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Slick | When do you know if you are saving TOO much money? |
It seems like a very fine line. I am a frugal person by nature, and have money in the bank, but in the back of my head I always want more money. At the same time, who the hell wants to spend his whole life saving up for his funeral? Would seem like such a waste. Plus, the amount of money I have may seem like nothing to the next guy who may have millions. Is he considered cheap for not spending his money, or smart for saving it? Or maybe dumb because he can die at any time and it all goes to waste? |
 |
 
Jess Wundring
|
You're right, it IS a fine line.
No matter how much you save or earn, there are others who are better off (and worse off) than you, so figuring out what you "need" is pretty much a non-issue. You'll always manage, somehow, to get by with whatever it is that you have. Having more, of course, is normally better.
:)
But try to remember to weigh the value of what you're getting for the money you spend, and also that not all values can be measured in a pecuniary sense. For me, its buying real butter and real cream instead of less expensive, presumably healthier substitutes.
For you, it may be hand-made, custom-fitted shoes.
For your wife, it may be a $400 dinner on her birthday. You KNOW its a complete and utter waste of money, but it makes her wildly excited and smiling for days afterward. Would you consider it?
Frugality, like anything else, can be addicting. When it quits making you feel good, it's time to loosen up. When it interferes in your relationship with people you care about, it's time to loosen up. When holding on to the money seems more important than the value it brings you, or when you quit being just resourceful and resort to being cheap, its time to loosen up.
In all things, moderation. |
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Mo
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You can never save too much money. It's always good to know you are financially secure in those areas.
The question is,are you spending enough of it to enjoy your life?
I mean if you are just obsessed with making it..saving it and not getting out enough to enjoy it. than whats the point?
Most people dont have that problem. They spend way too much and never have enough.
Since you seem like you dont want to leave this earth just having a huge bank account, well, then you better start getting out there and enjoying what you've earned.. may i suggest a vacation first..somewhere tropical maybe?..no cell phones..no laptops..just a nice relaxing drink in one hand listening to the waves and enjoying a smooth breeze..light buzz..sunshine on your face..no worries..hmmm that ought to do the fix. Or..wherever you like or whatever you enjoy doing but have been procrastinating..Just Do It!
Start spending a little..not all..i mean dont blow it foolishly.
But definitely treat yourself and dont be a miser either.
Luck to you. |
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Narcissa K
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pray you never know that you've saved too much money, when there is something you really want to buy and you realize you have enough, you'll be a very happy man. |
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vixen
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Get a life. Figure out a reasonable savings and then enjoy yourself. You almost said it there are no guarantees. You sure can't take it with you and why leave it here for someone else to have fun on? |
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Frank Castle
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Are you a millionaire?
Drop me a line with your answer.
Top 4 Answerer in Business & Finance. (Vote for me) |
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duckboy007
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Good question....maybe i have the same problem...
generally they say you should have enough in savings which equals 3 months of salary....but, if you have been saving for years/decades, you have much more than that...
so, i would say save enough to feel secure should your income stop.....spend enough where you don't cut into these security savings, spend enough so you feel like you are living your life---living life equals doing stuff on a whim, having fun, seeing the world, learning, taking classes, giving to others for various reasons--and even for no reason, support good causes, including charities, and friends, families and yourself...spend to take care of yourself. |
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Thin Kaboudit
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Assuming your money is saved/invested in a broad range of vehicles (bonds/stocks/a little cash/an emergency fund of 3-6 months expenses in an interest-bearing 'limited access' account)
you should set up an Excel spreadsheet that shows you how much what you have is likely to grow (safely assume 7% long-term), how much that will be worth in tomorrows pounds or dollars or whatever (assume 3% inflation), and how long you are most likely going to live. Use actuarial tables for this last one, you have no idea if you will live to be 110, die in a plane crash next Tuesday, or succumb to cancer in 10 years. Your insurance company, creepily enough, know exactly what's going to happen to you!
Factor out the amount of money (if any) you wish to leave behind, and you can calculate how much you need to have in hand when you retire. Then you should be able to answer your own question!
Good luck!
Here are some American & British resources that might make this easier: |
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Simmy
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When you can retire early, have all your major bills paid off, and have enough left over to spend it as you please(smart spending) then you have saved enough. Until then, keep savin. |
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Andre
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If you are saving your money to the point where it affects your life style than you are saving too much. Saving is a very good idea but remember that you earned that money so don't hesitate to take a vacation to Bahamas or buy something for yourself. |
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OMaha999
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Look at how much you (and your family if you have one)need for future. And what are you current needs. How much you are saving for future Vs. spending for current. Try to balance between these 2. Don't look at the other guy and how much he is saving.
If you want more money, then make it. |
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**** B
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You can never save too much money. |
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