The Curious Case Of … How Good Are You With Your Money, Money, Money?!!

Puzzle Money Business – Pixabay
The Curious Case Of …. Directory
Jennifer of Paperkutz
Janis of The Momshie Diaries
Melanie of Sparks from a combustible mind
Paula of Light Motifs II
Lauren of ISS Attitude of Gratitude
Rose of The Lone Rose
Di of Pensitivity 101
Thinking money can buy happiness
Becoming too obsessed with money
Not spending time to know the value of saving
Fail to save enough for the future
Buying stupid things they can’t afford
Failing to plan
Not saving for a rainy day
Living beyond your means
Buying a house/wrong house/ Buying a car/wrong car

“Yes, life happens while you’re making other plans and the gods laugh at plans, yada yada, but just because plans don’t always work out doesn’t mean you should live like a mindless butterfly.”
Paula of Light Motifs II

The Curious Case Of ….

….. The Life Choices We Make

How curious are you as a person?

Season 2 – Episode 08

Mini-Series – Part 6

TThe Curious Case Of … How Good Are You With Your Money, Money, Money?!!

As l explained in the introduction to this new mini-series – The Curious Case Of … these questions have arisen due to the responses l received on one of the questions in the last game of  Fancy A Weekend Quickie?!!  which was What are five of the biggest mistakes that people make with their lives in your opinion?
I work all night, I work all day to pay the bills I have to pay
Ain’t it sad?
And still there never seems to be a single penny left for me
That’s too bad
In my dreams I have a plan
If I got me a wealthy man
I wouldn’t have to work at all, I’d fool around and have a ball

Money, money, money
Must be funny
In the rich man’s world
Money, money, money
Always sunny
In the rich man’s world
All the things I could do
If I had a little money
It’s a rich man’s world
It’s a rich man’s world

A man like that is hard to find but I can’t get him off my mind
Ain’t it sad?
And if he happens to be free I bet he wouldn’t fancy me
That’s too bad
So I must leave, I’ll have to go
To Las Vegas or Monaco
And win a fortune in a game, my life will never be the same

Source: LyricFind

I have always been good with my money, but l haven’t always been in positions of financial independence … l can be very frugal and at times extravagant or so it might appear – truth be known l am mostly extravagantly frugal and have a keen nose for bargains and opportunity. My business acumen is pretty good once it starts activating itself as in l don’t procrastinate too much and l don’t laze around.

I started work from the young age 11 in 1974, that was my first business and it was in Australia and it was the harvesting of’alicans’ or rather aluminium cans – soda cans – which were found in bins and dumpsters and on the street and in the house – back then alicans were literally everywhere and l collected them in large plastic bags initially and then l collared my father to help me with the transporting of them to the recycle centres.

Australia even back all those years ago was very big on scrap metal recycling and they used to pay out 5cents a can and l was delivering anywhere between 300 – 500 cans a month! So it was quite lucrative and l was able to pay my father for his time and for the transport.

I wasn’t allowed to be a paperboy because l was exceedingly clumsy on my Dragster [bike] and l was always falling off and scraping knees and all sorts of other injuries and so l had to find more ‘landbased’ activities that would raise me some extra money for my pockets. I did receive pocket money from my parents but it was for chores around the house and l had to work to ensure l received it but it was only $2 a fortnight.

But l had interesting hobbies one of which was collecting 1:32nd Napoleonic soldiers made by Airfix which were considered luxury collector items back in the mid 70’s! I also used to collect Britains Soldiers which were a real specialist item as they were not sold in packets of between 28 – 32 pieces like the boxed sets but were sold as individual pieces and they were pricey! Airfix sets could set you back $5 a box whereas Britains could set you back between $5 – $12 per piece!

When l left Australia l had 200 Napoleonic foot and mounted Britains and 1200 Napoleonic Airfix soldiers – l was as said quite a serious collector even then and even today l still have a passion for military figures and managed to acquire some for this house last year at a bargain price!

However as a youngster from the ages of 11 to my later teenager years of 16 and 17, l had many interesting hobbies from the collection of military figures to the collecting of swords and shields, comics and books, art and crafts, fishing actually the list was endless and so l learned that in order to afford these luxuries the answer was to work or work towards achieving disposable income and so l ran side hustles and became an entrepreneur at the young age of perhaps 15 and continued making money from side hustles and opportunities and careers until not long back.

Monies l made from businesses that l created and sold off from the ages of 15 to roughly the years of the early milleninum were saved and accrued and so on. I really only hit seriously hard times financially between the years of 2008 – 2013 and in those years l really struggled and was nearly homeless and very close to it and penniless and destitute for a while. Not good years, but life started to move on the up from 2013.

Currently l don’t have a regular income, l live off my inheritance which is not good which is why l am so focused on producing a ‘business’ and of course an income.

