Does This Annoy You?

Trying2SaveABuck on 20/03/2019 - 13:57
Last edited 21/03/2019 - 09:12

The line between being savvy and being cheap: I do not consider myself cheap I believe that people get these things confused however there are two extremes on Ozbargin and I wonder if annoys others too.

Their are a bunch of people on this forum who earn big wages +150k have loads of equity in property and stocks and are still driving a 1999 Hyundai excel, wearing $3 outfits and living with there parents because they don’t want to pay for utilities in one of there 6 investment properties and basically always trying to squeeze $200 of value out of $10 note – these people I honestly cant stand in real life they are the type of people you are at a pub shout them a drink for $10 and when they go to shout you a drink it has to be under $9.95 so they make a moral profit or even worse they just take off and never off a round.

On the other side (these people are less prevalent on this forum)

Are the exact opposite these people make barely earn over min wage or just simply don’t want to work so they sponge of the government buy almost everything on credit couldn’t save $12 to save there life, and cant understand why there landlords wont let them have a dog in there rental even though they haven’t paid there rent for 3 months but can somehow afford to look after a pet – these people equally annoy the shit out of me.

Now they don’t have to fit the exact picture I painted but we all know people who are excessively cheap and those who are over spenders do they annoying you in real life/on ozbargin would you put yourself in one of those two categories?

Poll Options

  • 283
    Yes they both annoy me
  • 14
    Only those who are cheap annoy me
  • 139
    Only lazy underproductive over spenders annoy me
  • 16
    I don’t mind
  • 86
    I like cookies
General Discussion

Comments

  • Nugs on 20/03/2019 - 14:49
    +1

    biscuits
    .

  • HighAndDry on 20/03/2019 - 15:05

    Only the second. The first annoys me not because of their cheapness - they can spend their money how they want, but more of a moral issue if they're being cheap at the expense of others who're doing them a favour.

    • ClawShrimp on 21/03/2019 - 00:22
      +1

      *there money
      Kidding…of course.

      • minksta on 21/03/2019 - 09:39

        ? their is correct (posessive)

        • ClawShrimp on 21/03/2019 - 23:59

          It was a joke. A bad one. My apologies.

  • Bid Sniper on 20/03/2019 - 15:08
    +4

    Put it this way, if they live with their parents, = no sex. oh they save $$$ on condoms too.

    • Donaldhump on 20/03/2019 - 19:20
      +14

      Tell my kids that, they get more action than me

      • nikey2k27 on 21/03/2019 - 05:56
        +8

        I was chatting with my uncle he got two girls at uni live at home with him Most morning his up at 5 am Radom guy walk around the house his like I am been robbed or did girl have some over.

        • kma on 21/03/2019 - 07:36
          +9

          wtf?

        • Ti-au on 21/03/2019 - 10:47
          +1

          why not both?

          $$$.

    • Wystri Warrick on 20/03/2019 - 19:33
      +2

      Bahahaha funniest comment here lol 😂.

      I take it that that's a typo in your username, "Big sniper" a big gun huh ;)

      • minksta on 21/03/2019 - 09:42
        +2

        bid sniping… it's a thing..

      • snackerjoe on 21/03/2019 - 11:02

        U never heard of bid sniping?

        edit: You probably haven't, from the old Ebay days.

        • rompastompa on 21/03/2019 - 11:21

          I remember a decent program that used to do it for me. Ahh, those were the days.

  • Hithere on 20/03/2019 - 15:10
    +2

    biscuits

    I'll vote for that Nugs.

    The worst I ever saw was an ad for ANZAC cookies.

    Too much Americanisation nowadays.

  • Diji1 on 20/03/2019 - 15:13
    +4

    barely earn over min wage

    That's $37,388 before tax for 38 hours.

    simply don’t want to work so they sponge of the government buy almost everything on credit

    I think this person is imaginary since it's very hard to get credit if you are receiving only unemployment benefits.

