Forgot your password?

Compared to 2011, I expect that 2012 will be:

Displaying poll results.
Better for me financially
  11081 votes / 40%
Worse for me financially
  4600 votes / 16%
About the same financially
  6136 votes / 22%
It's far too early to predict how it'll stack up
  3903 votes / 14%
I don't keep track of things financial
  1552 votes / 5%
27272 total votes.
[ Voting Booth | Other Polls | Back Home ]
  • Don't complain about lack of options. You've got to pick a few when you do multiple choice. Those are the breaks.
  • Feel free to suggest poll ideas if you're feeling creative. I'd strongly suggest reading the past polls first.
  • This whole thing is wildly inaccurate. Rounding errors, ballot stuffers, dynamic IPs, firewalls. If you're using these numbers to do anything important, you're insane.
This discussion has been archived. No new comments can be posted.

Compared to 2011, I expect that 2012 will be:

Comments Filter:
  • paid off a car (Score:5, Interesting)

    by Anonymous Coward on Tuesday January 03, 2012 @10:32AM (#38571610)
    that is one less payment and a little more into the savings account.
    • Wish I could say mine was paid off... but when it is, it'll be a LOT more in to the savings account (paying off a 32000 euro car over 3 years (2 down, 1 to go)).

      On the poll topic, I expect this year to be better in some ways and worse in others. Probably "overall about the same" financially. 2011 was expensive with moving apartment (including new carpeting, painting the walls, and some new furniture); getting married; my daughter being born; and an unexpected family emergency on the other side of the worl

  • by Gallenod (84385) on Tuesday January 03, 2012 @10:44AM (#38571690)

    Where's the, "I have no money, you insensitive clod!" option?

  • by tompaulco (629533) on Tuesday January 03, 2012 @11:46AM (#38572532) Homepage Journal
    As usual, I expect the salary to go down. The payroll tax holiday will end in two months, so taxes will go up by 2%, the cost of medical insurance continues to rise at 10% per year or so, the cost of living continues to go up at 5 to 10% per year, and yet there is no change in salary at all. In real terms, i am paid about 40% less than when i started working for my company 5 years ago.
    But some of the other things I am doing to make money I expect to get better this year, so on the whole I hope to be slightly positive.
    • Where do you live? (Where is the cost of living going up 5-10%?)
      • by marcosdumay (620877) <marcosdumay AT gmail DOT com> on Wednesday January 04, 2012 @08:45PM (#38591158) Homepage Journal

        I can't know about the GP, but I live at Brazil, and since that is my 3rd year in a row without a raise, I'm 6,5% poorer this year than I was the last one.

        But before that I was changing jobs frequently, with a series of near 100% increases in salary that got me from a very bad to a quite confortable situation, so I can't complain. Yet, I've already started to do something about it...

    • by cayenne8 (626475)
      Sounds like someone needs to change jobs!!

      For a LONG time now, in the US at least, they only real way to get raises and stay ahead of the game...if you insist on staying a W2 employee...is to quit every few years and change jobs.

      Personally, if you're good at what you do, I'd suggest you incorporate yourself (for tax write offs and substantial savings, look into "S" corpts)....and get on the contract circuit.

      I feel that since the days of a job for life are long gone...if you're gonna have job insecurity,

      • by tompaulco (629533)
        I did contract work before and I still have a corporation. Unfortunately, I don't have the contacts I need to keep myself busy doing contract work and the contract rates are ridiculously low right now. It actually pays more to be an employee. Also, after the contract market dried up, I had a hard time getting a regular job again after that as well. A lot of companies had stuff like "corporate background only" in their job specifications in order to punish people for going out on their own and earning what t
        • by cayenne8 (626475)
          Look to get onto a govt. contract...federal.

          Many are long term..and no problems with bill rates.

  • When you're at the bottom, there's no where to go but up, so I have high hopes for 2012 :)

    • by elrous0 (869638) *

      I was thinking the same thing. What are they going to do, kick me out of my house that's worth less than what I owe on it? Take away my job that I hate? Take my car that's not worth anything?

    • by Pieroxy (222434)

      When you're at the bottom, there's no where to go but up, so I have high hopes for 2012 :)

      It can always get worse. Always. It also can always get better.

