Happily spend money barely surviving VERSUS Saving money barely living?
613581
As an Economist once said on TV, if Your wearing it on Your Ass, it is not an Asset.  It is better to save, then you can take care of Yourselves in the years to come.  With the rising cost of Fuel, Utilities, and Health Care, if You do not save You may become destitute simply trying to pay for these simple life's needs.  The people that save, are the ones that have nice houses,(paid for), are able to take nice trips, and help the less fortunate.  You want to be able to help the less fortunate, not Be the less fortunate.  The way government is talking about Social Security possibly being non existent in the Years to come, what else can You fall back on.  You can splurge a little from time to time.  As long as He is not a complete miser, I have to back Your boyfriend on this one.  If You have ever been without money in Your lifetime, then You learn to appreciate it more.  But if You have always gotten by, then You do not know what it is like to be without.  I have two Sons, one built His house, and His wife likes to spend, and He is working 2 to 3 jobs.  My other Son had a house built, His wife likes to save, they are young, and everything they own, is paid for.  Which sounds better to you?
792314
It is because you spend more than you earn -- the secret to building wealth is to live within your income -- correction, to live within about half your income.  Most people, unfortunately, buy 'wasting' assets, which become worthless.  All of us must buy some of these (food, drink, transportation), but few of us buy 'accreting' assets, those which hold their value or go up in value.  The next time you consider buying a suit, or a shirt, or a CD, or a big mac, ask yourself 'is this better than x shares of a mutual fund, or a deposit to my savings account?'  Up to you.
972936
that is a very interesting question. i had to put some real thought into that one. but to be honest i would have to say yes that i would like to know. i invest 20% of my income to save for my old age. i have no children to leave any assets to. so if i knew i was going to die before the age of retirement i would know to quit putting money in the 401k plan at work. and it would give me time to sell my more valuable personal posessions rather than have them become the property of the government or some greedy relative that i have never liked. and also to do the things that i have always wanted to do like take a few weeks on a luxury cruise ship and go on a gambling spree in las vegas. and buy a dodge viper just to see how many sets of tires i can burn off in a week. and i am still fairly young, in my late 30s. so i have never made any burial arrangements for myself yet. but i could have a tragedy and die at any time, even if i knew i was going to pass away next week it would give me time to make some arrangements rather than put my parents through it.
684161
Spend less and save more.
394299
Neither.  Save the money.  Drink water and walk.  Then you will have money and health.
771768
when you do not have much money you know how to spend what you have, You respect everything you have such love for instance and health. Money does not mean anything without true love without any limits and calculation. There are so many thing you can not buy, You may have a lot of money, but believe me your happiness is somewhere near you, just turn around and be happy
348664
I would say that's fairly adequate, though it all depends on your spending habits. If you save more importantly than you spend, you will do well. Also if you drive further to work it will have a greater impact today than it did several years ago. It also depends on the area to which you plan to live. Cost of living is higher in more busy areas, but Porstmouth is planning a large project on public transportation. If you are careful, you can live comfortably and save for retirement. But you may have to use your savings for unexpected emergencies.\n\nI'd say you're on the bottom of the comfortable class, but it is what you make it.
542458
It depends how much you can afford to take out.  If you're married and have some financial support for your spouse that helps.  If you can live with less than 30k, try and contribute as much as possible until you hit the limit where the company stops matching.  As long as they match, that's basically free money and you should try and take advantage of it.
166097
Well both of course! It's good to save it and invest it into something that will generate more like a savings bond or mutual fund! But spending money can be important too, just don't spend too much and keep it balanced.
452198
depending on how far you want to go. You can make it simple and cheap, or you can go all out and spend thousands. I would keep it around 500 dollars and keep the other money you were going to spend to live on.
598779
I have also nearly died a bunch of times.\n\nI've spent a long time thinking about this and read a bunch of books. I'm not sure there is a real reason except to live happy and help others to live happy.\n\nIt sounds so simple and stupid, but we have to enjoy being alive (the near death expeirences were possible reminders that we took life for granted).\n\nTake extreme pleasure in the simple things. Freinds and family are all that really matter because money and all that other junk is just temporary.
161040
well for any body in world who loves to live good and in comfort would say TEN YEARS LIFE WITH LOTS OF MONEY but you see the question you have asked has two different meaning and can be seen in different ways by many different people \nlike if you r already rich you would always be want to be rich but if u are poor u would only think of having that money that would give atleast food for one meal and he will work harder for that.as simple life has less money its has love togetherness and lots of life  well as for a rich person money counts of which he thinks would buy him all the happiness but that does not happen eventually \n88% of rich people have problem of hypertesion as poor that does not mean anything ok a lot of lecture as i have given to u i would like to say that no human can make a correct decision on you que because man is well of desires wether \nhe is rich or poor every body would like to be rich as many people are forced to live a simple life as they also want to be rich and live lavesly for me if you ask i am happy with my middle class life earn and live, complete all ur desires and live happily even if u dont have to eat or have money to go to ur homeland to see ur parents any way take care bye .
304104
I would say both! But i will also tend to lean towards happiness my friend. Financial reward is definetly good when it comes to material gain. Once one has money, one can achieve greater things such as material spending etc... Although when one has no material gain, what will you do? On the other hand, if you are happy, then what else does matter? \n\nFor example: You have earned $5000 a month. You will spend it on rent, utilities etc.. But you will also spend it on something you like because it will make you happy. Well it will make you think that you are happy!!! But what if you don't have that amount? What if you just have happiness? You don't even need to spend on anything, but you will still be happy. And what is better than being happy? If you know what happiness is, then everything else doesn't really matter...\n\nThere are people out in the world who are doing jobs called volunteering. They are actually doing it for their own happiness (even though they are doing it for their resume also)! But if you talk to some of those people, they will tell you that the best accomplishments in their life was to help those people in needs, not the amount of money they were making 15 years after that!!!! \n\nSo yes both because you need to survive in the world today, but it is more important to be happy than be rich! Cheers!
410421
Rich is when you feel that you have everything .\nMy savings are less than 6000 $ , but I feel I have as much as I will ever need .
1051842
First, when I compare my expenditures to those of my friends, the obvious savings is the fact I do not own a vehicle.  Even with monthly bus passes and the occasional taxi, I spend hundreds less monthly.  Second, I look over my budget almost weekly to see how things might work better.  Once, I worked in a set amount of retirement/savings into my budget so it became a "necessity" like any other bill.  Suddenly, my cable and cell phone stood out as nice-to-haves, not need-to-haves, so I cut them out entirely.  Third, though I'm always on top of my bills, I started using auto-pay functions to ensure I would never get behind.  Fourth, I started eating in and brown-bagging far more, which decimated the amount I was spending eating out.  My next step is to have my bank automatically send money monthly to my investor, like a bill, so it gets done despite how busy I get.
1110324
Expenses rise to meet income, no limit to that.  Ideally what ever you make is enough. How about enough so that the lack of or too much of it does noy limit your having a good life and being happy
886247
Make the plan simpler. Break the big plan into little plans then achieve each one. Give the plan a simple goal, not a wishy washy one. A plan to "feel happier" or "to stop designating unwell situations as unpleasant awareness items" are hard to define. A plan to save money is really easy. So much per week, extra over-time in kitty etc etc, it's measurable and definite. Give a dream a deadline and it becomes a plan.