It’s so easy

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Today’s post is a simple, but important post. It’s about something that many of us human beings will always struggle with: spending money.

It is so easy to spend money.

On phones, on computers, on clothes, on food, on friends, on dates, on concerts, on furniture, on cars, on boats, on homes, on anything at all.

But, if we don’t get a handle on ourselves then we will really be screwed. Remember, that no matter how much money you have, you can spend it very easily. There is always something out there with a high enough price tag that you can easily waste away all that you have come into.

Take Terrell Owens for example. One of my bosses back at BMW actually had his daughter on the same volleyball team as T.O.’s daughter so he got to know the man personally. Small world.

So Terrell Owens was an absolute NFL Superstar who made over 60$ million while he played football. Now he is worth somewhere between 100,000$ to 2$ million. Much less than what he used to be. And why? Because he couldn’t control his spending habits and his life decisions. You truly can have all the money in the world but if you don’t watch what you do with it it will be gone an instant. And then you might find yourself in a new position where the money doesn’t come in like it did. In his case he was a professional athlete who lost the inevitable battle with time and was no longer as fit to play as he used to be.

And we will all lose to the battle of time. That is why we need to invest.

And this means evaluating our desires. Do we really need those things that we think we do? Today I was looking at a little camera pouch for my camera to put in my backpack. I went into a camera store looking for a cover, but I really didn’t find anything that worked that great. The store worker then kept looking for something else that would fit but each time the price was a little higher and then I thought to myself.

“Do I really need this?”

My answer was no, I don’t. So I thanked him for his time but said that I think I will pass on getting another accessory today and walked out. In that moment, and now, I am proud of my decision. Yes, it was only for 20$ or so, but that is 20$ that is still in my pocket. I didn’t need to spend it and I am glad that I did not.

Further, I recently have been evaluating the things that I have thought about doing to my car. I wanted this suspension, and this intake, and this tune, etc. But then the more I thought about it, I really don’t need to spend all that money on extra parts for my car when I have a payment to worry about. Sure, I wasn’t really going to do it and it was something more for me to think about more than anything, but it got me thinking, if I did come into money where I could take care of my payment and then modify my car, that would not really be wise. I would spend all this money on something that will inevitably lose money (cars) whereas I could save it for more useful purposes such as rent and other investments.

Cars are a principal example of something that I enjoy that can and will eat up all my money if I don’t get a handle on myself. I love lots of cars, but I never will be satisfied. And I have started to coming to terms with this such that I now am really starting to love my current car, a 2015 BMW 435i. Now, I always liked my car, but I had a 2015 M4 before it.

Now, that car was cool.

But it was also a lot more money, and also pretty dangerous. Among other things. Unfortunately, or fortunately (life has a strange way of making things work), a man crashed into me and totaled the car. I ended up walking away totally fine (knock on wood nothing happens down the line) and I actually made money off the crash via the insurance company. I also then was offered a job to sell insurance as a result of going through the claims process and then I quit my job in BMW auto sales and passed my insurance test. A ton of other things happened, but that is another story.

But after the crash I got another BMW but this time I decided to get a car that was not as expensive as the previous M4. I do well now, I won’t hide that from you reader, but taking on the M4 payment was a little much. I luckily had the time to re-evaluate my purchase and get something that was easier to manage. And it also has taught me a good lesson too.

It really is about the payment.

If you can afford it, then do what you want. But be careful. What does afford mean? I would define afford as your ability to spend money on things that essentially you don’t need. The type of money you would burn otherwise.

So think about that. Save your money, and if you are going to spend some, think about whether it’s burnable money. If it’s for something that you need, then you have to get it. But if you don’t need it, but you want it, think if your money is burnable.

If it isn’t, save it.

Otherwise you won’t have any left in no time.

 

Keep Smiling,

Nolan

When is it enough?

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Yesterday I made the same stupid mistake that I made early in the Summer of 2018. I wasted money buying in game skins. Yes, skins. What are skins you might ask? Well, basically they are in game fashion. They add no real gameplay modifiers such as increased damage or speed or etc., all they are is a re-working on a character or weapons outfit.

Yup, that’s it. Just an outfit.

And people spend lots of money on these things; myself included. Now, I am not entirely against skins at all. I think if you play a game a lot if it nice to have some sort of fashion that distinguishes you from the other players, but there is a line when you are spending just too much. For example, how many skins do you really need to buy? If you aren’t cautious it can get out of hand extremely quickly. And then when you have skins for many different characters but you only play one of them, then talk about a real waste of money.

Skins are the proverbial clothes that you have kept in your closet for years but never have worn. Just dead weight.

Last night I spent 50$ on crap that I really did not need at all. I got so lost in the moment of buying this skin that I wanted that I kept persisting through all these glitches in the Ubisoft purchase system of which it took me over 2 hours to but the skin I wanted.

Talk about the universe trying to tell me something. Further, someone in my chat literally said that to me too. I think I responded with something like,

“Fuck the universe.”

Lol. I literally am too funny. Especially because I now only one day after the purchase am regretting it and am writing a blog post to encourage others to limit their spending. And I have to thank one of my oldest and most trusted fans Lots_of_Pyro. He sent me a message on twitter calling me out. Paraphrasing, He said,

“Dude, you wrote me a letter telling me to save my money instead of giving it to you because I should save for my computer parts since that is really what I want. You too should save your money instead of buying it on stupid skins which you already have when you should save it for rent since finding a good place for your stream is really what you want.”

And Pyro was 100% on the mark. He caught me red-handed being a hypocrite. And I am glad that he did. It’s high time that I stopped wasting my money on these in game items. I mean seriously I am going to be 27 years old soon, spending my money on junk like this is totally childish.

So here we go chat. I am done with skins. I don’t need to buy them. If someone wants to give me a skin that I would like hey that is cool, (I won’t lie I still like them) but as for spending money on them, I am done. I have so many skins already. In Fortnite, in World of Warcraft, in Counter Strike, in Rainbow Six, etc. The list goes on. But the real question is,

How much is enough?

I say that I have enough. It’s time to chill out and stop this wasteful spending. And not just on in game skins, also in other areas of life. Especially on food, clothes, books, and other junk that I don’t need and don’t use.

But I am going to start with skins. This is the easiest area for my get this habit under control, since I stream every night so I literally will be fighting my temptation to buy skins nightly. And Pyro also made a good point that as a streamer I have a responsibility to my chat and followers such that I do not become a bad influence on them. If I am spending and spending I am also encouraging them to follow in foolish behavior. And this is even more ridiculous considering I am such a self-proclaimed “intelligent” streamer.

It’s kind of hard to give advice when you are concurrently making foolish decisions.

So here we go everyone. We are a month into the new year but heck let’s just act as if it is Day 1. This year we say goodbye to skins. Too much is too much. I have enough and I need to learn to be happy with what I have. Because here is the core lesson.

Nothing is ever enough. You will always want more.

And that’s not just skins. I am talking about money, cars, women, clothes, etc. If you cannot get your appetite under control it will destroy you. You will spend all your money very quickly, you will ruin your best relationships because you simply cannot choose to have one, and your life will become a mess surrounded by meaningless junk that is at best only temporary happiness.

So get it under control. Stop the spending. And let’s start with the skins. If you don’t have any, that’s one thing. But if you have plenty, it’s time to stop.

Say no skins.

 

Keep Smiling,

Nolan