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thThe other day I had a massage, my last one with this practitioner because she’s moving out of state. On the landing by her door was a small stack of cinder blocks. I asked if she’d found a buyer and they were waiting to be picked up.

No buyers, she replied. “I’d give them away at this point, just to get rid of them.”

Guess who now has eight cinder blocks, even though she has no particular plan for them? Not right away, that is. But I figured you can never be too rich, too thin or have too many cinder blocks.

Part of me wondered whether this were a hoarder’s rationale. It could be.

 


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th-1The lovely and talented J. Money has apparently had enough. In a blog post called “What haters are like,” he details some of the bummer-speak he’s encountered with regard to finances.

Stuff like:

I just paid off my debt! (You shouldn’t have had any to begin with.)

I just invested in my first stock! (You need to diversify more.)

I just saved for retirement! (Why? YOLO!)

I just bought a used car! (It’s gonna break down, you know.)

I just bought insurance! (You would have been better off saving it.)

I just saved $20.00 doing it myself! (My time is worth way more than that.)

As the kids say: Srsly????

 


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th-2My recent “Tell me about yourself” post produced some very interesting responses. One of the commenters, Michelle, asked whether I’d answered the questions myself.

I guess I could do that. But another thought crossed my mind: Since I got to ask you guys questions, maybe it’s your turn to ask me some.

How does that sound? Here’s how I propose to do this:

 


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thThe response to my early-June reboot of “Surviving (and thriving) on $12,000 a year” was humbling. It was great to see reader comments about the impact this piece had on their lives.

When the post originally ran (January 2007) it got more response than anything else MSN Money published that year. The editor immediately said, “Write another one.” So I did.

The headline I chose was the one you see above; it got changed to “Living ‘poor’ and loving it.” (I refrain from comment.)

I’ve decided to re-boot the second piece as well, again in its original format vs. the MSN-edited version. Once again, asterisks indicate that updates can be found at the end.

Comedian Dick Gregory grew hungry and cold in an impoverished home. Yet his mother always assured the kids, “We ain’t poor, we’re just broke.”

 


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thHere’s today’s neologism, and it’s a great one: “pre-solvent.” It comes from a comment on one a Money Talks News article called “The real reason Americans struggle to save.”

The article cited a couple of surveys that put the fault not in our stars, but in our cards: “Lifestyle spending” and “lack of financial discipline” kept anywhere from 44 to 71 percent of respondents living paycheck to paycheck and/or prevented them from achieving financial goals.

I’d like to point out that underemployment, lack of education and impossible-to-pay medical bills can also hinder the ability to save. But I agree that the “buy now, figure out how to pay for it later” attitude is definitely nudging some folks toward insolvency.

Which brings us to pre-solvency. A commenter named “Y2K Jillian” writes that she and her husband lived paycheck to paycheck for years and loathed the lifestyle. But change happened.

How? “Gradually, gradually.” Which is how I’d bet it happens for a lot of people.

 


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