An Ode to Toys R Us

So this week on Monday night, Toys R Us filed for Chapter 11 bankruptcy. 😦 After the holiday season this year, Toy R Us will start closing some of its stores. Probably surpassed by Amazon and Wal-Mart, it was only a matter of time until Toys R Us went under.

Toys R Us going bankrupt is sort of sad thing for my millennial heart. When I was younger, if I ever wanted to buy a toy with my birthday or Christmas money, it would be at Toys R Us. I would basically gather my money gifted to me on a special occasion eagerly and buy the latest Gameboy that came out that year. As a child, I loved Gameboys and unlike what Generation Z plays today on their smartphones (okay, everybody else too), Gameboys were the ‘it’ electronic gaming device of its day. The little 8-bit games were very saavy and pretty for their time and I particularly enjoyed playing Pokemon games on my new Gameboys. I know now that the Gameboys were probably a waste of my money now that I think about it, but as a kid, I found them to be a good purchase because they would entertain me on hours upon end. 🙂

Then when they added their stuffed animal area in at our local Toys R Us, I just had to go to that area and stare at all of the pretty new looking stuffed animals. Maybe even hug a few. I remember always wanting a pink or purple unicorn stuffed animal (can’t remember the color) and it was around $70.00. Looking back now, sheesh… I also remember looking at all of the Crayola crayon boxes and wanting the ‘ultimate’ set of crayons with every color in it and let’s not forget the crayon sharpener that comes in the box! Thinking back to it, kid me probably wouldn’t have used this shiny new ‘status item’ and like my other Crayola crayons, they would probably go unused.

I also remember LOCMom bought me a plastic 3-wheeler and a new bike there when I was a child. It was always a wonderful experience. Riding around the store and testing out bikes… Good times. And also begging LOCMom for Pokemon Card packs, haha. Remember when those things were a big fad? We millennials always snuck them into school and traded them. 😛

So here’s to you, Toy R Us! For all of the great memories you brought us millennials and our first “big purchases”, I raise a glass to you! 😀

But alas, we millennials are not children anymore. Even though we hold those dear memories in our hearts, times have changed. We have grown and lived through the Great Recession and living through that changed us. Plus, the economy for a lot of us does not show signs that it is recovering for the little guy which includes us millennials. Because of this, we don’t have a lot of money to spend on toys for our children if we have any and if your toys aren’t discounted in your stores (looking at you, Toys R Us), we’ll go somewhere else that they are. Like Amazon or Wal-Mart.

Rest in Peace, Toys R Us. You lived a fine life.

 

What did I do/buy this weekend? (September 19, 2017)

Hello, everybody! Sorry for the late weekend update! I got back from a long trip of visiting LOCAunt and LOCUncle and I was too exhausted to write about my weekend yesterday! Let’s begin discussing it now! 😀

LOCMom and I went down to Diamond Springs to visit LOCAunt and LOCUncle and had a lot of fun! We also looked at mobile homes while we were there because we plan on moving down to that area by next year! I’m really looking forward to it since we hate the weather in the area we currently live in. 🙂

During our road trip to Diamond Springs, we stopped at Granzella’s in Williams, CA. Granzella’s is a touristy place that specializes in Italian food and other touristy foods. I was craving a chocolate cream pie snack while I was there, but they only had coconut cream pie snacks! Boooooooo. So I got dark chocolate gelato instead! It wasn’t a chocolate cream pie snack, but it was still good! 🙂

So then we arrive in El Dorado and looked at a bunch of mobile homes. Naturally the one  LOCMom and I liked was overpriced, but our home touring was just to get the feel of the county we wanted to live in. We’re not moving immediately, but at least we got the idea of the area more. 🙂

Then, we went to LOCAunt’s and LOCUncle’s to stay for the rest of the weekend!

