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The conversations going on here are quite interesting. It actually mirrors many conversations I have with the guys I work with. Lets get some perspective here, and I'll use where I work as an example.... I work with about 90 other guys. My company is union, we have pretty good benefits, and I make a pretty good paycheck. Our contract was up this past September, and many guys cried that we didn't get a big enough raise... Considering the amount of money my company has made over the past couple of years I agreed with that so I voted my contract down. If everyone else really felt they deserved more wouldn't they have voted no? Only 7 guys voted no. After the vote all the same guys who cried they weren't making enough money said they had no choice because they have a family.... Maybe a good reason, but I think it's a lame excuse. The real reason they voted yes is because all the other guys who voted yes are really bad at managing their money. They blow their cash on dope, booze, cigarettes, $400 cell phones, motorcycles, 4 wheelers, boats, and the list can go on . If your family was that important you wouldn't drop those habits and expensive hobby's so your wife and kids can have more things and, more importantly, financial security with a savings account? Nearly everyone I work with lives pay to pay. How is it that I don't live like that and we work at the exact same place? I manage my money better, period. It's not necessarily how much you make.... It's what you do with your money that really matters, so make it count and quit blaming everyone else for your problems. And trust me, I'm not perfect. I got myself in a bit a debt, but I blamed myself, took responsibility for my actions, changed my lifestyle, and now I'm about 100x better off than I ever was before. If I can make the change than anyone can.
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