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Author Topic: Do you have Same problem or you know someone who got same problem?To spend money  (Read 708 times)
GeorgeJohn
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July 25, 2024, 06:59:51 PM
 #41

I don't have much to contribute in this because I know very well that spending of money is basically based on the individual weekly or monthly generating income and also the load or challenges that it face for it family so I believe that the way Mr D spend it money it will not be the same way Mr E spend it money so the difference is based on the kind of lifestyle you live all the kind of people you associate with we determine how you spend your money and they don't forget to know that your generating income can make you to spend much based on your luxury life
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July 25, 2024, 08:24:07 PM
 #42

Many newly wealthy individuals often feel intimidated by the perceived exclusivity and sophistication associated with high-class services
Even If you have quite a lot money it's not like that you walk in some high price Luxury place or try to buy high class product or service If you not use with high class even If you want to really spend some money and sometimes we all want to spend it "we live only once "
But that's how the Luxury services missing their profit margin of the potential clients money
As by crypto and other ways more and more average kind of people getting wealthy to afford a lot expensive things

Do you think that's the issue ?

There are huge amounts of people out there who stretch their salary to the limits every single month and barely save anything at all. When you're barely scraping by and earning a basic rate, then it's somewhat understandable that you want to just enjoy the little things in life - some a takeaway food, or a car on finance, or the latest Apple watch and you might be happy with that. However even on a low salary, if you can save or invest anything - even small amounts like $100 a month, it can start to set you free and it comes a bit addictive by itself. When you start to save more and more, then you realize that having that safety net and buffer can be very useful, then you start thinking about how to grow it more by cutting out wasteful spending.

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July 27, 2024, 09:51:23 AM
 #43

Do you think that's the issue ?
I don't think that's a problem, because when someone has a clear income and makes them have a lot of money or become rich, of course their lifestyle will also improve. That is a natural law which in my opinion will indeed happen, in fact I think all people who were previously in the lower class, but when they become rich, their tastes and lifestyle will tend to rise. But what you have to pay attention to is managing your money. We must be able to manage our finances well by considering carefully when spending a certain amount of money on something.

Many young people nowadays have a mindset with a perception of life only once, so they do things that sometimes don't make sense or are even beyond their abilities, this is something that must be paid attention to. It's true that we only live once, but that doesn't mean we have to do everything just like that, of course there must be good consideration so that we don't regret it in the end. People who have a lot of money in a short time usually buy what they want, not what they need, that's absolute, because I think everyone feels that way.
Trying to keep life style down makes no sense, we are going to live just once and I do not think that we are going to end up with anything good or bad, we are going to end up with something not so great in the end. We should consider how things could go wrong any moment, so postponing your happiness makes no sense, it should be something that will take a while.

I believe that we need to just keep on trying to do better, and trying to live better, and have as much fun as possible. Because tomorrow isn't promised, and all you have is today. This doesn't mean that you should ruin your tomorrow, do not take out a huge credit, go party in a yacth with drugs and then suddenly realize you have years to live and no way to pay that debt back. I am just saying, if you keep on saving so much that you miss living today, then you are going to regret it later on, you should try to keep your money as much as you can, but also try to have a happy life, not regretting it due to saving. If you regret not having a better life for other stuff, that's understandable, but if you regret it because you saved, that means you could had better life but ended up not having it because you wanted to just have even better later on.

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July 27, 2024, 11:30:36 AM
 #44

All of these happen as a result of misplaced priority among some newly wealthy persons. Often times people misplace their priority while trying to enjoy their life due to how much they have wallowed in poverty in times past, and before they realize it they have squandered on irrelevant luxuries money they ought to have invested to reproduce more wealth. It is a common logic that when money regular leave ones wallet without correspondent or higher returns it's definitely going to get exhausted but some people don't think at all.
That is mainly because people who are newly wealthy are people who have no idea what to do and how to do it. I personally believe that the best thing to do in that case would be making sure that we are dealing with people who know what they are doing and nothing bigger. I get that it may not sound too critical but if they focus on keeping the money growing, instead of spending the newly found money, then they will do much better with time.