    What astounds me is the enormous numbers of people who are working and still use credit despite the losses this causes.

    • Wystri Warrick on 20/03/2019 - 18:24
      +2

      Never seen anyone irl on Centrelink and were able to get a credit card or a loan, and I went to school with a few dole bludgers.

      • Ti-au on 21/03/2019 - 10:49
        +2

        Thats not the narrative….

        Actually living on a pension (old people) is a pretty shitty existence (unless you own your home, etc).

      • Cave Fire on 22/03/2019 - 18:22

        there's special loans and micro credit for the unemployed.

    • T1OOO on 21/03/2019 - 14:20

      actually its not, they want unemployed and pensioners, they want to charge them fees,.. thats their best clientele actually… makes sense now dosnt it? people who shoudnt have it, will miss use it and the banks profit.

    • PAOK11 on 23/03/2019 - 12:59

      If you have a job apply for credit, get the loan then you lose the job boom your centrelink and cant pay the loan. I see it a lot

  • websterp on 20/03/2019 - 15:15
    +5

    OP you need to read this before your next post.

  • Duram on 20/03/2019 - 15:21
    +7

    I have a 99 Hyundai Xcell - Ask me anything.

    • theHMASfriendship on 20/03/2019 - 19:15
      +4

      Yes hi how much did your outfit cost?

      • Duram on 21/03/2019 - 08:19
        +1

        Outfit? Me no understand. Car cost 999 like 7 years ago.

    • [Deactivated] on 21/03/2019 - 08:22
      +1

      do you know how to spell it? apparently not ;)

      • Duram on 21/03/2019 - 08:22
        +1

        All my stickers and badges have fallen off so please forgive me.

      • cashless on 21/03/2019 - 15:23

        do you know how to spell it? apparently not ;)

        That seems to be a recurring theme in this thread

        • smartazz104 on 21/03/2019 - 17:38

          High wages, low literacy…

  • outlander on 20/03/2019 - 15:51
    +3

    Yes, they annoy me greatly.

    What probably annoys me most though, is how although I want to feel superior to both these groups, they still continue to impact me, despite it being apparently trivially easy to avoid them.

    It really throws a wrench in the idea that I'm somehow not part of the same compost heap of this world.

  • TheMindsetTraveller on 20/03/2019 - 16:11
    +3

    The tight ass with a $$$ will annoy me much much more - that said, that guy with six investment properties is "sponging" off the government too - it's likely called negative gearing. The goal is always be negatively geared, and if you are positively geared and paying taxes on top of this, then it's time to buy the 7th property.

    • Jolakot on 21/03/2019 - 10:23
      +1

      They aren't sponging off the government, they're paying less taxes. The government will get their due eventually from capital gains tax.

      • TheMindsetTraveller on 21/03/2019 - 10:44
        +2

        They are 'sponging' and I say this as a someone who has utilised and benefited from negative gearing for the past 12-13 years; so yes, I am also critiquing myself.

        Put it this way - if there was no negative gearing would people be interested? Why are people - well investors - concerned that a federal Labor government will get rid of negative gearing for new property acquisitions?

        The government does not eventually get their due from capital gains tax; they get some of the gain but not all of it. There are discount methods see the link below; a 50% discount if you own property longer than 12 months;

        And then the gain is added to your assessable income and then that gets further reduced depending on your tax bracket.

        https://www.ato.gov.au/general/capital-gains-tax/working-out…

        https://www.ato.gov.au/general/capital-gains-tax/

        • Jolakot on 21/03/2019 - 13:27
          -1

          So what you're saying is that these people are net positive contributors to the welfare state, but not positively enough?

          How does that annoy you more than someone who is a net negative contributor?

          • TheMindsetTraveller on 21/03/2019 - 13:49
            +1

            @Jolakot: Absolutely nothing wrong with a welfare state - I believe we can do much more for our vulnerable and not as fortunate people living in our community. If someone wants to rely on the pension, go for it but I bet it would suck! If we all paid more taxes so hospitals and community services are properly funded - count me in.

