jump to last post 1-5 of 5 discussions (10 posts)

Please grade yourself (from 1 to 100%) in terms of how well you handle your pers

  1. fpherj48 profile image74
    fpherj48posted 2 years ago

    Please grade yourself (from 1 to 100%) in terms of how well you handle your personal finances..

    Would appreciate a brief explanation as to why you give yourself this grade.  Thanks!

    https://usercontent2.hubstatic.com/7155705_f260.jpg

  2. chuckandus6 profile image77
    chuckandus6posted 2 years ago

    80 percent I will bargain shop but...I will get in type of moods to say let's go do something fun,and arcades movies restaurant and long drives add up. but I don't regret it

    1. fpherj48 profile image74
      fpherj48posted 2 years agoin reply to this

      Good grade and excellent response!  There is time for pinching pennies and ALSO time to just ENJOY the things that make us happy.  You have a good attitude!  Peace, Paula

    2. chuckandus6 profile image77
      chuckandus6posted 2 years agoin reply to this

      thanks Paula that is how I look at it

  3. peachpurple profile image82
    peachpurpleposted 2 years ago

    0% !

    All the money in our household is being controlled by hubby. He pays for everything including grocery, household utility bills, kids education, etc.

    1. fpherj48 profile image74
      fpherj48posted 2 years agoin reply to this

      Well, OK.....that settles that!  LOL.  Thanks for replying anyway!  Peace, Paula

  4. ChristinS profile image96
    ChristinSposted 2 years ago

    75% I could make some improvements especially in investing long-term, but I'm an excellent bargain shopper, extremely resourceful in how and where I use the money I have and I live a very simple lifestyle.  I do have the matter of having unstable income - part of the joys of being a freelancer, never know exactly what is going to come in and when.  That can make it difficult to budget as effectively as I'd like.

    1. fpherj48 profile image74
      fpherj48posted 2 years agoin reply to this

      At 75% Christin you're still ahead of the game.  I know it's never easy, especially when we're raising kids.  Sounds to me like you're quite frugally creative!!  Good for you.  Peace, Paula

  5. Sparklea profile image76
    Sparkleaposted 2 years ago

    Paula, I am awful with numbers and percentages.  Upon reflection, I guess I would give myself a grade of 85 %. 
    I rarely use a credit card, except if I order off amazon.com...and I only do that if I have the money in my checking account.  I immediately write my husband a check after I order, as he pays the bills when they come in.
    I do not know how to use an ATM machine...hence no temptation to withdraw cash.
    I have a Christmas Club and savings account which I contribute to monthly.   The Christmas Club is great because I do not have to dip into my savings nor charge when it is time to Christmas shop.
    I also have a vacation account which I contribute to monthly...and when the time comes to go on a trip, we just take from that account.
    We have a 'house account' in which I deposit money each month.  This have been invaluable for when the washer breaks down, etc.
    I am absolutely terrified of stocks and investments.  My husband and I have a pacesetter account.  When that Ponzi scheme hit, we were safe, but a relative lost $300,000 and I know many celebrities lost a lot of money.  I want nothing to do with ANYTHING that has a speck of risk.
    I have a couple CDs which are doing bad because the interest is ridiculous, and I plan to make some changes when they mature. 
    Even though my husband pays the bills and I have a separate checking account, BOTH our names are on the checks in case of emergency, illness, or whatever. 
    Since my recreation is Barnes & Noble (weakness is buying books), reading, writing, and LOVE going to the movies, friends and family consistently give me Barnes & Noble and movie gift cards on special occasions.  This saves me a lot of money.
    I only buy clothes and shoes that I need.  I spend more money on books than anything else. 
    Since I am trying to clear out tons of clutter, my mantra is, "I don't need one thing in this house!" which is truly helping me eliminate.  Therefore I do not buy 'stuff' any more.  My books and gift cards serve me just fine.
    Thanks for a great question, Sparklea smile

    1. fpherj48 profile image74
      fpherj48posted 2 years agoin reply to this

      Spark...Sounds like you have a good head on your shoulders. Keep in mind there are "used" book stores & yard sale books even Goodwill etc.  I am a book Hog too! LOL!  You're in great shape!  85% ABOVE average...Peace, Paula

 
working