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Getbig Bodybuilding Boards => UK Getbig Bodybuilding and More => Topic started by: Skorp1o on July 31, 2014, 01:40:47 AM
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It's a dilemma I keep battling within myself. I can never be one of those guys who has a couple of million of assets yet drive a 7 year old Vauxhall Zafira and buy clothes from Primark and work suits and shoes from George in Asda. (This example is based on one person I know very well)
I think I have an ok balance right now, but sometimes I wonder if one holiday instead of 4 would be better for my investment portfolio, cut down on nights out in restaurants...etc and as I live in Zone 1 I don't really need a car yet a have a new Merc parked up that I drive twice a month if I'm lucky.
I tried cutting down, but then I found myself questioning the reason behind me working 60+ hours a week and felt like I was doing it for nothing. Other times I come back from a two week holiday and find that my savings account from the moment I bought the flights to the taxi ride home is down by £££k's or so and think was it that necessary.....
Anyone else battling similar deamons? or do I just have a tight little git with a voice within me trying to get out which everyone has now and then?
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ive never understood the mentality of saving for your old age
wtf are you going to do with your money when you 80 buy cardigans
enjoy your life - you could die tomorrow
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I dont save for old age, I am frugal with money though and do not keep up with trends in fashion and technology.
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It's a tough balance.
Their is a part of our brain, which is in the reward area and when we have saved up for something it triggers a response that you wouldn't get if you got it on credit etc. If you're pulling in big bucks then this would mean saving for something bigger I suppose, but as bigmc said, save to buy something/do something don't just save for the sake lol.
My grandad died at age 78 with millions of pounds in assets and savings. He wore polo shirts with holes in and drove a H reg land rover lol case in point. Now his children are renting out a couple of properties each, and spunking the income on thing that he should have! Tight greek bastard ;D
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Historically speaking I would be considered most definitely wasteful by most people, however what they consider wasteful may not be so to me.
However I can totally appreciate and respect other peoples point of view. I try to put myself in their shoes looking in on me. So much of this comes down to individuals circumstances, for example are they married? Do they have kids or other responsibilities and most importantly what is important to them in life, their value systems and fundamentally their personality.
In my experience you really don't need to have much money to live a happy, healthy and content life. So long as you have a roof over your head, can pay the bills, provide for your family that is all that is required, the rest is a bonus so long as you have a healthy and balanced mindset.
Of course many including myself don't have a balanced or healthy mindset because for a lack of a better term I grew up wrong. Hung out with the wrong crowd, got involved in things I shouldn't have got involved with, developed bad habits and addictions from an early age and if you do those things for long enough they form part of your character and personality and if the "crazy" life doesn't kill you the depression caused by trying to go back to "normal" one (either by choice or circumstance) most definitely will because now you cant be "who you are" anymore.
You see the unhealthy mindset is fundamentally based on greed, false comparisons, envy and your desires and expectations in an unhealthy mindset are never ending. If it's not the next car, the next house, the next night out, the next whore, the next bet...whatever it is you ALWAYS have your eyes set on SOMETHING which means you can never be truly happy.
As you get older and more mature you realize and feel the above more and more so you try and have a more healthier mindset, one based on trying to be as successful as you can but also as balanced as you can.
For some this happens quicker than most, for others it takes a long time to realize, for some it never does.
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Historically speaking I would be considered most definitely wasteful by most people, however what they consider wasteful may not be so to me.
However I can totally appreciate and respect other peoples point of view. I try to put myself in their shoes looking in on me. So much of this comes down to individuals circumstances, for example are they married? Do they have kids or other responsibilities and most importantly what is important to them in life, their value systems and fundamentally their personality.
In my experience you really don't need to have much money to live a happy, healthy and content life. So long as you have a roof over your head, can pay the bills, provide for your family that is all that is required, the rest is a bonus so long as you have a healthy and balanced mindset.
