Financial Pet Peeve: Whiners

Last updated on: March 18, 2011 at 6:00 am by Tim

Financial Pet Peeve: Whiners 2011-03-18T06:00:43-05:00 Tim

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no whining

This guest post was written by Jason, the proprietor of Live Real, Now, a blog focused on spending–and saving–in the real world. It was written for a blog swap run by the personal finance blog network to answer the question “What is your biggest financial pet peeve?“

I have a lot of friends and family in different financial stages in their lives. Some are deeper in debt than I am, others are just starting to dig their own pit, still others have paid off every cent of debt they’ve ever used. That’s okay; as they say, it takes all kinds to make the world go round.

Out of all of those, the only ones who irritate me are the spendthrift whiners. These are the people who spend 28 days a month struggling to make ends meet and complaining about how hard their lives are. They make snide comments about how easy other people have it, and act like they are being cheated out of their birthright whenever anybody does anything fun that they can’t do because they are too broke.

The other two days—or sometimes three—of the month, are payday. These are the days the spendthrift whiners try to make themselves feel rich for 24 hours, while wondering why you aren’t willing to hit the fancy restaurants and expensive vacations with them. This is the day they will buy a dozen movies, or a new home theater system, or a big screen TV. It’s the day they will drop a non-refundable deposit on an exotic vacation, or shop for a new car. Before they know what’s happening, the money is gone and they are broke again until next payday, condemned to whining about their horrible situation, while their spendthrift-whiner friends and neighbors complain about the injustice of having to go without luxuries while our hypothetical spendthrift whiners have a big screen TV and an exotic vacation to Dubuque booked.

These people give no thought to the future. Their life savings consist of depreciating electronics and a fancy scrapbook. What do they do when life catches them by surprise? They come begging for a loan, or charge the emergency to a credit card while complaining about the cost of interest. Ultimately, everyone who plans ahead and sets some money aside is obviously trying to rip them off, because nobody can actually do well for themselves without being crooked.

They are absolutely convinced that life is too hard to succeed, and they refuse to examine their own behavior to find the cause of their problems.

Until payday.

What’s your biggest financial pet peeve?

Jason runs the blog, Live Real, Now. Please take a moment to go over there and check him out. Thanks!

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