Money Spent on Saturday:

  • Dark Chocolate Gelato (small size) – $3.75

Total Amount Spent: $3.75

On Sunday, before visiting LOCGrandpa for his birthday, LOCMom and I went to the local Goodwill to see what we could find and BOY, did we find treasure! 😀 The real treasure I found was two big cases of washi tape for around 5 bucks each! I’m talking about 40-50 things of washi tape in each container! WHAT A STEAL! 😀 Since I loooooove using washi tape to decorate greeting card envelopes, I am OFFICIALLY set for life now, haha. 🙂

washi tape

Of course, there was some rolls of washi tape I did not want in the cases, so I happily gave them to LOCAunt who said she would use them in her crafting. 🙂 We eventually visited LOCGrandpa and had a wonderful family lunch with him at his care home! 🙂

We also fed the birds at the pond around our family’s house! There were a lot of ducks, haha. 🙂 But one bird, or goose, particularly stuck out and its name was Obi. Obi is not very friendly or accustomed to humans, so she hisses a lot.

obi

This Obi’s hissing face that either says, “GET AWAY FROM ME HUMAN!!1!1” when you get too close to her or a, “FEED ME, HUMAN!!!!1!!1” face when she wants food. But she might be a male since she has slight bump on her beak and hisses a lot, but it’s kind of hard to tell.

I also read a little One Piece during the night when LOCMom and I were settling down for the night. 🙂 Always a good read! 😀

manga

Haha, I’m slowly getting caught up to the current One Piece plot. 🙂 I’m about half way there! 😀 Someday, haha… 😛

And on our last day, we went to a place called Apple Hill. It was mostly just a place where vendors wanted to sell you something, but they did have good food! But a lot of the food was mostly apple themed, but it was delicious!

But I saw a little gem at the pond where there were white geese hanging around! I got close to them and they were pretty used to people. 🙂

white geese

What was funny about them was they had a fluffy poof on top of all of their heads. I have never seen such geese before! I wanted to feed them so bad, but alas, there was no birdseed there. 😦

We then packed up after our trip to Apple Hill and headed home. We stopped at Granzella’s along the way and lo’ and behold, I found my chocolate cream pie snack! I ate it all up happily, haha. 🙂 We then got home after our long trip on Monday night and hit the hay. Sitting in a car for so long is exhausting!

Money Spent on Saturday 

  • Washi Tape Cases – $5.19, $5.19
  • Misc. Treasures at Goodwill – $9.60 (for all)

Total Amount Spent: $19.98

Money Spent on Monday

  • Chocolate Cream Pie Snack – $3.95

Total Amount Spent: $3.95

So… A lot of spending at Goodwill. It’s my achilles’ heel. 😛 The misc. treasures I found at Goodwill were mostly stationery supplies. Think of it like blank greeting cards/paper and two physical items. All of it was pretty much fun stuff, but I think I’m set on blank greeting cards. They sure are handy to have though! 🙂

It’s getting down to the end of the month, so I need to tighten my belt in order to stretch my money efficiently though. Have started doing so this week. 🙂

So everybody, how was your weekend? 🙂

Ask a Millennial! Are we REALLY killing these industries? (Part Two)

Welcome to my newest blog post series, “Ask a Millennial!” In Part Two of the last “Ask a Millennial!” blog post, we have been discussing what industries millennials such as myself seem to be “killing”. Join me as I discuss the rest of this topic!

Welcome to Part Two of, “Ask a Millennial!” In my last blog post, I discussed some industries that millennials like myself seem to be “killing” and what I thought about each one of them. Today’s post will include the rest of the list from this Business Insider article of what industries millennials seem to not like.

