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In what aspect of life are you best a cheapskate (aka summoning your inner Dave Ramsey thread)?

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  • Swaye
    Swaye Moderator, Swaye's Wigwam Posts: 41,741 Founders Club
    Little or no student loan debt
    Pitchfork51 said:

    creepycoug said:

    Fishpo31 said:

    The wife and I are a good mix...since we started dating (20 years ago), she has driven a BMW; 2 Passats; an A4: 2 A6s; and is now in a Benz (cash, no payments). I have put 230K on my Highlander, and intend to drive it until it croaks. I am a borderline minimalist, still wearing a pair of top siders I bought 20 years ago, and wearing clothes until they fall apart. We both paid off student loans years ago (mine for grad school). I shop like crazy for shit I want, at the lowest price possible, and buy it. She has her baubles, but is really reasonable about it (unlike some others in the past).

    I think I got it from my parents, who both lived through the depression. My dad was tight as shit with money.

    We save and budget like crazy for vacations, and tend to travel top-shelf. It helps that she has worked in the travel business for ever, so she knows how to do it right, buying plane tix and reservations months in advance.

    The one line that I have drawn is: Nothing less than Copenhagen, nothing less than Jack Daniel's. We saved for Dawg tix for a few years, had them for about 10, and dumped them when it went to Pac at nite...

    Liquor should be the good stuff. Also, TV sets. We watch enough of it that I don't compromise on that.

    And, when we're not in the Vid, we like to go out to eat, and when we do, I don't mind paying so that I get what I want. Fuck it. Life is short.

    I'm also just as happy grabbing a burger at the Hum Dinger on the way out to 101.
    I only like actually eating at a restaurant every once in awhile. It's usually mediocre food and I prefer cooking. Plus the portions are too large. So I just sit there super full like fuck I don't even want to drive home.

    Sushi on a date with some booze is fine.
    You should have been my date in Miami. Killer sushi and it was free. That's my second favorite four letter F word.


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  • 1to392831weretaken
    1to392831weretaken Member Posts: 7,696
    F.O. Row Peter Puffer, you left...
    HoustonHusky said:

    Fit several of these, but there needs to be a corollary thread on this...what’s the one thing you do that would make Dave Ramsey cringe in fear.

    I'm betting that not knowing who Dave Ramsey is would make the list, but, assuming he's one of those "Respect The Cock" success coaches, I'm also betting my list wouldn't end at only one thing.

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  • Pitchfork51
    Pitchfork51 Member Posts: 27,684
    Don't eat out much and/or go to bars
    He is a boomer meme
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  • SFGbob
    SFGbob Member Posts: 33,188
    Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.

    Love not having a car payment.
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  • HHusky
    HHusky Member Posts: 24,368
    Low monthly housing cost relative to net income
    SFGbob said:

    Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.

    Love not having a car payment.

    Agree

    I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.

    We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
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  • RaceBannon
    RaceBannon Member, Moderator, Swaye's Wigwam Posts: 115,654 Founders Club
    @creepycoug nice crew you
    SFGbob said:

    HHusky said:

    SFGbob said:

    Has to be the one about the car. I never really intended to be this way but I've never owned a new car and every car I've ever owned but for my first car that was totaled in an accident, I've held onto for over 20 years. My current car 8 years old and there's no way I'm getting rid of it any time soon. It runs great, great gas mileage and since I use it for as my commuter car and park it on the street in SF, I don't care if it gets scratched or dinged up.

    Love not having a car payment.

    Agree

    I would still be driving our 2013 years from now, but we gave it to one of the kids because it's dependable.

    We do have a car payment, but only because it's zero percent and they would have knocked off only $500 if we'd paid cash. Still, it bugs me to have a car payment.
    Full disclosure, my wife drives a new car. It's her car. I never see a payment. We got married in our late 30s. Had been doing our own finances for all those years prior. We still now don't have any joint credit cards or checking accounts. I make more money so I pay the mortgage and all the household bills. She pays the insurance and whatever clothing/kid expenses we have. It works for us. She buys cars that I would never even think of purchasing. Way too much money for a car.
    Same

    My money is our money her money is her money
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