      It doesn't depend on where you are, it depends on what you do.

      • by geekoid (135745)

        Tell me, do you get all your advice from motivational posers? do you occasional dispense actual advice?

  • My regular paycheck will probably be slightly higher in dollars, but lower in buying power. Judging by my first trip to the casino this year, I won't be quitting my day job anytime soon. :P

    • If you're not a poker pro, stop hitting the casino xD The house always wins, and if you don't go, you'll have that much more pizza and beer money for the weekends.
  • Average (Score:5, Funny)

    by Anonymous Coward on Tuesday January 03, 2012 @01:10PM (#38573562)

    It'll be an average year. Worse than 2011 but better than 2013.

  • Too early (Score:5, Funny)

    by PPH (736903) on Tuesday January 03, 2012 @01:56PM (#38574250)

    As November 8th approaches, I'll see whether I've got to move either my bank accounts or porn collection offshore.

  • 1. I'm still at the point where extra experience outweighs age discrimination.

    2. No major financial obligations, like mortgages or kids.

  • I imagine both my wife and I will get slight cost-of-living raises this year but I also expect inflation and taxes to cancel out the extra money we bring home.
    • by green1 (322787)

      Well... my "cost of living" increase is not even half of the increase to the official "cost of living" index, which is definitely not up to the increase in the actual cost of living (who thought that fuel and utilities (which go up faster than anything else) should be excluded from that index???)
      Additionally, while corporate taxes in my country just got another significant cut, personal taxes have gone up to compensate, property tax is also going up (6% hike this year... again...)

      And then there's this whole

  • by Havokmon (89874) <`moc.nomkovah' `ta' `kcir'> on Tuesday January 03, 2012 @03:13PM (#38575302) Homepage Journal
    To see how the graph changes when the people who really work for a living start voting :)
  • When you're dealing with the money from a modest wage and don't have anything invested, even things like the 2008 economic collapse won't affect the amount of money you have to any noticeable degree (as long as you don't get laid off, that is).

    The biggest factor will be what stuff breaks on my cars and that's largely up to chance, although I know my Samurai needs some costly drivetrain work (new front-drive hubs, TC rebuild, possible tranny rebuild). Would like to get some suspension mods and an SU carb swa

  • by Rogerborg (306625) on Tuesday January 03, 2012 @03:33PM (#38575536) Homepage
    But which will buy me fewer, shoddier goods and services. I'm thinking of asking to be paid in vodka, spam and shotgun shells.
  • I switched jobs in 2011, with a 12% raise.

    So 2012 is going to be about the same, but with a better salary. Life is good.

  • As a fixed term public servant in Victoria (where the Premier announced a 10% cut in personell over the next 2 years the week before Christmas), I have no idea whether my contract will be renewed in July.

    My husband is still looking for a new job, having been laid off last year (I was too, but found a new job fairly quickly).

    Given he spent half the year unemployed, it could go either way this year. If he finds something early and I get renewed, all good. If he doesn't find anything and my contract doesn't ge

  • re read Kahnemanns thinking fast and slow; people have a built in bias to be overly optimistic if the answers are honest, this is probalby why so many think next year will be better - because our brains (system I in kahnemanns language) is hardwired to excessive optimisim, that is, optimism that based on any data basis, is more then you would think probable
    • by green1 (322787)

      That's interesting... I immediately reached for the "better" option, but before clicking I caught myself, and chose "worse" instead.

      That said, worse is comparative to how I did last year, and is still a rather vague statement. I chose worse because my increase in net worth (accounting for the purchasing power of that money) will not be as high as it was last year (ever so slightly more money in, significantly more money out) However, if you chose instead to simply look at net-worth by itself, it would be qu

  • Healthcare Costs (Score:3, Insightful)

    by sasha328 (203458) on Tuesday January 03, 2012 @07:31PM (#38579354) Homepage

    In most of the developed world, healthcare is considered a basic human right, just like free education. All are available to everyone without discrimination, but you still have teh choice to go to private schools or private hospitals (at your own cost). All this is paid for by a fixed tax percentage for everyone.
    I don't understand what problem Americans have with such a simple concept.
    So, to see people saying they might be worse off because of health insurance (not health problems) is a sad sad thing to hear.

