Author Topic: Do People Insult You? Call you "Cheap?"  (Read 22925 times)

goalphish2002

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Do People Insult You? Call you "Cheap?"
« on: August 26, 2016, 01:10:55 PM »
I generally don't say anything to my friends and family that overspend.  However, I am called "cheap" by a lot of people.  Many people made snide remarks to me.  However, I wouldn't consider myself cheap.  I am not hoarding money like Scrooge McDuck.  I spend my money on investments and education.

Sometimes, this does bother me though.  How do you guys deal with it?

stoaX

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Re: Do People Insult You? Call you "Cheap?"
« Reply #1 on: August 26, 2016, 01:19:22 PM »
Nobody calls me cheap.  I tend to avoid the subject of money and hide the fact that I have more money than most people.  I've never bought a new car, but nobody notices / cares.  I drive a 2005 Camry with 140,000 miles on it.  It doesn't have any major glaring issues or anything, it's thoroughly anonymous.  I go clothes shopping once a year when things are on sale.  I don't go out with my friends that much but when I do I make sure to pay my fair share and not complain about the price of anything. 

I think I'd need more information to know whether you are truly cheap or if your friends are over-spenders.  I'm not sure why it should come up so much.

That pretty much sums up my experience as well.  (2008 corolla instead of 2005 camry...and as far as clothes go I wear whatever my wife, mother and mother-in-law buy me).

Perhaps I just have polite friends and relatives. 

goalphish2002

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Re: Do People Insult You? Call you "Cheap?"
« Reply #2 on: August 26, 2016, 01:26:13 PM »
Nobody calls me cheap.  I tend to avoid the subject of money and hide the fact that I have more money than most people.  I've never bought a new car, but nobody notices / cares.  I drive a 2005 Camry with 140,000 miles on it.  It doesn't have any major glaring issues or anything, it's thoroughly anonymous.  I go clothes shopping once a year when things are on sale.  I don't go out with my friends that much but when I do I make sure to pay my fair share and not complain about the price of anything. 

I think I'd need more information to know whether you are truly cheap or if your friends are over-spenders.  I'm not sure why it should come up so much.

I drive a 2009 Nissan Sentra; it is paid off.  I have a long commute, and it was practical.  My friends all think I made a ridiculous income because I am graduating with a M.S. in Accounting.  However, I am not and have tried to explain I am not wealthy.  They are just ignorant I guess.  I make 68K a year.  My wife is a speech therapist and she makes about 46K- she could make more but loves working in a school.  We are trying to pay off her vehicle, paying for my last two masters courses out of pocket, and working to pay off her student loans.  Our house will be next. 

Most of my family and friends have nicer homes and cars.  I know they are not wealthy- they are just in debt.  It seems like they believe this is how it is suppose to be.  I try to not talk about my job or money.  This seems to add more mystery apparently.  I know how much they make because they speak about their income and how much they spend.  I am not hiding anything- I just don't have much to say and don't feel like having to defend myself.  For example, my wife and I buy each other a nice gift at Christmas.  We buy our daughter gifts; she's only 2.  But we don't spend thousands of dollars like others I know that make way less than we do.   

TheAnonOne

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Re: Do People Insult You? Call you "Cheap?"
« Reply #3 on: August 26, 2016, 01:28:04 PM »
I generally don't say anything to my friends and family that overspend.  However, I am called "cheap" by a lot of people.  Many people made snide remarks to me.  However, I wouldn't consider myself cheap.  I am not hoarding money like Scrooge McDuck.  I spend my money on investments and education.

Sometimes, this does bother me though.  How do you guys deal with it?

I think most of these situations are self-created, what are you doing that screams "cheap" are you OPENLY complaining about prices? Activities? Cars? Making ends meet?

What reason are you giving other people?

goalphish2002

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Re: Do People Insult You? Call you "Cheap?"
« Reply #4 on: August 26, 2016, 01:31:04 PM »
I generally don't say anything to my friends and family that overspend.  However, I am called "cheap" by a lot of people.  Many people made snide remarks to me.  However, I wouldn't consider myself cheap.  I am not hoarding money like Scrooge McDuck.  I spend my money on investments and education.

