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June 25, 2007 at 5:12 PM #62051June 25, 2007 at 5:22 PM #62006
Anonymous
GuestContraman,
I never said to give to a corporate Church, and isn’t giving sacrificing. Give whatever to whomever you choose, that is only your business. Why do you assume the poster was giving a tenth to Corporate Church.
A tithe is an old testament term that represented 10%. It is just a measure of value of material things. Since you are talking about the new testament, a New Testament believer is certainly not limited to that in their generosity. Isn’t our example the widow’s mite. What is your beef?
Sorry about the cheap comment. That wasn’t very nice.
June 25, 2007 at 5:22 PM #62049GuestContraman,
I never said to give to a corporate Church, and isn’t giving sacrificing. Give whatever to whomever you choose, that is only your business. Why do you assume the poster was giving a tenth to Corporate Church.
A tithe is an old testament term that represented 10%. It is just a measure of value of material things. Since you are talking about the new testament, a New Testament believer is certainly not limited to that in their generosity. Isn’t our example the widow’s mite. What is your beef?
Sorry about the cheap comment. That wasn’t very nice.
June 25, 2007 at 5:22 PM #62012contraman
ParticipantReal Estate Fan,
There is no beef here. You have asked everyone’s opinion on how to save money in this day and age. My advice is to take the tithe money and put it toward your downpayment on a house.
Later when you have the means to give outside of taking care of your own household then by all means be charitable to the places or people of your choosing. Just know that you are not obligated to tithe nor is it a minimum that you are required to give.
Out of curiosity, do you give your tithe directly to people in need or a church structure?
Sincerely, Contraman
June 25, 2007 at 5:22 PM #62055ParticipantReal Estate Fan,
There is no beef here. You have asked everyone’s opinion on how to save money in this day and age. My advice is to take the tithe money and put it toward your downpayment on a house.
Later when you have the means to give outside of taking care of your own household then by all means be charitable to the places or people of your choosing. Just know that you are not obligated to tithe nor is it a minimum that you are required to give.
Out of curiosity, do you give your tithe directly to people in need or a church structure?
Sincerely, Contraman
June 25, 2007 at 5:43 PM #62020GuestContraman,
You have me mistaken for the original poster. I was just putting in my unwarranted opinion as a lurker.
We take great joy in giving, honest. Don’t feel required at all. We received the same don’t give advice when we were first married. Happily, we did not follow it. Sorry if I made you upset, I don’t like taj mahal type Churches either, so we kind of agree.
June 25, 2007 at 5:43 PM #62063GuestContraman,
You have me mistaken for the original poster. I was just putting in my unwarranted opinion as a lurker.
We take great joy in giving, honest. Don’t feel required at all. We received the same don’t give advice when we were first married. Happily, we did not follow it. Sorry if I made you upset, I don’t like taj mahal type Churches either, so we kind of agree.
June 25, 2007 at 6:36 PM #62034LookoutBelow
ParticipantDrop the tithing (silliness in my estimation) and use those funds to pay off your 600 dollar loan….Charity begins at home, either change faiths or drop it all together, or ?….maybe move back to Utah (if your LDS) a job paying 50K per year there will net you A LOT more than 90 K here.
If giving your hard earned money to complete strangers is your idea of feeling good about yourself, then by all means, go for it, but then dont turn right around and bitch about being broke on the Pigginton.
Reminds me of the ol hound dog CRYING cuz his balls hurt when the fact is he is sitting on them…..
June 25, 2007 at 6:36 PM #62077ParticipantDrop the tithing (silliness in my estimation) and use those funds to pay off your 600 dollar loan….Charity begins at home, either change faiths or drop it all together, or ?….maybe move back to Utah (if your LDS) a job paying 50K per year there will net you A LOT more than 90 K here.
If giving your hard earned money to complete strangers is your idea of feeling good about yourself, then by all means, go for it, but then dont turn right around and bitch about being broke on the Pigginton.
Reminds me of the ol hound dog CRYING cuz his balls hurt when the fact is he is sitting on them…..
June 25, 2007 at 7:51 PM #62050patientrenter
ParticipantYes/no it is/isn’t getting harder.
SDHousehunter, if you had no plans to repay debts, then these last few years would have been some of the best ever. You could have borrowed vast amounts fraudulently, buying many houses with no money down. If you’d timed it right, you could now be retired, wondering why people were complaining about things being hard. If you’d timed it wrong, you’d be doing not much worse than you’re doing now.