I think that is the part that will take some time, and I hope that people could see how that could be helpful as well. I am not saying that lets see what happens, we are just going to end up with a lot of people who do not know what they are doing, which is the main issue.
Yeah I agree; I believe that given enough time, then we can just assume that life could be a lot better. We need to focus on how to grow, and because of that we need to keep on focusing on making money. If you keep focusing on that, you are not going to have much time to keep spending money, that will not work at all and would not be great.

We could make it work one way or another, could be something that we could all care about, and not spending money will mean that you are going to not go broke. But, the purpose of making money is to spend so that leading a comfortable life. I mean not spending means not starving but spending on essentials and skipping the all others. Theoretically, it is okay but not sure that everyone could follow.

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July 27, 2024, 01:56:00 PM
 #45

All of these happen as a result of misplaced priority among some newly wealthy persons. Often times people misplace their priority while trying to enjoy their life due to how much they have wallowed in poverty in times past, and before they realize it they have squandered on irrelevant luxuries money they ought to have invested to reproduce more wealth. It is a common logic that when money regular leave ones wallet without correspondent or higher returns it's definitely going to get exhausted but some people don't think at all.
That is mainly because people who are newly wealthy are people who have no idea what to do and how to do it. I personally believe that the best thing to do in that case would be making sure that we are dealing with people who know what they are doing and nothing bigger. I get that it may not sound too critical but if they focus on keeping the money growing, instead of spending the newly found money, then they will do much better with time.

I think that is the part that will take some time, and I hope that people could see how that could be helpful as well. I am not saying that lets see what happens, we are just going to end up with a lot of people who do not know what they are doing, which is the main issue.
Yeah I agree; I believe that given enough time, then we can just assume that life could be a lot better. We need to focus on how to grow, and because of that we need to keep on focusing on making money. If you keep focusing on that, you are not going to have much time to keep spending money, that will not work at all and would not be great.

We could make it work one way or another, could be something that we could all care about, and not spending money will mean that you are going to not go broke. But, the purpose of making money is to spend so that leading a comfortable life. I mean not spending means not starving but spending on essentials and skipping the all others. Theoretically, it is okay but not sure that everyone could follow.
If as an individual with lots of money the company you keep as friends or colleagues dominantly plays a large role in your ability to decipher ideas to grow the wealth/money you have. A lot of people that had an instant large amount of money probably from gambling or any other means were able to redirect it into something productive as a result of the calibre of company that he/she had surrounded themselves with.

Even if we have the thinking to work things out with the money at hand for more money to be made, and we're gathered by some extravaganza set of persons that want to enjoy life by all cost, there's every tendency that you'll be dragging foot in moving forward with the decisions of trying not to spend on frivolous lifestyle. But it's easier to grow our wealth when I'm the midst of people with same goal of wealth creation. Like they say, iron sharpeneth iron.

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July 27, 2024, 04:04:03 PM
 #46

Although money is just a tool, we let it mess with our minds and make us do things that don't make sense. People who have recently become wealthy look like they don't fit in those high-end spots. Plus, it's not about how much they can buy; it's about feeling like they belong, man. Self-confidence is important, even when you're around all that fancy stuff

Even loaded people hesitate. Why? Simply because putting cash into a problem does not guarantee its resolution. Confidence and the ability to walk into a room like you own it are not suddenly given to you. Irony, right? Even if you have a lot of money, you can't buy that feeling of connection

Luxury brands aren't getting it. The emotional and mental hurdles people face are not understood by them. Accessibility is just as important as making something available. It's about becoming friendly to others. Man, the economy of the future needs to figure this out; this is where money and people meet

High-end brands could reach a whole new audience if they understood this. Not to lower their standards, but to take away the mystery of that feeling of being exclusive