Sometimes, this does bother me though.  How do you guys deal with it?

I think most of these situations are self-created, what are you doing that screams "cheap" are you OPENLY complaining about prices? Activities? Cars? Making ends meet?

What reason are you giving other people?

I swear that I say nothing.  It is that I pull up in a Sentra and I'm educated.  Many of my friends are several years younger and without children.  They trade in cars constantly and think I'm not living the life because I am not trying to impress other people.  I think it is more that I actually don't discuss my income or bills.  They do- therefore  they think I must make a killing and have no bills at all?

tonysemail

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Re: Do People Insult You? Call you "Cheap?"
« Reply #5 on: August 26, 2016, 01:32:18 PM »
yeah, my sister calls me cheap all the time.  so what?  we both get a laugh out of it.
i'm ridiculous and i know it, but that's how i get to retire earlier than her.
just own it and move on.

Frankies Girl

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Re: Do People Insult You? Call you "Cheap?"
« Reply #6 on: August 26, 2016, 01:37:14 PM »
A close family member has called me all manner of names...

cheap: for not shelling out money on cheap, breakable items and preferring to do more research or figure out an alternative that uses items I already have in possession. Throw money at the problem or else you're cheap!

pretentious: for eating at "La Madeline" for heavens sake! And then turn around and disparage my staying in a nice, clean but low cost motel instead of blowing gobs of money on a 3 star hotel... when I'm only in the room to take a shower and sleep.

a luddite: for not preferring to text for communications when trying to chat and catch up on their life; gee sorry I think a few restricted characters on a screen is a poor method of real communication. Fine for saying "pick up some milk" or "the appointment was changed to 4pm" but I guess I'm a luddite if I prefer to actually talk to someone when I haven't seen them in a while. ~eyeroll here~ Oh, and they still do paper bills and send in checks because they don't trust online bill pay... 

I usually just laugh since this person has such poor decision making skills and is such a poor judge of quality/character and unable to think more than a month or two ahead... I really don't care what they think of me. Honestly I'd be shocked and amused if they did see me as anything other than making poor decisions based on their value system.

But that is kind of how I feel about anyone saying that stuff... I honestly don't give a flying fuck what they think because anyone that is critical of my decision/value system is not someone I wish to impress or emulate in any case. So I take it as a confirmation that I'm doing the right thing, rather than as a judgement against my character or something. It says more about them than it does me.  ;)


goalphish2002

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Re: Do People Insult You? Call you "Cheap?"
« Reply #7 on: August 26, 2016, 01:40:49 PM »
I generally don't say anything to my friends and family that overspend.  However, I am called "cheap" by a lot of people.  Many people made snide remarks to me.  However, I wouldn't consider myself cheap.  I am not hoarding money like Scrooge McDuck.  I spend my money on investments and education.

Sometimes, this does bother me though.  How do you guys deal with it?

I think most of these situations are self-created, what are you doing that screams "cheap" are you OPENLY complaining about prices? Activities? Cars? Making ends meet?

What reason are you giving other people?

I swear that I say nothing.  It is that I pull up in a Sentra and I'm educated.  Many of my friends are several years younger and without children.  They trade in cars constantly and think I'm not living the life because I am not trying to impress other people.  I think it is more that I actually don't discuss my income or bills.  They do- therefore  they think I must make a killing and have no bills at all?

Maybe you need to get new friends that are more in the same boat as you?