            The OP said people (on below min wage or don't want to work) who rely on the government are sponging off …. I commented that people who are well off can also "sponge" off the government - and gave my examples on why I believed that.

            Why more fortunate people who are tightasses annoy me, for obvious reason - they can afford it but too tight, too worried or too anxious to spend - life is living, doesn't matter how much you have - just enjoy it and make the most of what you have. No need to over think things.

          • TheMindsetTraveller on 21/03/2019 - 13:58
            +2

            @Jolakot: I will give you my example; about 8 years ago my taxable income was around $45,000 despite earning six figures from my work and having three investment residential properties being rented out. Now, because my employer PAYG tax, I ended getting a significant tax refund after my taxes were submitted.

            I am kicking myself now because I should have bought another investment and try and bring my taxable income further down with another negatively geared property. Plus the housing boom, if I had bought that one more property, that value would have almost doubled and I would be laughing today (despite the >10% price drop).

            So yes, I am not a good contributor (then despite having good cash flow). You should be annoyed at people like me to - but then again, some multinationals pay little company tax.

            • Jolakot on 21/03/2019 - 14:49

              @TheMindsetTraveller: And in that time you provided rent below cost, a social benefit.

              When it comes time to sell your taxable income will include capital gains, and the government will get paid.

              You either buy negatively geared property with capital appreciation being the main goal or a positively geared property that provides direct income with little capital growth, like an apartment.

              The government gets their cut regardless.

              • Geoff-bargain on 21/03/2019 - 18:49

                @Jolakot: Unless you don't sell

              • try2bhelpful on 22/03/2019 - 12:28

                @Jolakot: Rent is not a net benefit if it causes houses to go higher than the average person can pay, because the investor is getting a tax benefit. Real estate speculators give themselves a warm fuzzy feeling sayin those sort of things but they are just pissing in everyone’s pocket. More than happy for prices to drop, speculators to go broke and the housing market to return to sane levels. Housing as an investment option is retrograde.

    • mini2 on 22/03/2019 - 08:51

      Your assumption is that everyone buys a property to make a loss and hopefully scoop something up in the forms of tax savings. This won't get far with lenders, they want cashflow.

      • TheMindsetTraveller on 22/03/2019 - 13:31

        Obviously a borrower's capacity to repay is a separate and important consideration for lending purposes. No lender in their right mind in today's financial climate (esp after the royal commission) will lend people who can't afford it. Five years ago, ime lenders wanted to give me literally whatever I wanted.

        For tax purposes, negative gearing may not be the one and only goal but it is very useful tool to use. Over a million Australians utilise negative gearing at any one time, and because of this popularity - Labor will lose the election on this issue alone. Removing this 'benefit' for future investments and hoping to claw back up to $3billion each year that people claim from negative gearing, is going to make Labor lose - but I can see why they want to do this.

        When I bought my first investment 13 years ago, I had very little idea what negative gearing was. My goal then was to buy a place so that I could rent it out, and my tenant would 'help' me pay my mortgage off quicker. Little did I know all the things you could deduct because you owned a property for investment only purposes.

        Property prices have gone up, up, and up but my actual property, the bricks, the concrete, the walls, the floors - they get older each day that goes by, it gets more worn each day that goes by, and this is losing me money - this for tax purposes, is depreciation - and this is one of the biggest deduction component for investment properties.

  • DarthAntz on 20/03/2019 - 16:22
    +5

    There is a lot to learn from the examples of earning and spending here.

    Don't forget its the internet. Getting triggered from reading something online means its time for a walk outside.

    It's important in life to learn from the people who don't pay you back when you're in high school. By the time you're out of school, you're clever enough to know how people respect, in terms of money and the ability to earn and use it.

    Some of us are lucky enough to learn from siblings.

    Don't get mad, get even. Learn something new about finance or tax that will improve your situation. Learn about investment and savings. Don't be afraid to research someone else's claim for tax/investment/property advice. You can always know more.