For responsible young people like you, high asset prices are very bad news, and we’re near peaks on just about all the assets you can think of. For people who bought those assets 5, 10, 15, 20, 25 years ago, these are the easiest of times, getting easier with every successive peak in the housing and stock markets.
It depends on who you are and when you were born. My advice is not to let your difficulties become a daily mental millstone around your neck. Other posters gave you good advice on the practicalities of how to spend less. It’s not that hard to find more ways to enjoy simple things that cost little or nothing if you ignore what “everyone else” is doing.
Patient renter in OC
June 25, 2007 at 7:51 PM #62093ParticipantYes/no it is/isn’t getting harder.
SDHousehunter, if you had no plans to repay debts, then these last few years would have been some of the best ever. You could have borrowed vast amounts fraudulently, buying many houses with no money down. If you’d timed it right, you could now be retired, wondering why people were complaining about things being hard. If you’d timed it wrong, you’d be doing not much worse than you’re doing now.
For responsible young people like you, high asset prices are very bad news, and we’re near peaks on just about all the assets you can think of. For people who bought those assets 5, 10, 15, 20, 25 years ago, these are the easiest of times, getting easier with every successive peak in the housing and stock markets.
It depends on who you are and when you were born. My advice is not to let your difficulties become a daily mental millstone around your neck. Other posters gave you good advice on the practicalities of how to spend less. It’s not that hard to find more ways to enjoy simple things that cost little or nothing if you ignore what “everyone else” is doing.
Patient renter in OC
June 25, 2007 at 8:07 PM #62056stansd
ParticipantSDHH,
We probably should get our families together for dinner sometime…sounds like we are in a similar situation with similar ideas:)
Ignore the nonsense on this board about tithing. We give 10% pre tax to our church (Protestant) as well, not because it’s an OT obligation, but because we are grateful for how God has blessed us and want to give back. Most of the responses on here are from people who clearly aren’t religious and don’t get it. Hopefully someday we’ll be giving much more than 10%. I’m married with one child & 1 income as well. I’m in a similar financial situation, but don’t have some of the self employment expenses, and make a bit more. I also get frustrated from time to time with things: I have an MBA from an Ivy league instituation and still can’t afford a house in SD (not sure how bad I really want one, but hate not being able to afford it if I did).
My Budget:
Rent: $1,875
Grocery: 475
Utilities: 190
Gasoline: 208
Student Loans: 200
Clothing: 83
Internet/Phone/Cells: 102
Church Giving: 850
Entertainment/Athletics: 171
Auto Insurance: 232 (was 150-wife backed into 2 cars)
Other expenses: 800-Car Service, Cash, Computer, Dining out, misc. household, haircuts, vacation (wife’s parents in NE)Health insurance is through work. I also save 15K/Year to my 401(k).
that’s enough detail. As others have suggested, your grocery bill is way too high unless you are eating very, very well. My wife uses http://www.thegrocerygame.com along with getting veggies from Be wise ranch. I live 5 min from work, which saves on Gas. I’d consider the $600 toward loans to be savings-paying down debt is a form of savings…my loans are at 2%, so I’ll never pay them off.
Your take home also suffers from the fact that you are paying your own employment taxes.
I’d say you could trim $500 from your budget, but there are other things that don’t seem to be on your list, which might eat that up anyway.
If you want to live on one income, SD isn’t the place to do it, that’s for sure. That said, a few years from now, it may be just fine.
My experience has been that there are a lot of young couples around making around 100K on 2 incomes (blue collar or service jobs). Then there are a few making around that amount on 1 income (college educated professional). There are some that have 2 incomes and are in the 150-180K range (2 College professionals)-those are the ones that can afford a house, but are working hard for it. Then there are older folks, who often are around 130K for the family, but have a ton of home equity and so are living quite well on the old SD standard of living.
Your observation is just an anecdotal proof point of why current prices won’t persist. Hope the budget data is helpful.
