Here is an idea to find out if you can afford 2700 a month.
Posted By: SM. on 2007-06-16
In Reply to: interest-only payment - Luke S.
Start putting $2700 a month in a savings account now. Do this for 6 months. By then, you would have saved at least $16,200 plus any interest that would acumulate. Or just do it for 3 months if you cannot wait. Think about it. If you can't do that, then you cannot afford $2700 house payments. There will also be more expenses with a baby on the way, like daycare, diapers and formula but I would start with making a "house payment" to a savings account first.
Frankly, I would rather do without then have to depend on my family. But they are the types that think just because I need them for something, they can control my life. Maybe yours is not like that, I don't know. Also, I don't think working 2 or 3 jobs just to pay a house would work out for me. I could not enjoy that house if I had to work all the time. I'd never be home to enjoy it!!!!
Dh and i make a combined income of 70k. our house very small, only 820 sq foot. we only paid 29k for it. We only owe 8K now. We have two girls, one is 5 the other is 20 months. We are crowded but we are closer than most families. Our girls are both happy, healthy have lots of friends. My oldest is the smartest in her class, accoridng to her teacher. They both wear nice clothes, have nice toys to play with, have plenty to eat, get excellent medical care. I don't think they would have turned out any better in a fancier house. Maybe mroe spoiled though, Oh my, they are spoiled enough as it is.
Congrats on the baby and happy father's day. I think it includes fathers to be too.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
great idea!! Hope you find a nice peaceful place
He gave you those children, much to be thankful for......I had similar experience only he's still around (living)...good marriage until it went bad, drugs involved, and I divorced him....but children have a relationship with both of us....this is fine....so sorry for your loss too....
Loved your comment above about the MJ fields, the place you think he'd be happiest!! *lol* 
YOU can't afford to, your creditors can afford to.
nm
Yes, they do. 10-month teachers make more than 9-month
teachers. I know that for a fact. One of my sisters was a 9-month, one is a 10-month. They are compensated for working more scheduled hours.
Yes, especially if you are on a month-to-month basis
My mother had rental properties and has evicted tenants twice because her daughter (sis) decided she wanted to live there. Those tenants were pretty upset at the time too, because they didn't want to move. A landlord isn't required to have a reason for taking back their property or raising the rent. They will likely give you a good reference since you're been a good tenant.
A year after Katrina, all the landlords on the Gulf Coast decided to double or triple their rent, just because they could. Due to the housing crisis rents are going to continue to rise, because more people are losing their homes and looking for apartments. Its all about supply and demand.
The bright side is that working at home allows you to live "anywhere", so you could see this as an opportunity to move somewhere completely different. That's what I did, and I haven't regretted it.
If it is a month-to-month lease -
If there is no signed lease stating a specific time (1 yr, 2 yr, etc.) then it is implied as a month-to-month least and either the tenant or LL can terminate at any time.
I would look for a place pronto if I was the OP.
And she should get another job pronto too if the one she got ain't paying the bills. No reason to let it go on month after month, paycheck after paycheck, until you are in the street, that is just plain stupid.
If she is getting evicted --- there is more to this story I believe.
and even if you can't afford it, still better!!!..nm
When you can afford it.
fsd
You CAN'T afford it
If you are charging things and then paying only the minimum payment, you CAN'T afford it. You are paying interest charges and that's money down the toilet. You don't say how much you owe, but you owe too much if you are carrying over charges from month to month. You are deluding yourself if you think you can afford to spend.
What does afford mean?
When you can afford something, you have the money to buy it. You don't have the money to buy it or you wouldn't be racking up credit card debt. You can only afford it if you can totally pay off your credit card every month. You seem to be living in la-la land financially, based on your posts here. This would be a really good time to get a financial education before you find yourself in big trouble.
Please, nowadays many can't *afford* them
And not talking about people on welfare here. But they all still have them, sometimes many! Selfish, IMO. Today you better be making at least 100,000 a year or at least a very high credit card limit if you want a truly happy fulfilled child who can keep up with the Joneses and have everything everyone else has these days or at least a very high credit limit. ;)
I would LOVE to be able to afford a
I'd think I had died and gone to heaven! :)
I have preteen children at home and I would NEVER have been able to do this with infants or toddlers. I try to schedule my work when my kids are at school or asleep and, on the rare occasion they are home when I am working, I have very little disruption from them. They understand mom is working.
