? Oh they look good, we should buy those.

Hung head in shame, people.

Before I know how it feels to really work, by work I mean my now-daily work instead of my fun work rapping and let my inner superstar comes out (haha), my dad practically went nuts seeing my bills every month. Yes, I was that spoiled chick you love to hate. My dad used to pay for almost all of my stuff, even when I was in college. His monthly hobby was screaming at me, asking me whether I really need a 300 dollars dress that I only wear once or a new pair of black heels when I already have a bunch in my shoe closet. Speaking of stupid spending, there's also an eyelash extension, which only lasted for a week. Total rip-off.

I'm happy to say that working has made me less reckless. Especially working at my current office, where you'll be LUCKY if you just get off work at past 9 pm and not past midnight. Don't get me wrong, I love my job but I've experienced dizziness, sore muscles, fever, and a few heavy migraines here so for all those sacrifices, I would be reluctant to spend any of my sweet salary on unnecessary stuff.

By unnecessary stuff, I totally mean one of those bedazzled Hello Kitty blackberry cover. Cute, yes, but for 250 dollars, wouldn't it be better if you save it so later you can buy something cooler and more important like a new flashy laptop or I don't know, a weekend trip to Hongkong?

However, I also wouldn't say I've made smarter choices already. There are still times that I will most certainly spend. As I told you before, I love hanging out. I will almost always accept fun invitations from my friends to meet them for anything. But I figure now I can be smarter if they ask me to go shopping with them. I'll definitely try not to buy random stuff just because they're cute. I went out with a friend today to a huge Mango sale. SO MANY CUTE STUFF. If I followed my impulse, you bet I'd go out of the store with a bunch of shopping bags totally regretting everything when I got home. But NOPE. I didn't buy anything. Sure it took me to leave the store for a bit to do a little breathing exercise and calm my heart beat but I DID NOT buy anything.

Yay me.

Thank goodness it wasn't a shoe sale. I would have a panic attack before I force myself to go out of the store and do breathing exercise.

What's the one thing you must splurge on?





ps. My score for Charles Schwab Financial Fitness Quiz is 57. Woops. I need to change my habit.

23 comments:

  1. // krissy ♥ said...:

    Oh Ndee, I can totally relate to this post! Before (and even after I already started working), I was a total spend-aholic. I buy on impulse anything and everything I see and regard as cute. But three years into the same habit made me realize that the world will never run out of cute stuff for me to splurge on so I would just have to suck it up and learn to control myself. I have learned to rein myself in, methinks. But if there's one thing I just HAVE to splurge on, it would be shoes as well! Yay for pretty shoes :D

  1. S.Elisabeth said...:

    Ah I don't splurge. Luckily (or unlucky maybe) my mom instilled this huge sense of thriftiness in my brain from the time I was little. Though I do have my major shopping moments! Though I've learned my lesson after buy a $70 bag and it broke on me a few months later!

  1. Nashe^ said...:

    Same here; only when I started a relief teaching job did I actually think about finances! After that I was quite surprised when I realized I had (a lot of) savings when my friends were broke. THAT was a personally good feeling.

    And sorry if I sound like a pig? but I love spending on good food. It doesn't make sense to some, coz food doesn't last long but heck whatever!

  1. Sheri said...:

    Yay for being more money-conscious. It is hard, I've been there too. My parents used to pay for lots of my stuff, well mainly rent and food and some clothes when in college (1st time). I didn't splurge as much as you (BUT I so would have if I could've gotten away with it) LOL Having to work hard to get your paycheck def. makes us appreciate money more and want to save it for something GOOD.

    I mainly splurge on DVD stuff, clothes, anything really good on sale, etc. I "try" not to buy stuff not on sale, that way I can get more. :)

  1. Nikolett said...:

    Ahh I can definitely relate; I can't splurge as much because I'm trying to rely more on my own funds rather than my parents, but they paid for my schooling and insisted that I don't work during the school-year, to the point where I just wanted to take their money and go crazy with it. I splurge on nail polish and pretty shirts - I have TOO many shirts and not enough pants/skirts. But at least working has taught you the value of your own paycheck; I found that once I pay for something really valuable with my own money (I paid for my own digital camera), I really realize how money can be well spent rather than just ... spent, if y'know what I mean!!

