Speaking of Money

Avatar for rollmops2009
iVillage Member
Registered: 02-24-2009
Speaking of Money
928
Sat, 03-02-2013 - 3:33pm

Here is a SAHM who takes careful budgeting to new heights. It must, of course, be noted that since her DH is military, the family is probably covered in terms of health insurance. 

http://finance.yahoo.com/news/how-a-family-of-four-manages-to-live-well-on-just--14-000-per-year-174803218.html

"Wagasky, 28, lives with her her husband, Jason, 31, and their two young children in a three-bedroom family home in Las Vegas, Nevada. While Jason, a member of the U.S. Army, completes his undergraduate studies, the family's only source of income is the $14,000 annual cost of living allowance he receives under the G.I. Bill. Despite all odds, the family has barely any credit card debt, no car payment, and no mortgage to speak of."

[...]

"By the time Wagasky's husband came home from Iraq, they had managed to scrape together the $30,000 they needed for a downpayment on a home. 


"But we decided the best option would be not to have a mortgage payment at all," she said. "We found a fixer-upper that didn't have a kitchen ... and we paid cash." "

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iVillage Member
Registered: 09-01-2002
Sun, 03-03-2013 - 7:47pm

rosenylund wrote:
Sorry your assumptions were wrong Puss. I have been saying this from the beginning but it seems you wanted to believe otherwise. Not everyone who leaves the military on their own gets kicked out. I am sure you are well aware of this.

You're absolutely correct.  A person can quit the military with an honorable discharge.  There is room for discretion.  And many times, in the military, the proof is in the pudding ~ if not discharged honorably, a person can prove himself after the fact and re-apply.  

It saddens me to hear even ex-military families unforgiving of, for example, those troops who may have done 3 tours but simply have to quit, no extenuating circumstances, when ordered to return for a 4th tour in a war zone in an unjustifiable war.

iVillage Member
Registered: 03-01-2013
Sun, 03-03-2013 - 7:45pm
Yes, Littlemiss I am aware of that and again, I personally know people in the military right now who is getting housing and know how it works. I am aware of all of these things: http://www.goarmy.com/benefits/money/allowances-covering-the-cost-of-living.html
iVillage Member
Registered: 09-01-2002
Sun, 03-03-2013 - 7:42pm

puss_boo_kay wrote:
<p>I suspect the OP's military is the Super Sekrit Sparkley Military where they don't get DD214s; they just leave a letter of resignation on their bunks and go home.</p>

It's a question of military law.  Have you ever represented anyone in a military tribunal?  One most certainly can quit and get an honorable discharge.

iVillage Member
Registered: 01-08-2009
Sun, 03-03-2013 - 7:40pm
Rose, I sure that you are aware that the healthiness of canned foods varies. Personally, I prefer fresh, then frozen, then canned for most things. I've discovered a line of healthy organic vegetarian soups (Amy's) that I kept around for when my older son drops in unexpectedly at meal time as he is a food snob and we are not vegetarians. He won't eat my fajitas for instance, but he'll heat up a can of la-de-da soup and eat with us. And, it IS tasty stuff. I will heat up a can for lunch on the run myself occasionally. I also use canned tomatoes and tomato sauce. They are certainly not as good as making my own, but sometimes the convenience factor trumps everything else!
iVillage Member
Registered: 03-01-2013
Sun, 03-03-2013 - 7:34pm
Rollmops-what would qualify for "unfit for duty"?
iVillage Member
Registered: 01-08-2009
Sun, 03-03-2013 - 7:32pm
A cashmere sweater, however shabby, probably still needs to be dry cleaned. It is not something a truly needy person is likely to choose - something shabby and yet high maintenance! We don't have a church thrift shop but we do have a massive church basement sale once a year. All proceeds go to provide scholarships and supplies for our church preschool . People in the congregation and the community donate very nice things, some telling us they have been saving their outgrown or unwanted things all year. And church members, hardly indigent, shop there. I have bought a few clothes, but more likely antique dishes, vintage Christmas ornaments, things such as that. Those who work the sale are allowed to set aside items up to a certain limit, and they are priced along with everything else, so the money goes to the same cause. We also have a thrift store in town that sells only used professional and formal clothes. I shop there all the time. I need formal clothes fairly regularly lately, usually for out of town events, and I would rather pay $25.00 than $250 for a dress I might wear twice before donating back. Oddly enough, the poor are less likely to use this shop than middle class people. The proceeds from this particular shop actually go in to buying vouchers that are given to local schools to give to needy families who need school clothes and seasonal things such as coats and gloves and athletic wear.
iVillage Member
Registered: 03-01-2013
Sun, 03-03-2013 - 7:32pm