Of course many including myself don't have a balanced or healthy mindset because for a lack of a better term I grew up wrong. Hung out with the wrong crowd, got involved in things I shouldn't have got involved with, developed bad habits and addictions from an early age and if you do those things for long enough they form part of your character and personality and if the "crazy" life doesn't kill you the depression caused by trying to go back to "normal" one (either by choice or circumstance) most definitely will because now you cant be "who you are" anymore.
You see the unhealthy mindset is fundamentally based on greed, false comparisons, envy and your desires and expectations in an unhealthy mindset are never ending. If it's not the next car, the next house, the next night out, the next whore, the next bet...whatever it is you ALWAYS have your eyes set on SOMETHING which means you can never be truly happy.
As you get older and more mature you realize and feel the above more and more so you try and have a more healthier mindset, one based on trying to be as successful as you can but also as balanced as you can.
For some this happens quicker the most, for others it takes a long time to realize, some never do.
The best thing about living in a loft, is that the roof is literally over your head ;D
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The best thing about living in a loft, is that the roof is literally over your head ;D
Indeed BigCyp, and mostly covered with pigeon pooh. ;D
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Indeed BigCyp, and mostly covered with pigeon pooh. ;D
;D
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If I was a millionaire I still wouldn't pay more than £40 for a pair of jeans.
What does that make me?
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If I was a millionaire I still wouldn't pay more than £40 for a pair of jeans.
What does that make me?
someone who doesn't like jeans
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someone who doesn't like jeans
Fact remains that they are jeans (fucking work pants), I wear jeans all the time and have some pretty smart casuals, but when I hear people spending over a ton for a pair.
Really?
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Fact remains that they are jeans (fucking work pants), I wear jeans all the time and have some pretty smart casuals, but when I hear people spending over a ton for a pair.
Really?
ive got a pair of levis that have lasted me 18 years
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I buy those slim fit low rise ones from Hugo Boss that set me at 120 a pop more or less. The fit dead snug on my bum.
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I buy those slim fit low rise ones from Hugo Boss that set me at 120 a pop more or less. The fit dead snug on my bum.
I cant wear slim fit, I dont have big legs but I look like Max Wall in them.
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I buy those slim fit low rise ones from Hugo Boss that set me at 120 a pop more or less. The fit dead snug on my bum.
you are a ripped twink though tailor made for designer clothes
us permabulking fat boys struggle to get stuff
I cant get slim fit jeans over my ankles >:(
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I buy jeans from TK Max for no more than £40, but it's great because their actual RRP used to £5m
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Historically speaking I would be considered most definitely wasteful by most people, however what they consider wasteful may not be so to me.
However I can totally appreciate and respect other peoples point of view. I try to put myself in their shoes looking in on me. So much of this comes down to individuals circumstances, for example are they married? Do they have kids or other responsibilities and most importantly what is important to them in life, their value systems and fundamentally their personality.
In my experience you really don't need to have much money to live a happy, healthy and content life. So long as you have a roof over your head, can pay the bills, provide for your family that is all that is required, the rest is a bonus so long as you have a healthy and balanced mindset.
Of course many including myself don't have a balanced or healthy mindset because for a lack of a better term I grew up wrong. Hung out with the wrong crowd, got involved in things I shouldn't have got involved with, developed bad habits and addictions from an early age and if you do those things for long enough they form part of your character and personality and if the "crazy" life doesn't kill you the depression caused by trying to go back to "normal" one (either by choice or circumstance) most definitely will because now you cant be "who you are" anymore.
You see the unhealthy mindset is fundamentally based on greed, false comparisons, envy and your desires and expectations in an unhealthy mindset are never ending. If it's not the next car, the next house, the next night out, the next whore, the next bet...whatever it is you ALWAYS have your eyes set on SOMETHING which means you can never be truly happy.
As you get older and more mature you realize and feel the above more and more so you try and have a more healthier mindset, one based on trying to be as successful as you can but also as balanced as you can.
For some this happens quicker than most, for others it takes a long time to realize, for some it never does.
Well said.
