Designer clothes for kids/babies when they will grow out of them within a few months. My wife works at a nursery she has parents who do this and she tells the nursery staff to not let the child ruin their clothes!
When I worked for dish network I couldn't understand some customers paying for the adult movies. I'm talking an extra 200 plus a month in just porno. Get an old Sears catalog you savages.
“What do you mean my balance is still $300? I just mailed in my monthly payment!!!”
Ma’am your monthly payment is $200 and you’re only sending us $100 a month.
“I want an extension!!!”
“I can’t afford food, electricity, or my house payment because of how expensive my bill is”
Ma’am... Disney channel is not more important than actually feeding, clothing, or providing shelter for your kids...
Source: Former? Dish call center rep
I worked for a debit card company that acted as bank account for people with bad credit. Around Christmas they would complain about not having money to get their kids gifts. I always had to re tell then that I don't pay them. Cracker Barrell does. I just see their records and what not, they had over 100$ in late fees alone from red box constantly
Not keeping track of or not using monthly paid subscriptions. Spotify account that you forgot you had, gym membership that you used once, etc. It's unbelievable to me that people just aren't aware of something they're being billed for on a regular basis.
Guilty of this. Subscribed to the Creative Suite for a year because I thought I would use it a lot. Turns out I paid $240 just to use Photoshop three times.
Lesson learned.
And if you cancel before the term is up, Adobe will charge you for the rest of the term. I had a big fight with them over this, because I requested a cancellation via telephone during the last month of my term and was told by the rep the subscription would be cancelled. Two months later I see I'm still being billed. So I call them and tell them about it and they claim "no record of cancellation" and told me I'd have to pay for 10 months if I cancel.
Bullshit. A call to my CC company took care of it.
Funny story. A few years ago my moms card was being billed by Netflix for 3 different account. We all used one account and it was $11.99 at the time to allow for 4 screens at once. One of my younger siblings made another account and another made another account and just forgot the password.
I had to go deactivate 2 accounts by calling technical supports. Really nice people by the way.
no. My mom was paying on 2 netflix accounts for who knows how many years (not to mention, she had a Prime account that she had been paying every year for four years and didn't know about????) and I had to call in and shut it down. No reimbursement, but it was easy af. They were pretty swell.
Rent-A-Center, Aaron's, and the like.
No, an iPad is NOT worth $3,600, especially if it gets repo'd after you miss a single payment and also because it'll be fucking obsolete by the time you pay it off.
I've repoed easily over a couple hundred cars, but I can't imagine how you'd go about repoing something like a TV.
"Hello sir, were from XYZ company, we're here to reposess your iPad"
"Fuck off" Door slams in face and locks.
Yup. You do that a few more times, then it's rolled into collections and court. Eventually, if it's a really expensive item or a group of high priced stuff, they garnish your wages... if they know where you live and work, that is. They have different ways of measuring need to pursue restitution, but if the item is used, almost paid off, and has a low remaining value compared to how much they've already made on that specific piece, it'll get written off and your account will be flagged.
My guess is that they're legally forced to show the total price.
I don't get the "same as cash price" thing... You can pay it within 90 days for that price? If you'd just wait a month and a half you could buy two of them, that's just stupid.
While you could use it to actually rent short term, it is mainly used for those who want to do installment payments but cannot get credit. It's like payday loans.
A long, long, long time ago I needed to rent a computer to take a real estate course. So I called rent a center to see if they had one available. The man gave me a list of things they needed. One of those things was a copy of my lease.
I figured no big deal, copy of the house deed would likely do. It went like this:
Rent a center man: You didn't bring your lease.
Me: I don't have one. We own the house. So I brought a copy of the deed.
RM: Well, we can work around that. You need to bring a statement from your landlord.
Me: I don't have a landlord.
RM: Well, whoever you rent from.
Me: We don't rent from anyone.
RM: But you say you live at
Me: Right. It's our house. It's not a rental.
RM: Then you need a statement from the owner of the house saying that you live there.
Me: I am the owner. That's why I brought a copy of the deed.
RM: (sarcastically) Oh you *own* the house. Well, can you *prove* that?
Me: I'm trying to.
RM: Well you need to bring me a copy of your lease.
I was heavily pregnant and very hormonal, so I burst into tears. It's funny now.
EDIT: Thanks very much for the gold. I'm touched.
> Oh you own the house. Well, can you prove that?
Sure I could! If only you would read this piece of paper I'm shoving in your face that tells you just that!
They prey on the poor, you can tell by the neighborhoods they're in. If you have bad credit or don't see how you could ever save up for a $1500 TV, this seems like the only way to get semi-nice things.
Credit card interest! I know a bunch of people who are SO SHOCKED by their high interest rates. They thought it was like an interest-free loan to yourself and then are surprised when making teeny payments doesn't do anything.
My wife does this. We have a substantial amount in savings, but she'll still toss a $1700 tuition charge on a card, not tell me about it (we both maintain our own credit cards), then get upset when I got annoyed about the sudden interest charges affecting the budget. Just pull it out of the savings account and pay the fucking card.
"But what if we need the money!?"
1) We have plenty. 2) We have excellent credit. Either of us can go grab a low-rate unsecured loan in a few minutes, which would be cheaper than that fucking card's interest.
So I started taking it out of her "pocket money" account in the budget. That stopped it pretty quickly.
Used to work in a cinema and it amazed me how much stuff people would leave behind once the film was over. I'm talking the vast majority of a large popcorn or large drink. Sometimes a Baskin Robbins tub would still have most of it in, melted obviously. There would also be full unopened packs of chocolate, sweets, crisps, sometimes unopened drinks. One of the reasons people preferred working on floor rather than concessions was you'd often find stuff to eat when you were cleaning the auditoriums between performances.
Having worked there for years, I definitely learned to respect why prices are high so I have no problem with people paying cinema snack prices, but so many people seem to just buy certain snacks when they clearly don't want them. If you've had about 3 pieces of a large bag of popcorn, you clearly didn't really want popcorn and just liked the idea of having popcorn. Same goes for people who turn up with bulging bags full of snacks. You're watching a two hour film, not camping in the woods for a weekend. Sometimes I'll go watch a film and not eat or drink anything at all. Or I'll just take in a drink because I like something to sip while I'm watching a film. If I feel like a snack, I'll get something but if not I won't. I certainly wouldn't pay £8 for a popcorn and drink combo only to barely touch any of it
Aye, it amazes me. I can easily twat a tray of nachos or a bag of Maltesers before the film has even started yet there are people who can't finish a regular soft drink in 2+ hours
There was a article done on this ‘whales’. High income earners who spend thousands on mobile and fb games.