    • Blue Cat on 21/03/2019 - 09:07
      +4

      Getting triggered from reading something online means its time for a walk outside.

      Beatiful quote. Going to use this a lot now.

  • Wystri Warrick on 20/03/2019 - 17:51
    +5

    I hate both types.

    The second type is currently bothering me more.
    When at school a few kids would actually refuse to do any work, they'd quarrel with the teachers and youth counsellors cause they didn't want to do any work like everybody else, you know what they'd say "I just come here to claim Youth Allowance/Centrelink" and then they would pretty much flip the finger to the teacher/youth counsellor.
    One guy I hate, I loathe and despise his guts, all he'd ever to was bang on about how great and wonderful he is at gaming especially fortnite, his plans to stream his gaming escapades and make a billion dollars like some streamer made in a month… He'd bang on about his escapades during class, during lunch…
    One time the maggot was grumpy, he just kept on randomly saying to people 'I'm a man, men don't talk about their problems, I'm tough' yudda yudda, he sat down at the table where I was peacefully having my lunch, had the nerve to drop "subtle" hints for money, tells me how he is such a great guy for helping out a friend by loaning him money but now he doesn't have any for his electricity…
    He also turned down a job because he didn't want to ride the bus to work for half an hour….
    He really, really, really disgusts me and that's putting it politely.

    Meanwhile one of my friends who went to the same school as me, is so poor she sleeps on cardboard boxes, can't afford a bed, can't afford a mattress.
    Her family is in private rental and the house is invested with termites, they can't afford to rent anywhere else, and as far as I know they haven't applied for government housing, I'm very certain they haven't, they just don't seem like the type to ask for help.
    She doesn't even eat 3 times a day, she gets dinner but breakfast and lunch is up to her.
    She never ever, has not once asked or even hinted for help from me or anyone.
    I could go on and on but you get the picture.
    She scored her first job earlier this year, she was so happy.
    She bought cloths, new phone galaxy s9 on a plan, oh and she now eats so much better too.
    Forgot to mention her bus ride to work is over an hour and she has to take multiple buses, though she didn't turn down the job, no she was happy to get it, oh and she works all kinds of random hours and still turns up for school every weekday.
    Oh forgot to mention she volunteers too, once a week and has been for the past 3 years.
    BTW there are plenty of other kids at the school I used to go to that are in similar situations to her.
    Also she has a mental illness/difficulties.

    So yes, there are some really low life disgusting maggots that cheat the welfare system, but there are others that truely need help, it's these people that need a leg up, this is what the welfare system is for and people with a disability.

    Forgot to mention that guy doesn't have a disability or any any mental problems.
    That guy seriously disgusts me😡.

    Apologies for my Grammer but I'm on my phone on a bus.

    • Changskies on 20/03/2019 - 19:13
      +1

      I am afraid to tell you that it's part of growing up and it is going to get worse sadly :(

      • Wystri Warrick on 20/03/2019 - 19:25

        :(.

        I've been needing to do that rant for some time, it feels so much better now.

        • Trying2SaveABuck on 20/03/2019 - 20:57
          +1

          Thanks for sharing man it puts life into perspective I went to a junk high school too and growing up i know a bunch of blokes just sponging off their parents even though they are in there last 30s

    • drfuzzy on 21/03/2019 - 12:36
      +4

      The girl sounds nice but she really shouldn't be investing in termites.

  • Illian on 20/03/2019 - 17:54
    +7

    Cheap out of touch rich bastards are extremely prevalent here. It's both pathetic and highly annoying. They do pay for it in a way by not actually being able to enjoy their lives thanks to their obsession with money and having no personality, but I'm not sure that evens out as ignorance is indeed bliss.

  • Wystri Warrick on 20/03/2019 - 19:38
    +1

    I hate humanity.

    • Lastchancetosee on 21/03/2019 - 09:04
      +2

      Try to remember that it's always easier to see the one rotten grape on a bunch. It's what you choose to focus on.

