Do you have a budget plan of your own?

I need to put something into effect, I've noticed of late I'm spending too much.
 
Looks like it's not just me.
At some point everyone needs a budget plan of their own especially the employees.
 
Claraviolet said:
True
But people don't like to part with it. So, they would keep on holding onto it.
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Holding onto gold can be good for some people who spend a lot of money on many expensive luxury items like expensive $1000 smartphones which most likely be worth a few hundred dollars in a few years. But, $1000 in gold would more likely be worth more than $1000 in a few years.
 
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froggyboy604 said:
Holding onto gold can be good for some people who spend a lot of money on many expensive luxury items like expensive $1000 smartphones which most likely be worth a few hundred dollars in a few years. But, $1000 would more likely be worth more than $1000 in a few years.
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That makes sense.
Usually when I saw gold, it's in the form of jewelry and no one wants to sell their jewelry here
 
Claraviolet said:
That makes sense.
Usually when I saw gold, it's in the form of jewelry and no one wants to sell their jewelry here
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I feel some people may buy more basic jewelry with a basic/simple design like a gold ring with a plain design like a solid gold ring with no pictures craved on it, so there is less sentimental value which prevents the owner from selling the ring because it is not unique.

Some people buy bars of gold and gold coins to sell in the future when they earn enough money when the price of gold increases, so they can buy something like a new big screen TV from earning money by selling gold.
 
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every pay period, I usually deposit at least $200. Of course, while prioritizing bills
 
froggyboy604 said:
I feel some people may buy more basic jewelry with a basic/simple design like a gold ring with a plain design like a solid gold ring with no pictures craved on it, so there is less sentimental value which prevents the owner from selling the ring because it is not unique.

Some people buy bars of gold and gold coins to sell in the future when they earn enough money when the price of gold increases, so they can buy something like a new big screen TV from earning money by selling gold.
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That's quite interesting.
I don't know anyone who purchased gold bars here.
 
My hubby has a little bit of money from his paycheck each week put into a savings account. He uses the money in that savings account to buy extra things and let himself splurge. I don't mind since we have plenty to pay out bills. I've thought about doing the same thing.
 
I've got a pseudo budget... By that I mean I keep track of how much I spend and know how much I need to. But I also am kinda prone to spending on a whim if I know I have the excess available.
Last year I had saved up a couple thousand. But I decided that using the money to pay off my student loans (Federal and Provincial) would be a better option. Getting them eliminated and becoming debt free is the goal this year.
 
Wow you guys
Guess it is just me who don't care about the budget plans. Yikes. Guess i really need tp save up a bit
 
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