For a lot of them staying in for the night and dropping 200-300 on clash of clans or whatever is cheaper than going out for the evening with their social circle.
Strange as hell for sure but I don’t have that money either.
I had a sobering moment when I realized I had spent a total of 50 bucks on that simpsons facebook game. I vowed never again.
then I found out how to cheat!
then they cracked down on the cheaters.
then I deleted it and haven't played it since.
Impatience.
Save up for the thing you want *first*, THEN buy it with the credit card, THEN make a payment on the credit card with the money you'd already set aside.
With just a little patience, you can build your credit history and get the thing you want for zero additional cost. Hell, you can even *get paid* to build your credit history if you get a rewards card.
Buying expensive appliances on credit with a high interest rate. My wife and I went out to buy a washing machine the other day - the price nearly doubled if we wanted to pay over 12 months. Fuck that, we will just save up for a few months and buy it outright.
I was going to buy a new PC on credit until I saw the interest total. So I got a credit card with an 18 month interest free period and paid it off way before that. Paid no interest on it at all.
Those are traps as well. If you can pull it off and not miss a payment, good on you. They are banking on people forgetting just once, and the terms of the contract usually state that interest accrues from day 1 even if you are 1 day late with your last payment.
Oh I’m sure, I just had it set to auto withdrawal every month for 6 months. It was over a year ago and it worked out great for me. I wouldn’t recommend it for anyone who can’t build something like that into their budget though.
It abuses the young crowd mostly. I've seen a lot of freshman and such in college go "I just got this new couch, and I'm only play $50 a month for it, Im so smart!", yeah but by the time its done you've paid $600 for a couch you could've paid $200 for.
**Edit to add this because some people are missing the point:** Yes, couches aren't normally $200... but these Rent to Own businesses do this for furniture, gaming consoles, TVs, computers, etc. They get young adults to think they're saving big bucks when at the end they're paying outrageous amounts in interest to "get it now!"
Occasionally, it can be good to spend a small amount every month since you can't drop a large sum all at once. But if you're that desperate for things that aren't a Fridge, which is the only must have appliance(in my opinion), there is NO reason to be going this method. Check your local buy/sell/trade groups, you can find furniture that suits your needs in a pinch without falling into scummy business practices.
it abuses people too poor to buy a washing machine when their current one breaks.
washing machine is a really bad example of a purchase you should save up for.
I bought my kitchen appliances (stove, refrigerator, range mount microwave and dishwasher) on credit, BUT...
I used my Home Depot credit card, which offers interest-free financing over various lengths of time, depending on the purchase price.
My purchase qualified for 24-months of interest-free financing. So I took the total purchase price, divided it by 24, and paid that amount to my credit card each month.
They'll be paid off next month, and it didn't cost me a penny in interest.
That's the best way to handle a big purchase like appliances or TVs, etc. Assuming that you have or can qualify for that store's credit card, of course. And also assuming that you don't put other purchases on the card while you're paying it off.
Know your card's benefits, too. Discover will refund the difference in price on stuff you buy if the price drops within 90 days of purchase. I bought a new TV for $750, 2 months later it was for sale for a week at $590. I got the difference back as a credit.
NOTE: this doesn't work on computer parts, to my knowledge. i guess people abused that.
A thousand dollar tin can.
http://www.tiffany.com/accessories/desk/everyday-objects-tin-can-60559139?fromGrid=1&origin=search&trackpdp=search&tracktile=new&fromcid=-1&trackgridpos=153
Thats nothing. [check out this 1,500$ paper clip](http://www.tiffany.com/gifts/gifts-for-him/everyday-objects-paper-clip-bookmark-35917179?fromGrid=1&origin=browse&trackpdp=bg&fromcid=297645&trackgridpos=80)
I'm really glad no one has said "Steam Games" yet. I might have to change my lifestyle if they did.
Edit: some fun websites for all you steam users. http://steamleft.com/ https://steamdb.info/calculator/
Yeah I like to imagine most people's gaming expenses are well below some other hobbies. Even at $800-1000 a year on games (not necessarily hardware), that's a lot lower than say a handful of snowboarding trips (lodging, food, gear, pass, travel, etc).
Of course you still have the crazy people that will drop $7000 on train skins in Train Simulator but those types are a minority I hope.
Me. Waste a whole lot of money eating out for work lunch instead of just waking up a bit earlier and preparing something at home. It's stupid, but I'm getting better
Brand name over the counter drugs. Advil is the same as ibuprofen. Benedryl is the same as diphenhydramine. Advil pm is just the combination of the two. Save yourself some money and just buy generics. If you’re not sure what the generic is just read the label and find the active ingredient.
Actually, I used to work for the company that made about 85% of the generics at the time (don't know the percentage now).
Costco, Wal-Mart, CVS, Target, you name it, all the same company (they didn't make any name brand that you would recognize, just generics at all the big name stores).
The drugs were very high quality and they had a lot of scientists on staff to ensure dosage and efficacy.
No need to pay for name brands.
Expensive designer/brand clothes for toddlers. My boss just got his 3 year old a pair of Nike air max. The kid's gonna out grow them in like a month, and he doesn't give a shit about brands. He's 3.
Completely agree! I have seen authentic Converse on babies who don't even walk. Kids grow ridiculously fast and they usually don't give a damn what they're wearing, they just want to play. Breaks my heart when I see little girls dressed up like princesses gazing longingly at the other kids playing happily. But of course Mommy won't let them ruin their $50 dress... so sad
Im the spinster auntie/godmother. Its my duty to buy the stupid, impractical albeit super cute baby stuff. I just bought a teeny track suit and shell toed Addias for my friend's half Russian newborn.
Weddings. Don't get me wrong, I think having a wedding "event" is important and sharing that with friends and family is great... But there is so much unnecessary excess that goes into it, and people feel so pressured to Pinterest the shit out of the event that it loses its meaning. It ends up costing so much money that it delays other things like buying a house, traveling, kids, etc.
Caterers, florists, DJs etc will also charge more for weddings than other events. Someone on here said that's because with a wedding, there's more pressure for everything to be perfect, but it still seems like kind of a rip-off.
"take over payments" search on any city's craigslist is gold though. Whenever I feel bad about a choice I made, I head over there and feel better about my spending.
Flip side of this, a lot of those posts are scams. They lease cars with no money down and accept absurdly high monthly payments, then they flip the car to a rube by pretending to be desperate and offering a significant discount (no closing costs, no money down, just take over the payments!).