Good point about the friends.  However, I can't trade in my family...unfortunately.  These are people that have unlimited data on their cell phones, and I buy their kids shoes for school.  Then, I'm cheap because I didn't buy them Jordan's.  I'm serious...

goalphish2002

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Re: Do People Insult You? Call you "Cheap?"
« Reply #8 on: August 26, 2016, 01:41:50 PM »
A close family member has called me all manner of names...

cheap: for not shelling out money on cheap, breakable items and preferring to do more research or figure out an alternative that uses items I already have in possession. Throw money at the problem or else you're cheap!

pretentious: for eating at "La Madeline" for heavens sake! And then turn around and disparage my staying in a nice, clean but low cost motel instead of blowing gobs of money on a 3 star hotel... when I'm only in the room to take a shower and sleep.

a luddite: for not preferring to text for communications when trying to chat and catch up on their life; gee sorry I think a few restricted characters on a screen is a poor method of real communication. Fine for saying "pick up some milk" or "the appointment was changed to 4pm" but I guess I'm a luddite if I prefer to actually talk to someone when I haven't seen them in a while. ~eyeroll here~ Oh, and they still do paper bills and send in checks because they don't trust online bill pay... 

I usually just laugh since this person has such poor decision making skills and is such a poor judge of quality/character and unable to think more than a month or two ahead... I really don't care what they think of me. Honestly I'd be shocked and amused if they did see me as anything other than making poor decisions based on their value system.

But that is kind of how I feel about anyone saying that stuff... I honestly don't give a flying fuck what they think because anyone that is critical of my decision/value system is not someone I wish to impress or emulate in any case. So I take it as a confirmation that I'm doing the right thing, rather than as a judgement against my character or something. It says more about them than it does me.  ;)

Very well said. 

GuitarStv

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Re: Do People Insult You? Call you "Cheap?"
« Reply #9 on: August 26, 2016, 01:43:40 PM »
Cheap isn't an insult, it's a badge of honour.

Zikoris

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Re: Do People Insult You? Call you "Cheap?"
« Reply #10 on: August 26, 2016, 01:55:50 PM »
In my family we frequently say "You cheap bastard" to each other, in a really bad fake British accent. Any time someone is exceptionally cheap about something, which is common. And everyone laughs and carries on. I have no idea how it started, but it goes back to childhood at least.

gggggg

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Re: Do People Insult You? Call you "Cheap?"
« Reply #11 on: August 26, 2016, 02:35:01 PM »
I never get called cheap, my best friend however is frugal too, and gets it all the time, like every day. Strange.

boarder42

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Re: Do People Insult You? Call you "Cheap?"
« Reply #12 on: August 26, 2016, 02:40:09 PM »
i think you're worrying about something not worth worrying about.  i would wear that statement with like a badge of honor.  plus if they are giving you shit for buying something for their kids they cant afford i'd quit buying it.

Bajadoc

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Re: Do People Insult You? Call you "Cheap?"
« Reply #13 on: August 26, 2016, 05:36:06 PM »
It bolsters my resolve. I am rarely called cheap, but when I am, I think the person saying it is an idiot. I am still nice to them and kind of feel sorry that they are so stupid.

Curbside Prophet

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Re: Do People Insult You? Call you "Cheap?"
« Reply #14 on: August 26, 2016, 05:38:32 PM »
Nobody calls me cheap.

Damn you're a cheap bastard.

There ya go! :)

redcedar

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Re: Do People Insult You? Call you "Cheap?"
« Reply #15 on: August 26, 2016, 05:49:56 PM »
Eventually they will shift from calling you cheap to calling you retired while they continue to work. You should avoid reminding them that they called you cheap. you know it won't go well.

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Re: Do People Insult You? Call you "Cheap?"
« Reply #16 on: August 26, 2016, 06:12:45 PM »
The fun part is distinguishing between 'cheap' and 'smart'.

There was a car commercial a few years ago that brilliantly relayed this message. A man was washing his newly purchased car in his driveway when his neighbour inquired about the price of the car. After he told him the price, his neighbour responded 'wow, that's cheap' - to which the other neighbour remarked 'No, it's smart. Cutting your own hair, that's cheap." At which time they cut to the man's hair which looks like it was cut by his cat.

Never accept someone calling you cheap when you're really just frugal.

Abe

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Re: Do People Insult You? Call you "Cheap?"
« Reply #17 on: August 26, 2016, 10:08:56 PM »
Your family members are mean, ungrateful jerks based on your example. Don't value their opinions just because you are related. Only value the opinions of those who have earned your respect in these matters. If that person says something, it hurts more, but may be true and is worth considering as good advice.

