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He's had 4-5 jobs he's been let go from in the last 2 years?  There's something wrong
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Apr 29, 2015 13:52
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Gasoline is listed twice and why is Netflix 15 dollars? e: also, stop the tithe. the message was supposed to be to give what you can, not make sure you give 10% or straight on the hellbus you go
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Apr 29, 2015 14:09
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No Butt Stuff posted:Gasoline is listed twice and why is Netflix 15 dollars? The Mormons do not believe that. It's 10% of your gross income no matter what. To be fair, they take care of their own. But they should with all that tax free money coming in.
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Apr 29, 2015 14:30
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Wow, I had to tell the man friend how happy I am that he's not a retarded loving albatross. Also, she has to be on call 24 hours per day but her take home is only $3200 a month? Huh?
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Apr 29, 2015 15:13
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FrozenVent posted:Wouldn't just cutting the savings and the tithe bring them to neutral cash flow? And hers, she earns $3200/month and is on call 24/7.
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Apr 29, 2015 15:14
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or 
I can't decide.
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Tithe. Lol.
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Apr 29, 2015 15:37
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LeeMajors posted:Tithe. Lol. It seems to be a recurring theme in a lot of Bad With Money posts (not on SA, but on reddit etc.) where someone's monthly net income is negative and they're pissing away 10%+ of their income in tithing. Just baffling. And it's always one of those things that they'll defend as a necessary expense. Take care of yourself before charity, lest you become a charity case.
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Apr 29, 2015 19:26
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Guinness posted:It seems to be a recurring theme in a lot of Bad With Money posts (not on SA, but on reddit etc.) where someone's monthly net income is negative and they're pissing away 10%+ of their income in tithing. Just baffling. And it's always one of those things that they'll defend as a necessary expense. Heaven ain't cheap 
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Apr 29, 2015 19:29
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Guinness posted:It seems to be a recurring theme in a lot of Bad With Money posts (not on SA, but on reddit etc.) where someone's monthly net income is negative and they're pissing away 10%+ of their income in tithing. Just baffling. And it's always one of those things that they'll defend as a necessary expense. The woman is in financial dire straits (of her own doing), yet refers to the tithe as non-negotiable. I guess that isn't her biggest problem by a long shot, but it still makes me giggle.
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Apr 29, 2015 19:34
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I've noticed that a lot of followers of Dave Ramsey prioritize tithing over everything else in their budget, even during emergencies or when in debt. Yet another reason why anyone I meet that takes Dave's advice as gospel can immediately be written off as Bad With Money. I work with 3 of these people.
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Apr 29, 2015 19:44
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Celador posted:I've noticed that a lot of followers of Dave Ramsey prioritize tithing over everything else in their budget, even during emergencies or when in debt. Yet another reason why anyone I meet that takes Dave's advice as gospel can immediately be written off as Bad With Money. I work with 3 of these people. I've never paid enough attention to Ramsey to hear about this, so I just looked into it Holy hell, the doublespeak he and his followers spew is maddening.  "Tithe and the Lord will take care of you! Don't worry about making ends meet, do your part and He will protect you!" "Help I'm in crushing debt and still paying five figures a year to the church" "That's your responsibility, God isn't going to bail you out. But tithe anyhow!"
