Comments on: Why Money Won’t Solve Your Money Problem

By: Samantha

Samantha — Thu, 19 Nov 2009 22:13:47 +0000

I just read this today. I agree with you. Before I quit my job to stay home with the kids, I figured out how much money we had coming in and how much we spent on monthly expenses. Instead of making myself put money aside, I had my direct deposit split so that the extra money went directly into my savings. Never seeing it was like not having it. I can say that living off one income is a little more difficult, but I have always found myself to be thrifty, so we manage to stay a float.

By: Christina @ Northern Cheapskate

Christina @ Northern Cheapskate — Sun, 01 Nov 2009 02:21:49 +0000

Once again – you are RIGHT ON THE MONEY, Carrie! It’s far too easy to blame the world around you than it is to accept that maybe the reason you don’t have any money is YOU.

GREAT POST!

By: Holly Renodin

Holly Renodin — Fri, 30 Oct 2009 23:04:57 +0000

I know I need to learn contentment- it’s always been about the bigger & better, and yet when we get it, it’s not enough. Thank you Carrie- My hubby and I are just starting Financial Peace University by Dave Ramsey because we are done with this lifestyle!

By: Jamie E

Jamie E — Fri, 30 Oct 2009 17:30:11 +0000

Excellent post! Perfect argument for Total Money Makeover. I love Dave Ramsey!

By: Danielle

Danielle — Fri, 30 Oct 2009 16:17:56 +0000

Such a good point. I think that applies to once you do start saving money on your grocery bill. Instead of thinking you can buy even more food, don’t buy more than you need. Use your savings to pay off debt or put into savings. You’ll be paying off debt faster and living more comfortably.

By: Kelly

Kelly — Fri, 30 Oct 2009 15:31:25 +0000

I completely agree. My mother in law (who is retired but didn’t bother saving up for retirement) is ALWAYS complaining about how little income she has, when her real problem is her spending. She inherited $50,000 when her parents passed away, and it was just 3 or 4 years later that it was all gone PLUS she was several thousands in credit card debt. She could have invested it and had at least SOMETHING for retirement, but she spent it. She eventually declared bankruptcy. She blames social security. She has an entitlement attitude.

By: Stephanie Gulland

Stephanie Gulland — Fri, 30 Oct 2009 14:35:12 +0000

Great post Carrie! Thanks for sharing your wisdom. Ed & I are both finally committed to living within our means and getting out of debt. Looking forward to sharing our testimony!!!

By: erica f edwards

erica f edwards — Fri, 30 Oct 2009 13:53:11 +0000

I agree..I am finally realizing that now as I just finished paying some bills this month. Thank you for showing me how to save money>>

By: Erica Gores

Erica Gores — Fri, 30 Oct 2009 13:48:03 +0000

I totally agree. My sister always says, “It’s not how much you make, it is how much you spend,” which I think is really wise. I know it is really easy for me when money is less tight, to want to go out to eat more, or get that shirt at Target that I couldn’t afford before. Then I am always like, “Why aren’t we putting more in savings?” Keeping that mindset of not increasing the budget when income goes up is hard, but it is really worth it. It is something I am still learning.

By: Nate

Nate — Fri, 30 Oct 2009 12:56:27 +0000

Excellent post! This is something that I’ve been struggling with lately. I have had the great fortune, by a job change and a promotion, to be making 65% more than that I was three years ago. (Holy cow, I just calculated that, I didn’t think it was that much!) I’m doing pretty good with not increasing our budget too much to compensate, but it’s very hard to look at that and not think that I can just spend that extra money every month instead of putting it into savings or paying off debt faster.

You can live a comfortable life on nearly any income if you adjust your spending accordingly. But once you’re used to a certain type of lifestyle, it’s very difficult to change.