PAstash

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Re: Do People Insult You? Call you "Cheap?"
« Reply #18 on: August 26, 2016, 10:40:22 PM »
I say something like ... people spend money on things they want. So I don't want a new car. I don't want a bigger house. I don't want brand name threads. I want to invest I explain to them that I like to invest. I enjoy it. it's my hobby.

moneetalks

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Re: Do People Insult You? Call you "Cheap?"
« Reply #19 on: August 27, 2016, 12:17:48 AM »
As I'm sure you are aware, there is a key difference between being frugal  - and being cheap.  But sometimes its easy to let frugality get too extreme.  I'm majorly frugal...but the only person who's ever called me "cheap" is an ex-wife to whom I've been most overwhelmingly generous.  In other words...to my knowledge I am really never accused of being cheap.(of course I may be delusional) ;)

While I know the nature of your question probably stems from the simple fact that others can easily misconstrue your sensible personal financial behavior as being "cheap".  I would also agree that maybe you should take an honest look at whether maybe you could BE kinda cheap(?)

Be sensible about where you spend your money.  But spend freely on the things you really love, tip generously, and remember that that is WHY you do this in the first place - to enjoy a rich and fulfilling life!  And then you won't and shouldn't give a rats ass what those people think any way!

clarkfan1979

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Re: Do People Insult You? Call you "Cheap?"
« Reply #20 on: August 27, 2016, 02:40:05 AM »
My dad was helping me rehab a rental house. He got really frustrated with me because I wouldn't buy a new refrigerator. I got a $1200 used refrigerator for $375. He yelled at me in frustration and said, "YOU NEED TO START SPENDING SOME MONEY!"

I told him that his refrigerator was used because it's 5 years old. I then asked him if he buys a new refrigerator every year. He walked away and we left it at that.

I know a couple that has come close to calling us cheap, but never did. They are spenders and constantly complain about not having any money. We never bring it up. My wife got a raise and they gave her a hard sell to get a 50K Mercedes. My wife was like, "no, I'm going to pay off my student loans."

havregryn

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Re: Do People Insult You? Call you "Cheap?"
« Reply #21 on: August 27, 2016, 02:53:39 AM »
My mother who grew up in communism can't really understand some of our life choices, she used to be mean about it or at least just absurd (like saying stuff like "but other people will think you don't have money" as if that were an insult in its own right). I think by now she accepted husband and I will never display wealth in a way she sees fit.
I often get hurt by her comments as I think we are actually quite generous in ways that are not mustachian, let alone "cheap" (I often buy lots of gifts for her neighbors' kids as I know they help her a lot and are dirt poor and often overpay them for services I could get cheaper on the market just so I feel I am compensating them for all the free assistance they give her) . But she was raised in a mind frame where your successful expat kid has to come home in a fancy car wearing flashy clothes and everything else is a sign of failure. Nothing I can do to make her feel better though, I hate driving and I hate buying clothes, I guess she and all the "people" will just have to assume we are rich, but cheap.

BlueHouse

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Re: Do People Insult You? Call you "Cheap?"
« Reply #22 on: August 27, 2016, 03:26:00 AM »
I was raised catholic, so the only real communication my family understands is guilt.
In your shoes, I would say very calmly and in the voice that makes people want to punch you  "I am sorry you don't like the brand of shoe I bought for your child. Perhaps next time you will pick the brand you like and pay for them yourself ." 

Try to make them cry with guilt. But if instead they fight back and yell louder, then you've touched a nerve.
But that's just how we do things in my family. Real communication is frowned upon.

