I'm bringing this subject up because I've seen a LOT of PA posts floating around on cm as well as the "lazy middle class who should work harder...." etc posts floating around.
My husband and I are middle class people that work DAMN hard at not being poor and not living paycheck to paycheck. We both have awesome full time jobs. I currently work as "security" (because I can't say what I exactly do) at a large "department store" (again due to the nature of my job cat say where I work) and my husband works at a communications job (again due to the nature of his job can't say what he does or where: which he just got his 10 year pin.) We both have full benefits, full 40 hours a week. With our income we are still considered "middle class".
However. We have no debt. And here's why....
1) on Sundays after church, Sunday naps, and football (yes football fans! Opposing teams of course!) And after the lil one is in bed, we watch our Sunday shows. While doing so, I go through my Sunday paper and Wednesday paper and clip coupons. I save the ones I don't clip for a coupon switching group I'm in at church on Wednesday nights. Then I go through ALL of the grocery ads. I do not discriminate. I have found stealler deals in all sorts of grocery ads. I organize these all in a notebook.
I organize it line by line as such:
1) russett 10lb potatoes .88cents @ Frys. Coupon for $1 off.
2) charmin bath tissue double roll @ Bashas for 5.45 coupom $1 off.
I organize it as such to make check out smoothly. I organize my coupons to coincide with my list. I organize the belt according to my list to make price matching go smoother.
2) we automatically take our tithe of the month out at the first checks (mine and his) and tithe our church.
3) we take 200 dollars: 100 from his and 100 from mine. And 100 goes into our savings and 100 into our childrens. This is all of our checks.
4) we set a monthly budget that we check every week to make sure we are on track.
5) We buy in bulk. Costco diapers are 200 count for 30 bucks. We've constantly had 5 dollar off coupons. So for 25 bucks a box of kirkland diapers so we buy 3 boxes. Never know when we will have more of those coupons. You can ALWAYS exchange for a bigger size.
6) We have Christmas/Birthday/anniversary shopped and scouped up deals/coupons all year long since January.
7) We are not afraid to use discount programs. For instance KMART and Sears who are sister companies have the "Shop Your Way Rewards program. Where you literally earn money every time you shop there. Then we use that cash.
8) our house rules are;
a) no sale/coupon/price match no purchase unless absolutely needed.
b) we don't buy unless we need it.
c) no cash means no purchase. We refuse to be in debt.
9) fill up at the cheapiest gas station on the way home from work every pay day or as needed. We pay 3.11 at that gas station vs 3.35 at the gas station by our home.
10) and finally, we make "wish lists" of things we desire/want/need. That once a month we budget it in or depending on the price we buy. Because your peace and happiness is what makes a difference.
Its all the mind set. Determination.
So do you STILL think that middle class people are lazy?
(PS: my coupon clipping and price matching list takes maybe an hour or hour and a half.)