- You’ve never once considered purchasing warranty. The nice salespeople always suggest that you buy some sort of expensive warranty for your expensive electronic (which you probably shouldn’t be getting in your financial situation anyway) and you can only politely decline. Not that you take amazing care of your iPod/Smartphone/laptop, but you just can’t bring yourself to fork out money that otherwise don’t have leave your ever-so-flat wallet.
- Learning that an amount like $30 can be stretched throughout a 2 week period between paychecks. As they say, desperate times call for desperate measures. Is it ever relaxing living from one payday to the next? I didn’t think so. During these times you learn to channel your inner frugality and avoid activities that require spending of any kind, including but not limited to eating.
- Regretting the purchase of lottery tickets. Yes, those lottery and scratch-and-win tickets provide you with a tiny little glimmer of hope but you soon realize, after week after week of disappointment, that you might as well have just thrown your money away. Now wouldn’t it have been great if you had thought that one through and purchased a meal instead of starving yourself?!?!!! It just goes to show the power of having hope –so keep that going (just lay off the lottery tickets).
- When something you need goes on sale, you buy it. In fact, you buy it EXTREME COUPONING style. Sales feel like a once in a lifetime experience when you’re broke. If you miss it you won’t be using that product for awhile. This is sort of like when you’re so hungry you can’t help but gorge yourself at the end of the day despite knowing you don’t need all of the food.
- Reconsidering your scheduled days off at work because you need the money from extra shifts. At times you’re actually super relieved to have a day off once every so often to take a break and just breathe… but as soon as you hear your boss mention an extra shift you instantly feel the obligation to comply. Pressure from your boss? Nope. Pressure from being broke? Totally.
- Always going for the personalized hairstyle. By this, I mean you probably cut your own hair at times to dodge a visit to the hairstylist. Long story short –the haircut isn’t worth the price and you sure as heck can’t afford it. Not to say you won’t regret the fact that you chopped all your hair off by accident and gave yourself a bad perm. Forgive yourself already, it’ll grow back.
- Sometimes thinking that even student pricing is too much. Aside from the usual children/seniors admission to events you probably have the most affordable admission to events at one point but the price still kept you from going. At some point you may have pre-planned the excuse of not having your cash or your bank card readily available to pay for access. What a bummer.
- Hording napkins from fast food restaurants. What more can I say?
- Who needs a hotel for roadtrips anyway? Just sleep in the car. They say to collect all the nice soaps and shampoos when you’re staying at a hotel and save but… can you really afford to stay at a hotel in this sort of financial situation? You take a look at your bank account balance and wonder why you ever thought the entire trip would make a good idea.
- Daily meals of instant noodles. Funny how you thought you would be leaving this kind of lifestyle behind after you graduate from post-secondary and land your dream job, huh? Little did you know that you were neglecting the debt from student loans and had miscalculated the chances of you actually landing a job, let alone the big dream.