I have recently started doing IC and although I don't have to adhere to an actual "schedule", I do what is needed in order to be the best MT I can be AND I also do what is needed in order to be the best mother/wife I can be.
Bottom line for me is professional or not, inhouse or home, if my family doesn't come first, then I feel my priorities would be greatly misdirected. :)
I do understand your point about children and disruption though. Like I said, if my children were infants/toddlers, there is no way I could do MT work in even a semi-professional (is that possible? semi-professional??? lol) way at home, unless I had someone here to take care of them while I was working.
I couldn't afford the gas - nm
nm
I think I would tell here you just could not afford it, and state what
you can do, i.e., the week after. He is not obligated to go, especially if it is a $2000 trip with all things considered. If she cannot accept that, that is her problem. Be gracious, but just tell here there is no way to afford the trip. Or, why not just move your trip up a week, go for the entire week, and if there are not enough tickets for everyone, then your DH can go to the ceremony and the rest of you meet them afterwards.
My point exactly. He can afford it
and he should afford it. All the CEOs of all of these companies that are begging for handouts...this is what they should have to do.
All these CEOs for these companies that aren't doing good...I think they should jump on the bandwagon here. They cut our pay or pay us next to nothing, because they say the companies are not doing well...but they are not taking paycuts or cutting bonuses for upper management.
I would give them what you can afford
and if they don't like it, it's their problem. It's the thought that counts. A teenager should enjoy a gift certificate to the movies or to his/her favorite clothing store. As for the adults, my husband and I have been giving our parents gift cards to their local grocery store. Everyone needs to eat. I'm glad we don't run into these problems with our families. Everyone is happy to get something no matter how inexpensive. Try not to stress too much about it.
If anyone can really afford 14 kids, ok but
a single parent, living with her parents, breeding 14 kids and I would almost bet we are the ones really taking care of the kids, not her. I remember some time ago when my housekeeper remarked to me about her cousin having a brood, about 7 and I asked what kind of work did the mother do and when told I said, she cannot possibly take care of all those on that salary. I was told not only did she receive welfare but also section 8 for the house and my housekeeper wanted to strongly argue that this woman "takes care of her own." You don’t do that when you don’t pay for your own. I don’t know but I never got any money for raising my own kids and I resent strongly taking care of others. I think the government should do some kind of reduction on this family.
If you buy from a catelogue, then you can afford
QVC or HSN either one. I have bought from Catherine's but they are a little higher. You can get clothing all day long reasonable from the channels and no one has to complain about wearing mumus or the like. I buy almost exclusively and even have an account with HSN but like QVC better, I think.
I can only afford a Ford! LOL! (Afford a Ford?)
xx
I cannot afford the Gevalia, but
my mother gets it - it is SO expensive but she can afford it - and from time to time she gives me a box. It is wonderful, wonderful stuff. We both drink our coffee very strong, which makes it even more expensive. I can't imagine there is any better coffee anywhere.
Oxymoron indeed! LOL. Single is definitely best if you can afford it : )
x
I love it. I wish I could afford someone every week.
It is just a huge relief when I don't have to do that heavy cleaning once a week. We have 2 dogs too and the dog hair drives me nuts!
Can you afford to have a mother's helper SM
Come into your home for 2 to 3 hours a day? Maybe she could play with your son and do "school" with him (art, puzzles, colors, shapes). It would be similar to having a 1:1 aide like some children require in public school. Maybe she could let him be her helper baking cookies. She can praise him for being such a big helper.
He might feel really special having extra attention. Then, if he got too out of hand, she could take him for a walk or take him to a safe room where he could play (or throw a fit) where it won't interrupt your time with your other children.
Having a high-strung child is very exhausting. You love them but find yourself resenting them a lot of the time too. It would be doubly hard from someone like yourself who is with them 24/7. You need a break from him, and he needs a break from you too.
Big hugs...I'm sorry you're going through this. Next time he acts up, give him a hug and tell him you love him. Maybe try cuddling with him for a few minutes until he calms down. It's worth a shot! LOL...although that might train him to want to throw fits so mama will cuddle with him.
Chickadee
How can anyone afford a luxury like a facial
I can't even keep food in my fridge or gas in my tank!
SURE he can afford to work for a dollar --
What a load of manure.