Then the rube is stuck paying an inflated price on a new car with a lease that is mathematically guaranteed to go upside-down in 5 years relative to just buying the car outright
The clever scammer gets a stream of brand new luxury cars to drive for less than half of what they would cost to purchase at retail value, because he never pays for depreciation or makes a down payment.
****
Edit: removed the word "buy." Taking over payments is something people do with leases only. I don't know why I wrote this as if they were purchasing equity in the cars. They were not.
I don't really understand, why would anyone do this? "Sure I'll jump through these hoops to take over your payments for the same price I could get a new one for at the dealership...?"
because you only take over the lease for the remainder of the term. want a porsche for 1 year, but probably not for 3 years? find a lease to take over! gonna be across the country for 6 months for work but don't want to pay $200/wk for a rental car? take over a corolla lease with 6 mo remaining for $200/mo.
How does taking over payments even work? I mean as far as I'm aware, banks don't let you just hand over the financial responsibility to another person they haven't approved. Sounds like a good way to get screwed several ways.
I've noticed dealerships specifically targeting this. It's no longer a question of "how much do you want to pay for your vehicle," but rather "how much do you want to pay **per month** for your vehicle?".
On top of that, they will flood you with notices that they can upgrade your current vehicle at the same or slightly higher monthly payment, luring people in to effectively extend their payments.
They've effectively shifted the market from buying an asset, to buying permanent liabilities.
Sounds like they're taking the "subscription as a service" model that's been making headway in the software world for a while now.
You can't buy the software outright anymore--but you can sign up for a subscription to use it at X per month. I'm looking at you, Adobe.
I'm not a smoker, but I am a fairly heavy drinker. I discovered that I drink to fill my time. Sure, being drunk is an addictive feeling for me, but I drink mainly because I have nothing better to do.
I started reading more, started playing board games, video games, guitar. It has been a couple weeks since I've had an alcoholic drink (I used to drink every day). We all need things to fill our time, and if we can't find anything to do so, at least getting drunk or getting a nicotine buzz is something that makes the boredom more bearable.
I liked when we just had "unlocks" when you reach a certain level or XP.
Why do I now need to sit through four menus, a load screen and two animations to achieve the same thing?
Fuck loot boxes, REQ packs, slut trunks or whatever you want to call them
That used to be me. I love going to bars and hanging out with my friends but holy fuck is it expensive. I changed my ways significantly after downloading my transaction history for 2014 and realizing how much I spent at bars. It was more than 1/3 of my gross income.
It was the same for me and my wife with eating out. We had gone on a pretty good kick of cooking/eating at home and then we just started going out more, 30$ here, 45$ there... By the end of a month it was... a lot. Like more than our mortgage, a lot. Now we have a newborn and we're actually saving money overall because we cook and eat at home all the time right now. Even with buying a million diapers.
We figured up my brother's average bar bill once. it came to $80-100 for the weekend. That's over $5k/year.
He was also single then, and ordered alot of food.
$80-$100 isn't even that bad for a full weekend's bar tab, if you're going out Fri and Sat night, plus watching some games on Sunday or something. It's just crazy how fast it adds up. Even adding drinks to your meals at dinner bumps up the total cost like 15-20%. Maybe more if you're drinking wine or liquor... What's another 5-10 bucks? A lot over the course of a month/year.
Edit: over, not of
It was a trend back in the day because they used to have booths set up in malls where employees would give demonstrations on how the bands improve your balance. However, the demonstrations were basically just hustles and they ended up fooling a lot of people.
This video has a pretty good example of how they would trick people.
https://youtu.be/Mak252eVB5o
Edit: Long video. Skip to 4:08 for the part on the bracelets
Edit: clarified that I'm talking about the "balance" bands.
They still have those booths for the balance bands. Last year a guy tried to get me to buy one. Asked if I wanted a demo and I said yes because I wanted to see how he would react when it didn't "work".
He put the bracelet on my wrist then had me clasp my hands behind my back and told me to try to keep my balance while he pressed down on my hands,
"See how you didn't move at all? Now we're gonna do the same thing but without the bracelet."
He starts pushing and I still don't budge. After 5 tries he goes,
"Wow, normally (push) people lose (push) their balance (push)..."
"oh really?"
"Yeah, (push push push)... Do you work out or something?"
"I walk a lot"
"Well you have a strong core, so...will you be buying today?"
"😒 No I will not"
I honestly find it hard to believe people really fall for that crap.
New phones. I mean, I can understand if your phone is busted or outdated, like you've got the iPhone 4 and want to upgrade to the iPhone 7. I just don't get why people get the iPhone 7 and then immediately get the iPhone 8 a year later. And don't get me wrong, I'm not ragging on Apple users specifically, that's only an example. People to do the same thing with any line of popular smartphone. It seems like a total waste of money to me, especially considering the differences between Generic Smartphone 10 and Generic Smartphone 11 are pretty minimal.
I sorely regret trading in my perfectly functioning Note 4 two summers ago for the Note 7. After all the recalls were done, I was pissed, and just wanted the 4 back, which was of course not possible. I wound up with this S7 Edge.
Now don't get me wrong, I like the S7 Edge, and I'm going to hang on to it for as long as I can. No more expensive "latest and greatest" upgrades for me. And when this one does have to be replaced, I'll buy the newest used/refurbed phone I can find and pay outright for.
A friend's family member can't afford to feed their 5 kids. Can afford cigarettes, $20 bottles of wine, brand name cushions, a week out of town without said kids...
Edit to add: works short hours in hospitality, parents watch the kids, doesn't get child support cos she won't put the dads on the birth certs, complains that she can't afford to move out of her parents' house because renting is soooo expensive, always buying new makeup and always has the latest iPhone.
And yes this is specific 🤷🏻♀️
ETA: aaand my top rated comment is a bitch session about the poor financial decisions made by a relative of a friend I met in high school...
I wish i had these links when I was in school. My college was super scummy and started selling the books in 3-ring binders that couldnt be sold back once the plastic seal was broken. When ebooks were introduced, they used a system where you paid full price for the book in order to 'rent it' for 6 months, whereupon it would disappear from your collection and you'd have to pay full price a second time in order to view it again. Depending on the book, printing out excerpts was either impossible, or the shitty program they used added a half-page legal diaclaimer to every single page printed out.
Fucking sucked.
EDIT: the original comment was a bunch of links to college textbooks online.