RobFIRE

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Re: Do People Insult You? Call you "Cheap?"
« Reply #23 on: August 27, 2016, 05:08:27 AM »
Generally I am a bit careful discussing FIRE/personal finance ideas. First, there's no point talking to somebody about the 4% SWR concept if they currently eat out for lunch every day, have no emergency fund and a big car loan (learn to walk before you run). I might politely discuss with them the cost versus enjoyment/value of eating out every day as a starting point, see if they might agree that eating out less often and cutting some optional spending would put them in a better position. Secondly, as OP described, for most people if they hear about something they don't do, that might seem better but involves some lifestyle changes that could include short term self-control or restraint, they will normally reject it straight away and if pushed further go on to aggressively defend their current position, insulting you as part of it. There is unfortunately little that you can do about those kind of people in the short term, so best to leave them alone (they'll likely follow like sheep when everybody else starts doing it).

If strangers/acquaintances call me cheap or similar then I'm perfectly happy to ignore them, and do so. Fortunately all my good friends are all financially aware, and while they may not be targeting FIRE specifically they do understand the value of money in the bank, planning for the future and can differentiate between necessary and optional spending, so I can talk about big picture financial concepts with them.  You can't choose your family, nor (typically) get a way with ignoring them, so what can be useful is to take the conversation on a tangent, so if asked why I don't own a house or operate as a buy to let landlord, I discuss house price/rent ratios, management fees/maintenance costs and yields on property funds: the mental maths and range of conflicting factors is normally enough to confuse them into submission, or at least allow them to admit that in my specific scenario what I'm doing could temporarily be OK (without having to compromise their general view). In short, that may be called "intellectualizing the problem" and can only be used selectively...

Fearthebait

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Re: Do People Insult You? Call you "Cheap?"
« Reply #24 on: August 27, 2016, 08:01:12 AM »
When I first got to my latest job I would eat out at this place called "Cluckers" 2-3 times a week. I loved it. Everyone loved going but when I switched to FI and started bringing my lunch everyday, suddenly I was cheap to my coworkers. I still went with them for socialization, but I simply enjoyed my Sandwich instead of the Chicken Caesar Salad for $12. Maybe they just feel bad for you and try to guilt you into paying to be "happy"? Who knows.

SeaEhm

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Re: Do People Insult You? Call you "Cheap?"
« Reply #25 on: August 27, 2016, 09:29:40 AM »
Someone in my life calls me cheap all the time. 

Always saying things like:

"Just buy it if you really want it."
"Don't settle in life."
"Why are you so cheap?"
"You aren't broke, buy what you want."
"Shut the hell up and let me order the damn fish filet if I want to!  I don't want to order off the value menu! I only like eating the fish filet at McDonalds! %$@#&!" 

pbkmaine

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Re: Do People Insult You? Call you "Cheap?"
« Reply #26 on: August 27, 2016, 09:49:23 AM »
I refer to myself as cheap. If you joke about yourself, you deprive others of ammunition.

VladTheImpaler

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Re: Do People Insult You? Call you "Cheap?"
« Reply #27 on: August 27, 2016, 09:51:31 AM »
I generally don't say anything to my friends and family that overspend.  However, I am called "cheap" by a lot of people.  Many people made snide remarks to me.  However, I wouldn't consider myself cheap.  I am not hoarding money like Scrooge McDuck.  I spend my money on investments and education.

Sometimes, this does bother me though.  How do you guys deal with it?

I have family members like that too and I've started limiting communication with them because being around them is not productive.
Gaining financial health is very similar to losing weight or getting in shape...people who don't have the discipline necessary will feel jealous of those who do.

Another similar situation arises when Mustachians try to date!
Most people will assume you are cheap at first if you don't want to go on expensive date, so being fun and creative is key.

I posted something similar to you a while back (in regards to driving an older economy car) and got really great feedback telling me to stop giving a fuck about what other people think.
It helped me out tremendously.

Oftentimes, we assume people are judging us when in fact they are so self-conscious and self-absorbed that they are fearing the same "judgement" from you.

Being Mustachian basically means being a Contrarian in a consumerist society.

The longer I browse these forums I have noticed that the really active people on here are all very comfortable strongly stating an informed opinion and defending it. They have no qualms about being respectfully disagreeable.


Frugal D

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Re: Do People Insult You? Call you "Cheap?"
« Reply #28 on: August 27, 2016, 12:04:40 PM »
saying stuff like "but other people will think you don't have money"

Hahaha. Isn't that the point?