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July 27, 2024, 08:08:53 PM
 #47

All of these happen as a result of misplaced priority among some newly wealthy persons. Often times people misplace their priority while trying to enjoy their life due to how much they have wallowed in poverty in times past, and before they realize it they have squandered on irrelevant luxuries money they ought to have invested to reproduce more wealth. It is a common logic that when money regular leave ones wallet without correspondent or higher returns it's definitely going to get exhausted but some people don't think at all.
That is mainly because people who are newly wealthy are people who have no idea what to do and how to do it. I personally believe that the best thing to do in that case would be making sure that we are dealing with people who know what they are doing and nothing bigger. I get that it may not sound too critical but if they focus on keeping the money growing, instead of spending the newly found money, then they will do much better with time.

I think that is the part that will take some time, and I hope that people could see how that could be helpful as well. I am not saying that lets see what happens, we are just going to end up with a lot of people who do not know what they are doing, which is the main issue.
That's definitely an issue, when you start to make a lot of money, you end up spending a lot. When you are poor, you dream of becoming rich one day and do many things, and your dream isn't just to "have" that money, it's mostly about what you would do with that money. So when you finally become rich, you just want to make all of those into reality.

I had that before, I had a lot of medical problems that needed to be taken care of, but because I was poor, I couldn't do any of them at all, but after I started my current job, while it wasn't a huge amount per month, it's still huge amount compared to what I used to make and I could get a loan and pay that. Even something as small as 100-150 dollars per month, over course of 3-5 years, becomes huge, and that's what I got and took care of my health issues. I could have been a guy who wanted a new car or something too, that's not a bad idea for people who want that, I do wish I had a car too, but that's fine, I took care of something more important.

All in all I have to say that becoming rich overnight or very quickly, causes you to make all of your dreams come true, and not doing that just to keep that money is not something a lot of people can do.

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July 27, 2024, 11:02:26 PM
 #48

I don't have much to contribute in this because I know very well that spending of money is basically based on the individual weekly or monthly generating income and also the load or challenges that it face for it family so I believe that the way Mr D spend it money it will not be the same way Mr E spend it money so the difference is based on the kind of lifestyle you live all the kind of people you associate with we determine how you spend your money and they don't forget to know that your generating income can make you to spend much based on your luxury life
If you are used in living a luxurious lifestyle, it’s obvious that you will spend more on your luxury things over your basic needs. And that’s okay if you have the fine resources to afford it. But if you are just starting to be rich and would want to spend on luxury without reliable source of funds, then think a hundred times. Just one step at a time. Focus on diversifying your investments first so you can have multiple sources of profits and when you’ve achieved that, you can have all the luxury you want as long as you are only spending your extra money.

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July 27, 2024, 11:45:13 PM
 #49

In all honestly, buying luxury and all those expensive things do not really matter as long as you have all the funds to afford it, but the issue is how would you maintain and improve your wealth if you are too engrossed with luxury in life, and tend to forget maximizing the source of investments instead in order to produce maximum profits. Even if you have become filthy rich, if your mindset is like that, you will never be able to sustain your wealth in life in the future.

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July 27, 2024, 11:50:56 PM
 #50


I don't have much to contribute in this because I know very well that spending of money is basically based on the individual weekly or monthly generating income and also the load or challenges that it face for it family so I believe that the way Mr D spend it money it will not be the same way Mr E spend it money so the difference is based on the kind of lifestyle you live all the kind of people you associate with we determine how you spend your money and they don't forget to know that your generating income can make you to spend much based on your luxury life

indeed managing finances is influenced by our own lifestyle, and everyone is different, even though know about how we behave towards money, our success in managing finances does not only depend on desire but emotional factors and self-control, especially when dealing with finances, which are the determinants, how much income we generate, even though people work in the same business field as us, but in terms of spending the amount of money is difficult to determine depending on the needs of each individual, and a person's socio-economic situation also plays an important role, in terms of spending it, the greater our income, the greater the expenses and vice versa, the smaller our income, the expenses are regulated as economically as possible.

