Training The Excessive To Spending Responsibly

in #hive-1679223 years ago

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I was out with a cousin recently. The aim was to experience fun, a different environment with a serene outlook on a low budget. This wasn't what I would do regularly, but I have the disposition that the vitality of making money was actually in its spending.

There are so many reasons why people make money. From the society where I come from, the essence of money-making is mainly to shoulder responsibilities. People don't think they should have fun or take time out to enjoy the money they're making especially if the money they're earning cannot extend to taking care of their desires or indulgences.

They consider fun to be for financially capable people. While this isn't true, I believe that in a bid to establish balance, people extend frugality to some aspects of their lives that they really shouldn't.

Back to my outing, my cousin spent a lot on expensive alcohol and spent even lesser on food. This was a bit contrasting. He is someone who I wouldn't consider to be rich, but he's got enough to take care of things. I wouldn't spend so much on alcohol, because I feel it's an indulgence that's not financially beneficial.

However, the contrasting scenario is that I've always felt people should spend on what they crave especially if they're going through a lot to make their money but at the same time this mentality might establish wastefulness.

This also contradicts my opinion, where I feel people should pay themselves first from the profits or yields of whatever business venture they're in before taking care of secondary responsibilities irrespective of how important they might seem. However, I'll ask the question I wanted to establish for this blog post; at what stage do we begin to spend responsibly?

I believe that spending responsibly should mean being intentional, clear, and concise, especially with money.

But do we have to wait for a certain stage in life to do so? I believe I might be a little bit sentimental when it comes to spending and this might be because I was raised in an environment where we extolled the virtue of discipline with spending. At the early age of 10, I already understood to spend meaningfully.

My parents did, but did this discipline with money change our finances? No. It didn't. Although I would say we didn't financially implode, my father wasn't a business tycoon, he couldn't externally create opportunities to make enough money, but he felt he could manage the one he had.


This is where we see a distinction between being frugal and spending wisely.


While this feels closely related, I'll say it isn't. Perspective matters a lot when it comes to spending. Sometimes when we observe the way some people spend, it might seem ostentatious and unbelievable but then the reason for that spending might be justifiable.

The essence of spending is to attain a purpose but if we eventually attain utility along the line, then the volume or amount wouldn't matter. The endgame of money is to spend it, whether we save it or make a budget, no matter how long, we eventually spend it.

So this brings me to the subject of being frugal. In my opinion, frugality doesn't make you richer, working harder to exceed your expenditure is what eventually does. This is why I say frugality is born of the necessity to manage. When one is managing, it'll be difficult for them to express themselves financially.


Differently Sentimental About Money

Likewise, I want to be a bit sentimental here. This is because we cannot share the same sentiment when it comes to dealing with money. Our differences are why we have diversity in-depth or means.

Our knowledge differs because money and the human experience are ever-changing, this is we sometimes fail, or sometimes succeed when we're spending.

This is why I'll say the right stage to spend responsibly is when one begins to get to stages where their money might begin to determine their decisions, their actions, choice of words, or even their non-monetary decisions.

Spending responsibility doesn't mean we cannot spend ostentatiously. For example, when we're 70% purposeful with spending, then, we can afford to be 30% irresolute. No matter how much we're spending, this would eventually prove more essential.




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I think it kind of depends. If people have suffered or watched their parents go through hard financial times, then they will also think more carefully about buying stuff. Obviously, it doesn't apply to everyone and financial education is severely lacking in society right now. So I think it would be hard to change people's habits without teaching them financial education.

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Financial education is lacking like you've said, nevertheless, I think one's previous experiences towards loss or gains can tailor them to spending rightly or wrongly. There are probably different angles to look at this. Thanks for coming through

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We must have a proper budget in a way to live our lives, having fun is part of ways which must be included in spending money. Enjoy the process and don't think fun is rich people alone

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Frugal and spending wisely comes out as a thing of principle. Acknowledging, frugality is birthed out of necessity is actually the key. The one who wins at this is the one who has the back up thought of necessary for what. As it gives direction and a target to reach. Could be a financial goal or archive something in the process. when being frugal is done for the sake of it. Then we have a problem, In this case someone is just depriving them selves and mostlikely fearful not harnessing the power of utility the money has for them to function.
On this one I join you one one having an ability to expand earnings and be vested in the art of investing for the sake of financial growth in many areas

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One thing you've said that I've keyed into is the fact that when people are being frugal for the sake of it, then they're depriving themselves of the so much more they can do with their money.

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Making it even harder to get out of the fix one finds themselves in. And when fear and greed kicks in making the situation worse. Money must be studied in various dynamics making it a far complex issue than we see or think

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Just as you said here,

I've always felt people should spend on what they crave especially if they're going through a lot to make their money

People spend based on cravings that’s why some buy cars even when they are living in a rented apartment, some would spend on phones even if they know it’s their last dime and won’t have enough for some. Some it’s clothes shoes and all

I was once the type that didn’t like spending on myself rather than spend, I’d instead save up. But I realized that why do I work if not to look good and be comfortable. Now when I have cravings (mostly food though) I quench the cravings but that doesn’t mean I won’t still have savings but I have learnt how to balance things up.

Thanks for this write up