I don't know about others here, but my goal is to be the richest homeless-looking person in the world. In general, poor people want everyone to think they have money and wealthy people don't want anyone to know they have money.

Davids

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Re: Do People Insult You? Call you "Cheap?"
« Reply #29 on: August 27, 2016, 03:04:12 PM »
Just be like Pee Wee Herman and say I know you are but what am I.

Miss Prim

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Re: Do People Insult You? Call you "Cheap?"
« Reply #30 on: August 27, 2016, 06:46:28 PM »
My brother and his wife always called my husband cheap, but we would just basically laugh all the way to the bank!  They always had new cars, clothes, etc.  Now my sister-in-law is having some health problems and hates her job and would like to retire when she is 62 at the end of the year, but they still owe money on their house and all of the things that they refinanced the mortgage to pay for.  I retired at 61 and am still not collecting SS until 65 or 66 because we don't really need it and I am letting it grow.  I feel bad for her, but they made their own decisions to live it up and spend about everything they made.  My husband and I, we finally bought our first new car after I retired, and have been busy travelling and enjoying our retirement.

I'll take being called "cheap" anytime!

                                                                               Miss Prim

frugalcoconut

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Re: Do People Insult You? Call you "Cheap?"
« Reply #31 on: August 27, 2016, 06:53:37 PM »
"Shut the hell up and let me order the damn fish filet if I want to!  I don't want to order off the value menu! I only like eating the fish filet at McDonalds! %$@#&!"

OMG my eyes are tearing up because I'm laughing so hard ... ROFL!!  Thank you for that.  :)

Pigeon

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Re: Do People Insult You? Call you "Cheap?"
« Reply #32 on: August 27, 2016, 08:08:46 PM »
Nobody calls me cheap.

Damn you're a cheap bastard.

There ya go! :)

We call ourselves cheap all the time, but we point our fingers and shout, "Stingy Bastard!!!" a la Bloody Mary in South Pacific
I don't especially care if people think we are cheap--we use our money where it gives us happiness and good value.  Investing makes us happy, fancy vacations, manicures and leased fancy cars do not. 

If you really care what these people think, perhaps it's worth one serious conversation, where you explain that cars and stuff don't make you happy and that the quality of your life wouldn't be improved by driving a 2017 Beemer.


SeaEhm

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Re: Do People Insult You? Call you "Cheap?"
« Reply #33 on: August 28, 2016, 09:24:55 AM »
"Shut the hell up and let me order the damn fish filet if I want to!  I don't want to order off the value menu! I only like eating the fish filet at McDonalds! %$@#&!"

OMG my eyes are tearing up because I'm laughing so hard ... ROFL!!  Thank you for that.  :)

Why, thank you!  You compliment nearly fully offsets having a very upset wife. ;)

SeaEhm

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Re: Do People Insult You? Call you "Cheap?"
« Reply #34 on: August 28, 2016, 09:27:09 AM »
Nobody calls me cheap.

Damn you're a cheap bastard.

There ya go! :)
where you explain that cars and stuff don't make you happy and that the quality of your life wouldn't be improved by driving a 2017 Beemer.

Cant...listen...to...what...you...are...saying...



They look like they are having fun.

RedmondStash

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Re: Do People Insult You? Call you "Cheap?"
« Reply #35 on: August 28, 2016, 03:48:08 PM »
Other people don't call me cheap, though I refer to myself as a "cheap bastard" all the time in jest -- typically as I'm bringing in lunch or treats or gifts for my team at work.

I'm actually really generous with other people, and I think those around me have seen that. When we talk about money (which is rare), they know where I stand, but I don't make a big deal of it.

I save money so I can spend it on what's important, which, for me, includes the people I care about. No one has yet seen fit to complain.

FrugalShrew

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Re: Do People Insult You? Call you "Cheap?"
« Reply #36 on: August 28, 2016, 04:37:58 PM »
I refer to myself as cheap. If you joke about yourself, you deprive others of ammunition.