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July 28, 2024, 06:22:26 AM
 #51

Many newly wealthy individuals often feel intimidated by the perceived exclusivity and sophistication associated with high-class services
Even If you have quite a lot money it's not like that you walk in some high price Luxury place or try to buy high class product or service If you not use with high class even If you want to really spend some money and sometimes we all want to spend it "we live only once "
But that's how the Luxury services missing their profit margin of the potential clients money
As by crypto and other ways more and more average kind of people getting wealthy to afford a lot expensive things

Do you think that's the issue ?
I do not really see the problem, someone that has acquired wealth through this market and wants to spend some of it will find themselves not being used to do so, that is logical as they did not had that wealth before, but soon enough they will get accustomed to it, like it is the case of any activity that we repeat often.

However just because you are rich this does not imply that you need to buy luxury items, you can keep living your normal life, with the only difference you will know that whatever comes your way can be easily solved thanks to the wealth that you have at your disposal.
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July 28, 2024, 06:35:52 AM
 #52

indeed managing finances is influenced by our own lifestyle, and everyone is different, even though know about how we behave towards money, our success in managing finances does not only depend on desire but emotional factors and self-control, especially when dealing with finances, which are the determinants, how much income we generate, even though people work in the same business field as us, but in terms of spending the amount of money is difficult to determine depending on the needs of each individual, and a person's socio-economic situation also plays an important role, in terms of spending it, the greater our income, the greater the expenses and vice versa, the smaller our income, the expenses are regulated as economically as possible.
Everyone certainly has different problems in terms of financial management and this also greatly affects their own needs and lifestyle, but when someone can control their desires and the income they earn can meet the needs of their dependents, of course this will make them have good financial management, because some people who have large incomes still have financial problems if they cannot control their desires so that they continue to spend their income uncontrollably and also what they buy is not necessarily what they need, of course this will cause them to experience financial problems.

It is true that the more income we can get, the greater the expenses will be, but in this case we must also be able to manage it well and not use the income we get for things we don't need, but it would be better if we could invest some of the income we have.

With a small income, of course we must be able to manage it well in order to meet all the needs needed, because with a small income, of course there are many things we have to think about before deciding to spend it.

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July 28, 2024, 04:05:55 PM
 #53

In all honestly, buying luxury and all those expensive things do not really matter as long as you have all the funds to afford it, but the issue is how would you maintain and improve your wealth if you are too engrossed with luxury in life, and tend to forget maximizing the source of investments instead in order to produce maximum profits. Even if you have become filthy rich, if your mindset is like that, you will never be able to sustain your wealth in life in the future.
There is nothing wrong with pampering yourself by buying luxury goods, we can do that once in a while as a form of appreciation to ourselves for the hard work we have done so far. But don't make it a top priority because there are other important things that we can still do than just doing what we want. If life only follows what we want, then we will not be able to control our life path because we are too busy for satisfaction which in my opinion is only for a moment.

However, if we have the soul of a businessman who can see good opportunities for these luxury goods, then we can make it a form of self-satisfaction, besides that we can do business in it. We know that some luxury goods will become goods that will skyrocket in price in the future because they are only issued in limited quantities, for example. Well, there we have to be able to see the gap so that we can take advantage of things that are considered wasteful.