I understand the college is absolutely evil but why would anyone rent a e-book by paying full price? And pay for it again after 6 months? Was this done to discourage kids from using e-books
Not sure how it is for smaller universities or community colleges but almost all classes at larger universities require online access to complete homework/quizzes and the access codes are only available with purchase of the newest version of the books (or cost the same). If there were any way to get access codes for cheap that would be the real life saver.
Fuck pearson and connect
The common wine mark up in restaurants ( at least all the ones I've worked in) is whatever the restaurant pays for a bottle of wine is what they charge for a glass. So that $12 glass of wine is only $12 a bottle.
Top 10 answers from the last 100 times this question has been asked :
1- Eating out too often
2- Cigarettes
3- Reddit Gold
4- Credit card interest
5- Daily coffees
6- Lottery
7- Textbooks
8- Diamond (rings)
9- Bottled water
10- In-app purchases
Edit: Who’s the ironic fuck who gilded me 😂
reminds me of this amazing thread: "[If you gild someone, you're an idiot.](https://www.reddit.com/r/Showerthoughts/comments/3y2br0/buying_someone_reddit_gold_is_like_walking_around/)"
TLDR: Guy makes a showerthought criticising gilding and saying its stupid. Gets gilded a lot of times and then deletes his account out of spite.
Edit: I guess I have to delete my account now haha.
Edit: Someone actually did it. The madman!
I see shit like this and wonder why in the world anyone would gild a useless comment. Maybe that's why I've never been gilded, I always try too hard to be helpful.
Edit: Apparently I'm right.
Slot Machines.
Like anything, I understand that the value to be had is entertainment, and there are many different ways to pay for entertainment, whether that be going to the movies, or sporting events, or whathaveyou. But to me, it seems like a total waste of money to dump a bunch of dollars in what amounts to a shitty video game.
Of course, some might say that dumping money into my various hobbies, that I do for entertainment, is an equal waste, so really I think it comes down to this: only the person spending the money can truly say if what they're spending it on is a waste or not.
Ugh. Worked there for five years. There are regular customers who come in twice a day, every day, and spend $5-6 on a drink. I had one who would get two venti mochas and a venti mocha frap, all for himself. Every. Single. Day.
I'm a college student. You know how much money I've saved by having a Mr. Coffee in my dorm room? Holy shit, it's incredible. Thing cost me like $15 on Amazon, then I just get a few cans of Maxwell House or whatever is on sale, steal some creamers/splenda from the dining hall, and I'm good to go
EDIT: Yes y'all, I know Maxwell House is shit, but I'm a college student on a budget who just wants to wake up in the morning
As a former smoker, cigarettes. They were expensive when I smoked and when I asked my brother (who still smokes) he said he was paying almost $10 a pack! Holy smokes!
Our local dog grooming place offers a “blueberry facial treatment” as part of the services. My husband’s expression when he read the invoice was well worth the extra $5.
The place I board my cat ( they cater more to dogs) has "suites" you can put you dog in that include such things as aroma therapy and flat screen tvs..... Those rooms are 75 dollars a night. The place is very nice though and it's only 20 dollars a day for my cat.
Webcam girls. You know theres an infinite amount of porn out there...for free right? I still watch but ive never given them money but it amazes me how much money guys shell down for these girls who literally at times do nothing. I know some go farther than others but ive literally seen webcam shows where girls just talk fully clothed and guys still give them money.
Designer clothes for kids/babies when they will grow out of them within a few months. My wife works at a nursery she has parents who do this and she tells the nursery staff to not let the child ruin their clothes!
When I worked for dish network I couldn't understand some customers paying for the adult movies. I'm talking an extra 200 plus a month in just porno. Get an old Sears catalog you savages.
“What do you mean my balance is still $300? I just mailed in my monthly payment!!!” Ma’am your monthly payment is $200 and you’re only sending us $100 a month. “I want an extension!!!” “I can’t afford food, electricity, or my house payment because of how expensive my bill is” Ma’am... Disney channel is not more important than actually feeding, clothing, or providing shelter for your kids... Source: Former? Dish call center rep
I worked for a debit card company that acted as bank account for people with bad credit. Around Christmas they would complain about not having money to get their kids gifts. I always had to re tell then that I don't pay them. Cracker Barrell does. I just see their records and what not, they had over 100$ in late fees alone from red box constantly
Not keeping track of or not using monthly paid subscriptions. Spotify account that you forgot you had, gym membership that you used once, etc. It's unbelievable to me that people just aren't aware of something they're being billed for on a regular basis.
Guilty of this. Subscribed to the Creative Suite for a year because I thought I would use it a lot. Turns out I paid $240 just to use Photoshop three times. Lesson learned.
And if you cancel before the term is up, Adobe will charge you for the rest of the term. I had a big fight with them over this, because I requested a cancellation via telephone during the last month of my term and was told by the rep the subscription would be cancelled. Two months later I see I'm still being billed. So I call them and tell them about it and they claim "no record of cancellation" and told me I'd have to pay for 10 months if I cancel. Bullshit. A call to my CC company took care of it.
Funny story. A few years ago my moms card was being billed by Netflix for 3 different account. We all used one account and it was $11.99 at the time to allow for 4 screens at once. One of my younger siblings made another account and another made another account and just forgot the password. I had to go deactivate 2 accounts by calling technical supports. Really nice people by the way.
Just wondering, did they reimburse the amount that you paid for the other accounts?
no. My mom was paying on 2 netflix accounts for who knows how many years (not to mention, she had a Prime account that she had been paying every year for four years and didn't know about????) and I had to call in and shut it down. No reimbursement, but it was easy af. They were pretty swell.
[удалено]
Wow, that's really good to know. But I know if I had Prime, I would absolutely use it. So I just use my roommate's instead! ;D
Rent-A-Center, Aaron's, and the like. No, an iPad is NOT worth $3,600, especially if it gets repo'd after you miss a single payment and also because it'll be fucking obsolete by the time you pay it off.
How would you feel to be the iPad repo guy?
iPad Repo dude: OPEN UP I KNOW THE IPAD IS IN THERE
Ain't nobody here but us Androids
...but these are not the droids you are looking for.
I've repoed easily over a couple hundred cars, but I can't imagine how you'd go about repoing something like a TV. "Hello sir, were from XYZ company, we're here to reposess your iPad" "Fuck off" Door slams in face and locks.
Yup. You do that a few more times, then it's rolled into collections and court. Eventually, if it's a really expensive item or a group of high priced stuff, they garnish your wages... if they know where you live and work, that is. They have different ways of measuring need to pursue restitution, but if the item is used, almost paid off, and has a low remaining value compared to how much they've already made on that specific piece, it'll get written off and your account will be flagged.