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Apr 29, 2015 20:13
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[quote="http://www.reddit.com/r/personalfinance/comments/3481kq/27_95kyr_20k_of_debt_tried_ynab_mint_even_sold/" post=""""] Hello PF, I'm losin' it. I have no clue what the hell to do. It feels like I am barely able to make it halfway through the month, and I've been selling my stuff to try to get some extra cash flow but it's falling apart in front of me. I have $0 in savings, no emergency fund, and no emergency line of credit. If I were to need to cough up $2000 today, I would have to sell my furniture, TV and computer rock bottom and/or ask family for help. Here is what I am dealing with: INCOME: $5507/mo after taxes Monthly Bills: Rent: $2240 Internet: $112.97 Smartphones: $170.56 Amazon.com Card: $85.00 (minimum) Fry's.com Card: $37.00 (minimum) Credit Union CreditCard: $50 (minimum) Water, sewer, trash: this comes every 3 quarter, already paid. Electric: $98.22 Natural Gas: $75 Other Monthly Expenses: Food: $350 Gas: $50 Google Play Music ~$12 Google Play Music for partner ~$12 Netflix: ~$10 Car Insurance: $100 Support for partner: $110 Debts: Amazon.com Card (Limit $3000) Purchase APR 22.24% Cash APR 23.24% Balance: $2,988.36 Minimum payment: $85.00 USAA Personal Loan (previously was for debt consolidation, then things blew up) Interest Rate: 16.75% Balance: $10,643.78 Minimum payment: $318.42 Credit Union CreditCard ($2000 limit) Purchase Rate: 7.99% Cash Advance Rate: 12.99% Balance: 1993.36 Minimum payment: $50.00 Fry's.com Card ($1600 limit) Interest Rate: unknown Balance: $1537.09 Minimum payment: $37.00 T-Mobile EIP: $1768.14 (2 x Note 4's and a Nexus 9) (included in monthly bill) Medical: Debt from getting an ultrasound done: $156.77 Debt from getting an echocardiogram and stress test: $1107.60 Primary care doctor: $67.31 Sleep study: $34.85 My partner is going through surgery and recovery and as such is unable to work or have any sort of income thus I am the only income for the home. I also went through some horrible medical junk the past couple years so that hurts too. I am hopelessly lost on where to start, how to get the ball rolling, and the order in which I should be chipping away at this debt. I have tried YNAB (too much work and ultimately too confusing for me) and Mint (bugginess with interfacing my accounts and not really nailing the point home for me) and neither seems to be a good tool for me. I'm tired of selling things to try to get some cash so that I can make a grocery trip when food runs out or put gas in the car when we need to go to the doctor to follow up on things. Any guidance would be greatly appreciated. [/quote] Wherein a man spends $600/mo on weed in lieu of paying off ~$17000 in high-interest consumer debt
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Apr 29, 2015 20:19
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Edit: ^^^ lol SloMo Dave Ramsey usually says that if you can't get out of debt on 90% of your income, you won't be doing it on 100% either. He pushes people to really dig deep, like 50% of take-home deep, to get out of debt. In the time I listened to him, he mentioned tithing positively but certainly never demands that anyone do it. If you don't have kids or property, the baby steps are basically BFC canon. MrKatharsis fucked around with this message at 20:26 on Apr 29, 2015 |
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Apr 29, 2015 20:23
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Yeah Dave is actually really good when it comes to getting people out of crippling debt with no idea how to budget or live within their means. He falls short when it comes to retirement/investment advice and there is a noticeable emphasis on tithing/charity because he's a devout Christian.
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Apr 29, 2015 20:28
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quote:Looking at my main bank account, in the last 30 days I've sank:
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Apr 29, 2015 20:30
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600 dollars... How do you even do that? I mean, Jesus Christ.
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Apr 29, 2015 20:35
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No Butt Stuff posted:600 dollars... How do you even do that? 2 ounces? I haven't partook in a long time so maybe my price estimate is off, but that seems doable with two people.
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Apr 29, 2015 20:37
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MrKatharsis posted:Dave Ramsey usually says that if you can't get out of debt on 90% of your income, you won't be doing it on 100% either. He pushes people to really dig deep, like 50% of take-home deep, to get out of debt. In the time I listened to him, he mentioned tithing positively but certainly never demands that anyone do it. Sure he doesn't "demand" it, but he talks out of both sides of his mouth an awful lot. Dave Ramsey posted:Q: Is it acceptable to pause tithing in tough financial times? Dave Ramsey posted:No, I wouldn’t stop my tithe. I wouldn’t reduce it. It’s a tenth. I tithed all the way into bankruptcy court and all the way out. These are a loving Father’s instructions for His kids. Dave Ramsey posted:When does it occur? As I’ve studied it in Scripture, it’s real clear that it’s off the top as it says in Proverbs. That’s before anything else occurs. Having said all of that, there’s enough toxicity in Christianity and misinformation, so let’s back up from that. God loves you whether you give money to the church or not. He doesn’t love you more if you give. We’re not going to get into performance-based legalism. We’re just doing this because we love God and that’s what He’s telling His kid to do. I’m going to follow that. Which all sounds reasonable, but judging by the comments I see from his followers it's pretty clear the spirit in which the message is given and received (not that it's really unclear what his stance is.)