Let’s move on to what I think about the industries on the rest of the list, shall we? 😀

Bars of Soap

Okay, guys. As a millennial, I finally got on this train. I just gave away all of my bar soap collection to LOCMom. She uses bar soap and appreciated the collection very much! As for me, I finally caved and bought facial scrub and body wash to replace my bar soap I used to use. Liquid foamy soap I use now for my hands. I finally caught the “ick factor” from using too much bar soap, haha. I was always thinking, “Okay, I use this bar soap everywhere on my body and I’m going to wash my face with it as well?!” No thanks finally. 🙂 It cost a few dollars to replace everything, but I will have it all in the long run. I just hate spending money is all. 😦 But bar soap = no more in my life! 😀

Diamonds

Okay, who’s buying diamonds these days? That’s like flushing 1K down a toilet for a shiny rock. Sure they’re nice to have, but they are what we call a luxury item. I’m not familiar with the shiny rock industry, aka the jewelry industry, very much, but I think there are other shiny clear rocks you can choose from that look like diamonds, but are not really diamonds. I would buy one of those knock offs for wedding rings for my significant other before buying a diamond. Or maybe even no rock at all, just a ring. Could be a simple gold or silver ring if the price is right, but like I said, I’m not overly familiar with jewelry prices. I just know that they are expeeeensive. 😦 Best forgo the jewelry category all together and just stick with cheap costume jewelry. If you buy that stuff on clearance only (because who would pay over 10 bucks for this stuff?), you don’t have to worry about it being lost or easily broken since you didn’t spend a lot of scratch on it in the first place. 🙂

Fabric Softener

Seriously, who uses this stuff? Yes, what is it even for? I guess it softens clothes or something… But if you put this stuff in your clothes when doing laundry, you’re just adding chemicals to your clothes so they will smell funky when you take them out to dry. Not really a anti-chemical junkie (used to be though 😛 ), but I don’t think you really need this stuff in order for your clothes to be clean after using laundry detergent. Just another thing you have to buy to keep up with the Joneses I guess. I guess…

Banks

Yup, I’m one of these people who only uses the bank at the beginning of a new month. I do my business with the teller and get out. It’s a necessary chore in order for me to manage my money properly. But that’s all I use the bank for. Whenever I want more money out of my account, I usually hit up a grocery store and get free cash back and get my money out of my account. Easy peasy. So I’m not surprised about banks being on the list.

Department stores like Macy’s and Sears

Oh, these stores. If it’s not on sale or on the clearance rack at Macy’s, I won’t even touch the product they are trying to sell me. As for Sears, they are a dying retailer. They are currently dying a very sloooooooow death, so I wouldn’t recommend buying anything from them. Although, I do like Macy’s shirts, but since I am a “normal size” on top and a plus size on the bottom, I don’t even bother with their pants because their plus sized pant selection is so limited.  It really sucks and that’s why they don’t get my business in that category. Their shirts are cute, but I have so many shirts and clothes in general already, so that is why I don’t hit up clothing stores very often. If I need a new shirt, I will just go to Goodwill. They have plenty to choose from. 🙂 If I want anything besides clothes, I will go to a discount store and buy what I want because they are very cheap and are currently booming right now. Discount stores are where it’s at! Love me a good discount store! 🙂

Designer Handbags

Oh look, another luxury item. Something people with no money can’t usually afford to buy a lot of. If I want a designer bag, I will shop my closet first since I have a lot of “low end” designer bags I bought on sale, clearance, or at a yard sale. I never pay full price, y’all.  I recommend discount retailers for all of your designer bag needs. Like I said, they are booming right now! 🙂 So I’m not surprised to see this category in the list. With no money, we millennials can’t buy a lot of expensive purses even though we do like them.

Gyms

Here’s another category that if you do not use it, it’s a waste of money. I used to belong to a gym and only went to it so much, forking over money each month to it. What a waste. 😦 But that is in the past now. Can’t cry over spilt milk forever. For exercise now, I usually walk outside around my neighborhood when I feel like it. It’s fun with music on and most importantly, it’s FREE! 🙂 There is also a lot of exercise videos on YouTube and other websites you can use for all of your exercising needs. I recommend this route instead of a gym if you are not going to use the gym very often. Plus with membership fees as high as they are, who can afford a gym membership anyway these days? To be honest, I rather spend my money on other things.

