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Do You Live in a Frugal State
It turns out it's not entirely your fault if you spend too much on shoes, golf, or any other temptation. How much we spend has a lot to do with where we live just how much selfcontrol we have. Not only are some states more expensive to live in than others, but different locales also have different spending cultures, which can determine how much money is left in your wallet at the end of the day.
Take West Virginia. The state that sent its flagship university to the Final Four of the NCAA men's basketball tournament is also the country's thriftiest state, with households spending an average of $24,517 a year (figures exclude rent and mortgage and are based on government and thirdparty data). Compare that with the big spenders in Connecticut, who spend an average of $57,331 a year. A closer look reveals that West Virginians spend only about $100 a month on clothing, and just $30 a month on hobbies. Connecticut households, on the other hand, spend almost $200 a month on clothes and more than $100 on hobbies. "Income is obviously a big driver [of spending habits] By and large, people spend the money they have," says Paskin. "But it's also probably true that there are different spending cultures West Virginia is clearly one of those states where it's more modest," she adds. Connecticut, on the other hand, is home to some of the country's wealthiest residents.
While Paskin says it's hard to make statewide generalizations, some trends jump out: The 10 most frugal states are concentrated in the South, and include South Carolina, Alabama, Georgia, and Mississippi.
[See The Lowest Tax States for Retirees.]
The point of these rankings, Paskin explains, is to help people understand their own spending habits. "People are more open to talking about money now, and it's important for people to have a way to see how they're doing," she says. If they notice that they're spending more on groceries than their neighbors, perhaps they'll consider changing their habits. "So many of us think, 'If I just lived some place cheaper or if I just got a raise, then I could start saving,'" says Paskin. But she found that even if people move to a cheaper location where they can save on expenses such as rent, they tend to increase their spending in a different area and don't end up saving more money. "People who aren't spending money on housing spend it on other things," she adds. In Austin, households spent an annual average of $67,076 (excluding rent and mortgage payments), which is 77 percent higher than the national average of $37,782.
Detroit ranks as the lowest spending city, with households spending an average of $16,446 a year only $15 a month on entertainment.
The average American household dedicates about a quarter of its budget to shopping, 17 percent to homerelated expenses, and 21 percent to health and family, including health insurance. I was 7 when WWII started in England (I lived in Manchester a big city in the NW). We were a family of 4. Mum, Dad, sister Peggy 10 years older than me, and myself. My Father had the "Victorian" approach to marriage and my Mother never worked from the day she married him. Man's repsonsibilty to support the family. Anyhow things weren't too good regarding food (forget toys etc. none to speak of during the war) but we never went hungry . We ate what there was and if it wasn't available we did without that particular food. There was a saying in England during those day and it was "make do" and we did make do. Good training for later in life when you find through circumstances beyond your control you are suddenly thrust into a life where even though all the good things are there to buy you don't have the money to buy them. Good luck to all the people who are going through difficult times right now. To all the parents who are teaching their children thrifty habits also. I came through difficult periods and I really believe it was the way I was raised.
I think that it is funny that some's priorities are whether you can have a Coach purse or not. I see people walking around with these purses at the mall, but the only thing they have in them are a wallet on something that holds their money. My daughter said they are for looks. For show, well I must be the example of a bad mother, I refuse to pay $200, for a pair of jeans with the knees torn out, or $200 for a pair of shoes, because they got a name on them. Or $250. for a purse, to carry for show. I also worked so that we could afford nicer things like furniture, appliances, cars to get us where we needed to go. MY kids had nice clothes, and shoes, just because at that time they didn't say Gloria Vandervelt, or some big name brand on the pocket did not make them trash when they went out on the street. We took our kids to places on vacation where they would learn something not resorts. I see poster here bickering over stupid stuff like Coach purses, it shows where their prioroties lay, and that is to keep up with what ever trend is going on at the time. MY kids worked for their money, they took out trash, mowed the grass, cleaned the garage. They was given a nice allowance for their weekly pay for these jobs, they was part of the family, they didn't lay around on the couch while I cleaned the kitchen after dinner. My daughter who said I was a bad mother, because of this, now has 2 teenage daughters, that will not put their fingers in the dish water, nor will they wear a pair of shoes that does not cost a hundred bucks or more. Their clothes must come from Macy's Khol's,[url=http://www.xantrex.cc]louis vuitton handbags[/url], etc. I have a grandson that when his father comes into town, (boy is 20) he will only go out to eat at the CheeseFactory, that is as long as someone else is paying. Kids have no respect for anyone anymore, not their parents or anyone else on the street, they want, they want and we give, to make sure they look like the upper class at school. And when they become 20, or 18 like my grand daughter, who is now going to college, but picked a college where she can come home every night, so that she is not responsible for any thing they can't take care of them selves. They can't cook, keep house, wash clothes, because someone else has always done it for them. My daughter has learnt the hard way that maybe she should of had her priorities a little more in line by teaching them what life is about instead of sheltering them and giving them everything that they yelled for. When I was a kid, if I wanted some fancy thing I saved my allowence
for it. It wasn't handed to me. When your only priorty in life is things like Coach purses and whether you can afford them or not, then something is saddly wrong in your life.