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Apr 29, 2015 20:40
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Knyteguy posted:2 ounces? I haven't partook in a long time so maybe my price estimate is off, but that seems doable with two people. Buy lower quality or something if you have to have your house look like Cheech and Chong's car. Good freaking lord that's a lot.
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Apr 29, 2015 20:44
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A gram of weed a day per person is a pretty heavy dose. No wonder they lost track of their money. Any reasonable person can drop Dave Ramsey's tithing advice into the ignore bucket alongside his tax and investment advice. He's no more an ordained minister than he is a CPA or economist. The $150 non-negotiable tithe isn't exactly breaking the bank for that redditor either. They could keep the tithe and still be comfortably afloat with some other fairly obvious changes. Some people just like their Jesus and you can't change that.
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Apr 29, 2015 20:46
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If you're going through 2+ ounces of weed per month, buy a loving vaporizer and consume 1/4 as much bud, get just as high, and be a poo poo load healthier from not putting 2+ ounces of burnt weed into your lungs. It'd pay for itself within a month or two and you won't have chronic wheezing and coughing. Even between two people, that's a poo poo load of weed consumption even as an everyday user.
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Apr 29, 2015 21:04
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Not a Children posted:Wherein a man spends $600/mo on weed in lieu of paying off ~$17000 in high-interest consumer debt  how is food running out?
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Apr 29, 2015 21:36
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Guinness posted:If you're going through 2+ ounces of weed per month, buy a loving vaporizer and consume 1/4 as much bud, get just as high, and be a poo poo load healthier from not putting 2+ ounces of burnt weed into your lungs. It'd pay for itself within a month or two and you won't have chronic wheezing and coughing. Seriously. I could stretch an ounce out to a whole year if I only vaped. Also, you get to use the end product to make edibles!
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Apr 29, 2015 21:37
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I went through some atrocious weed spending in my past but never got that high. Well I was gonna post something else but my own joke distracted me, so I'm done now.
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Apr 29, 2015 22:30
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cowofwar posted:With an income of $5,500 a month after taxes spending $600 on weed shouldn't be an issue. After rent there is still $3300 left to spend so Munchies.
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Apr 29, 2015 23:09
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As an atheist, I suppose I am incredibly biased--but I can't imagine considering a contribution to your church as 'non-negotiable' when you are in the midst of a personal financial crisis. Every christian I know goes on and on about good works not making any difference in salvation, but will happily fork over their hard earned money to the church. gently caress that.
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Apr 30, 2015 00:07
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LeeMajors posted:As an atheist, I suppose I am incredibly biased--but I can't imagine considering a contribution to your church as 'non-negotiable' when you are in the midst of a personal financial crisis. I'd assume it comes from the book of Job. Job starts out prosperous, then loses everything (including his family and health), but remains faithful to God through all of it and God ends up rewarding his loyalty by giving him double the riches and a new family.
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Apr 30, 2015 00:42
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I kind of like the idea of people putting in a fixed amount in their budget for charity every month instead of waiting until they feel guilty enough about the disaster du jour to donate. The world would probably be better off if everyone did that. Though churches are probably not the most useful place to spend all that money.
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Apr 30, 2015 00:46
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LeeMajors posted:As an atheist, I suppose I am incredibly biased--but I can't imagine considering a contribution to your church as 'non-negotiable' when you are in the midst of a personal financial crisis. Probably spend a lot of time at church and functions, justify it as paying for it.
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Apr 30, 2015 00:46
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Pompous Rhombus posted:Yeah, I was surprised how much my lone $330 community college class got me: aforementioned Amazon Prime Student, Lynda.com access, and a number of other perks. Also a pretty interesting online Intro to the Short Story class Lynda.com is awesome, I was paying for it before I found out it was included with my library card. King County (WA) libraries continue to be amazing.
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Apr 30, 2015 01:02
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I'll probably be skewered here for this, but my church does an incredible amount of good with its budget. We fund shelters, a place for disadvantaged children in the city, and other very good things. Yes, those who are helped know who's providing it, but we're not beating them over the head with bibles. The overhead for the building and modest salaries for the few employees are a small portion of where the money goes. I'm certainly happy to fork over a few hundred a month. I'm under no illusion that doing so will save my soul, but I know it makes me a better person than I would otherwise be. Of course, my cars are paid off and I max out my 401k first.