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I buy jeans from TK Max for no more than £40, but it's great because their actual RRP used to £5m
haha yes cyp
I actually got a 500 pound leather jacket for 40 quid
it was last season of course and that season was the industrial age
but great deals to be had none the less
sports direct is another one where you can buy enough gym kit for a year for about 50 pence
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haha yes cyp
I actually got a 500 pound leather jacket for 40 quid
it was last season of course and that season was the industrial age
but great deals to be had none the less
sports direct is another one where you can buy enough gym kit for a year for about 50 pence
Haha yes mate, all about the nike airs with really awful shape/colours that are only ever sold in Sports Direct ;D
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haha yes cyp
I actually got a 500 pound leather jacket for 40 quid
it was last season of course and that season was the industrial age
but great deals to be had none the less
sports direct is another one where you can buy enough gym kit for a year for about 50 pence
My girl who likes running was trying to convince me to buy a pair of running shoes for my triathlon between 90 and 120 quid, she said as I have bad knees and I'm quite heavy for a runner with poor running form I need the best support I can get....spoke to a regular ultra marathon runner who told me all these fancy trainers are just marketing bro-science shit, never spend more than 40 quid on a pair. He recommended Air Pegasus which I got for 45 or something....best running pair I ever had.
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I can never be one of those guys who has a couple of million of assets yet drive a 7 year old Vauxhall Zafira and buy clothes from Primark and work suits and shoes from George in Asda.
I'm not sure, if I could either man.
But the reason I'm not sure is because I have have no fucking idea what zafira, Primark or George in Asda is. Epic foreign conversation of peace.
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I actually got a 500 pound leather jacket
I think chaos has one of these too.
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I'm not sure, if I could either man.
But the reason I'm not sure is because I have have no fucking idea what a station wagon, tj max or walmart is. Epic foreign conversation of peace.
translated it for you
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My girl who likes running was trying to convince me to buy a pair of running shoes for my triathlon between 90 and 120 quid, she said as I have bad knees and I'm quite heavy for a runner with poor running form I need the best support I can get....spoke to a regular ultra marathon runner who told me all these fancy trainers are just marketing bro-science shit, never spend more than 40 quid on a pair. He recommended Air Pegasus which I got for 45 or something....best running pair I ever had.
I wear the same pair of trainers I have worn for the last 9 years.
They've been through thick and thin with me and that's never gonna change. 8)
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I wear the same pair of trainers I have worn for the last 9 years.
They've been through thick and thin with me and that's never gonna change. 8)
Same underpants as well, why is that?
Surely you could afford something better than those 50p boxers.
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Same underpants as well, why is that?
Surely you could afford something better than those 50p boxers.
I think my boxers were around £6 for pair of 3, and I am being dead honest with you here, I thought it was a good deal. ;)
My trainers have sentimental value to me and I am highly OCD & superstitious fella. I MUST wear certain shirts etc when I am playing poker etc.
Like I have many pairs of sunglasses but I ALWAYS wear the same Ray Ban ones you see, cos those were the ones I won my first tournament in.
I'm just a weird kid. ;)
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While you are in an honest mood , why do you never wear trousers in the house?
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While you are in an honest mood , why do you never wear trousers in the house?
Never thought of it really, I mean I'll wear jogger bottoms inside if it's winter or cold but generally i'll be in my boxers, just feels more comfortable I guess.
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Never thought of it really, I mean I'll wear jogger bottoms inside if it's winter or cold but generally i'll be in my boxers, just feels more comfortable I guess.
I take no one ever knocks on your door?
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As you may know I was a multi-millionaire in the early 2000's, I spent a wad of cash, needed the newest and fittest suits, it catches up with you, nothing wrong with being frugal, 40 pound jeans do the same thing that the 190 pound jeans do.
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translated it for you
Thank you.
I'm in the middle then. Frugal at times, wasteful others, especially when it comes to food. I spend too much. Probably could go on about this topic for hours, but no time right now.
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I take no one ever knocks on your door?
