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How do you respond to this ... ? - Page 3

post #31 of 37
12/26/07 at 6:27pm
Quote:
Originally Posted by Presto87 View Post
I can't say I agree entirely with what you're saying, but I do see where you're coming from. I mean - if they aren't asking for rent - and have even declined to accept rent from my older sister a few years ago (and I am sure they will say respond the same way if I were to ask). So, if they aren't accepting rent ... I earn my own cash ... paying what needs to be paid (in this instance college fees) .... not running into debt. Then I believe they have no right to tell me what to do with my own money. On the other hand, if I were to ask to borrow money - or even take a loan to pay off something - then I'd be acting irresponsibly and your point would kick in.

So it seems we have helped you distill your position, i.e. your parents have no right to comment, so really you are just looking for the form of the response? Maybe, "It's my money and I'll spend it how I want."? Or, "If I want your opinion, I'll give it to you, so just shut up and house and feed me!"? You failed to mention, what is your transportation situation? Do they supply you with use of a vehicle too, public transport, etc?
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post #32 of 37
12/26/07 at 7:07pm
If your spending in a plausible manner may be characterised as frivolous given your means, accept the criticism and change your spending habits.

If your clothing budget is well within what you are able to afford, explain your priorities. Purchase of clothing is a very visible way of spending money, as opposed to many more common habits such as long nights out, expensive dinners, suffering from financial illiteracy etc. You should not be punished for the fact that you spend your own money according to your own preferences, just because your spending is highly visible.

When a large portion of your income is devoted to clothes, you are not wasting money, quite the opposite – you are spending it on the goods that give you the highest level of utility possible; given your preferences, any other spending habit would be irrational.
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post #33 of 37
12/27/07 at 1:37am
Thank you for your concern, would you be so kind as to lend me $500 for a pair of boots?
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post #34 of 37
12/27/07 at 10:12am
Thread Starter 
Quote:
Originally Posted by Piobaire View Post
So it seems we have helped you distill your position, i.e. your parents have no right to comment, so really you are just looking for the form of the response? Maybe, "It's my money and I'll spend it how I want."? Or, "If I want your opinion, I'll give it to you, so just shut up and house and feed me!"? You failed to mention, what is your transportation situation? Do they supply you with use of a vehicle too, public transport, etc?

Yea I knew all along that they had no right to comment

Yea so now I just need an "appropriate" response to when the topic comes up again ... when I say "appropriate" - I mean something that I would ACTUALLY say

I only recently got my license. So at the moment, still buses/trains. I haven't had the chance to drive the family car out and about on my own just yet. They'd probably let me if I needed to (for short, one-off runs) ... but nothing like 24/7 ...
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post #35 of 37
12/27/07 at 10:19am
Thread Starter 
Quote:
Originally Posted by Optimas View Post
If your spending in a plausible manner may be characterised as frivolous given your means, accept the criticism and change your spending habits.

If your clothing budget is well within what you are able to afford, explain your priorities. Purchase of clothing is a very visible way of spending money, as opposed to many more common habits such as long nights out, expensive dinners, suffering from financial illiteracy etc. You should not be punished for the fact that you spend your own money according to your own preferences, just because your spending is highly visible.

When a large portion of your income is devoted to clothes, you are not wasting money, quite the opposite - you are spending it on the goods that give you the highest level of utility possible; given your preferences, any other spending habit would be irrational.

I wouldn't say my clothing budget is WELL WITHIN what I am able to afford ... but I am able to take my spending habits into consideration when budgeting - and therefore not run into debt.

And you make a good point, that I have thought about before - but never thought to bring it up with them - that everyone has something they splurge-on .... many my age blow their cash on wild night outs etc. So I guess that clothing is somewhat more of an "investment" - in that its not just a one-off.
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post #36 of 37
12/27/07 at 12:13pm
Dude you should grow up...you can't afford to live on your own because you buy too many clothes???? That is absolutely ridiculous. I buy a lot of clothes and I'm your same age but I have lived on my own since I was 18 (16 if you count boarding school). If you have that money to waste why not buy some jeans that look basically the same but are cheaper and invest some money if you aren't mature enough to live on your own so later on when you are you can make a down payment or have plenty of money for rent? I get lectured all the time on my clothes but then I show my parents where I'm adding money every week to varying accounts and they immediately agree that I'm within my means. Also how are you 20 and you've never driven by yourself?????
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post #37 of 37
12/27/07 at 6:26pm
Thread Starter 
Mate, you should really watch what you say - especially when you don't know a person's COMPLETE situation yea. Yes I am 20 ... but I study at a college (as opposed to a university) in Sydney - which means I am not entitled to any government funding (as university students are). So I have been working since 17 to pay for college. To this date, I have spent $23,000 towards my college fees (that includes a laptop we were asked to purchase - for graphic design) - with another 10,500 to be paid this February for my final year of schooling. So I believe that my ability to pay in excess of $20,000, at only 20 years of age is something that should be "rewarded" .... and I do that by making splurges on clothing that makes me feel good. As I said, I BUDGET so that I can pay college fees AND ALSO purchase quality clothing from time-to-time. Immediately after this year, I'll be working full-time ... so my plan is that any money that I would have usually be saving for college - will now be put towards a deposit on a house.

In Australia, the laws are different. You need to drive with a licensed passenger for 1.5 years, and then pass a test - before you are legally allowed to drive on your own. I only recently passed the test 2 months ago - so only now I am legally able to drive on my own if I need to.
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