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July 28, 2024, 09:36:32 PM
 #54

Luxury isn't a big deal for me, I prefer to be able to afford whatever I want as many times possible than to be able to only to be able to afford a luxury item ones. Luxury are for the celebrities to show off and not for the common man. I don't get spark (off) to spend, I love saving to Investment and that's all I do. When I make a profit, I'll spend the money on important things before thinking about my wants. People spend money to look rich but they're not impressing anyone because those they spend to impress aren't bothered by those things. You don't see the ultra wealthy people spending to impress anyone but they spend to save time

Many newly wealthy individuals often feel intimidated by the perceived exclusivity and sophistication associated with high-class services
Even If you have quite a lot money it's not like that you walk in some high price Luxury place or try to buy high class product or service If you not use with high class even If you want to really spend some money and sometimes we all want to spend it "we live only once "

Getting introduced to wealth newly can be difficult to control because you'll want to always show off at every given opportunity but that's not a way to live. Luxury are just overpriced normal items so why don't you buy the normal items and have leftover money to invest and grow your wealth more. Money runs aways from people who don't know how to manage it to those that can manage it very well. It is always good to live below your means and surprise people that doubts the lifestyle that you can afford.

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Obari
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July 29, 2024, 07:40:46 PM
 #55

~Snip~
Many newly wealthy individuals often feel intimidated by the perceived exclusivity and sophistication associated with high-class services
Even If you have quite a lot money it's not like that you walk in some high price Luxury place or try to buy high class product or service If you not use with high class even If you want to really spend some money and sometimes we all want to spend it "we live only once "

Getting introduced to wealth newly can be difficult to control because you'll want to always show off at every given opportunity but that's not a way to live. Luxury are just overpriced normal items so why don't you buy the normal items and have leftover money to invest and grow your wealth more. Money runs aways from people who don't know how to manage it to those that can manage it very well. It is always good to live below your means and surprise people that doubts the lifestyle that you can afford.

Your ending part got my attention and I must say you’ve said it all and one thing a lot of people don’t understand is the fact that, the people you’re trying to impress or prove a point to, might not be paying attention to those things you’re trying to show to them, so why then waste our time on irrelevant things?(just think out loud).

Luxury is over hyped and misinterpreted by a lot of persons and this is because this generation is moved by threads and no one wants to be left out hence they’re willing to do anything to catch up with a happening thread.

I agree with you that people should learn to leave below their means and do more of investments rather than spending time trying to impress people that will never be impressed.

R


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Jegileman
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July 29, 2024, 08:12:11 PM
 #56

Most of the luxurious products are overpriced sh*t, that is sold under a big price tag, only because it is associated with a big brand.
I've heard many stories about luxurious clothes, that are manufactured in Bangladesh for 50 USD being sold in Western Europe/USA for 2K USD. We live in a clown world. When you buy and wear premium products from "luxurious" brands, this manifests social status. The rich idiots always have to brag about their wealth and show their high social status to everyone. I really hope that most of the crypto bros stay away from this fake BS. Everything in the luxury industry is vanity plus good marketing.

Luxury brands cannot be stopped and that is the only thing that is making the so called rich people feel entitled and want to differentiate themselves from those that have not up to them. You don’t have to blame them that much if you’re not in their shoes yet. It’s like a spirit that manifest in you once you have the money to spend on these luxuries. Only few individuals are so rich that they’ve control over their money and not carried away by luxuries which of course is a measure today to make you feel different from others. The fashion industry cannot be tempered with anymore and that’s what will make the rich always feel bigger than the average that are not up to them. Luxury will never cease to exist as long as they are in for people that will always patronize them to make them feel above others.

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July 29, 2024, 11:34:15 PM
 #57

Do you think that's the issue ?
I don't think that's a problem, because when someone has a clear income and makes them have a lot of money or become rich, of course their lifestyle will also improve. That is a natural law which in my opinion will indeed happen, in fact I think all people who were previously in the lower class, but when they become rich, their tastes and lifestyle will tend to rise. But what you have to pay attention to is managing your money. We must be able to manage our finances well by considering carefully when spending a certain amount of money on something.

