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ParticipantThis is the funniest thread I’ve read on here! Temeculaguy, you are seriously cracking me up, LOL!!
Ok, I thought this one was pretty funny. Check out the dude washing the dishes. And the floor shot of the metal bed frame with the mattress next to it is a nice touch as well.
ParticipantThis is the funniest thread I’ve read on here! Temeculaguy, you are seriously cracking me up, LOL!!
Ok, I thought this one was pretty funny. Check out the dude washing the dishes. And the floor shot of the metal bed frame with the mattress next to it is a nice touch as well.
ParticipantWow, just wow. I’d like to change my answer from you’re not doing anything “wrong” to yes, you are clearly doing something WRONG. Rationalize your lemonade all you want but you are stealing and you know it. Keep up the tithing; I hear inmates find their faith very comforting.
ParticipantWow, just wow. I’d like to change my answer from you’re not doing anything “wrong” to yes, you are clearly doing something WRONG. Rationalize your lemonade all you want but you are stealing and you know it. Keep up the tithing; I hear inmates find their faith very comforting.
ParticipantOC native. Moved to SD in 92.
ParticipantOC native. Moved to SD in 92.
ParticipantI wouldn’t say you’re doing anything “wrong” but you certainly could free up some money. First, while I can appreciate a family contributing a 10% tithe, I would bet on the fact that even God himself wouldn’t want you to do so if it was at the expense of saving for yourself. Why not stop tithing until your student loans are paid off and you and your wife can volunteer your time at your church instead? I kind of doubt you’re going to take that advice so, how about your gas expense. If you are renting, move closer to work. Your grocery bill also seems high for a family of 3. We have 5 in our family and average $400-500. And by the way, I have stayed home full time with my 3 kids ever since my first was born. We have always had life insurance and always contributed to retirement and college funds. Our housing expense is a lot less than yours though due to the fact that we bought pre-bubble and had a large down payment (both of us are big savers). Having me stay home with the kids was always a huge priority for us. So if we couldn’t swing SD on one income, we’d move.
ParticipantI wouldn’t say you’re doing anything “wrong” but you certainly could free up some money. First, while I can appreciate a family contributing a 10% tithe, I would bet on the fact that even God himself wouldn’t want you to do so if it was at the expense of saving for yourself. Why not stop tithing until your student loans are paid off and you and your wife can volunteer your time at your church instead? I kind of doubt you’re going to take that advice so, how about your gas expense. If you are renting, move closer to work. Your grocery bill also seems high for a family of 3. We have 5 in our family and average $400-500. And by the way, I have stayed home full time with my 3 kids ever since my first was born. We have always had life insurance and always contributed to retirement and college funds. Our housing expense is a lot less than yours though due to the fact that we bought pre-bubble and had a large down payment (both of us are big savers). Having me stay home with the kids was always a huge priority for us. So if we couldn’t swing SD on one income, we’d move.
December 5, 2006 at 2:52 AM in reply to: The “Property Tax” Factor and People Just Don’t Care what Things “Really” Cost #41140ParticipantYes, people do consider it. People like me. I bought my house in Carlsbad in ’93 and paid 185K (no HOA, no Mello Roos). It’s been totally remodeled by my crafty husband throughout the years. We now have 3 children and I would LOVE to buy a bigger house. Obviously we have a ton of equity in our home and could afford a step up in the area. But I will never, ever throw all of that $$ down the drain in property taxes, HOA, and Mello Roos. The increase in those payments alone would be more than our existing mortgage! We won’t even consider moving with the home prices today and the resulting property taxes we’d have to pay for the rest of our lives. It’s just not worth it. In the next few years we’ll either add on to the house or continue to watch the market to see if houses get anywhere near back to reasonable where a move would make sense. And even then, there’s no way I’ll pay some of the outrageous HOA and Mello Roos fees. I’d consider paying a reasonable HOA if it offered something in return. Mellos Roos, hopefully you can catch the property after the previous owners have already paid it off or close to it.
And yes, I too laugh at the people who say, “I made xxxK on my house”. They never mention how much money they paid into it or the costs involved with buying and selling a home and moving. I’m not under any delusion that remodeling our house cost money (though we have saved a bundle doing it all ourselves but that takes patience and hard work). And I’m well aware of all of the interest we have paid throughout the years (I have a spreadsheet that shows the exact figure). But we make extra payments towards the principal of our loan every month and it will be totally paid off in 2009.
I think a lot of people are only concerned with the monthly payments because quite frankly, that’s how they live: month to month, paycheck to paycheck. And that’s why these same people won’t be able to handle it when their monthly payments increase on their ARM’s.
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