Discretionary Income

11-12-2008, 10:11 AM

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 · 11-12-2008, 10:15 AM

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

Bruzee · 11-12-2008, 10:16 AM

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

Rockestone · 11-12-2008, 10:17 AM

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!

11-12-2008, 10:17 AM

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 · 11-12-2008, 10:20 AM

Rum(Booze)
Cigars
Eating out

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

Volt · 11-12-2008, 10:23 AM

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

Quote:

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!

TripleF · 11-12-2008, 10:24 AM

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

icantbejon · 11-12-2008, 10:29 AM

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.

poker · 11-12-2008, 10:31 AM

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

11-12-2008, 10:34 AM

Quote:

Originally Posted by poker

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

Nice!

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

poker · 11-12-2008, 10:38 AM

Quote:

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)

gnukfu · 11-12-2008, 10:47 AM

Quote:

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!

Rockestone · 11-12-2008, 10:47 AM

Quote:

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!!

zmancbr · 11-12-2008, 11:04 AM

'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!

gettysburgfreak · 11-12-2008, 11:06 AM

Quote:

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 · 11-12-2008, 11:19 AM

In order of disappearance:

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

I'm at #4.

spectrrr · 11-12-2008, 11:20 AM

-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).

11-12-2008, 11:23 AM

Quote:

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

Starbucks goes And I brown bag it or starve till supper (usually the latter due to laziness) Clothes drop to a when needed basis but is my normal

11-12-2008, 11:29 AM

definately :dining out
unfortunately:stogies....have to really shop,and leaning more towards bundles..

11-12-2008, 10:11 AM	#1
ahc4353 Guest Posts: n/a	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 Last edited by ahc4353; 11-12-2008 at 10:22 AM. Reason: Added a fourth

11-12-2008, 10:15 AM	#2
loki H.A.T.E Join Date: Oct 2008 Location: Pittsburgh pa Posts: 1,484 Trading: (7)	Re: Discretionary Income 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

11-12-2008, 10:16 AM	#3
Bruzee Have My Own Room Join Date: Oct 2008 First Name: D Location: San Diego Posts: 1,508 Trading: (30)	Re: Discretionary Income 1. Eating 'out' 2. Cigars 3. Gas (limited or only necessary driving) __________________

11-12-2008, 10:17 AM	#5
Benwoo Guest Posts: n/a	Re: Discretionary Income 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

11-12-2008, 10:20 AM	#6
St. Lou Stu Have My Own Room Join Date: Oct 2008 First Name: Tim Location: Belleville, IL (St. Louis) Posts: 2,304 Trading: (21)	Re: Discretionary Income Rum(Booze) Cigars Eating out In that order..... luckily it has all been reductions rather than complete cut-offs. __________________ Pretending to play golf since 1989

11-12-2008, 10:17 AM	#4
Rockestone Anythings Possible Join Date: Oct 2008 First Name: Greg Location: Anderson, SC Posts: 793 Trading: (5)	Re: Discretionary Income 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! __________________

11-12-2008, 10:24 AM	#8
TripleF 11/11/11 EPIC IV Join Date: Oct 2008 First Name: Scott Location: Clearwater, FL Posts: 5,626 Trading: (176)	Re: Discretionary Income gas - to go fishing (car) dry cleaning (iron my clothes now) __________________ Cool Cigar Shirts, Stickers & More

11-12-2008, 10:29 AM	#9
icantbejon Have My Own Room Join Date: Oct 2008 First Name: Jon Location: Chester, VA Posts: 1,219 Trading: (10)	Re: Discretionary Income 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. __________________ "Learn to pay attention. Life is hard.....it's even more challenging when you're stupid."

11-12-2008, 10:31 AM	#10
poker 1:11 Join Date: Oct 2008 First Name: Kelly Location: SoCal Posts: 5,280 Trading: (7)	Re: Discretionary Income 1) Jade 2) Kristine 3) Tiffany 4) unknown __________________ Cigar Asylum: A cigar board birthed without agendas, without profiting, and without advertisements. Amor puro Character is what you do when no one is watching

11-12-2008, 11:04 AM	#15
zmancbr CERTIFIED THREAD KILLER!! Join Date: Oct 2008 First Name: Zach Location: Color Red Posts: 1,692 Trading: (41)	Re: Discretionary Income '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!

11-12-2008, 11:19 AM	#17
The Professor i wish i was geRRy... Join Date: Oct 2008 First Name: geRRy Location: So*Cal... Posts: 1,703 Trading: (7)	Re: Discretionary Income In order of disappearance: 1. drinks out 2. coffee out 3. cigars 4. ?? I'm at #4.

11-12-2008, 11:20 AM	#18
spectrrr Back in the midwest! Join Date: Oct 2008 First Name: Frank Location: Ohio Posts: 5,596 Trading: (20)	Re: Discretionary Income -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). __________________ ¨°º¤ø„¸¸„ø¤º°¨ "A long habit of not thinking a thing wrong, gives it a superficial appearance of being right..." -Thomas Paine

11-12-2008, 11:29 AM	#20
beamish Guest Posts: n/a	Re: Discretionary Income definately :dining out unfortunately:stogies....have to really shop,and leaning more towards bundles..