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Six in 10 live pay to pay - 9/14/2010 2:32:04 PM

pahunkboy

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he recession may be officially over, but six in 10 Canadians are still surviving from paycheque to paycheque, a national survey showed Monday. Fifty-nine per cent of Canadian workers say they would be in financial trouble if their paycheque was delayed by just a week – the same proportion as last year when the economy was still mired in a downturn, according to a poll of 2,766 people by the Canadian Payroll Association./snip

http://www.theglobeandmail.com/report-on-business/economy/six-in-10-live-pay-to-pay/article1705096/

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RE: Six in 10 live pay to pay - 9/14/2010 4:38:57 PM

Fellow

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The public polls of this kind are not informative. Living from paycheck to paycheck does not mean 6 out of 10 are poor. They may have substantial assets at the same time (house equity, pension funds, stock ownership etc...).

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RE: Six in 10 live pay to pay - 9/15/2010 11:32:56 AM

LaTigresse

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Plus, I know a lot of people that live that way and have ALWAYS lived that way.

Often due to piss poor money management.

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RE: Six in 10 live pay to pay - 9/15/2010 11:37:22 AM

mnottertail

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And these are canucks anyhow, so it don't count anyway.

LOL. (sorry Arpig et al, let a man have a joke, eh?)

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RE: Six in 10 live pay to pay - 9/15/2010 11:38:25 AM

LadyHibiscus

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Poor money management, yes. And, pay cuts combined with INCREASES in necessary expenses, and suddenly that cushion evaporates!!

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RE: Six in 10 live pay to pay - 9/15/2010 11:48:59 AM

Toppingfrmbottom

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I know you said often and not always, however I wanted to chime in anyway.

even if Daddy manages his money properly, there's somedays there just aint a pot to piss in or a window to throw it out of, by the time he gets paid again.

quote:

ORIGINAL: LaTigresse

Plus, I know a lot of people that live that way and have ALWAYS lived that way.

Often due to piss poor money management.

< Message edited by Toppingfrmbottom -- 9/15/2010 11:50:45 AM >

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RE: Six in 10 live pay to pay - 9/15/2010 12:13:09 PM

LaTigresse

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Yes, that is why I used the word 'often'.

All too often, we mistake wants with needs. My daughter whines she never has money to save.......I showed her that yes, in fact she did. Then I took her to her upstairs bathroom and pointed to a stack of People magazines and said "Because you needed these?"

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Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

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RE: Six in 10 live pay to pay - 9/15/2010 12:20:09 PM

Fellow

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One of the reasons seems to be an excessive cost of housing in Canada (bubble?) that leaves very little disposable income to spend/save.
Here is a citation:
"Canadians are spending more and more of their disposable income on housing. In Toronto, 44% of disposable income goes to housing and in Vancouver the figure is a whopping 68%. The trend is likely not sustainable."

[ http://business.financialpost.com/2010/05/20/is-canadas-housing-bubble-about-to-burst/ ]

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RE: Six in 10 live pay to pay - 9/15/2010 12:22:58 PM

pahunkboy

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quote:

ORIGINAL: LaTigresse

Plus, I know a lot of people that live that way and have ALWAYS lived that way.

Often due to piss poor money management.

Happy days are here again. True - it long has been like this.

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RE: Six in 10 live pay to pay - 9/15/2010 8:16:03 PM

Toppingfrmbottom

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Yeah, I hate it when people moan and groan about their money an they're pissing it away. It's like Daddy had this thing in the past about new technology, and he's always saying is 100 dollars to much for a phone bill, what about 80, or what about 65 and I am like YES my god that's to much, what's wrong with a simple 45 dollar phone, you don't need all the techno geek functions of a expensive phone. Yours is just fine, it does web, and text and unlimited talking.

Or one time I was like well if you cancel netflix, and gamefly* netflix is 32 dollars for 3 games at a time, and netflix is 19 a month, and the gym, which he never uses is 40* Then that's a bunch of spare money right there, to which he replies, but I need netflix and gamefly, it's boring with out them.

I was not feeling sympathetic, I was like play the 100's of games you already have, and if you're hunkering for a movie then watch the 100's you already have, and stop the gym membership, which we're not using.

That's 40 dollars free right there.

And he's much much better now, but he used to justify buying movies an shit we didn't need by saying it was only 20 dollars, or hey it could be worse.........