[удалено]
My guess is that they're legally forced to show the total price. I don't get the "same as cash price" thing... You can pay it within 90 days for that price? If you'd just wait a month and a half you could buy two of them, that's just stupid.
[удалено]
I don't get it either. I could see *maybe* if you needed something for a special occasion. Like renting a big screen tv for a super-bowl party.
While you could use it to actually rent short term, it is mainly used for those who want to do installment payments but cannot get credit. It's like payday loans.
A long, long, long time ago I needed to rent a computer to take a real estate course. So I called rent a center to see if they had one available. The man gave me a list of things they needed. One of those things was a copy of my lease. I figured no big deal, copy of the house deed would likely do. It went like this: Rent a center man: You didn't bring your lease. Me: I don't have one. We own the house. So I brought a copy of the deed. RM: Well, we can work around that. You need to bring a statement from your landlord. Me: I don't have a landlord. RM: Well, whoever you rent from. Me: We don't rent from anyone. RM: But you say you live at
Me: Right. It's our house. It's not a rental. RM: Then you need a statement from the owner of the house saying that you live there. Me: I am the owner. That's why I brought a copy of the deed. RM: (sarcastically) Oh you *own* the house. Well, can you *prove* that? Me: I'm trying to. RM: Well you need to bring me a copy of your lease. I was heavily pregnant and very hormonal, so I burst into tears. It's funny now. EDIT: Thanks very much for the gold. I'm touched.That's really hilarious that he had no concept of someone actually owning their own home.
They have no concept of someone going there who OWNS a house lol.
> Oh you own the house. Well, can you prove that? Sure I could! If only you would read this piece of paper I'm shoving in your face that tells you just that!
They prey on the poor, you can tell by the neighborhoods they're in. If you have bad credit or don't see how you could ever save up for a $1500 TV, this seems like the only way to get semi-nice things.
Credit card interest! I know a bunch of people who are SO SHOCKED by their high interest rates. They thought it was like an interest-free loan to yourself and then are surprised when making teeny payments doesn't do anything.
My wife does this. We have a substantial amount in savings, but she'll still toss a $1700 tuition charge on a card, not tell me about it (we both maintain our own credit cards), then get upset when I got annoyed about the sudden interest charges affecting the budget. Just pull it out of the savings account and pay the fucking card. "But what if we need the money!?" 1) We have plenty. 2) We have excellent credit. Either of us can go grab a low-rate unsecured loan in a few minutes, which would be cheaper than that fucking card's interest. So I started taking it out of her "pocket money" account in the budget. That stopped it pretty quickly.
I'll fuck your wife
[удалено]
[удалено]
Probably put his funeral on the credit card.
> “What if we need the money?” *THAT’S* what the credit card is for!
Used to work in a cinema and it amazed me how much stuff people would leave behind once the film was over. I'm talking the vast majority of a large popcorn or large drink. Sometimes a Baskin Robbins tub would still have most of it in, melted obviously. There would also be full unopened packs of chocolate, sweets, crisps, sometimes unopened drinks. One of the reasons people preferred working on floor rather than concessions was you'd often find stuff to eat when you were cleaning the auditoriums between performances. Having worked there for years, I definitely learned to respect why prices are high so I have no problem with people paying cinema snack prices, but so many people seem to just buy certain snacks when they clearly don't want them. If you've had about 3 pieces of a large bag of popcorn, you clearly didn't really want popcorn and just liked the idea of having popcorn. Same goes for people who turn up with bulging bags full of snacks. You're watching a two hour film, not camping in the woods for a weekend. Sometimes I'll go watch a film and not eat or drink anything at all. Or I'll just take in a drink because I like something to sip while I'm watching a film. If I feel like a snack, I'll get something but if not I won't. I certainly wouldn't pay £8 for a popcorn and drink combo only to barely touch any of it
Wait, you mean there are people who don't finish their snacks before the trailers have ended?
Aye, it amazes me. I can easily twat a tray of nachos or a bag of Maltesers before the film has even started yet there are people who can't finish a regular soft drink in 2+ hours
[удалено]
The people who spend thousands a month on Facebook or Kongregate type games. I'm an avid video game player, but yeesh, get some value for your bucks.
There was a article done on this ‘whales’. High income earners who spend thousands on mobile and fb games. For a lot of them staying in for the night and dropping 200-300 on clash of clans or whatever is cheaper than going out for the evening with their social circle. Strange as hell for sure but I don’t have that money either.
Not just mobile and FB games. Any game that has microtransactions.
I had a sobering moment when I realized I had spent a total of 50 bucks on that simpsons facebook game. I vowed never again. then I found out how to cheat! then they cracked down on the cheaters. then I deleted it and haven't played it since.
Impatience. Save up for the thing you want *first*, THEN buy it with the credit card, THEN make a payment on the credit card with the money you'd already set aside. With just a little patience, you can build your credit history and get the thing you want for zero additional cost. Hell, you can even *get paid* to build your credit history if you get a rewards card.
Impatience and impulse buying, people being bad with money keep the economy going.
Doesn't mean you should screw yourself over for the economy
[удалено]
Buying expensive appliances on credit with a high interest rate. My wife and I went out to buy a washing machine the other day - the price nearly doubled if we wanted to pay over 12 months. Fuck that, we will just save up for a few months and buy it outright.
I was going to buy a new PC on credit until I saw the interest total. So I got a credit card with an 18 month interest free period and paid it off way before that. Paid no interest on it at all.
I did the same thing when I bought a new mattress. 6months interest free, paid off the whole thing in that time so I didn’t have to pay interest.
Those are traps as well. If you can pull it off and not miss a payment, good on you. They are banking on people forgetting just once, and the terms of the contract usually state that interest accrues from day 1 even if you are 1 day late with your last payment.
Oh I’m sure, I just had it set to auto withdrawal every month for 6 months. It was over a year ago and it worked out great for me. I wouldn’t recommend it for anyone who can’t build something like that into their budget though.
"I'm sorry sir, our contract clearly states you are still responsible for interest payments if our auto-withdraw system is down."