    And please take me to Hong Kong with you :D

  1. sssdawna said...:

    i grew up poor and my husband spent a good deal of his childhood on the streets. i've been working since i was 16 and he was working even earlier. now we both love to have the finer things in life that we couldn't have when we were younger, but sometimes i just feel so bad when i spend $$$ on something frivolous like a handbag thinking about how it could have helped someone LOL

    that's one reason i love watching haul videos and reading shopping posts so that i can "shop" without the guilt! hehe i think it's good that you're more aware of how valuable your time/money is : ) but you have been blessed with $$ for a good reason so don't forget to have fun with it! and tell us all about the fun
    ; ) xox

  1. Actually, I have become quite the little saver this past year! I splurge on food though, sometimes it nice with something extra to eat! But I've become an expert at saving, who knew it was possible? One of the trick is to avoid stores all together..

  1. Pop Champagne said...:

    hahaha totally agree with you, i spend like crazy cuz i work full time and got no husband or kids. I figured when I got kids then I can't spend and do what I like, so why not now!

  1. Cheryl said...:

    YES WEEKEND TRIPS TO HONG KONG
    TAKE MORE OF THOSE AND I'LL COME MEET YOU.

  1. Gnetch said...:

    I agree that a person will only understand the value of money when they experience how hard it is to earn it. Awesome post! :)

  1. carissa said...:

    Ugh. I didn't do this blog carnival because I'm an absolute failure at money and all things related to it. Seriously. I live paycheck to paycheck and though i don't have the money to buy ANYTHING, which makes it a little bit better, I still find i spend needlessly, especially on alcohol.

  1. Maryx said...:

    I can't control myself with arty crafty things. It's my weakness. Where everyone freaks about clothes and accessories, I'm designing and creating.

    Good luck!

  1. Lucy said...:

    I think we all struggle with the NEED vs. WANT question all the time. It we really truly bought only NEEDS, wow we all would be so much better off but by golly sometimes YOU NEED A WANT (LOL)

  1. LiLu said...:

    Oh, jealous. $300 dresses? I can't even imagine!

  1. P said...:

    I don't splurge on anything really to be honest, but I do buy a lot of stuff. I buy tons of dresses and books - they are my main expenses really!

  1. Samantha said...:

    I've left you an award!! come check it out at my blog :)

  1. freeteyme said...:

    I am officially in shopping rehab this year - too many expenses for the wedding - it is killing me! I am so proud of you for taking control. You go girl!

  1. freeteyme said...:

    BTW, where can I find Indonesian wedding traditions? GG's mom is Dutch-Indo and we are planning on incorporating our mixed traditions into the wedding. Any good online resource you know or heard of?

  1. ScoMan said...:

    It sounds like you're growing.. good on you. There's no shame in spending while you're young and single though. You might as well enjoy yourself before you get weighed down with other responsibilities and have less for you.

    Most of my impulse buys are DVDs, music, video games etc.. I try to avoid those websites, but if I find something on special I'll buy it straight away.

    It was easy for awhile because there's really nowhere in this town to get that stuff.. but I've been spending so much time buying from the Internet I know all of the people in the post office by name now.

  1. I just read your post. I can relate this, I like hanging out with my friends too coz they are the ones who can lessen my stress at work ;-).
    I used to spend money from my sisters who supported me in my studies before but now I've realized when I got already a job indeed its not easy to earn and just spent it just as two seconds in the counters hehe. I need to manage my accounts :-(

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  1. SassyGirl said...:

    I don't usually splurge, but for me, the more I work, the more I spend. It's totally the opposite from most people. When I was younger and living off my parents, I was so thrifty. But after I started working and spending my own money, I was much more willing to make purchases that I didn't used to make. My last splurge was spending $500 on my hair for a Japanese straightening. I didn't want to have to straighten my hair every morning while I was traveling through Europe. It's supposed to last at least 8 months, but 2 months later, it's already starting to fray again. wtf.

  1. Skinny Dip said...:

    I'm bad - l love to splurge on clothes, SHOES (hi kindres spirit!), beauty products & of course nights out with my friends.

    When it comes to shoes & clothes I've taught myself to be less impulsive. Now, I'll save up to buy one really amazing thing rather than dropping $30, $40, $50 every time I go out shopping (which is more than I like to admit)