how do you do it?
 
 

       The Horse Forum > Life Beyond Horses > General Off Topic Discussion

how do you do it?

This is a discussion on how do you do it? within the General Off Topic Discussion forums, part of the Life Beyond Horses category

    Like Tree28Likes

     
    LinkBack Thread Tools
        06-06-2012, 12:14 AM
      #1
    Yearling
    how do you do it?

    Looking at something hopefully being paid off soon and the weight of the burden has had a moment of being lifted off my shoulders. But I know it wont be til its paid off. But just having a brief moment of holly crap! Its almost gone! Feels great. :) I am so happy for this moment.

    How do you handle the financial burden of these hard times?
    Posted via Mobile Device
         
    Sponsored Links
    Advertisement
     
        06-06-2012, 12:43 AM
      #2
    Yearling
    I cut back on every thing going out to eat, driving around , you name it I have done it work extra hours
         
        06-06-2012, 12:43 AM
      #3
    Weanling
    Alcohol and lots of it =)
         
        06-06-2012, 12:47 AM
      #4
    Yearling
    Beer it is cheaper
    waresbear and Rancher like this.
         
        06-06-2012, 01:33 AM
      #5
    Trained
    Live below your means. Then you will always have enough to do what you want.
    I am not saying deny yourself any luxuries.
    But if your debt load cannot be paid off with your salary in 4 years then you are too far in debt.
    Divide your debt by 4 if it is greater than your household income you may be overextended.
    I myself pay cash and if I use a credit card it is paid in full the next month.
    I have not financed a car in 25 years. I can take the money I would pay in interest and invest it or buy CDs. Shalom
         
        06-06-2012, 02:33 AM
      #6
    Showing
    Budget.

    Give up some luxuries like eating out, going to the cinema, splurging on new clothes, etc.

    Get the basics, and save what you have left over.

    Same goes for my horse. Yes I'd LOVE to buy him a western saddle and pad.. but it's not happening lol. He's borrowing one atm and doing fine so I can work on saving up for important things or emergency vet moolah.
    Rancher likes this.
         
        06-06-2012, 02:52 AM
      #7
    Trained
    I do not buy things I want, but do not need, so that my children can have what they want. Horses are an exception, b/c I need them to maintain mental well being...so its a "need", not just a "want"....just saying for the sake of credibility.

    I also always consider the manufacture/transport cost of an item. I refuse to buy anything I feel is marked up hundreds of percents. That's insane. And, I never buy anything for myself that does not have a needed and valuable utilitarian application. And, I check the barcode of items at a brick and mortar via the phone for on line prices.

    And, at the risk of sounding "silly"... I do not drink soda b/c I don't like it. I see people buy tons of that poison. It probably adds up to $700-800 a year. Little unnecessary and unhealthy stuff like that can add up! And, bottled water? Oh please!! But, I think everyone should be able to buy a big gulp, if they like. :)

    And, we rarely eat out b/c I have zero idea what ingredients they use, who made it, what country its from, or how clean their kitchen is...and it saves you a lot of money, too.
         
        06-06-2012, 04:55 AM
      #8
    Foal
    Quote:
    Originally Posted by KissTheRing    
    Alcohol and lots of it =)
    And gambling
         
        06-06-2012, 07:24 AM
      #9
    Showing
    Quote:
    Originally Posted by Bobby Lee    
    And gambling
    Life is enough of a gamble for me without throwing away money.

    Budgeting is key. I don't eat out, I color my own hair and have it cut at the local beauty college, have only basic TV service, shop for things on sale, and buy all my clothing at Goodwill or the Salvation Army.

    My truck is a new-to-me 2008, and my horse trailer is a 1994 Adam. I have no plans to replace either one anytime soon.

    Instead of pricey 'horse' items, I read the ingredients and buy the generic equivalent. Generic powdered Metamucil is MUCH cheaper than Sand Clear, bleach diluted with water costs nowhere near what Vetricin does, and iodized salt mixed with bicarbonate of soda is a much less expensive alternative to pricey electrolytes.

    Disposable generic baby diapers and duct tape are also a heck of a lot cheaper than expensive wound care bandages, ethnic hair polishers work just as well as Show Sheen, and mineral oil has a variety of health and beauty uses.

    I live alone; having horses and NOT budgeting isn't an option.
    kitten_Val, Kayty and Rancher like this.
         
        06-06-2012, 08:48 AM
      #10
    Trained
    Dont eat out or impulse buy !
         

    Quick Reply
    Please help keep the Horse Forum enjoyable by reporting rude posts.
    Message:
    Options

    Register Now

    In order to be able to post messages on the The Horse Forum forums, you must first register.

    Already have a Horse Forum account?
    Members are allowed only one account per person at the Horse Forum, so if you've made an account here in the past you'll need to continue using that account. Please do not create a new account or you may lose access to the Horse Forum. If you need help recovering your existing account, please Contact Us. We'll be glad to help!

    New to the Horse Forum?
    Please choose a username you will be satisfied with using for the duration of your membership at the Horse Forum. We do not change members' usernames upon request because that would make it difficult for everyone to keep track of who is who on the forum. For that reason, please do not incorporate your horse's name into your username so that you are not stuck with a username related to a horse you may no longer have some day, or use any other username you may no longer identify with or care for in the future.

    User Name:
    Password
    Please enter a password for your user account. Note that passwords are case-sensitive.
    Password:
    Confirm Password:
    Email Address
    Please enter a valid email address for yourself.
    Email Address:

    Log-in

    Human Verification

    In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


    Old Thread Warning
    This thread is more than 90 days old. When a thread is this old, it is often better to start a new thread rather than post to it. However, If you feel you have something of value to add to this particular thread, you can do so by checking the box below before submitting your post.

    Thread Tools



    All times are GMT -4. The time now is 07:23 AM.


    Powered by vBulletin® Version 3.8.5
    Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
    Search Engine Friendly URLs by vBSEO 3.6.0