No really mate unless I am ordering a Pizza or getting a parcel or something, and if I do they'll buzz on the video entry and I'll see who it is, put on something and go downstairs and collect....I see Sev's not logged in and your getting bored. Lol :D
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No really mate unless I am ordering a Pizza or getting a parcel or something, and if I do they'll buzz on the video entry and I'll see who it is, put on something and go downstairs and collect....I see Sev's not logged in and your getting bored. Lol :D
Na, just serious questions that I have pondered over.
No personal attacks at all.
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Na, just serious questions that I have pondered over.
No personal attacks at all.
No worries at all mate, i'll be as honest and open as I can.
To be honest when I came back on here I wanted to send you a pm to apologize for any offense I may have caused you in the past or said anything which I didn't mean when I was melting down, so I might as well take this opportunity here to tell you that I never had anything against you in the first place and genuinely wish you nothing but the best in life.
Regards
M
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Very frugal, I think its a problem I inherited from my dad added to the favt that I spent 8 years self employed and would always worry about work drying up.
Even now with a decent job where I know im actually getting a wage every month I still cant shake the feeling of needing to save every penny.
I even used up gear I knew fine well was fake just because id payed for it ::)
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No worries at all mate, i'll be as honest and open as I can.
To be honest when I came back on here I wanted to send you a pm to apologize for any offense I may have caused you in the past or said anything which I didn't mean when I was melting down, so I might as well take this opportunity here to tell you that I never had anything against you in the first place and genuinely wish you nothing but the best in life.
Regards
M
(http://blogs.discovermagazine.com/loom/files/prevsite/hobbit%20head-lo.jpg)
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I am definitely not frugal but I try to get the best price where possible. For instance I use jan marini skincare and I purchase it online from America. I can get five products for $200 AU and then postage will be $25 on top. In Australia I would be paying $550 and I wouldn't get my bioclear lotion as the government decided beauty therapists can't sell it as they banned alzelic acid. But I get it online. I do the same with my makeup... I get most online as I wear chanel so I can save quite a bit from strawberrynet. When it comes to food every week... I look at the brochures here and I get the best prices between Coles and woollies. Clothes wise... I again try to purchase things in sales. For bikinis I can't as the sizes sell fast and same with bras as I have to get my size when I see it since most don't do larger sizes in the sexy stuff.
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I am definitely not frugal but I try to get the best price where possible. For instance I use jan marini skincare and I purchase it online from America. I can get five products for $200 AU and then postage will be $25 on top. In Australia I would be paying $550 and I wouldn't get my bioclear lotion as the government decided beauty therapists can't sell it as they banned alzelic acid. But I get it online. I do the same with my makeup... I get most online as I wear chanel so I can save quite a bit from strawberrynet. When it comes to food every week... I look at the brochures here and I get the best prices between Coles and woollies. Clothes wise... I again try to purchase things in sales. For bikinis I can't as the sizes sell fast and same with bras as I have to get my size when I see it since most don't do larger sizes in the sexy stuff.
tldnr
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I planned out at 24 that I wanted to have 2-3 rental houses and a decent business by the age of 30 so I could chill and be semi retired. At 27 I've got two houses (one with 60k mortgage and one with 85k) and started the business in January. I brought the 2nd house around the time I started the business as I got offered a great deal on it. But it needs some work on it so I've went from saving a few 1000 a month easy to ducking and diving with overdrafts. Will be like this for a year or two :'(
Sometimes I don't think it is worth it being frugal to be honest. Pulling up in a micra next to someone in a fat merc or bimmer can be frustrating when you know you've probably got more or the same level of wealth as them ;D. Also sometimes I think my youth is wasted being frugal. I will strop being tight at 30 though. I don't think I will buy another property as well, the return on the investment (500-600 a month here) isn't worth the hassle
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tldnr
?