    • by ckhorne (940312)

      It's not a single-payer healthcare system that we don't understand or trust. It's that we don't trust our government to do it in a way that's cost effective or efficient. They don't exactly have a history of being either of those, and when you start talking about handing over one of the largest industries to the US government to manage, most people realize that it just won't end well. So... the broken system we have now is better than the alternative.

  • I'm a college student, and I was unemployed for all of 2011 (I had a decent amount saved up, so I wasn't completely broke for the duration). Since I'll be graduating in April, I'll be able to actually work a job full-time, and even at minimum wage, that's more than I'm currently earning.

  • by Osgeld (1900440)

    I lost my job during the summer and have been passed around like a cheap whore at the staffing agencies, all of which pay less, and even though they say temp to hire they never mean it so your going a month or 2 without income.

  • Worse (Score:5, Insightful)

    by Kjella (173770) on Wednesday January 04, 2012 @07:40AM (#38583552) Homepage

    Quite intentionally worse. I moved to a smaller town and it pays less, the lower property prices don't really make up for generally lower wages and less specialized job market. Totally worth it for all the other benefits though and completely voluntary. Money isn't everything, at least if you have "enough" already.

  • by Anonymous Coward on Wednesday January 04, 2012 @11:05AM (#38584888)

    Separated from active duty over a year ago - fucking tired of fighting. 4 OEF deployments in 5.5 years. I haven't been able to find a job to save my life. Unemployment benefits ran out some time ago, which was bad because those measly little checks just about covered my fixed expenses after I whittled everything down into "survival mode".

    Between doling out my savings in $1000 legal retainer increments so my wife could take my daughter away, the medical treatment I had to pay out-of-pocket for because the VA is so unbelievably fucked (I expect to get reimbursed... some time in the next decade), and the growing realization that my military job has zero application in the civilian world, I'm not doing well. At this point, I don't think I can even afford to use my GI Bill, since the stipend payments got cut by a pretty large effective percentage to pay for guard and reserve benefits.

    I'm now hitting the very dregs of my financial resources. I will be utterly insolvent in a little over three months, and unable to pay child support or rent. Hell, I can't even get hired working construction and manual labor because there are already far too many people, even those who want more money than I would be happy with, who have loads of experience and contacts, and are also out of work. I'm "overqualified" to work fast food, and even temp agencies have been 1 for 7 placing me.

    At the temp agency, the one place they got me into had me doing human OCR. The pay was shit, but I was incredibly grateful to finally have a job. On my first day one of the senior VPs called me into his office to thank me for my service, tell me that if I needed anything to let him know personally, and proceeded to tell me all about how he was a "Special Forces SEAL Sniper" in Vietnam, went on sixteen missions to Laos and Cambodia, and was called up from retirement for the mission that got Osama bin Laden but refused, because he didn't think it was fair to "deny any of the new generation their fair share of operational experience".

    He'd even had a plaque made with a preposterous set of medals on it, most of which were out of order.

    I did get another promising-looking interview for a decent job as a manager-in-training at a branch of a very large bank, but unfortunately, I let my outrage and disbelief get the better of me. I made it through the HR interview and was talking to the branch manager and the regional manager.Their first question for me was "So did you get shot or anything? Did you get all blown up with the PTSD?" and the second question was "So uh, you ever kill any of them sand niggers?"

    It was too much for me and I walked out. They never called back.

    As bad as it is, I live in mortal terror of a recall. I don't regret my time in uniform, but four tours was enough, at the very least until I regain some faith in my country's government and its ability to live up to the promises it makes. I was blown up twice. Pulverized a mess of muscles in my neck, collapsed some sinus cavities, burned up a bunch of skin, lost hearing in one ear, and was diagnosed with severe depression and PTSD upon my VA enrollment survey.

    Care to guess what a year of fighting with the VA has netted so far? Five minutes with a shrink who told me that if I didn't want Prozac I was "wasting (his) time" and a single fill of naproxen sodium.