That " only 20 dollars" adds up real quick on a budget.

And I am not one to talk I spent myself down to 0.00 one month on accident not paying attention, but I try very hard to budget.And do so successfully most the time.

quote:

ORIGINAL: LaTigresse

Yes, that is why I used the word 'often'.

All too often, we mistake wants with needs. My daughter whines she never has money to save.......I showed her that yes, in fact she did. Then I took her to her upstairs bathroom and pointed to a stack of People magazines and said "Because you needed these?"

< Message edited by Toppingfrmbottom -- 9/15/2010 8:17:44 PM >

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RE: Six in 10 live pay to pay - 9/15/2010 10:29:51 PM

pogo4pres

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quote:

ORIGINAL: Toppingfrmbottom

Yeah, I hate it when people moan and groan about their money an they're pissing it away. It's like Daddy had this thing in the past about new technology, and he's always saying is 100 dollars to much for a phone bill, what about 80, or what about 65 and I am like YES my god that's to much, what's wrong with a simple 45 dollar phone, you don't need all the techno geek functions of a expensive phone. Yours is just fine, it does web, and text and unlimited talking.

Or one time I was like well if you cancel netflix, and gamefly* netflix is 32 dollars for 3 games at a time, and netflix is 19 a month, and the gym, which he never uses is 40* Then that's a bunch of spare money right there, to which he replies, but I need netflix and gamefly, it's boring with out them.

I was not feeling sympathetic, I was like play the 100's of games you already have, and if you're hunkering for a movie then watch the 100's you already have, and stop the gym membership, which we're not using.

That's 40 dollars free right there.

And he's much much better now, but he used to justify buying movies an shit we didn't need by saying it was only 20 dollars, or hey it could be worse.........

That " only 20 dollars" adds up real quick on a budget.

And I am not one to talk I spent myself down to 0.00 one month on accident not paying attention, but I try very hard to budget.And do so successfully most the time

My wife and I solved that unexpected expenditure crap by agreeing to phoning in if we see something we might want, and could make use of, and costs more than ten dollars. This ten dollar and under limit has saved a shitload of arguing over money, and let us face it probably 1/2 the arguments any couple has are going to be about money. The good thing is this prevents me from blowing the budget on shit. I am the one that spends freely, and my wife handles the money, not because I can't but because I really hate it. I like handling the budget like I like an out of body experience, even though as a submissive there are times when the out of body can be fun, handling money has never done it for me ;-)

Financially,
Some Knucklehead in NJ

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RE: Six in 10 live pay to pay - 9/16/2010 1:45:21 AM

Toppingfrmbottom

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Pogo, that's a good way to handle it.

For me, I can drop a pretty penny* say 150 either one purchase or over a couple of them* if I have just been payed, an there's no bills an it won't affect me. He's not so lucky, so he really has to budget carefully.

It's stupid stuff too, it's like we have a perfectly good bottle of water in the car, an he's been saying how monies tight, an what not an then says he's going to go buy a soda, now I know a soda don't cost more than 3 dollars, but it's the principal you know.

he's thirsty. I said drink the water in the car, and he says no it's icky, and it's warm and I don't drink water. I said oh come on it's not icky it's a brand new bottle, and he's like alrgith, tell you what, I'll bring it in the house an you take two huge drinks of it back to back and don't say it's icky or ewwwwwwwww, and I'll drink it.

He brought it in I sniffed it first then took two chugs, and pronounced it absolutely fine. So he ended up drinking it. I bet he thought I;d take a sip an go "ewww icky, it's been in the car all day"

quote:

ORIGINAL: pogo4pres

My wife and I solved that unexpected expenditure crap by agreeing to phoning in if we see something we might want, and could make use of, and costs more than ten dollars. This ten dollar and under limit has saved a shitload of arguing over money, and let us face it probably 1/2 the arguments any couple has are going to be about money. The good thing is this prevents me from blowing the budget on shit. I am the one that spends freely, and my wife handles the money, not because I can't but because I really hate it. I like handling the budget like I like an out of body experience, even though as a submissive there are times when the out of body can be fun, handling money has never done it for me ;-)

Financially,
Some Knucklehead in NJ

< Message edited by Toppingfrmbottom -- 9/16/2010 1:47:02 AM >

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