Stan
June 25, 2007 at 8:07 PM #62099ParticipantSDHH,
We probably should get our families together for dinner sometime…sounds like we are in a similar situation with similar ideas:)
Ignore the nonsense on this board about tithing. We give 10% pre tax to our church (Protestant) as well, not because it’s an OT obligation, but because we are grateful for how God has blessed us and want to give back. Most of the responses on here are from people who clearly aren’t religious and don’t get it. Hopefully someday we’ll be giving much more than 10%. I’m married with one child & 1 income as well. I’m in a similar financial situation, but don’t have some of the self employment expenses, and make a bit more. I also get frustrated from time to time with things: I have an MBA from an Ivy league instituation and still can’t afford a house in SD (not sure how bad I really want one, but hate not being able to afford it if I did).
My Budget:
Rent: $1,875
Grocery: 475
Utilities: 190
Gasoline: 208
Student Loans: 200
Clothing: 83
Internet/Phone/Cells: 102
Church Giving: 850
Entertainment/Athletics: 171
Auto Insurance: 232 (was 150-wife backed into 2 cars)
Other expenses: 800-Car Service, Cash, Computer, Dining out, misc. household, haircuts, vacation (wife’s parents in NE)Health insurance is through work. I also save 15K/Year to my 401(k).
that’s enough detail. As others have suggested, your grocery bill is way too high unless you are eating very, very well. My wife uses http://www.thegrocerygame.com along with getting veggies from Be wise ranch. I live 5 min from work, which saves on Gas. I’d consider the $600 toward loans to be savings-paying down debt is a form of savings…my loans are at 2%, so I’ll never pay them off.
Your take home also suffers from the fact that you are paying your own employment taxes.
I’d say you could trim $500 from your budget, but there are other things that don’t seem to be on your list, which might eat that up anyway.
If you want to live on one income, SD isn’t the place to do it, that’s for sure. That said, a few years from now, it may be just fine.
My experience has been that there are a lot of young couples around making around 100K on 2 incomes (blue collar or service jobs). Then there are a few making around that amount on 1 income (college educated professional). There are some that have 2 incomes and are in the 150-180K range (2 College professionals)-those are the ones that can afford a house, but are working hard for it. Then there are older folks, who often are around 130K for the family, but have a ton of home equity and so are living quite well on the old SD standard of living.
Your observation is just an anecdotal proof point of why current prices won’t persist. Hope the budget data is helpful.
Stan
June 25, 2007 at 8:28 PM #62058hipmatt
ParticipantI have to agree with stansd on this. I am really shocked by those who are telling SDHH to ditch the tithing, and that it is stupid or silly. I also find it rude to tell him to move out of SD, or to move to Utah.
Be respectful of his choice to tithe. If you don’t get it or personally don’t agree with that, thats OK, but insulting a him is crossing the line, especially considering this is a RE related site. If you are representing the ethically divers and tolerant society that you call San Diego, I doubt you would bash a man for tithing.
I have to admit, I am disappointed with the content on these forums lately. piggington.com used to offer interesting stories on RE deals, prices, foreclosures, the latest trends. I came here for that info, and I hope we can still exchange that info. We used to debate RE prices, but lately I have seen us debating religion, personal choices, and politics.
I respect any political, religious, or ethical opinions one may have, but the posts I read are getting more and more personal, and more disrespectful. My biggest beef is that they are off topic.
I can see the occasional political reference, but I see no need to keep a thread going for 7 pages and two months about how Christianity is the root of all evil, or any other religion for that matter.
June 25, 2007 at 8:28 PM #62101ParticipantI have to agree with stansd on this. I am really shocked by those who are telling SDHH to ditch the tithing, and that it is stupid or silly. I also find it rude to tell him to move out of SD, or to move to Utah.
Be respectful of his choice to tithe. If you don’t get it or personally don’t agree with that, thats OK, but insulting a him is crossing the line, especially considering this is a RE related site. If you are representing the ethically divers and tolerant society that you call San Diego, I doubt you would bash a man for tithing.
I have to admit, I am disappointed with the content on these forums lately. piggington.com used to offer interesting stories on RE deals, prices, foreclosures, the latest trends. I came here for that info, and I hope we can still exchange that info. We used to debate RE prices, but lately I have seen us debating religion, personal choices, and politics.
I respect any political, religious, or ethical opinions one may have, but the posts I read are getting more and more personal, and more disrespectful. My biggest beef is that they are off topic.
I can see the occasional political reference, but I see no need to keep a thread going for 7 pages and two months about how Christianity is the root of all evil, or any other religion for that matter.
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