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Hi, I am Elke
Old 05-14-2019, 02:13 AM   #1
Confused about dryer sheets
 
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Hi, I am Elke

Hi, I am Elke from Germany.
55, employed. At times I feel greedy and like a scrooge, if I am not willing to spend on drinks or other stuff. So I hope to find ideas how to spend less money and have a great life.
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Old 05-14-2019, 04:01 AM   #2
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By "drinks", do you mean drinks to consume at home, or drinks when out socialising? Eating and drinking outside the home is one of the six or seven ways that regular middle-class people can spend quite a lot of money (others are: stuff for the home, new cars, vacations, clothes, smoking, kids).

Also, do you shop at Aldi or Lidl yet? My wife and I went on an AIDA cruise last November. We talked to several people who were able to afford the cruise because they shopped at discount supermarkets. If you're saving for retirement, you could put the money in the bank instead of going on a cruise.
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Old 05-14-2019, 04:05 AM   #3
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Hi, Elke. Welcome to the group.
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Old 05-14-2019, 04:39 AM   #4
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Hi Elke
Welcome to this wonderful forum.
I assume your drink comment relates to treating friends or others to drinks?
If you wish to provide more details, I am sure you can receive lots of good advice from the forum members.
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I can't go out to dinner tonight, I have my weekly writer's group meeting
Old 05-14-2019, 07:44 AM   #5
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I can't go out to dinner tonight, I have my weekly writer's group meeting

If you socialize often with friends and co-workers who encourage spending, it can be difficult to say no. Peer pressure is a powerful force at any age. When you're 55 and likely in your peak earning years, it just raises the spending targets.

One solution might be to develop a second social circle, one directed toward activities that don't cost a lot of money. Creative arts such as handcrafts or writing can be pursued inexpensively.

Having a competing commitment would give you a ready excuse to beg off attending those pricey food-and-drink functions.

Welcome to the forum. I look forward to reading your future posts.
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Old 05-14-2019, 07:51 AM   #6
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Quote:
Originally Posted by Elke View Post
Hi, I am Elke from Germany.
55, employed. At times I feel greedy and like a scrooge, if I am not willing to spend on drinks or other stuff. So I hope to find ideas how to spend less money and have a great life.
Guten Tag, Elke.

You're in the right place, but the first step is to accept that you are frugal - and that's a good thing.

My first wife often accused me of being "stingy" and it hurt, so I let her handle all the financials. Nine years into the marriage we were broke, in debt with an upside down mortgage.

Now I'm retired, and as far as I can tell, she never will.

Wilkommen.
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