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I planned out at 24 that I wanted to have 2-3 rental houses and a decent business by the age of 30 so I could chill and be semi retired. At 27 I've got two houses (one with 60k mortgage and one with 85k) and started the business in January. I brought the 2nd house around the time I started the business as I got offered a great deal on it. But it needs some work on it so I've went from saving a few 1000 a month easy to ducking and diving with overdrafts. Will be like this for a year or two :'(
Sometimes I don't think it is worth it being frugal to be honest. Pulling up in a micra next to someone in a fat merc or bimmer can be frustrating when you know you've probably got more or the same level of wealth as them ;D. Also sometimes I think my youth is wasted being frugal. I will strop being tight at 30 though. I don't think I will buy another property as well, the return on the investment (500-600 a month here) isn't worth the hassle
That's my plan as well mate.
As soon as the Mrs is back to work (when my youngest is at school age) we will use the cash per month to get another house, and in a few years maybe another. Once I am on GP earnings I can look at increasing it.
Property is hit and miss if you are buying and selling, but if you can get yourself a few properties and get them furnished very nicely - you will ALWAYS get a rental income of up to a few K a month.
I would rather that at 60 years old, than a poxy private/work pension.
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I tend to be frugal when it comes to frequency of purchases, not price itself. If I want something special, I will get the best I can most practically get. But when I have something good, I take forever to replace it. And yes, always replacement only, I detest owning two things for one purpose.
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I tend to be frugal when it comes to frequency of purchases, not price itself. If I want something special, I will get the best I can most practically get. But when I have something good, I take forever to replace it. And yes, always replacement only, I detest owning two things for one purpose.
That's a good way of looking at it.
When it comes down to the little luxuries in life, coffee, whiskey, cheese etc etc I NEVER get a cheap version, it doesn't make sense to me?
When people come over my place they are amazed at my coffee machine, and the way they comment it's like i've stolen from the children of eithiopia to buy it lol - it's only a £400 machine. But I drink coffee every morning, I want it from beans, not grounds, or instant. I simply press a button and I get an espresso/americano/latte in 20 seconds - tastes better than a starbucks and it's paid for itself like 100 times over.
Same with Whiskey, every morning I wake up.......hahaha just kidding ;D
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That's a good way of looking at it.
When it comes down to the little luxuries in life, coffee, whiskey, cheese etc etc I NEVER get a cheap version, it doesn't make sense to me?
When people come over my place they are amazed at my coffee machine, and the way they comment it's like i've stolen from the children of eithiopia to buy it lol - it's only a £400 machine. But I drink coffee every morning, I want it from beans, not grounds, or instant. I simply press a button and I get an espresso/americano/latte in 20 seconds - tastes better than a starbucks and it's paid for itself like 100 times over.
Same with Whiskey, every morning I wake up.......hahaha just kidding ;D
Fully agreed on the whiskey. Which is why I'm so surprised to see posters here showing off their watches and cigars, yet drinking cheap-ass blended whiskey like Johnnie Walkers.
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Agreed. I was going to address the dubious whiskey preferences here once this whole UK thing settled a bit.
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Fully agreed on the whiskey. Which is why I'm so surprised to see posters here showing off their watches and cigars, yet drinking cheap-ass blended whiskey like Johnnie Walkers.
I did wonder lol.
I am not well off by any stretch of the imagination, but my starting point for a scotch must be at least 12 years old, and start with the word Glen lol
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I did wonder lol.
I am not well off by any stretch of the imagination, but my starting point for a scotch must be at least 12 years old, and start with the word Glen lol
Port Ellen. Thank me after having tasted it.
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Port Ellen. Thank me after having tasted it.
I'm on it Captain
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I am frugal.....the animals I feed are not. Including the tigress with my cubs. But I do not deny myself luxuries, I like quality stuff.
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neither. I'm a balanced spender...
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Very frugal, I think its a problem I inherited from my dad added to the favt that I spent 8 years self employed and would always worry about work drying up.
Even now with a decent job where I know im actually getting a wage every month I still cant shake the feeling of needing to save every penny.
I even used up gear I knew fine well was fake just because id payed for it ::)
You must be Northern!
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You must be Northern!
Haha yes northumberland to be precise
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The best thing about living in a loft, is that the roof is literally over your head ;D
Hahaha!! 8)