Can't afford to be hooked to anything, except typing right now!!!
nm
Find a lawyer, find out where you would stand - sm
in the event of a divorce/separation, regarding custody, house, etc. Custody was my main concern as well since I lied on numerous occasions about the finances. Where I am I was told that would not factor in to the custody at all. I can prove that I am my kids caregiver 90% of the time, I ferry they around everywhere, help with homework, get ready for school, meet at busstop, etc. I could also point out my husband is an alcoholic, self treats his depression with alcohol instead of getting proper medical treatment, has threatend to kill himself (or me) numerous times (though he always says he was joking and did not mean it.....that is his standard answer to everything, or that he never said that). Now I do love him enough to deal with all that because deep down inside my DH is full of it, luckily for me, he has never followed through on anything he says he is going to do. But I thought my confession would be the straw that broke it all and send him over the edge. He still is angry with me, I am sure he will be for a long time, but is keeping it together pretty well, though he has said the stress was going to kill him, now he know how I felt I guess. I am sorry your husband is such a smuck. I feel like a dog sometimes with the sex demands, have to do it the night before he goes out of town....he will be traveling a lot for work for the next 3-4 months, which I am more than glad about, much calmer here then, though it gets tiring for me but as he is not really helping much right now it really won't be much of a change. As for yours going on 5 day weekends.....have you considered having him followed, sounds like there may be some infidelity afoot, and if so that would strengthen your case in the event of a divorce and custody I would think. Sounds a bit fishy going out until 1 a.m. and his frequent trips. My DH fishes too, but he goes 2 miles from here with one of our male neighbors, they shoot the breeze and he gets to unwind some which I encourage. Very rare weekends with a buddy of his, I am talking once every 2 years, which again is fine with me. Start keeping track of all you do, when he is home, where he supposedly goes, with whom, etc. He cannot show he will be a responsible dad if he is never there or never interacts with his own kids. My DH would probably suggest I take our older daughter and he the younger, spliting them up, he has the same perception, the oldest is mine, the youngest is his. Our younger daughter is much easier to deal with, our older daughter drives him nuts and she is only 10. My younger one (8) knows something has been going one though, and worries we will divorce, which she does not want. She is very perceptive for her years. I hope that if you do go the divorce route, which would actually probably be best in your situation, that it all works out for you and you get your fair share of assets, etc. Make sure before you do anything like that you have all your ducks in a row, so talk to divorce lawyer. I talked to one for 45 minutes, cost me $160 but was worth it to set my mind at ease. Good luck.
Owning a pet is a privilege, not a right. If you can't afford health
;
Can you afford at least a 50% paycut? Here in the SE, our teacher's aides don't sm
make more than 10.00 per hour and that is for experienced TAs. You will probably start out at 7.50 to 8.00 an hour.
But, if you just need a little spending money and think that your peace of mind is worth that much in pay, then you should go for it.
I'm a great advocate in doing what you love most in order to be happy in life. Have a dream or vision and then go after it no matter what it takes. Those kind of people live the healthiest, happiest lives. Good luck to you!
I say go for it. If I could afford to work outside somewhere making less than $10 per hour
I'd get out of this field in a second :)
Well, if ya can't afford a nanny,don't be looking into time shares!
I am just shocked that people actually set out to do this with no intention or interest whatsoever for a measly 50.00 or tickets to SeaWorld! Guess desperate times call for desperate measures? Yikes.
Can't afford fancy concrete statuary..
so in my flower beds I have a collection of rusty junk, old andirons, the decorative ends from a metal park bench, old birdcage, buckets, wagon wheels.. the crowing object is a handmade birdhouse that looks like an outhouse that my brother in law made with a rusty tin roof... I call it country classy...
Vari kennel crate if you can afford sm
Used this instead of wire, chew toys, water cup on front gate, they grow to love it as their "home" and you will wonder why you didn't buy one before, it more than pays for itself and you don't have to worry while away. I had several dogs who did hundreds of dollars worth of damage. I did not know about crating. Used sour apple spray for one dog, another like it! Talk to the pet supply store and look for ads, trainers buy crates up fast in the paper, I drove 100 mi. round trip for my Vari Kennel, plastic with wire front gate, not as ugly as the wire ones. If it's too big, put a cardboard separator until the dog gets bigger, then the bigger, the better they like it. They feel protected and actually want to go in there as time goes on. Good for when you have company who doesn't like animals as well. They also have fancier ones online that look like furniture but expensive.