Yes! I've taken to calling myself a miser :)

Libertea

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Re: Do People Insult You? Call you "Cheap?"
« Reply #37 on: August 28, 2016, 07:12:24 PM »
I generally don't say anything to my friends and family that overspend.  However, I am called "cheap" by a lot of people.  Many people made snide remarks to me.  However, I wouldn't consider myself cheap.  I am not hoarding money like Scrooge McDuck.  I spend my money on investments and education.

Sometimes, this does bother me though.  How do you guys deal with it?
I laugh and thank them.  I *love* being called cheap by people who are spendthrifts.  It reaffirms to me that I'm doing the right thing by not following their example.  My family actually doesn't hassle me too much, which may be in part because I'm the one who is funding my sister's kids' college tuitions.  I'm not cheap about absolutely everything, you see.  Only the things I don't want to spend money on.

That being said, if it's a family member you're living with (especially a spouse/SO) or a close friend who is complaining about your being "cheap," some renegotiation of acceptable spending levels may be necessary.  You don't want your loved ones to feel like they're in a relationship with a miser who is depriving them of their happiness.

aceyou

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Re: Do People Insult You? Call you "Cheap?"
« Reply #38 on: August 28, 2016, 07:48:09 PM »
Own it and make it fun to be called cheapl!

My favorite is when people say "just buy that _____, you only live once". 

I say something to the effect of "Exactly!!!!  If I knew I could live many times, then I'd say fuck it and blow my money.  But since I only live once, I want to spend as much of that time retired as possible!"

Then, every time I'm around them and do something extraordinarily frugal/cheap, I give them a smile and shout out YOLO!!!!


Evgenia

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Re: Do People Insult You? Call you "Cheap?"
« Reply #39 on: August 28, 2016, 09:15:16 PM »
Most people have no idea we achieved FIRE in our late 30s (we're quiet about it for a lot of reasons), and we occasionally get comments about our frugal ways when friends visit for a BBQ or somesuch.

One friend could see laundry hanging on the line in our backyard and commented, "Have things really gotten that bad? Maybe leaving your jobs wasn't such a bright decision after all." Before I could say anything, a dear friend of mine replied, "I don't know. I think laundry looks lovely beside a paid-off house, don't you?" She outed us as FIRE but I had to forgive her, for her cleverness. The person who made this comment, by the way, spent literally ALL the money and company stock he had on a $1.7 million *condo* in San Francisco this year, in a ridiculous area, and he still has a massive mortgage.

Similarly, another friend called me "old world" because I happened to be baking bread when he stopped by, AND there was chicken stock in the making in the pressure cooker. COOKING: SO WEIRD AND STRANGE. My family is literally from the "old world," as in Poland, and I would only ever take this as a compliment, which I told him. I wish I could be half as awesome as my old world parents and grandparents and the hell they've survived, and their masterfully frugal ways. I told him he didn't need to eat the bread and chicken soup if they weren't modern enough for him, and he looked wounded. Whatever.

SwordGuy

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Re: Do People Insult You? Call you "Cheap?"
« Reply #40 on: August 28, 2016, 09:30:53 PM »
I was raised catholic, so the only real communication my family understands is guilt.
In your shoes, I would say very calmly and in the voice that makes people want to punch you  "I am sorry you don't like the brand of shoe I bought for your child. Perhaps next time you will pick the brand you like and pay for them yourself ." 

Try to make them cry with guilt. But if instead they fight back and yell louder, then you've touched a nerve.
But that's just how we do things in my family. Real communication is frowned upon.

I am sorry you don't like the brand of shoe I bought for your child. Perhaps next time you will pick the brand you like and pay for them yourself, you ungrateful prick.

There, fixed it for you.

People that insensitive and self-absorbed can't grasp subtle insults.

Turnbull

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Re: Do People Insult You? Call you "Cheap?"
« Reply #41 on: August 28, 2016, 10:01:41 PM »
My dad was helping me rehab a rental house. He got really frustrated with me because I wouldn't buy a new refrigerator. I got a $1200 used refrigerator for $375. He yelled at me in frustration and said, "YOU NEED TO START SPENDING SOME MONEY!"