I don’t own any property as in housing or cars and so on … l never have – l have always rented and for many years l did that because my careers moved my location every six months, so it was easier to either live in hotels, motels or rent an apartment on a short term period. In the later 80’s to the mid 90’s l spent most of my years living merely from a couple of suitcases and three boxes.

When l was married, my then wife’s father owned the house we were renting and so when we divorced, l lost nothing. I had a thriving business from the mid 90’s to 2010 but that had to close down due to recession and personal health matters and living arrangements which went haywire for a while!

My mother was a very frugal person and a true bargain hunter, whilst my father was an extravagant gambler and spender – he wouldn’t think twice about saving for a rainy day – whereas my mother secreted away monies from him for years and so had a nice little ‘golden egg’ when they divorced, she also had an exceptionally good lawyer who ripped my father a new one for his unreasonable behaviours and cleaned him out of 95% of his assets. Mother was also exceptionally good at investing …. she could make soup from a rock and a carrot!

But despite her many faults with regards her parenting, she taught me well in terms of bargain hunting and living frugally. I am lucky in other ways to have a very astute eye when it comes to business opportunities and although l may be a little less risk adventurous as l was ten years ago, l can still spot a viable possibility.

When l was 15 l started and ran my own ironing business and after 10 months was so successful that l was on the verge of hiring two additional male ironers from my school as l was raking in roughly £500 a month, but someone reported me to the taxman and after a visit l had to stop … but at that time l was also writing horror stories for pulp magazines and l was working in a hotel as a kitchen porter so it was getting time tight anyway! I was also between the ages of 15 – 17 running a house clearance side hustle with my mother and we were making a lot of money clearing houses and selling on.

My mother started charging me rent when l was 16 and living at home and back then l was paying £400 a month to live at home!! I knew l was being ripped off, but my parents said it would teach me the basics of life …… it certainly taught me a lot l can tell you!! i was paying rent till the day l moved away from home when l was 20.

I don’t have any debts, l hate debt and try to avoid it like the plague. I got into debt once and once only and that was in my early twenties and not long after l moved out of the family home and l ran up a debt on my credit card. My father paid it off and l paid him back over 12 months with a huge interest percentage attached. I never got into debt again and have since then never had a credit card either. I only have a debit card.

I have never been obsessed with money – it has always been a case of l have it or l don’t and when l do to be frugal and spend wisely which is how l live my life. I make things last as well as if l see house items on bargain prices l do bulk buy and although l am generous to people l am still mindful of my finances. I don’t have to make a business and source an income this year and maybe not even next, but l would in a couple of years time and so l would rather not run that race then, but start a healthy jog today and gradually build up to a steady and sustainable marathon pace! I believe in value for money and live my life to that credo!

Now that’s me in a very broad nutshell and of course, this is a tricky topic as it is to some quite personal, so l’ll not ask lots of questions just one and readers can answer it how they see fit and deem appropriate to themselves and their own situations and let me know your views below.

How Good Are You With Your Money?

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35 thoughts on “The Curious Case Of … How Good Are You With Your Money, Money, Money?!!

  1. “How Good Are You With Your Money?” I’ve owned several cars, I’ve owned two homes (so far), I’ve been temporarily wealthy, and yet I’m still really bad with money. I’m poor now (I get by and I’m not complaining at all, so many have it far worse), but there’s usually more month than money at the end of the month. I have a few theories about why I’m so crumby at dealing with my finances, but they’re not substantiated. I have two siblings, one of which has done very well with his. One of them is in the middle of us – does alright, doesn’t owe a lot to anyone or anything, but has never NOT had to scrimp and worry and he’s very bitter about the situation. My attitude and mindset would need a severe adjustment if I were to become ‘good’ at money. I’m too old to do that now, I don’t want to do it, and since things are (for the time being) status quo? Why worry about it? I have learned one piece of wisdom over my life though, which I’ll share. Having ‘things” does not make up for quality of life. I’m grateful I’ve had the opportunity to own those cars and two homes, but they haven’t brought me any lasting happiness nor peace of mind. So there’s that too.

    1. Hey Melanie, quite right, things don’t bring happiness. 🙂

      Cars and houses bring more bills and the last thing they award at times is peace of mind sadly.

  2. My parents are very good with money and they taught me to be the same way. The only debt I ever had was the mortgage on my condo, which is now paid off.

    1. Hey Ashley, something l have to ask .. Condos are apartments are they or an apartment you buy and own as an independant? A house apartment of sorts?

      Best way to be, is with no debts 🙂

      1. It’s individually owned apartments with partial ownership of shared spaces. According to Google, the UK equivalent of a condominium is a commonhold.