      The majority of people are trying to do the right thing, get on with their lives, are pretty reasonable citizens, etc. Forums will generally bring out more extreme or different views and stories, because that is what makes people click on the post. At least at OZB there is some good advice, humour, and useful information as well.

      • Ozpit on 21/03/2019 - 10:34
        +1

        I go to OZB for friendship. To be able to chat with people who think like me gives me faith in humanity.

    • cashless on 21/03/2019 - 15:28
      +1

      You must be a misanthropist then

      • Wystri Warrick on 21/03/2019 - 16:08

        Wasn't having the best day, and Just thinking about that guy ruffle's my feathers :(.

  • [Deactivated] on 21/03/2019 - 06:19
    +1

    Wow, your mind really is racked by assumptions and stereotypes.

    Amazing you've even got the motor function to walk to your keyboard.

  • justinh93 on 21/03/2019 - 06:52
    +5

    I actually don't mind anyone on here at all. In my opinion, this is the best community on the internet.

    Live and let live.

  • luffyex2010 on 21/03/2019 - 08:00
    +1

    I usually wear $2.50 cotton t shirts from ebgames. :)

  • ihbh on 21/03/2019 - 08:07

    Their are a bunch of people on this forum who earn big wages +150k have loads of equity in property and stocks

    People with loads of equity in property and stocks probably don't have big wages +150k because they don't work. Instead they have rental and dividend income which steadily grows over time.

  • [Deactivated] on 21/03/2019 - 08:22

    No such thing as a 99 i20, there are excels of that era though.

    • Zachary on 23/03/2019 - 13:36

      I think he was exaggerating to prove a point….

  • chumlee on 21/03/2019 - 08:26
    +5

    It's almost as annoying as posters on OzBargain who complain constantly and start stupid threads - that's my most annoying issue

    • smartazz104 on 21/03/2019 - 17:41

      Luckily you can avoid those; if you choose to comment it's your own fault.

  • Speckled Jim on 21/03/2019 - 08:33
    +1

    None of your bizwacky how they spend their money.
    Get outside and kick a footy.

  • idonotknowwhy on 21/03/2019 - 08:37
    +7

    It's still a free country, stop worrying about what other people are doing with their money.

    • Trying2SaveABuck on 21/03/2019 - 09:20
      +1

      I dont really mind what other people think but sometimes it is nice to know that you are not the only one who feels a certain way

      • humdingaling on 21/03/2019 - 12:17
        +2

        its the internet….look hard enough you are bound to find someone out there that will to align with you on anything

    • Zachary on 23/03/2019 - 13:35

      …I bet in future it won't be as free and everyone will need to conform to something or a particular style of life as directed by our mighty rulers. Divergents will be shot and killed; there is no room for error.

  • abb on 21/03/2019 - 10:34
    +7

    Judgemental people annoy me more than any of the spending patterns described.

    Rich stingy people might have come from a poor background. Or might be saving for something. Or might not be as rich as you think because they borrowed big to buy that fancy car. (Regardless, if they get an expensive drink on me then don't buy their round, I'm not hanging out with them again)

    Poor overspending people most likely don't know any better, they're doing what their parents did and their friends do, and studies have shown being poor makes you less able to make good financial decisions.

    • cashless on 21/03/2019 - 15:29
      +2

      Judgemental people annoy me more

      You mean like the OP?

      • nino24 on 22/03/2019 - 17:01

        Sounds like we are all judgemental here.

  • [Deactivated] on 21/03/2019 - 12:51
    +3

    Person A - In a "natural" economy (ie. Absence of chronic inflation), Person A only makes what they are capable of squeezing out of a dollar. It's linear profit; paid for their discomfort. They're irritating to hang around with but you they don't place any burden involuntarily on anyone else.

    Person B - consumes more than they produce. Only exist with limbs in this country. Loan sharks would have got to them elsewhere. Becomes a burden to everyone else.

