There are three major things people waste money on and then they complain they are broke on pay day!
There are three enormous money wasters in our economy that I would just like to point out to everyone! This article gives no apologies for any offenses as that is the goal ! I want YOU the reader to realize what you are doing and demand of yourself “What the heck am I doing here, wasting!” Read this with an objective eye and hopefully I can help you!
The first thing I see a lot of people doing is smoking. Smoking not only kills you which perhaps we will discuss another time but it costs you a paycheck a month or so, yes about a full paycheck you read that right! If you smoke two packs a day that is roughly 20$ a day out the window to damage your body and waste your time! There are 30 days in a month (for the sake of simplicity if you wanna know how much more a 31 day month wastes or how much less you waste on a leap year add or subtract respectively 20$!) So monthly for two packs a day of a nameless brand would be 600$ a month, well now that is more then my electricity and water and Internet all put together, I am 100% confident if I had another 600$ bill come in monthly I would be toast. I gain respect for those of you who can handle throwing away 600$ a month it is truly amazing!
The second thing I see a lot of people doing is going out and buying an amazing car, a Hummer 3 or an escalade! Well, for one most people who buy them took out a loan bigger then their mortgage, that was smart! Now they are stuck with 300-400$ a month payments on it for 6 years and have to pay a couple fingers and a kid to put gas in it! This logically makes sense to most people but logically it makes me wanna bang my head against a wall! Both are just about as enjoyable a prospect, go buy a car you can afford save the money and then buy the next car flat out!
The third thing is, and yes I know it is something you need or you will die! alcohol! You don;t actually need it to survive you have it confused with water, air and food! Alcohol actually has an extremely low nutritional content and does very little for your mental capacity! You are paying out any kids, arms and legs you didn’t for the car on beer tabs! This is a ridiculous unneeded habit! I go out with a few friends do something totally moronic and get high off that! For instance climbing down a cliff at 3AM with no flashlight (wasn’t the original intention!) I got a nice adrenaline rush, didn’t do anything I regretted had no hangover and saved about 30$!
Published in: Personal Finance