Many young people nowadays have a mindset with a perception of life only once, so they do things that sometimes don't make sense or are even beyond their abilities, this is something that must be paid attention to. It's true that we only live once, but that doesn't mean we have to do everything just like that, of course there must be good consideration so that we don't regret it in the end. People who have a lot of money in a short time usually buy what they want, not what they need, that's absolute, because I think everyone feels that way.
I have to agree. People who improved their social status end up also upgrading their lifestyle, and that’s normal for us. But what isn’t normal is that you focus more on expensive material things that don’t give you profits, but they are only good to show your luxury life, hence it will never do good for you in the long run. No matter how rich or wealthy you are, the fact that you don’t know how to limit your expenses and manage your finances, and last thing you don’t know how to invest and make more money, you will definitely get doomed and end up broken. That’s already certain for those type of people who focus more on luxuries even if it means losing opportunities to invest and make more money.

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July 30, 2024, 05:00:31 AM
 #58

Many newly wealthy individuals often feel intimidated by the perceived exclusivity and sophistication associated with high-class services
Even If you have quite a lot money it's not like that you walk in some high price Luxury place or try to buy high class product or service If you not use with high class even If you want to really spend some money and sometimes we all want to spend it "we live only once "
But that's how the Luxury services missing their profit margin of the potential clients money
As by crypto and other ways more and more average kind of people getting wealthy to afford a lot expensive things

It's different because the human perspective sees things based on their own abilities, especially regarding how they spend money.
I know some friends and if you look at their ability to make money, it can be said to be quite standard, but they choose a slightly more luxurious lifestyle and often spend money on things that have high prices.
When asked they answer about satisfaction and the goods they buy because they really like them. When this is related to other people who live much simpler lives, they actually answer buying things based on needs that are in accordance with their use.

When they are rich, buying luxury items is something we often see and it may be true that they live in luxury.
But if there are people who insist on buying luxury items with a standard salary, it is questionable and it may not be time for them to spend money on luxury items like this.

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July 30, 2024, 06:54:16 AM
 #59

Quote from: mirakal
In all honestly, buying luxury and all those expensive things do not really matter as long as you have all the funds to afford it, but the issue is how would you maintain and improve your wealth if you are too engrossed with luxury in life, and tend to forget maximizing the source of investments instead in order to produce maximum profits. Even if you have become filthy rich, if your mindset is like that, you will never be able to sustain your wealth in life in the future.

But if you don't have funds to purchase those expensive luxury and other things, you don't need to come close to such lifestyle in your community, because it will lead you to premature death which I have seen many people who what to live such lifestyle, but they didn't end well in the community based on they don't have the funds. Some of the people that is using all those expensive luxury, they have different sources of income that is helping them to maintain all those expensive luxury things which is the reason you see them living a good life without a single fear of their lifestyle they chose to live. Don't forget that some leaders, investors, politicians use all those expensive luxury, influencer, high class of wealth to get richer, because I have encounter with some wealthy people to caution them about such expensive lifestyle but they made me to understand that such lifestyle is part of their source of income.

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July 30, 2024, 07:21:11 AM
 #60

Many newly wealthy individuals often feel intimidated by the perceived exclusivity and sophistication associated with high-class services
Even If you have quite a lot money it's not like that you walk in some high price Luxury place or try to buy high class product or service If you not use with high class even If you want to really spend some money and sometimes we all want to spend it "we live only once "
But that's how the Luxury services missing their profit margin of the potential clients money
As by crypto and other ways more and more average kind of people getting wealthy to afford a lot expensive things

Do you think that's the issue ?


A lot of people think they have financial intelligence when they are broke but when they have some money they tend to deviate from what they know, why does this happen?? It's because money amplifies your character and desires, I know someone who used to be broke and through out that phase he talked about business ideas he had but when he made his first millions he forgot about everything and got completely carried away by the luxurious lifestyle till he lavished everything he had..how can someone with 10 million naira try to live the lifestyle of someone that has 10 billion naira, it's crazy but this is what a lot of people do, they start living a luxurious lifestyle they aren't capable of keeping up with for even 2 years... if you can't buy anything  twice or comfortably you can't afford it
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