I told him that his refrigerator was used because it's 5 years old. I then asked him if he buys a new refrigerator every year. He walked away and we left it at that.



Your dad's never tried to make money with rentals, has he?

WackyTomato

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Re: Do People Insult You? Call you "Cheap?"
« Reply #42 on: August 28, 2016, 11:18:54 PM »
I have been called cheap a few times but only from people with massive consumer credit card debts and student loans they elect to not repay with part of their disposable income.  Therefore, to be honest, I don't give a fuck.

2buttons

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Re: Do People Insult You? Call you "Cheap?"
« Reply #43 on: August 29, 2016, 03:48:19 AM »
Within my circle of friends I am out kicking my coverage on income big time. No one has a clue because I am self employed.  I purchased a home last year that was approximately 50% of the price that two of my friends purchased this year.  I get made fun of for being cheap or looking for the "deal."  They literally celebrate lifestyle creep.

I am human, so every once in a while it bothers me, but most of the time, I tend to chuckle and say something like, "yeah, life is expensive," to perpetuate the misconception. God willing, I cannot wait to have the last laugh though.

This may sound a little nefarious, but honestly, I tried to convert a few of them, and they all either insulted the idea or made fun of me for shunning consumerism.   I tried.

Enjoy your badges of honor - the more you get, the easier they are to sew to your shirt.

Drifterrider

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Re: Do People Insult You? Call you "Cheap?"
« Reply #44 on: August 29, 2016, 05:25:19 AM »
In my family it is a badge of honor.  We call it the Davis Financial Plan.  We actively try to beat each other out on who got the best deal.

As to others, I tell them I'm thrifty.

Squirrel away

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Re: Do People Insult You? Call you "Cheap?"
« Reply #45 on: August 29, 2016, 05:33:33 AM »
I refer to myself as cheap. If you joke about yourself, you deprive others of ammunition.

Yes, I do that too. I'm sure people do call me cheap, but I assume it's behind my back, lol.

lampstache

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Re: Do People Insult You? Call you "Cheap?"
« Reply #46 on: August 29, 2016, 07:51:46 AM »
My wife... LOL

Duchess of Stratosphear

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Re: Do People Insult You? Call you "Cheap?"
« Reply #47 on: August 29, 2016, 08:20:28 AM »
I haven't gotten called cheap, but I do get looks from people. I don't dress like a million dollars--pretty much wear the same dozen or so items every week while some coworkers don't seem to wear the same thing for a month or two. A few years ago, I bought a $200 Subaru as a snow car. It looked a bit rough, and I realized I was getting judgy looks from people sometimes--that had never happened before when I drove newer cars. At the time, it bothered me a little, but I hope that now if I drove a car like that, I wouldn't give a crap. It's a good thing, since I plan to drive my current Subaru until the wheels fall off.



Spitfire

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Re: Do People Insult You? Call you "Cheap?"
« Reply #48 on: August 29, 2016, 08:54:28 AM »
I don't get called cheap, to my face anyway. I don't talk about money and I don't complain about things being "expensive." Sometimes I will get asked about why I do something, and my (truthful) answer has nothing to do with money. Saving money just seems to be a nice side effect of how I live.

For example, yesterday someone asked why I built my living room TV stand instead of buying one at IKEA. I told them I did it so that I could have the specific dimensions I wanted, which is true. It happened to cost less as well, but that wasn't my main motivation and I didn't mention it.

JCfire

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Re: Do People Insult You? Call you "Cheap?"
« Reply #49 on: August 29, 2016, 09:17:42 AM »
I think that sometimes words leave a deeper impression than actions.  People who see your car and your clothes and maybe know something about how often you eat at a restaurant still only catch a glimpse of your total spending activity (and that only if they are paying attention).  People who talk constantly about how expensive things are, about money troubles and budgets etc, grab much more attention than people who quietly lead a low-spending lifestyle.