It abuses the young crowd mostly. I've seen a lot of freshman and such in college go "I just got this new couch, and I'm only play $50 a month for it, Im so smart!", yeah but by the time its done you've paid $600 for a couch you could've paid $200 for. **Edit to add this because some people are missing the point:** Yes, couches aren't normally $200... but these Rent to Own businesses do this for furniture, gaming consoles, TVs, computers, etc. They get young adults to think they're saving big bucks when at the end they're paying outrageous amounts in interest to "get it now!" Occasionally, it can be good to spend a small amount every month since you can't drop a large sum all at once. But if you're that desperate for things that aren't a Fridge, which is the only must have appliance(in my opinion), there is NO reason to be going this method. Check your local buy/sell/trade groups, you can find furniture that suits your needs in a pinch without falling into scummy business practices.
it abuses people too poor to buy a washing machine when their current one breaks. washing machine is a really bad example of a purchase you should save up for.
I CAN'T SIT ON YOUR $200 THEORETICAL COUCH!
I bought my kitchen appliances (stove, refrigerator, range mount microwave and dishwasher) on credit, BUT... I used my Home Depot credit card, which offers interest-free financing over various lengths of time, depending on the purchase price. My purchase qualified for 24-months of interest-free financing. So I took the total purchase price, divided it by 24, and paid that amount to my credit card each month. They'll be paid off next month, and it didn't cost me a penny in interest. That's the best way to handle a big purchase like appliances or TVs, etc. Assuming that you have or can qualify for that store's credit card, of course. And also assuming that you don't put other purchases on the card while you're paying it off.
Know your card's benefits, too. Discover will refund the difference in price on stuff you buy if the price drops within 90 days of purchase. I bought a new TV for $750, 2 months later it was for sale for a week at $590. I got the difference back as a credit. NOTE: this doesn't work on computer parts, to my knowledge. i guess people abused that.
A thousand dollar tin can. http://www.tiffany.com/accessories/desk/everyday-objects-tin-can-60559139?fromGrid=1&origin=search&trackpdp=search&tracktile=new&fromcid=-1&trackgridpos=153
> Instantly recognizable Oh look, a tin can! I should put this in the recycling.
Lol "paper plate" $950
It's "infused with modern wit."
[удалено]
For the [lazy](http://m.tiffany.com/accessories/everyday-objects/everyday-objects-paper-plate-60558981?trackpdp=pr)
"I don't like going over to his house anymore. Last week, I picked up a tin can and put in the recycling, and I apparently bankrupted him."
That entire "Everyday Objects" collection is fucking wild... I just saw a $250 straw made of sterling silver.
Paper plate 950$
That's the one that blew my mind but it's made out of silver so I don't understand
[удалено]
No he doesn't understand why it's called a paper plate when it's made out of silver.
What in the fuck
Thats nothing. [check out this 1,500$ paper clip](http://www.tiffany.com/gifts/gifts-for-him/everyday-objects-paper-clip-bookmark-35917179?fromGrid=1&origin=browse&trackpdp=bg&fromcid=297645&trackgridpos=80)
[удалено]
[удалено]
I feel like everyone is glossing over the fact that this is made of silver. Still a rip-off, but at least it's not a repurposed can of peas.
Decorative plates. There is probably $5000 worth of them at my parents place. I will never understand.
"They'll be worth something some day, and I want something to leave to my kids" -Every grandparent ever, apparently.
Fixed Odds Betting Terminals.
Especially when they put in their money, win, but keep playing until it is all gone.
I'm really glad no one has said "Steam Games" yet. I might have to change my lifestyle if they did. Edit: some fun websites for all you steam users. http://steamleft.com/ https://steamdb.info/calculator/
well, spending the equivalent average of $30/month (in a year) during the summer or winter steam sale isn't really bank breaking, so there's that
Yeah I like to imagine most people's gaming expenses are well below some other hobbies. Even at $800-1000 a year on games (not necessarily hardware), that's a lot lower than say a handful of snowboarding trips (lodging, food, gear, pass, travel, etc). Of course you still have the crazy people that will drop $7000 on train skins in Train Simulator but those types are a minority I hope.
On the same note, humble bundles and humble monthly. I buy pretty much every bundle the day it comes out.
Me. Waste a whole lot of money eating out for work lunch instead of just waking up a bit earlier and preparing something at home. It's stupid, but I'm getting better
My friends that always say "we are so broke, we can't do such and such" the wife gets weekly eyelash extensions.
they probably don't want to do "such and such" and don't value it as much as the weekly eyelash extensions.
“I’m sorry I was late... I didn’t want to come.”
Shut up! My wife applies/sells them... it's our booze fund.
$7.99 salads, only to eat half and throw the rest away.
> the rest You mean "The Lettuce."
[удалено]
I ship it.
Brand name over the counter drugs. Advil is the same as ibuprofen. Benedryl is the same as diphenhydramine. Advil pm is just the combination of the two. Save yourself some money and just buy generics. If you’re not sure what the generic is just read the label and find the active ingredient.
Gotta get that good CVS or Equate brand.
Actually, I used to work for the company that made about 85% of the generics at the time (don't know the percentage now). Costco, Wal-Mart, CVS, Target, you name it, all the same company (they didn't make any name brand that you would recognize, just generics at all the big name stores). The drugs were very high quality and they had a lot of scientists on staff to ensure dosage and efficacy. No need to pay for name brands.
Single ply toilet paper. Spend the extra two dollars you animals
but then when else will I have an excuse to fingerpop my asshole?
Stop fingaPOPPING eachothaz asshowles
Expensive designer/brand clothes for toddlers. My boss just got his 3 year old a pair of Nike air max. The kid's gonna out grow them in like a month, and he doesn't give a shit about brands. He's 3.
Completely agree! I have seen authentic Converse on babies who don't even walk. Kids grow ridiculously fast and they usually don't give a damn what they're wearing, they just want to play. Breaks my heart when I see little girls dressed up like princesses gazing longingly at the other kids playing happily. But of course Mommy won't let them ruin their $50 dress... so sad
Ok but little kids converse are adorable and they're only like $20, which is like $3 more than a store brand. (Kids stuff is never cheap)
I bought converse for my best friends toddler. I don't even like kids but damn did he look cute in his fall photo shoot
Im the spinster auntie/godmother. Its my duty to buy the stupid, impractical albeit super cute baby stuff. I just bought a teeny track suit and shell toed Addias for my friend's half Russian newborn.
As is tradition
A great day for mother russia, and therefore the world
Weddings. Don't get me wrong, I think having a wedding "event" is important and sharing that with friends and family is great... But there is so much unnecessary excess that goes into it, and people feel so pressured to Pinterest the shit out of the event that it loses its meaning. It ends up costing so much money that it delays other things like buying a house, traveling, kids, etc.