Home-Improvement Stores like Home Depot and Lowe’s

We millennials can’t afford our own places or houses on one income these days, so I’m not surprised that these stores are on the list. I currently live with LOCMom in a condo, so I don’t really need all of these home supplies these stores stock. In fact, if I ever could afford a place on my own, I wouldn’t even buy a house. I would either rent, buy a condo, or buy a mobile home is a good neighborhood. I absolutely DEPLORE yard work, so the less yard work, the better. 🙂

Football

Ah, football. A sport where rich muscular dudes ever slowly give each other brain damage while playing this sport, yet people like watching it. *shrug emoji* I remember I used to look forward to the Super Bowl each year, but later on, lost interest because I didn’t know the rules of football anyway and it was, well, boring to watch. Whenever I watch the Super Bowl now, I only look forward to the half-time show and whoever won in the end. Then it goes off. Don’t care about the commercials too much either because they are usually just trying to sell you something. As usual. Plus, with many millennials cutting the cord and watching stuff on streaming services instead, it’s no wonder football is going out of style.

Oil

Last, but not least. I really believe oil is on its way out anyway. It’s only a matter of time until it loses its crown to powering cars. With electric cars coming out as self driving cars starting as early as 2020, the gas industry will start to perish. I’m looking forward to this day greatly. 🙂

And that concludes the list! I hope you have enjoyed reading the opinion of a millennial on these industries! I certainly enjoyed sharing my opinion with all of you! It was very fun writing this post series! 🙂

Please join me next time in my “Ask a Millennial!” series! Thank you for reading! 🙂

So, what do you guys think about these industries? How do you feel about them?

 

 

Ask a millennial! Are we REALLY killing these industries? (Part One)

Welcome to my newest blog post series of, ‘Ask a Millennial!’ In this series, I, as a millennial, will talk about things millennials do and what I think about the latest millennial headlines! Today, I am going to talk about the industries we millennials are seemingly “killing”. Read on as I talk about this issue! 😀 

Hello, everybody! A while ago, Business Insider put out this article talking about what industries us millennials seem to hate or are no longer perusing. Let’s discuss this. As a millennial, I looooooove it when people talk about me and try to theorize what I’m doing and what I’m not doing. I’m not talking about those “lazy, entitlement” articles people of other generations write about us. I’m talking about articles that talk about our habits and stuff! I love it, haha. 😀 I’m also a fan of reading about how businesses use certain strategies to get us to buy stuff or to get other people into their stores in general. I just like reading retail articles is all. 🙂

Anyway, back on topic. This article Business Insider put out is rather interesting and a fun read. I highly encourage you to read it first before I discuss it in today’s post. But seeing as the article has a list of things millennials are seemingly “killing”, I will go through each industry one by one and state my opinion about why a millennial such as myself would be interested or not interested in a certain industry! This is ‘part one’ of this list since the list is so long! I will be writing ‘part two’ later on! Let’s get started with the first thing on the list!

Casual Dining Chains

Oh god. These are the places that microwave your food most of the time or fetch it out of bag from their big freezer and warm it up for you to eat. Plus, they want you to pay $12+ for this type of food at their casual dining chain. Yuck. No thanks. I’ll pass. I see why this industry is dying and it is a good thing. Why pay for overpriced microwaved food when you can buy your own frozen food for less at a grocery store and microwave it yourself at home? I’ll pass, thanks.

Beer

Hmm… Since I am on medication, I cannot consume alcohol anyway. Millennials such as myself try to stay away from “big beer” companies because I don’t think it tastes very good. We tend to go for craft beer seeing how it is local and the people behind the craft beer care about making a good product to sell instead of giving the beer loving public just any old tasting beer – good or bad. So yeah, I see why we don’t the “big beer” type of beer very much.

