Looking at you your checkings/savings
Muddy
USA
After strip clubbing/OTCs/Stuff popping up. Oh God I can’t even look. Especially after this latest little adventure.
Do you guys the type to count every penny or are you looking away in horror and just waiting for payday to make it all go away?
Do you guys the type to count every penny or are you looking away in horror and just waiting for payday to make it all go away?
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I have got in habit of looking at my accounts every day but that is because I have had cards hacked 3 times in the past 8 years or so. I also put alerts on my cards to let me know about larger transactions. These hackers really suck. I'd rather not have to do this every morning.
But, I already know I'm an outlier here.
If I wake up the next day and my pockets are empty then I know I had a good time. If I still have some money left over then I kick myself for not trying hard enough.
When my SC account gets low, I just wait until payday before going out again.
Or Add Paint Or Tape.
Other than SCing I’ve never had much of a spending problem in that by nature I tend to buy what I need vs buying stuff just b/c I can/have-the-$$$ - thus I’ve never really bothered to “keep a budget”; it just seems like a PITA and no-fun-at-all to be counting pennies – for the most-part I’m wise about my spending and spend mostly on needs – also not having a wife or kids to support I sorta have more flexibility/control w.r.t. my finances.
w.r.t. SC spending – I don’t set a budget – I know what I can spend more or less and sometimes I spend a bit more than I plan and every now and then I’d go on a binge and overspend but I could fairly quickly get back on track by dialing back the SCing for a bit – if I start keeping track of what I spend/have-spent SCing I’d get depressed – thus I don’t bother – at the height of my-SCing, SCing was my escape and my me-time/fun-time, so I didn’t wanna be worried that I was going “over my budget by $50” and thus had to leave the club – my focus when I SCed was to enjoy myself vs keeping track of how much I spent.
Over the last 2+ years, particularly the last year+; I had significantly reduced my SCing (due to burnout) and started putting all the extra-cash into the stock-market – given how well the market did in 2019 and most of 2020, I made some significant improvements w.r.t. my savings/investments (I’d also had a separate savings account from years past that was my rainy-day-fund where I had about a year+ worth of fixed-bills savings that I also moved into the market and that help with my investment balance and returns).
Now I feel a lot better where I am w.r.t. my retirement savings/investments.
It’s hard to predict the future (of course) – but looking back w.r.t my past SC spending over the years and how at times I sweated what I was spending and at times beat myself up over it; for me it has kinda worked out – I was able to enjoy SCing when I was really into it and for the most part had a blast doing/experiencing something I enjoyed although I did spend a not-so-small fortune – and now I’m kinda in a different phase (for now at least) where the SC-demons don’t beckon like they used to - so I had my (SC) fun when I needed-it/wanted-it and enjoyed it and (at least for) now I’m in sorta a different phase where I’m not spending a big-chunk of disposable income on SCs b/c they don’t currently give me the rush they once did.
NAAAASTY
I doubt I will come close to my drinking days - when I would bring over $1,000 in cash to the club - and not worry about spending it all.
Before covid I would usually club with about $700-800. I wouldn’t sweat spending it - but I wouldn’t piss it away for nothing.