Tell you dentist to put 'veneers' over your teeth, if you can afford it nm
nm
Because I gained weight quickly and can't afford to replace all my clothes at once (sm)
plus I am trying to lose weight and hope that they will fit again and I won't have to replace them all.
buy every month
Melaleuca products you have to buy 35 products points each month to keep your account. Which is anywhere from $40 a month to whatever you want to buy. You don't necessarily have to work the business part you can earn a check each month without actually signing up any customers. Customers will be put under you by other people and you will be making money off of the products that they buy. That is waht my mother does. She isn't in it for the business she just loves the products and still gets a check each month
$347 per month
x
Don't go out to eat except maybe once a month.
It's amazing how much money you will save by doing all the cooking yourselves at home and brown-bagging lunch. This includes those $2 cups of coffee here and there every day--really adds up fast!
Keep your goal somewhere in site...literally slapping a picture of your dreamhouse on the fridge or some place you'll be reminded every day of why you are making the sacrifices you are making. Good luck!
Since you have a month, why don't you
get together and do a pic of the team or even a few and frame it! I'm sure he'd like that. You can even go to one of those machines, have it blown up and have it say something special down below.
Also, they like gift cards to the local convenience store. Everyone could use a gift of "gas" especially when they are volunteers...
Happy sporting! Glad you had a great coach!
Ours is usually between $200-$250 per month.
Our electric company has some of the highest rates in the country...lucky us! Our bills usually go up a bit in the summer from using the air conditioning and running the pump for our pool. Electricity is definitely our highest utility bill!
Don't have your mammo at the end of the month, then.
Or it will hurt. Schedule it when they aren't painful. I've had it before, but I took evening primrose oil capsules for maybe six months. No more trouble.
Won't the be surprised next month
This happened to an older friend of mine. Poor thing couldn't get another policy to save her life, and it wasn't a cosmetic issue, it was like entire siding pieces that flew off of her house. Oh, they and came fixed it, then they dropped her like a bad disease. They'd better be careful. Just a friendly warning... I don't know if I'd let the homeowner's insurance in on that deal, I'd cut my losses and replace the carpet.
TOM = Time of the month (sm )
Was trying to be a little modest - sorry!
Just in Vegas about a month ago
Go there a lot, the Flamingo is catty-corner to the Bellagio where we have stayed the last 2 times there. Know where it is because I went to a show there. Older place, smoky, they have real flamingos out in the back with ducks, etc, been there but not to stay. Toni Braxton headlining there and George Wallce comedian there now. Know what I talk about.
I know, she hasn't been on here in about a month or so
Hope she's okay.
I've had it about a month, it's almost gone (sm)
Dr. gave me an inhaler for the anti-inflammatory properties and a decongestant. I keep debating whether to go back but it is so low grade...I will probably wait another week or so and see if it goes away. Hope you feel better soon.
2- month window
and then there won't even be a way to give a bad rating of the dealer.
Will you come and live with me for a month or so? nm
!
wow you pay 350 a month for a HOUSE?
lucky duck, I pay 465 a month for a rented townhouse
Last month I spent $321 for 3 of us.
It's just DH, 18 year-old son, and I. We live in the Philadelphia area. We generally eat far less meat than most American families, but we aren't vegetarian. My son commutes to a nearby university and works there, as well. He provides his own lunches, and probably only eats breakfast at home half of the time.
Now, if you want to factor in what we pay for the meal plan for our son who lives away at college, well then... that's a whole other story! KA-CHING!
My 10 month old, Starr, does that, too.
I actually have pictures of her sitting in front of the TV in the office watching Animal Planet, Kung Fu Panda, and Transformers. I can see her tracking the action with her head and every once in a while she'll bat at the tv screen with her paw.
It's the cutest thing.
$250 a month is average for us.
We live in a TINY 1-bd condo and pay an average of $250 a month. We don't use heat or air and have quit using our dishwasher and have decreased our hot water usage. We unplug everything we are not using. We have been able to knock about $75 off our bill by doing these few things. Right now the only electricity we use is for our appliances (fridge, stove, etc.), lights only at night and when we absolutely need them, and for the TV and computer. We are seriously looking into solar as soon as we buy our new home as the electric rates here are crazy and can't imagine what it would be if we lived in a larger home.
|