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Apr 30, 2015 01:27
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High Lord Elbow posted:I'll probably be skewered here for this, but my church does an incredible amount of good with its budget. We fund shelters, a place for disadvantaged children in the city, and other very good things. Yes, those who are helped know who's providing it, but we're not beating them over the head with bibles. You might say.... you can... afford... to tithe?
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Apr 30, 2015 01:34
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Florida Betty posted:I kind of like the idea of people putting in a fixed amount in their budget for charity every month instead of waiting until they feel guilty enough about the disaster du jour to donate. The world would probably be better off if everyone did that. Though churches are probably not the most useful place to spend all that money.
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Apr 30, 2015 02:05
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cowofwar posted:Private charity is biased and inefficient compared to what the government can do. Simply increasing income taxes has better results in every way. This isn't even close to true - governments spend most of their money on their own citizens, and the most efficient charities don't generally involve the first world. http://www.givewell.org/ is a charity efficiency rating charity and according to them, the Against Malaria Foundation saves a childs life for roughly every $3,340 donated. Do you think that an extra $3,340 in tax revenue, divvied up as the government's budget is, would save a child's life?
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Apr 30, 2015 02:10
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Government isn't just bad with money, it's bad with other people's money, a far worse sin.
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Apr 30, 2015 02:20
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cowofwar posted:Private charity is biased and inefficient compared to what the government can do. Simply increasing income taxes has better results in every way. Governments might be more efficient compared to say, the Clinton Foundation, but not much else.
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Apr 30, 2015 02:37
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Man yall aren't very dedicated pot smokers. Vaporizing always got me less high, I could spend an hour trying to get high with a vaporizer before getting annoyed and smoking. But I would get tore up, just being a little high wasn't ever what I was going for. I spent at least $100/week on weed for just me, probably more most of the time. Edit: I'm late to this party, my bad. I budget a 10% "tithe" but I give it to the world wherever it's needed. I think the philosophy of a tithe is wonderful. Dave also says that giving is for you, not for God. Letting go of material things and just giving it away allows you to be less attached to material poo poo, and less entitled. I agree. I also agree taxes are a totally valid way of helping society. Doesn't give you "saving the third world" fuzzies but it is supporting local schools and roads and fire departments and trash collection and the national weather service so yeah I'm quite proud to pay my taxes. (Also I chose to have this attitude so I don't get mad that I pay taxes back to the U.S. without living there. I use so much GFS weather data that I should pay my portion.) Switchback fucked around with this message at 03:40 on Apr 30, 2015 |
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Apr 30, 2015 03:21
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Jeffrey of YOSPOS posted:This isn't even close to true - governments spend most of their money on their own citizens, and the most efficient charities don't generally involve the first world. What he is saying is problems in your respective developed countries could be better handled from increasing taxes and using the money directly to fund programs that look into solving these problems. Off the top of my head (not american): your homeless problem, your healthcare (sorry lets not start this argument), drug problems, pregnancy/family planning programs (I think these are happening now?) and other things. Also yes a government could easily out perform any charity organisation whose job is to distribute nets to thousands of people in 2 countries in Africa. Suspicious Lump fucked around with this message at 04:42 on Apr 30, 2015 |
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Apr 30, 2015 04:36
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Suspicious Lump posted:I think you missed his point. He isn't talking about an African country increasing taxes to reduce malarial burden or USA increases taxes to provide donations to these countries. Not with $3,340 it couldn't. If he US government diverted funds from efficient charities that operate in the third world to taxes, it would do net harm to humanity. The same is true for a great many world governments. That makes them not more efficient to give to than charity if you care about doing the most good worldwide. I'm not making a policy recommendation for the third world government. The difficulty of the problem will change with scale and yes, at some point that charity won't be the most efficient way to do good any more, but right now, giving them some amount money does more good than giving that money to any given government.
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Apr 30, 2015 05:08
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BEHOLD: MY CAPE posted:You might say.... you can... afford... to tithe? I agree that charity in general(and tithing if your religious beliefs swing that way) has a place in a budget, but that comes after you've stabilized your finances and can actually afford it. I have a feeling that if the people in these dire financial straits would talk to their pastor, they might find that the church is okay with them lowering their giving(or giving time instead of money). At least if their church actually cares about helping people & isn't just using tithes to encase everything in solid gold.
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Apr 30, 2015 06:08
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