Napkins

Ah, napkins. Why buy them when you can use paper towels instead? I think every generation is cutting back on them and not just millennials. When you buy good paper towels to use as napkins, you don’t really need to buy smaller paper products to use that market themselves as “napkins”. Paper towels have more uses in the kitchen anyway and can also be used as napkins, so I get why napkins are going out of style.

“Breastaurants”

Oh my god. Anyone who goes to places like these has no respect for women at all. Plus, the food is probably, once again, from a big freezer sitting in some bag and heated up for you to eat, so I wouldn’t even go to these places anyway. So happy to see this industry tanking.

Cereal

Good. I’m happy cereal is taking a dive. This stuff in nothing but starch and sugar anyway. It will give you a little burst of energy starting your day, but you will probably crash in energy levels an hour later at work. Plus, it’s not really healthy or a good diet food if you are trying to lose weight or be healthy in general, so it’s no wonder we don’t eat this stuff unless we don’t feel like cooking or have run out of food in the kitchen. Rest in pieces, cereal industry.

Golf

Ah, golf. Since golf these days tends to be marketed to old white guys and they seem to be dying off, it’s no wonder this game is dying. Nothing wrong with old white guys playing golf though! 🙂 But since I am not an old white guy or don’t like how expensive it is to play a game of golf at some club in general, this sport doesn’t really interest me. Let’s not forget membership fees at these clubs. Yeesh. And the equipment for a sport like golf… probably not cheap. And since we millennials don’t have a lot of money anyway for little luxuries like golf, you won’t see us playing it very much anytime soon.

Motorcycles

Speaking a of little luxuries, motorcycles falls into that category perfectly. Since motorcycles don’t have the protection four-wheeled vehicles offer and are less safe to drive on public highways, we millennials aren’t exactly itching to get one anytime soon. Motorcycles are just another “toy” that you have to insure and take care of. And if you have one that constantly needs fixing, the tools for that cost money and we will need a place to put them. And since we can’t really afford rent for our own places on one income, we will have to forgo the motorcycle industry for now.

Homeownership

This category hits me quite hard. You see, I would love to have my own place in a great neighborhood (preferably somewhere quiet and no yard work required), but seeing as job security is less and less these days and millennials don’t know what tomorrow will bring, renting is still very important to us. We can’t just be tied down to one place. Plus, the down payment for a home is expensive and like I mentioned earlier, we have no money because college debt and stuff, so millennials are not really acquiring houses. We simply have no money for them. Only the lucky few millennials can actually afford them. And I am not one of those lucky few.

Yogurt

Oh my gosh. THESE LITTLE SUGAR BOMBS. It’s crazy how much sugar flavored yogurt has in it. Because of all of the sugar in yogurt, I avoid them like the plague. Us millennials care about full fat foods now instead of fat being taken out of our food and being replaced with sugar, so we are just sticking to plain Greek yogurt and plain yogurt in general. We put our own berries and whatever else to flavor the yogurt so we can control how much sugar goes into it. So yeah, I’m not surprise why we are staying away from this stuff.

And that concludes Part One of this ‘Ask a Millennial’ series! Join me for Part Two as I discuss the rest of this article’s list later on!

See you next time!

Are you a millennial? If or if not, what is your opinion about all of these industries?  Are you foregoing them as well?

 

 

What did I buy and do this weekend? (September 10, 2017)

So, a lot happened this weekend and my depressive mood wasn’t so terrible! That’s always a plus! As a person who doesn’t have much of a social life, I have to keep my mind active most of the time or devil’s workshop, blah, blah, blah… 😛

On Saturday, LOCMom (Living On Cents Mom) and I went to the Honey Bee Festival in our area. Now, by the name of the festival, you’d think it mostly be about honey bees. Well, it was except for the fact that there was 736736832 booths trying to sell you something and the food booths were overpriced. I mean, one booth wanted a single tamale for $3.50. I told LOCMom I’d rather starve than pay that amount for a tamale or some other event food. Plus it was all the “usual” special event food you can get at events, but it was just overpriced. Before we left, I actually bought a roasted corn cob since I don’t encounter them very often. And it was VERY tasty! I think it had mayonnaise on it and BBQ seasoning of some kind. Very good! There was also a “bee beard” event where a guy was suppose to wear a “beard of bees” on his face, but the event was late in starting, there was nowhere to sit but the ground, and LOCMom and I weren’t about to wait around for long for the event to happen, so we left for the fair food area after this time. After buying the roasted corn cob, we promptly left the event quite disappointed.

