Posted on August 22 2016
I hear this from my friends all the time. “Hey man I would love to go do that with you but I’m so broke right now. I can’t afford this right now. I have to pay this bill first.” What’s the purpose of making money when the majority of it goes to bills? Bills that most likely, aren’t necessary. Let me clarify.
Necessary bills are:
Rent, Groceries, transportation
If you have a roof over your head, food on your table and reliable transportation that can take you from point A to point B then you are all set. Note how I didn’t include ‘car payment’ as a necessity. I know you have been made to believe that you cannot have a car unless it comes with a 5 year long finance, but a car doesn’t have to be an automatic debt sentence. I bought my first car when I was 21. It took me over a year to come up with the money. But I never felt prouder when I saw my name on the title. No car payments I paid almost 7 grand for my car, CASH. That’s how you buy a car.
All I paid after that was a few bucks a month for car insurance. You don’t know what freedom is until you don’t have to worry about paying almost $300 every month for a freaking car payment.
Don’t live above your means. If you make $3,000 a month, don’t get an apartment somewhere where you pay $1,800 for rent. Be realistic.
Groceries are not a bill, but they are a necessary expense that you can’t go without. Instead of spending $20 a day on takeout food, go to the grocery store once a week and spend $70 on groceries, it healthier and more economical. If you’re broke you have no business eating out all the damn time.
If you have a car you will need car insurance. Don’t be a cheap fuck and drive without it. If you’re young or have a bad driving record put the car on your parents insurance and don’t add yourself to the policy. Most states will legally let you do that. Car insurance always goes with the car and not the driver.
So even if you get into an accident, the car is insured even though you’re not on the policy. I save myself about $200 a month with that little trick.
Those 3 above mentioned expenses are NECESSARY, other than that:
Stop complaining about not having enough money for anything when you have a bunch of unnecessary expenses. Get rid of your car payment, your cell phone contract, and every other bill that isn’t completely necessary. There’s so much more to this life than always having the newest and most expensive things.
Consumerism shouldn’t hold a vice-like grip on our lives. And the first time you will get on an airplane, the first time you walk out of an airport in a different country, the first time you’re trying to communicate to the server what “no onions” means in French, is the time when you realize that. You can read about it, talk about it but you will never truly understand it until you experience it yourself.
How can you expect to be free when you have a $250 car payment every month that holds you back? A $120 monthly phone bill. A $100 TV bill. The fact that we have become accustomed to financing our cell phones is madness by itself. Our society is programmed to believe that you always need the newest gadget, the newest car model, newest clothes etc. If you can’t afford to buy something in cash, then DON’T BUY IT.
I bought my cell phone with cash; sure it’s a lot of money up front. But at least I don’t have to worry about an additional $28 every month added to my phone bill for the next 2 years. And there isn’t anything wrong with driving a 7 year old car that’s paid off even though you may have friends that tell you otherwise. Stop trying to impress people that do not care about you nor benefit you in shape or form.
You need to open your eyes and realize that there is more to this life. No one can tell you what exactly that is. You just have to figure that out for yourself. But I guarantee you that you won't find true happiness nor self-enlightenment at Best Buy or a car dealership or the mall.