Discretionary Income

When money gets tight what is the top four things "to go" as far as what you "normally" buy?

Morning Coffee
Lunch Out
Cigars
New Clothes

[loki]

money's been tight for me for years.... college which transfered into unemployment so I'd have to say eating out, booze, and yes smokes. I still save up for cigars or pipes here and there but mostly it's singles and small stuff. Also aimless driving goes

[Rockestone]

Lattes

Golf

Stogies

In that order. And yes, money is becoming a little tighter. However, I am lucky enough to have a job that I believe is secure. When you do something nobody else wants to do, that makes it pretty secure!

[Volt]

My Dad once told me to ensure a job and/or good pay I had to be one of two things:

1. Be willing to do what no one else wants to do or

2. Know something no one else knows.

3. Best of all - know how to do something no one else wants to do.

I have cut out a lot of stuff accross the board this year though nothing completely. With cigars, between small buying, trades/bombs out and bombs in, my number stays the same roughly.

On a good note though - I do have an out bound this week

Originally Posted by Rockestone

Lattes

Golf

Stogies

In that order. And yes, money is becoming a little tighter. However, I am lucky enough to have a job that I believe is secure. When you do something nobody else wants to do, that makes it pretty secure!

We've cut eating out as well. Trying to limit it to about once a week or less.
Buying in Bulk and cooking meals for a weeks worth of meals.
I try not to buy a bunch of useless crap now as well.

Chris

[St. Lou Stu]

Rum(Booze)
Cigars
Eating out



In that order..... luckily it has all been reductions rather than complete cut-offs.

[TripleF]

gas - to go fishing (car)
dry cleaning (iron my clothes now)

[icantbejon]

My wife and I are still adjusting to the thoughts of cutting back. We are a bit lucky right now as things haven't gotten too bad yet. But change is coming and I'm very afraid. Soon she'll be jobless and we'll be in expensive VA. I'm sure the first thing to go will be my recent and pricey cigar purchases. After that, will probably be my trips to Starbucks. Finally, we'll probably cut back on eating out. We seem to spend a fortune every time we eat out. It's like an $80 minimum for us anywhere we go. I haven't figured this out yet. Mystery of the universe I guess.

[gettysburgfreak]

Originally Posted by loki

money's been tight for me for years.... college which transfered into unemployment so I'd have to say eating out, booze, and yes smokes. I still save up for cigars or pipes here and there but mostly it's singles and small stuff. Also aimless driving goes

Im in the same boat

[The Professor]

In order of disappearance:

1. drinks out
2. coffee out
3. cigars
4. ??

I'm at #4.

[Bruzee]

1. Eating 'out'
2. Cigars
3. Gas (limited or only necessary driving)

[poker]

1) Jade
2) Kristine
3) Tiffany
4) unknown

Originally Posted by poker

1) Jade
2) Kristine
3) Tiffany
4) unknown

Nice!



(As Al sends link to Jade, Kristine and Tiffany)

[poker]

Originally Posted by poker

1) Jade
2) Kristine
3) Tiffany
4) unknown

Well, I dont buy them but they are expensive. Jade gambles too much, Tiffany likes to go eat stuff like sushi and likes nice things, Kristine is my little girl and she spends money like its going out of style. (Tiff is in my profile)

[Rockestone]

Originally Posted by poker

Well, I dont buy them but they are expensive. Jade gambles too much, Tiffany likes to go eat stuff like sushi and likes nice things, Kristine is my little girl and she spends money like its going out of style. (Tiff is in my profile)

After looking at your profile, Tiff should get what ever Tiff wants...money be damned!!

Good subject. My first item to leave behind is:

1. Dry cleaning ( couldnt believe I was paying out $50 a month for this )
2. Starbucks ( $5 3x a week $60 a month,,,f'n ridiculous )
3. Eating out ( 3 times a week avg. $20 per meal ,,,$240 a month,,,am I shitten myself? )
4. Cocktails ( 5 times a month,,,,$5 per and if I add the wife $10,,,,$50 a month plus ,,,cmon,,I can buy a bottles of my favorite stuff for that kind of money )

Holy Crap,,,,thats in the neighborhood of $400 a month that is just going out the window whereas I could be spending half that on cigars and still be saving money.

[AriesOpusX]

1. Ammo for the saturday range trips
2. Latte in the morning (I switch to regular coffee or just get it from the work coffee pot)
3. Grey goose vodka
4. Cigars

As you can see all the sacrifices are mine. The wife is entirely too spoiled.

[gnukfu]

Originally Posted by ahc4353

When money gets tight what is the top four things "to go" as far as what you "normally" buy?

Morning Coffee
Lunch Out
Cigars
New Clothes

Mortgage
Electricity
Cable
Food

Need to have money for the cigars!

[zmancbr]

'Eating out' is the first thing to go... as a matter of fact I usually don't have much to cut there since I cook quite a bit at home and we take lunches to work... it saves us quite a bit in the long run...

The second is cigars... as much as I spend on cigars they have to be high on the list to get cut when I need to save!

[spectrrr]

-eating out, followed by the "luxury" food items at home
-cigars (not a problem until the humi is actually approaching empty)
-misc. uneeded purchases.

couldn't say what else to cut... I try to be frugal with most things as it is (college and then college loans to pay tends to do that to you).