In my town in Northern California, if you don’t like shopping or eating at restaurants, there is nothing for young people like myself to do. There are meet ups to do outdoor activities since we live by so much nature, but outdoor activities don’t really interest me all that much. I guess those kinds of activities are for people who have a great social life and lots of dough anyway, so I don’t really care about participating in them. Womp womp.

Then LOCMom and I went in the evening to visit my great aunt and play with her dog, Boogie! Boogie is a large pure bred black poodle who loves fetching his red ball toy. I got to toss it plenty of times to him while we were visiting with my great aunt. 😀 After visiting, we went home to retire for the night. 🙂

Money Spent on Saturday:

  • Honey Bee Festival Parking (split between LOCMom and I) – $1.00 ($2.00 in total to park)
  • Roasted Corn Cob – $3.00

Total Amount Spent: $4.00

On Sunday, I slept in til’ 12:00PM (no commitments = more sleep) and something was happening today that got me pumped! The Asphalt Cowboys were having their annual BBQ today! Everybody… This event is my only chance to score a cheap BBQ meal that is not around 20 bucks. So LOCMom drove us there and I got my meal! There was a choice between and chicken or tri-tip meal and I got my usual chicken meal!

Bask in all of its glory!

BBQ Food

And MAAAAAN, was this tasty! 😀 I ate it all in about 10 minutes, haha. It was soooooo good! Always love me some cheap and delicious BBQ food!

So now, we are all at home relaxing and just passing the day away. Lazy Sundays are when there is not much to read or do on the internet, so I am on it with not much to do. Meh. 😦 Oh well, soon it will be Monday and more news will come up to read soon! 🙂

Money Spent on Sunday:

  • BBQ Meal – $8.00

Total Amount Spent: $8.00

So… A lot of eating out this weekend. $11.00 dollars worth of food it looks like. I will let this slide since the Honey Bee Festival and the BBQ food was a special occasion thing, but I do not usually go out to eat regularly because my money is precious to me. Not a Scrooge or anything, but I have to be my frugal self if I want to make my money last throughout the entire month.

Sorry for the lack of pictures! I’m new to this blogging thing, so I will have more pictures on my next weekend update hopefully! 🙂

So, everybody… How was your weekend? 🙂

 

I’ve become my own payee! Hooray!

Well, my mother and I stopped by the Social Security office this week and because of that visit, I became my own payee! At first, my mom was in charge of distributing my social security money to me, but since I am so financially savvy, my mom wanted me to take control of my finances. This financial savviness of mine didn’t happen overnight though. It took a couple of years of realizations and discovering frugality in order for me to really take control of the little money I have. But because of this, I am fully independent with my finances now! Woo hoo! *insert party hard Dumbledore gif here*

I also got to talk about Social Security about ABLE accounts coming to California on October 1st. If you do not know what an ABLE account is and live in the United States, an ABLE account is like a 429 college plan which is tax free and will let a person that was diagnosed with a disability before the age of 26 to save money in this account up to $100,000 and it won’t affect your Social Security money. I’m REALLY looking forward to this because as a person with a disability who can’t save more than $2000, I could use all of the extra help I can get. Once I open up one of these ABLE accounts, I hope throughout the coming years to use this account as a retirement fund. Or an account that will help me live day by day. When I told the person helping us with Social Security about ABLE accounts, she didn’t know about them! Apparently, they were not alerted of them yet and had no training in them. But she told me she would alert the right people about them so the employees at Social Security could get trained in them. Which is a win in my book! 😀 I still have no idea where to start an ABLE account though, but the lady gave me a phone number and e-mail to contact to get more information on where to start one at, so I will be calling soon.