Bord-yes there were canned goods in many of the recipes. According to many posters (I thought you also), canned goods are not eating "better" as you have described this woman's menus.

(I think the family is eating better than the average American family.)

Avatar for savcal2011
iVillage Member
Registered: 10-06-2010
Sun, 03-03-2013 - 7:15pm
I buy clothes occasionally at thrift stores - one in particular that has quite a range of nice things. And I send almost all of my old stuff or stuff that doesn't fit to the same store (and I don't even take the tax deduction). Sometimes though I donate to a specific cause, like when fires cam ethrough here a while back, we gathered up 6 kitchen trash bags full of clothes and another 2 of toys to donate to the affected families. I can afford to shop retail, but why pay $100 for soemthing new that I can get for $5 used? The store I shop at uses the proceeds (and all workers are volunteers) to aid a local nonprofit hospice.

"I don’t mind a banshee, that’s fine. 2 banshees? I HATE you. I actually wish bad things upon you." -- Day[9] Daily #459 P1

Avatar for savcal2011
iVillage Member
Registered: 10-06-2010
Sun, 03-03-2013 - 6:59pm

just_another_marla wrote:
<p>Here is an interesting demographics tool that shows median income level by US neighborhood (census tract.) </p><p><a href="http://www.richblockspoorblocks.com/" target="_blank" rel="nofollow">Rich Blocks, Poor Blocks</a></p><p>While it doesn't spell out the COL, I would say it reflects it. I thought it might help clear up some of the preconceived notions about the variance (or lack thereof) between one place and the next. </p>

 

My neighborhood reads as smack-dab in the middle of the "middle-class income range"  for my state.     My HHI is more than double the neighborhood average, however.

"I don’t mind a banshee, that’s fine. 2 banshees? I HATE you. I actually wish bad things upon you." -- Day[9] Daily #459 P1

iVillage Member
Registered: 05-13-2009
Sun, 03-03-2013 - 6:57pm

thardy2001 wrote:
<p><blockquote class="quote-msg quote-nest-1 odd"><div class="quote-author"><em class="placeholder">rosenylund</em> wrote:</div>Yes, Thardy because you know you can only get quality clothes at the Thrift Shop lol. I'm gonna pop some tags, only got twenty dollars in my pocket. I wear your granddad's clothes, I look incredible. Bawhhhaaa....</blockquote></p><p>I once saw a woman in church wearing my used cashmere sweater, one of the things I donated to the church thrift shop. Then I realized she works in the church thrift shop and, as a volunteer, must get first dibs. <img src="/forums/sites/all/libraries/tinymce/jscripts/tiny_mce/plugins/emotions/img/smiley-smile.gif" alt="Smile" title="Smile" border="0" />  I'm sure she paid and money got to the needy somehow.  But this woman is not poor by any means! </p><p>I'd rather get clothes new for a variety of reasons.  My sweater was on its last legs, tho it was cashmere.  I still donate clothes to charity wishing they would go to the needy.  Not bargain hunters.  My pet peeve ~ no one else's.  It's how I was raised...</p>

I was raised to Renew-Reuse-Recycle to save the planet - I know, I was hippy dippy kid. I donate clothing that I no longer want to our Church thrift because someone else may have use for them, but they may have use for someone else.I don't want them but someone else might before they end up in the landfill.

It's not really about charity, it's about the end of my needs, cleaning out my closets, so I can buy new stuff. If someone else can use them, great! Ocasionally, I find some things in the thrift store that I can use. In fact wearing some now, yoga pants and sweatshirt I bought at the thrift. They are high quality and hardly used, but probably made is a sweatshop in some 3rd world country. I'm not a purchasing saint.


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