  • Baghern on 21/03/2019 - 16:36
    +2

    heh, my work mates think Im a cheapskate… jokes on them… I'm OCD

    • Ozpit on 21/03/2019 - 20:49

      Overall Cheap Dude?

  • Zanadar on 21/03/2019 - 17:08
    +4

    Not meaning to be rude but reading through your blurb I could not help but notice you have your "their" and "there" mixed around the wrong way… so if you choose to learn and self improve, there you go.
    Cheers.

  • ozbjunkie on 21/03/2019 - 17:23
    +2

    Yes your clickbait title annoys me.

  • AlienC on 21/03/2019 - 19:38

    Everything annoys but I learnt a long time ago everybody even the scumbags all have their place somehow someway.. you may be just seeing one dimension of that person but everybody has many dimensions even those we hate and despise.. believe me it takes two to tango and many more to build a society.

    We are all one in someway some how.. kumbaya malo kumbaya maho (definitely incorrect spelling lol)

    • Ozpit on 21/03/2019 - 21:00
      +1

      You’re right, every ecosystem needs its bottom feeders for higher species in the food chain to prosper. Whether it be slime, maggots, bacteria, tapeworms, or as in the current ecosystem discussion - scumbags.

      • AlienC on 21/03/2019 - 21:48
        +1

        thanks for agreeing with me and acknowledging me now I can sleep and be at peace.. peacefully

        thank you Ozpit

    • Zachary on 23/03/2019 - 13:31

      No, everyone needs to conform! Perfection is paramount!

      • AlienC on 23/03/2019 - 16:11

        All in all we're just a nother brick in the wall.

  • [Deactivated] on 21/03/2019 - 21:33

    Their are a bunch of people on this forum who earn big wages +150k have loads of equity in property and stocks and are still driving a 1999 Hyundai excel, wearing $3 outfits

    God forbid they don't focus on vanity in order to feel good about themselves.

  • skywards on 21/03/2019 - 21:47
    +1

    Everybody annoys me. I hate people. I’m gonna go back under my rock

    • cashless on 21/03/2019 - 21:53

      Something wrong with the username here

  • OzBarAnon on 22/03/2019 - 12:25

    I agree with the annoyance toward both, but I do like cookies so i'm unsure as to how to spend my vote

  • peterpeterpumpkin on 22/03/2019 - 19:23
    +2

    The worst type of people are the pissheads who came up with rounds in the first place.

    "Oi! I 'ave an idea! Why don't we all buy our own bloody drinks and skip all the fake gestures to begin with."

    Or maybe spend a Friday evening after work without drowning out your sorrows in a binge session. Betty.

    • serpserpserp on 23/03/2019 - 20:00

      When I shout a round I legit don't care if we all leave the pub and go home. I do it because I genuinely feel like it.

  • negger on 22/03/2019 - 19:48

    I earn well but in reality i live pay cheque to pay cheque due to investment targets and commitments. I would love to be a cheapo and regret not being one always:-(

  • Name on 23/03/2019 - 19:06

    I know someone who was in the second group. Always flashing new phones /car / large house. Heavily in debt. Weren't able to meet repayments even with the extremely low interest rates, banks wouldn't consolidate their debt (too risky). Lost everything and now living with their parents. Declaring bankrupt and banks offered to reduce their debts by 30% if they can pay it off. Bank just gave them free money.

    Even now they'll go and buy a $5 coffee when out. They have no idea how to live within their means.

    So the 2nd group annoys me more than the first.

  • serpserpserp on 23/03/2019 - 19:59

    Now they don’t have to fit the exact picture I painted

    Can you please post the MS Paint file so we can all see?

  • tooblue on 24/03/2019 - 10:15

    Only people annoy me are those cannot use punctuation and cannot differ "there" from "their".

    • A fish on 24/03/2019 - 11:53

      There trying they're hardest. Their.

      • tooblue on 24/03/2019 - 12:23

        Try hardlier, lol!

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