I could write a book about my experiences with broke people who can't be bothered to save money, but one couple I know takes the cake. They are nice people who helped me out when I went through a difficult time years ago, but they are deep in debt and every bit of advice I've offered to help them slash expenses is listened to, then ignored.
They have a paid NetZero dial-up internet account they haven't used for at least 10 years that they are still paying for, because they don't want to change E-mail addresses.
When they moved to another state, they did not bother to re-install or cancel their Vonage telephone service for almost 2 years.
The woman talks all day on her cell phone, even when at home where a free VoIP phone is sitting right there. When I asked her if she has an unlimited talk plan on her cell, she said "Oh, I don't know, my husband pays for that". I talked to him and found out that they were paying over a couple hundred dollars a month for all this talk. I recommended Boost Mobile, since their Sprint contract was nearly up. They ended up renewing Sprint for another two years.
I gave them a OBi110 VoIP adapter and set it up with Google Voice to replace their rip-off land line with totally free phone service. They were excited to receive it, but they are not using it now because of one "flaw". It can't be used to call those free conference call services, which the man uses for about an hour a week for church meetings. I gave them a number of cheap ways around this, but they are just keeping their $40+/month land line.
They are total suckers for any and all up-selling. The man was talked into buying a nearly $300/month set of services from their local cable TV company. The thing is, neither of them spend much time at home because they are working long hours to pay bills and debts. These people are in their early 60's, FYI.
Their daughter's family is also keeping their tradition of perpetual financial insolvency alive. She and her husband and kids were living for years in a very expensive area in upstate New York. They couldn't possibly afford it, but they just kept getting credit card after credit card until they could no longer make even the minimum payments. They ended up escaping to South Korea, where her Japanese husband landed a job as an interpreter.
Needless to say, taking advantage of sales, coupons, or other promotions never crosses the minds of people like this. I've tried to help, but it just goes in one ear and out the other. Sigh.
fluffy (rep: 2.2k) posted Jun 21, 2012
that's so true! without going further ,when i met my husband he was one of those people,never looked at a sale or a price tag, sadly he lost his job and he learned the hard way about how to become economic and a smarter shopper. He now looks for sale himself and thinks twice about buying items before they go on sale. He cant imagine how he lived before but sadly a lot of his friends still do that way. A lot of people could use a little help understanding that a penny earned is a penny saved .In this economy saving even pennies counts. We all could use some extra money in order to save for our future without depriving ourselves from the basic experiences that life is offering us :)
lancelot7562 (rep: 559) posted Jun 21, 2012
I totally hear ya. I don't believe in paying full price, because I grew up with parents who always taught me to save money when I can. I am a true believer of couponing. I am usually able to buy everything I need at about 20-50% off. I do check out weekly flyers and stock up on household items weekly when they go on sale. I utilize my CVS extra bucks for additional savings.
lilywow (rep: 8.6k) posted Jun 21, 2012
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