Ludicrously complicated lighting systems; smart TVs that are v stupid; no plug sockets; glass walled bathrooms with doorles toilets; QR code menus and crap Nespresso knock offs producing a piddle of coffee. My rant about modern hotel rooms for @ObsFood https://t.co/ZwABrPwk8i
— Jay Rayner (@jayrayner1) May 16, 2024
Another friend of mine recently threw her 30th birthday dinner at a popular location on the Island. Endless bottles of champagne and food for all! She must have had over 30 people present and she kept asking everyone to order as they wished on her. I thought nothing of it at the time, after all not all fingers are equal. Two days after the party, this same friend called and asked for a rather huge loan, which she would payback in monthly installments. I assumed she must have bankrupted herself after her lavish party and willing obliged her without asking many questions. Only to later learn that she had borrowed similar amounts from mutual friends’ months before and was yet to repay.
When I approached her on the issue, she explained that she was trying to gather shopping money for her regular summer trip overseas and would repay all debts on her return. To say I was perplexed, would be an understatement. This is a girl, who has what I imagine to be a well paid job, and constantly has some designer gear straddled on her limbs. I couldn’t understand why she would need to live a life that was clearly well beyond her means.
(Source is BellaNaija.com: Young, Fabulous and FLAT BROKE! )
Analysis: Do I have a broke habit?
By Brent Kessel, MSN Money
Read the rest of the article to find your money personality.In my experience, the people who are happiest with their relationship to money are fairly balanced among most, if not all, of these archetypes. But the reality is that most people have one or two dominant archetypes that keep them stuck with unsatisfying financial habits.
One of the areas where our dominant archetypes can create the most damage is investing. For example, the Guardian prefers ultraconservative assets such as certificates of deposit and bonds, and can tend to trade too much to avoid losses. My advice for such a personality: Create a long-term investment plan that requires little meddling, and stick to it.
Or take the Star. When it comes to investing, he or she chooses assets because they're in vogue, such as tech stocks in the late 1990s, real estate and hedge funds more recently or "green" companies for the future. For such a personality, I advise investing 90% of his or her net worth in a "boring," disciplined portfolio and only 10% in a "cocktail party" account, so he or she still has investments to brag about.
Our dominant archetypes can change over time, especially with guidance.
"For many years, my focus was on building my business and savings, to the point of not really taking the time to fully enjoy or share the fruits of my success," says Abacus client John Baudhuin, a co-founder of fitness company Spinning, which developed the group-cycling program used by 35,000 gyms worldwide.
"But in recent years, I've shifted some of the emphasis from the Saver and Empire Builder to the Pleasure Seeker and Caretaker, and my life is more balanced as a result. For example, I started a family and splurged on a high-performance car I never would have considered buying even a few years ago."
Baudhuin's story shows how emphasizing the money types we've been neglecting can lead to greater financial fulfillment.
Flash a coupon. Think about it: If a restaurant really wanted you to use that 25%-off coupon, would they demand that you show it to your waiter, in full view of your date, the instant you sit down? Still, coupons can be a good way to have your dating cake and eat it too, especially if you can wave them at the maitre d’ when your gal pal isn’t looking. (You can also be honest and suggest trying a particular restaurant because you happen to have the coupon. I don’t recommend this, but some people insist it works.)Other suggestions: cook dinner together, sample some ethnic cuisine, rent a movie ... I guess I do these already ... move in together, skip the reception ... you lost me there, what's the point of a wedding without a reception ;)