        1. Oh right got you. it’s strange in the last five or so years the housing market has started using the term here also. I just figured they were always like apartments and the agents were just Americanising the lingo to sound fancier to buyer 🙂

  3. I’m okay with money. I have some credit card debt, but not an extreme amount. My bills are always paid on time, and Ben is honestly my biggest expense. Having him home all year is what drove the credit card debt. Chalk gets pricey🤦🏼‍♀️ Crayola should send me a certificate or something 🤣🤣🤣
    I live on a fixed income. I wouldn’t be able to have a house with a yard if Daughter and I didn’t share expenses.

    I am generous but I’m not a impulse buyer. My needs are few and I wear clothes until they’re ready for the rag bin.😂 I paid cash for my car with my settlement and it was a lease return, so 3 years old but low milage. The car is 11 years old and still runs perfect (knock on wood)

    I don’t have trouble living within my means. It’s helping others or buying for others than ran up the debt, which I’m chiseling away at.😉 Hopefully with school going back to full time soon, Crayola will miss me😉🤣🤣🤣

  4. I am very good with my money. I came from having very little most of my life. I always knew the value of a dime. We often had more month after the money was gone. I made all my kids clothes when they were young. Our idea of a splurge was McDonalds once a month.

    I knew the only way to get out of poverty was to go to school. So between getting married, raising kids, and existing, I finished my schooling. I only took classes when I could afford them which meant it also took longer to get there. I only used credit cards for things that were necessary like car tires or water heaters. We lived frugally but we had fun. The few vacations we had were camping ones.

    Once I had my career I started using credit cards all the time. It was fine because I paid them off in full every month. I am careful with my money. I put money away for my retirement before spending money. I am uninterested in expensive shoes, purses, jewelry, clothes, or cars.

    I started paying for my cars in full when I got my master’s degree. As soon as I buy a car, I start saving for the next one. I typically keep my cars for more than 10 years. I have been in my house for 34 years. Happily, it is paid for. It was important for me to have that done before retiring. I am fortunate enough to have been able to help family and friends when needed.

    As I purge things in my house, I realize I have spent money on some things I didn’t need, but I don’t feel I’ve wasted much. I have always been careful with my money and I don’t see that changing in my future. I value memories over things.

  5. Admittedly, i used to be a little reckless with money. I’ve had an overdraft since I was 18 and thankfully, i’ve not been in the red as much in the past year. I try my best to be good now, although sometimes it can be difficult and unpredictable due to me being disabled. Mum tried her best to give us everything we needed growing up, but she had to be the mum and dad, as my sperm donor only gave a damn about fags and computer stuff. Money is a touchy subject within my family, especially that one of my sister’s used mine and another sisters inheritance money before we reached the age we could access it.

  6. I am quite good with money till I go out of my house to shop. 😜
    That’s why I avoid doing that! 😂

      1. Last year I saved a lot of money as I didn’t used to go out to shop. This year, unfortunately I am going to get clothes and they are expensive. 🥸

  7. Money comes and money goes. I sacrificed quite a bit to get out of a bad marriage. Other costs happen with no choice involved. That’s why I’m still working and plan to do so for as long as possible, as an insurance broker.
    Separately, I do had the Airfix collection, and used to build their model planes and tanks. Thanks for bringing back wonderful memories. And if you think they were special back in the day, you should see the cost of model kits now. OMG.

    1. Hey Vic, oh l know. I remember when l got back to the UK from Australia building the Airfix plane kits and back in the later 70’s and early 80’s they were a fraction of what they are today!

      Back in the day in addition to the soldiers, my ceiling in the bedroom had Sptfires, Hurricanes, Lancasters, Stukas, Messerschmitts and son and on hanging down.

      Back then, the kits would cost me around £5 – £8 – NOW, you are not wrong – NOW they are priced like they are gold nuggets!!

  8. I’m good with money. I like to spend and I like to save. When I spend, I am frugal and look for items on sale. I read reviews and compare before I purchase. I just bought a new laptop and I think I read reviews about every laptop that exists.

    Hubby and I currently live in an apartment, which is a sizable apartment with lots of amenities and we have a garage. A garage is a necessity for us because we have a classic car that we like to keep out of the sun, etc. We’ve looked at condos but finding one with a garage is not likely, plus they’re pretty pricy in our area. We like the idea of an apartment because we’re free to get up and go.

    I like my savings to reflect a comfortable amount so I have peace of mind. Now that we’re older, material things don’t matter as much. My hubby is excellent in the stock market game, which helps our bottom line. And so it goes…

  9. I am okay in terms of money managing (not too great but okay enough). I am not wealthy but I can resolve people’s problems because I know how to save despite not being frugal. It’s like I always have a surprise money in times of extreme need like how our life had been last year. We were desperate but we survived without having to sacrifice a lot. The problem is, I never get to make my husband comply with the way I save. So he’s living the life, while I save for the rainy days.

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