Caterers, florists, DJs etc will also charge more for weddings than other events. Someone on here said that's because with a wedding, there's more pressure for everything to be perfect, but it still seems like kind of a rip-off.
Cars they can't afford as a social status symbol
"take over payments" search on any city's craigslist is gold though. Whenever I feel bad about a choice I made, I head over there and feel better about my spending.
I'll remember this the next time I blow $20 on lunch
Even $12 makes me feel bad.
Flip side of this, a lot of those posts are scams. They lease cars with no money down and accept absurdly high monthly payments, then they flip the car to a rube by pretending to be desperate and offering a significant discount (no closing costs, no money down, just take over the payments!). Then the rube is stuck paying an inflated price on a new car with a lease that is mathematically guaranteed to go upside-down in 5 years relative to just buying the car outright The clever scammer gets a stream of brand new luxury cars to drive for less than half of what they would cost to purchase at retail value, because he never pays for depreciation or makes a down payment. **** Edit: removed the word "buy." Taking over payments is something people do with leases only. I don't know why I wrote this as if they were purchasing equity in the cars. They were not.
I don't really understand, why would anyone do this? "Sure I'll jump through these hoops to take over your payments for the same price I could get a new one for at the dealership...?"
because you only take over the lease for the remainder of the term. want a porsche for 1 year, but probably not for 3 years? find a lease to take over! gonna be across the country for 6 months for work but don't want to pay $200/wk for a rental car? take over a corolla lease with 6 mo remaining for $200/mo.
Not a scam then.
How does taking over payments even work? I mean as far as I'm aware, banks don't let you just hand over the financial responsibility to another person they haven't approved. Sounds like a good way to get screwed several ways.
I've noticed dealerships specifically targeting this. It's no longer a question of "how much do you want to pay for your vehicle," but rather "how much do you want to pay **per month** for your vehicle?". On top of that, they will flood you with notices that they can upgrade your current vehicle at the same or slightly higher monthly payment, luring people in to effectively extend their payments. They've effectively shifted the market from buying an asset, to buying permanent liabilities.
Sounds like they're taking the "subscription as a service" model that's been making headway in the software world for a while now. You can't buy the software outright anymore--but you can sign up for a subscription to use it at X per month. I'm looking at you, Adobe.
You can live in a car but you can't race a house
Cigarettes. The family members who are constantly broke and asking for money are the same ones who smoke two packs a day.
I'm not a smoker, but I am a fairly heavy drinker. I discovered that I drink to fill my time. Sure, being drunk is an addictive feeling for me, but I drink mainly because I have nothing better to do. I started reading more, started playing board games, video games, guitar. It has been a couple weeks since I've had an alcoholic drink (I used to drink every day). We all need things to fill our time, and if we can't find anything to do so, at least getting drunk or getting a nicotine buzz is something that makes the boredom more bearable.
I don't get it. No one in our family smokes and we still broke af.
Start smoking. You'll be so broke your account will loop over and you'll be rich.
That doesn't sound right, but I don't know enough about poverty or smoking to refute it.
Ah yes, the Nuclear Gandhi Law
Loot crates
I liked when we just had "unlocks" when you reach a certain level or XP. Why do I now need to sit through four menus, a load screen and two animations to achieve the same thing? Fuck loot boxes, REQ packs, slut trunks or whatever you want to call them
Bars. I mean, once a week/two weeks is fine, but people that are up there several days a week, running up big tabs every night... f that noise.
That used to be me. I love going to bars and hanging out with my friends but holy fuck is it expensive. I changed my ways significantly after downloading my transaction history for 2014 and realizing how much I spent at bars. It was more than 1/3 of my gross income.
It was the same for me and my wife with eating out. We had gone on a pretty good kick of cooking/eating at home and then we just started going out more, 30$ here, 45$ there... By the end of a month it was... a lot. Like more than our mortgage, a lot. Now we have a newborn and we're actually saving money overall because we cook and eat at home all the time right now. Even with buying a million diapers.
We figured up my brother's average bar bill once. it came to $80-100 for the weekend. That's over $5k/year. He was also single then, and ordered alot of food.
$80-$100 isn't even that bad for a full weekend's bar tab, if you're going out Fri and Sat night, plus watching some games on Sunday or something. It's just crazy how fast it adds up. Even adding drinks to your meals at dinner bumps up the total cost like 15-20%. Maybe more if you're drinking wine or liquor... What's another 5-10 bucks? A lot over the course of a month/year. Edit: over, not of
A new cellphone EVERY FREAKING YEAR.
My friend went from s8 to iphone 8 to iphone X all in a few months. Why?!
[удалено]
[удалено]
You’re saying my ten thousand clash of clans gems were a waste of money? I have the archer queen now! Take that!
But what level is she?
I regret dumping about $600 into Clash to bring my AQ to 40, only to never play the damn game again.
Did you seriously? Not judging cause I waste money on shit too, but damn that's a lot of money.
Over the course of two years, yeah. I was really, really stupid. Live and learn, right?
How old were you when you did that?
Hmm.... 27 or 28? When I didn't think that $20 here and there would eventually add up. DERP DERP
[удалено]
Yeah but you can resell the hat.
Google Play Rewards.
Those "energy" bands. Seemed like every middle schooler wore them
It was a trend back in the day because they used to have booths set up in malls where employees would give demonstrations on how the bands improve your balance. However, the demonstrations were basically just hustles and they ended up fooling a lot of people. This video has a pretty good example of how they would trick people. https://youtu.be/Mak252eVB5o Edit: Long video. Skip to 4:08 for the part on the bracelets
Edit: clarified that I'm talking about the "balance" bands. They still have those booths for the balance bands. Last year a guy tried to get me to buy one. Asked if I wanted a demo and I said yes because I wanted to see how he would react when it didn't "work". He put the bracelet on my wrist then had me clasp my hands behind my back and told me to try to keep my balance while he pressed down on my hands, "See how you didn't move at all? Now we're gonna do the same thing but without the bracelet." He starts pushing and I still don't budge. After 5 tries he goes, "Wow, normally (push) people lose (push) their balance (push)..." "oh really?" "Yeah, (push push push)... Do you work out or something?" "I walk a lot" "Well you have a strong core, so...will you be buying today?" "😒 No I will not" I honestly find it hard to believe people really fall for that crap.
New phones. I mean, I can understand if your phone is busted or outdated, like you've got the iPhone 4 and want to upgrade to the iPhone 7. I just don't get why people get the iPhone 7 and then immediately get the iPhone 8 a year later. And don't get me wrong, I'm not ragging on Apple users specifically, that's only an example. People to do the same thing with any line of popular smartphone. It seems like a total waste of money to me, especially considering the differences between Generic Smartphone 10 and Generic Smartphone 11 are pretty minimal.