Then after the long time in Social Security, my mother and I afterward went to feed the local ducks and geese hanging out by the river. Now, these birds are spoiled folks. They get food all of the time. Some days they are hungrier than others. Just depends on how much they are fed each day. So we fed them two small bags of bird seed because bread is bad for them to eat and then went home. I will probably post pictures of the birds in the near future though because I love them so much, haha. 🙂

So yeah, I’m officially in charge of my money now! Woo hoo! Starting next month at least. Can’t wait to see where things will go from here. 🙂

EDIT 9/10/2017: If anybody wishes to know about how to get an ABLE account or what the status of their state’s ABLE account program is in, please visit this link. 🙂

Millennials aren’t spending as much as people thought… Huh. You don’t say?

So I ran into an article on Business Insider (which I adore reading) and found a very inteeersting article about millennials such as myself. At first, they predicted millennials weren’t going to spend much on Labor Day and then they changed the ‘Labor Day’ part of the title to a millennials aren’t spending much money at all title. In the article, it talks about how even though millennials seem to like pumpkin spice lattes and avocado toast (guilty, but I make my own for almost half the cost), they’re not really spending much on it. On really anything for that matter. Here is the article.

So what are they really spending their money on? According to the article, it’s healthcare, utilities, and groceries. How accurate is this? Well, I am a millennial living on SSI, so I can’t really afford to spend money on frivolous things anyway because I barely have any money. So what I am spending my money on? Well, Business Insiders is correct. A lot of my money is going towards utilities, groceries, and healthcare since I suffer from one mental health condition. Another health condition of mine is Tourette Syndrome. I received it in my early 20’s. I am special y’all because it’s very rare for that to happen, but it can happen. Enough about my specialness (it’s not too special of a thing). 😛 Back on topic. If my money is not going toward groceries, utilities, and healthcare, it’s going toward misc. things and other things in the budget. The misc. category on any budget can get pretty nuts though! It just depends on the month.

Now let’s break this down. Groceries. I normally spend under $200 on groceries each month for one person because I do buy a lot of fresh foods instead of processed foods. So I make everything from scratch each day. It’s a pain sometimes because I don’t have a lot of convenience food to eat if I am really hungry, but it’s healthier if I prepare food this way. 🙂

Utilities. I have to pay a lot for utilities. Doesn’t everyone? It sucks a lot how much everything is, but you gotta’ pay for everything. : (

And last but not least healthcare. I take two medications whose copays are not that expensive thank goodness (thanking my lucky stars of how blessed I am here). These medications help me “act normal” so it doesn’t look like I have mental illness. Very thankful to them.

And that’s it for those categories. The article also mentions that millennials are just spending money on the stuff I already mentioned by category and our money is not going toward extravagant trips out of the country, eating out, and other leisurely activities. Well, besides the few lucky millennials who can actually afford to go on trips, eat out every night, and splurge on leisurely activities like nail salons and spas, millennials such as myself don’t really do that. It’s not the norm for us, I’m afraid. It’s because WE HAVE NO MONEY. NONE. Nadda, zilch. And what little money we have is going toward student debt, groceries, and mandatory monthly expenses. And even little old me who has hardly any money… If I even had more money, I probably would not spend it extravagantly. It wouldn’t be spent on eating out all of the time, going to resorts in other countries for vacation, or on spas or other leisure activities (well, maybe a pedicure here and there, I guess if I am being honest…).

So, in conclusion… Millennials have no money unless they are the lucky few that do. It’s just a lot of us don’t have any money at all which is a problem in the long run… : (

So what about you guys? Do you think the Business Insider article is spot on? If not, why is that?