How do you feel about obnoxious money posts?

I’m genuinely curious– how do the polite silent readers who want to remain anonymous or don’t want to log in feel about the obnoxious money posts?  (Also people who aren’t silent and/or don’t want to remain anonymous on this topic can chime in, as always!)


30 Responses to “How do you feel about obnoxious money posts?”

  1. nicoleandmaggie Says:

    I don’t think you can see the “other” answers without logging into polldaddy. Right now they are:
    As long as you are talking about it irl as well!
    You’re still political. That counts.
    like them
    Relate to them
    It mostly just makes me slightly jealous
    Your perspective has helped calibrate my other financial learning resources
    Depressed because I’m poor.
    as a six-figure bitch with a history of frugality they validate my experience

  2. rose Says:

    I have read for several years and for a long time never commented. I find them interesting because you write with acknowledgement of much hard work and good luck has gone into being in a place of abundance and real desire to think through the best way to use this abundance. There is no entitlement in it. You also clearly have past roots in needing to plan and budget very carefully. You understand needs versus wants and prioritized needs in order to be able to do some wants today. I have also never heard any of the ‘anyone can do and have this’ feeling some writers express. Actually as a single mother who supported two children, I know not everyone can save like some money bloggers have done. I never had ‘lattes to cut out’ and I had no idea where the fast food places in my communities were ~ because they were too expensive to think about.
    Really appreciate that you continue to cover the political issues as well. You give me strength and hope.

    • nicoleandmaggie Says:

      That’s very nice of you to say.

    • Debbie M Says:

      I also like that there’s no entitlement or anyone-can. I basically like any posts that are about things that bloggers want to write about. And even if your specific situations don’t apply to me, the basic strategies you use (such as prioritizing, remembering that paying a little more can make a big difference, strategizing, etc.) often are.

  3. CG Says:

    I like the money posts because I enjoy learning about how other people think about managing money. It’s not something I talk about in detail with friends irl so this is an opportunity I don’t get elsewhere. And your situation is similar enough to mine that I find it relevant in a way that an extreme frugality-oriented blog would not be.

  4. Revanche @ A Gai Shan Life Says:

    I love them because I don’t think any posts (except FS’s) about money are obnoxious. It takes a real effort to annoy me when talking money :) But I might also be biased because I enjoy all your posts, money or not.

  5. Leigh Says:

    I like to read how people’s money ideas change over time. These posts are a great example of that. I agree with everything rose said. I especially like yours as I’ve found your financial thoughts to be really valuable since I started reading your blog almost a decade ago! You were the first person to suggest to me that I could save money just for the sake of saving money without having a goal and that could be useful later. That was a huge mindset shift for me!

    • nicoleandmaggie Says:

      I remember when DH and I came to that realization– and then we were really glad we had saved it because it funded something we wouldn’t have been able to do otherwise. Opportunities come up! (I guess the pf community calls this an “opportunity fund” now, though I’ve always just thought of it as slush.)

      We definitely are in uncharted territory for us these days. Like you guys have noted, we have come a really long way and we don’t really have examples of how to be high income from family members. (To be completely honest, I do have some an aunt and uncle who are in law and an aunt in medicine, but I don’t know much about their lives, much less their financial positions. I do remember that my aunt and uncle sent my cousins to Concordia all summer, which… I guess we could afford? They also did that before they were done paying off their student loans, though I don’t know if they could have paid off loans before then or not.)

      • Leigh Says:

        I prefer to think of it as slush too. That’s honestly how I’ve always thought of cash too. I hate the phrase “emergency fund” because I’ve also used mine for things like front loading my 401(k) or contributing to IRAs which aren’t really emergencies.

        My example of how to be high income is from my parents but that was in their 40s not 20s. They were super broke in their 20s, like my mom made $1200/month and my dad had his debit card eaten for not paying his credit card bill and he only worked 5 months a year. And now my mom still chastises my dad for spending too much and not working anymore. They invested in dad’s business, real estate and maxed out all of their retirement accounts in term deposits. So that is their extent of investing advice. Pay off your mortgage. Max out your retirement accounts.

        I’m really glad my husband has started to appreciate my chart updates every month (and he’s started to find them fun!) because I feel really weird talking about our money in much detail with anyone else anymore. Uncharted territory is kind of exciting :)

  6. SP Says:

    I like them. Though not particularly more or less than your other posts – I like most of your posts. I can’t quite relate, because I have no trouble finding things to do with my money (the mortgage is always there!), but I like the way you think through your priorities and share that.

    • nicoleandmaggie Says:

      If we moved out where you are we still wouldn’t be able to buy a house in a good school district. Even if somehow we miraculously kept our current income (not likely). So all our extra money would be going towards a future down payment, I think.

      • SP Says:

        I think there is some adjustments of expectations for “afford” and “good school district” and house size needed required to make it work here.

        I mean, sort of kidding, but there is some truth there. We really traded the best rated school district for much better commute and city we wanted to be in, but avoided the terrible districts, or those that were terrible after elementary school. The better rated school was by far less diverse and much more affluent, and we both were a little uncomfortable with that. Maybe we will change our minds though!

      • nicoleandmaggie Says:

        Even so, we literally cannot afford any detatched housing (or townhomes) that comes with land in school districts rated 7 or higher that are also within commuting distance of where DH would find work. We could afford 1000 sq ft 2br in school districts rated 3-4 if we both kept our incomes (which isn’t possible because mine is geography-dependent). We just have not been earning this amount long enough and DH has had periods of not earning. If we had in 2008 what we have now it would be possible, but prices have more than doubled since 2008.

  7. Xin Says:

    I like those posts, and after following only recently, I think they fit in well with the others. I have an insatiable curiosity for seeing how people approach various types of money questions, both big and small. I always appreciate hearing people’s thought processes on even very small money questions and decisions that, in some contexts, should be “easy” (but aren’t really), like my recent hemming and hawing over whether to hire someone to clean before deciding that wasn’t right for us at this time.

  8. chacha1 Says:

    fwiw I used to regularly read half a dozen PF blogs, and now I read writing blogs + you guys. :-)

  9. First Gen American Says:

    It’s been interesting following another dual income couple with kids about the same age with very similar saving/spending philosophy.

    A lot has changed money wise in the last 10 years since we started blogging going from house payments and lots of childcare expenses and not a lot of extra income to being 100% debt free with 20+ years of retirement savings under our belts.

    So anyway…I am in the same boat and it’s interesting to follow another journey in a similar situation. Those basic PF rules really do work and time does go by quickly. Even though it took 3 years to save a healthy emergency fund and it seemed like a long time back then, it’s brought me peace of mind for the last 15.

    I also think it’s good that you acknowledge that you are making more household income than the average American and that eases the journey significantly.

  10. nicoleandmaggie Says:

    The frugal girl has started loosening purse strings lately too (mostly travel). It’s interesting to see her journey there though it is off-brand for her.

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