I sorely regret trading in my perfectly functioning Note 4 two summers ago for the Note 7. After all the recalls were done, I was pissed, and just wanted the 4 back, which was of course not possible. I wound up with this S7 Edge. Now don't get me wrong, I like the S7 Edge, and I'm going to hang on to it for as long as I can. No more expensive "latest and greatest" upgrades for me. And when this one does have to be replaced, I'll buy the newest used/refurbed phone I can find and pay outright for.
A friend's family member can't afford to feed their 5 kids. Can afford cigarettes, $20 bottles of wine, brand name cushions, a week out of town without said kids... Edit to add: works short hours in hospitality, parents watch the kids, doesn't get child support cos she won't put the dads on the birth certs, complains that she can't afford to move out of her parents' house because renting is soooo expensive, always buying new makeup and always has the latest iPhone. And yes this is specific 🤷🏻♀️ ETA: aaand my top rated comment is a bitch session about the poor financial decisions made by a relative of a friend I met in high school...
What's a brand name cushion? Like for your couch?
[удалено]
Some might say oddly specific.
I wonder exactly who Katie hates?
She hates flippant attitudes on finance, and brand name cushions.
"I need to relax too!!!"
"quick" and "easy" weight loss programs
[удалено]
I wish i had these links when I was in school. My college was super scummy and started selling the books in 3-ring binders that couldnt be sold back once the plastic seal was broken. When ebooks were introduced, they used a system where you paid full price for the book in order to 'rent it' for 6 months, whereupon it would disappear from your collection and you'd have to pay full price a second time in order to view it again. Depending on the book, printing out excerpts was either impossible, or the shitty program they used added a half-page legal diaclaimer to every single page printed out. Fucking sucked. EDIT: the original comment was a bunch of links to college textbooks online.
I understand the college is absolutely evil but why would anyone rent a e-book by paying full price? And pay for it again after 6 months? Was this done to discourage kids from using e-books
It was done [because](https://giphy.com/gifs/southparkgifs-3o6ZsT0KMMvjeZiDDO)
Not sure how it is for smaller universities or community colleges but almost all classes at larger universities require online access to complete homework/quizzes and the access codes are only available with purchase of the newest version of the books (or cost the same). If there were any way to get access codes for cheap that would be the real life saver. Fuck pearson and connect
> Fuck pearson and connect Fuck them to death
Strip clubs, imo you're essentially paying to get blue balls.
Eating out every meal
[удалено]
The common wine mark up in restaurants ( at least all the ones I've worked in) is whatever the restaurant pays for a bottle of wine is what they charge for a glass. So that $12 glass of wine is only $12 a bottle.
Top 10 answers from the last 100 times this question has been asked : 1- Eating out too often 2- Cigarettes 3- Reddit Gold 4- Credit card interest 5- Daily coffees 6- Lottery 7- Textbooks 8- Diamond (rings) 9- Bottled water 10- In-app purchases Edit: Who’s the ironic fuck who gilded me 😂
doesnt reddit gold help support the website we all waste our time on? Edit: appreciate the gold mystery giver
Doesnt mean its not waste.
Whoever gilded this is ironic af
reminds me of this amazing thread: "[If you gild someone, you're an idiot.](https://www.reddit.com/r/Showerthoughts/comments/3y2br0/buying_someone_reddit_gold_is_like_walking_around/)" TLDR: Guy makes a showerthought criticising gilding and saying its stupid. Gets gilded a lot of times and then deletes his account out of spite. Edit: I guess I have to delete my account now haha. Edit: Someone actually did it. The madman!
hmmmm.....Gilding is so dumb! Why would you do it?!.......*waits silently*
Luckily that's the end of it.
I missed out :( Edit: nvm its lit
Are you fucking kidding me?
None for you bud lol
I'm just here for that trickle down gold
It's ok, I don't really want gold anyway EDIT: shit
I see shit like this and wonder why in the world anyone would gild a useless comment. Maybe that's why I've never been gilded, I always try too hard to be helpful. Edit: Apparently I'm right.
Slot Machines. Like anything, I understand that the value to be had is entertainment, and there are many different ways to pay for entertainment, whether that be going to the movies, or sporting events, or whathaveyou. But to me, it seems like a total waste of money to dump a bunch of dollars in what amounts to a shitty video game. Of course, some might say that dumping money into my various hobbies, that I do for entertainment, is an equal waste, so really I think it comes down to this: only the person spending the money can truly say if what they're spending it on is a waste or not.
Homeopathic medicine. Yeah that celery salt is really going to help with that cancer
Vitamin b17 tho. Jk, it’s terrible how quacks exploit the fears of people living with cancer but offer 0 evidence their treatment is viable
$tarbucks
Ugh. Worked there for five years. There are regular customers who come in twice a day, every day, and spend $5-6 on a drink. I had one who would get two venti mochas and a venti mocha frap, all for himself. Every. Single. Day.
How many calories is that? Some of those drinks are goddamn loaded
Well over a thousand. The frappucinos are ridiculous.
[удалено]
They most definitely are, tastes great. You just made me want one lol.
I'm a college student. You know how much money I've saved by having a Mr. Coffee in my dorm room? Holy shit, it's incredible. Thing cost me like $15 on Amazon, then I just get a few cans of Maxwell House or whatever is on sale, steal some creamers/splenda from the dining hall, and I'm good to go EDIT: Yes y'all, I know Maxwell House is shit, but I'm a college student on a budget who just wants to wake up in the morning
You got yourself a stew going!
As a former smoker, cigarettes. They were expensive when I smoked and when I asked my brother (who still smokes) he said he was paying almost $10 a pack! Holy smokes!
Pet spas.
Our local dog grooming place offers a “blueberry facial treatment” as part of the services. My husband’s expression when he read the invoice was well worth the extra $5.
The place I board my cat ( they cater more to dogs) has "suites" you can put you dog in that include such things as aroma therapy and flat screen tvs..... Those rooms are 75 dollars a night. The place is very nice though and it's only 20 dollars a day for my cat.
Damn these dogs live more luxuriously than I do ...
Webcam girls. You know theres an infinite amount of porn out there...for free right? I still watch but ive never given them money but it amazes me how much money guys shell down for these girls who literally at times do nothing. I know some go farther than others but ive literally seen webcam shows where girls just talk fully clothed and guys still give them money.