    My story is not at all unique. It breaks my heart watching kids volunteer to fight for their country, to be told that if they make those sacrifices they'll be taken care of, and to get spit out a few years later completely broken and with no recourse other than throwing themselves at an utterly opaque and fathomless bureaucracy that has a vested interest in nickle-and-dimeing them sometimes literally to death.

    In the meantime, they're talking about cutting pay and benefits for military members and families because they're getting an "unfair" deal, and the other 99% of Americans are apparently starting to get resentful and angry about how "overpaid" military members are. Overpaid to be on

    • by AmiMoJo (196126) <mojo@NOspaM.world3.net> on Thursday January 05, 2012 @09:09AM (#38594792) Homepage

      There are two problems with the military, one common to most countries and the other more unique to the US.

      Firstly being a soldier is considered a low skill job. You don't need qualifications, they teach you what you need to know and the things you learn don't transfer well to the civilian world. I don't know about the US but in the UK people rarely join the army or navy to serve their country, they join because their job prospects are already very poor and service is slightly better than burger flipping or collecting the bins. Well, it seems to be until people start shooting at you and then you are told to go look for boobie trapped bombs because the intel from examining their construction is worth more than your life.

      We actually treat our vets a bit better, but still not as well as we morally should. People are reluctant to say it but since the wars we are fighting are regarded as pointless and having little to do with our safety or freedom people don't want to spend a lot of money on them and would rather the troops were not there in the first place.

      That brings me to the second problem: funding. The US spends a lot more than most countries on its military, but the spending is funnelled to contracts that benefit private industry rather than actually paying and looking after the guys going the fighting. The money is driven by politicians wanting to bring government funded business to their areas rather than actually caring about the soldiers or national defence. Again, the US is not really defending itself, just finding ways to spend money and keep the gravy train rolling. There is a separation between the politicians going for the contracts at a local level and then complaining that the federal government does not spend enough looking after vets, when one is actually directly connected to the other.

  • If you don't already keep track of your finances, then make it your New Year's resolution to do so.

    I started using Mint.com [mint.com] last summer, and what an eye-opener that was. You wouldn't believe what you're spending your money on until it's all laid out in front of you. I went from vaguely knowing that my bank account balance was slightly less every month to putting away several hundred every month just from evaluating expenses and cutting costs.

    Note: I'm not a paid shill for Intuit; I just really like this (

    • Ugh, I wouldn't want to see where my money is going, with the expensive hobbies I have. If I knew that then I'd probably just sit at home with the lights off all the time, which financially might be the smart thing for me to do, but would be really bad for my quality of life. I just try to keep increasing my savings.

  • by rasmusbr (2186518) on Wednesday January 04, 2012 @03:10PM (#38587712)

    You have to adjust for the fact that the average slashdotter is younger than the average person in the countries where Slashdot is popular. Younger people are more likely to increase their earnings than older people.

    If not for that this poll would be an amazingly good sign. People's expectations are often a good indicator of where the economy will go in the short term.

  • 752 "I Don't Keep Track of Things Financial" are admitting to living in their Mom's basement...
    • by wilson_c (322811)

      Hey, what about those of us whose wives outearn us 5 to 1? Why the hell would I care about a small change one way or the other in my salary?

  • One good Coronal mass ejection and all the bankster's electronic bankster accounts erased to 000000000000000000000000.00. Where's your reptilian god now?
  • I'll be accumulating a ton of college debt next year, so my financial situation is not looking too great.

  • Wife isn't working and we're expecting a baby in May.

    So much worse financially and yet I don't really mind.

  • Given that the US congress has failed to pass or even consider some laws affecting a given tax year (in recent years) until December of the tax year (thinking here about charitable contributions and about 401K distributions) how is one supposed to plan or predict? This is a ridiculous situation.
  • by EricTheRed (5613) on Thursday January 05, 2012 @10:27AM (#38595576) Homepage

    If you work in the UK & Commute on the rail network you're definitely worse off especially as most people didn't get a pay rise.

    Saying that it's not always just the rail, for me just getting to the local train station has gone up almost 2x that of the rail into London!

Outside of a dog, a book is man's best friend. Inside of a dog, it is too dark to read.

 



Forgot your password?
Working...