moneymaven
Well-Known Member
Joined: Dec 26, 2010 10:05:04 GMT -5
Posts: 1,864
|
Post by moneymaven on Jan 1, 2015 14:32:12 GMT -5
The bottom line is that you came here asking for advice and have been flippant about many of the responses received. Choosing how to proceed only has implications for you, not this online community. I hope you do some soul searching and start working to be honest with yourself. Seriously? This comment seems sensible to you? Yes. Care to elaborate on your shock?
|
|
Lizard Queen
Senior Associate
103/2024
Joined: Jan 17, 2011 22:19:13 GMT -5
Posts: 14,659
|
Post by Lizard Queen on Jan 1, 2015 14:41:05 GMT -5
Is flippant the word of the day on the calendar or something, geez? I don't see how stating that some advice won't work for our lifestyle is "not showing a serious or respectful attitude". It simply means it won't work for our lifestyle. As far as proving my retirement being adequate, I'm not sure what proof you want. I ran the calculators, we are fine. I'm not going to post my bank statements and tax returns on here, which would be the only way to prove anything. Again , as far as "dismissing opinions", it would be impossible to follow every single poster's advice, because it is all so different. I have to choose what sounds most reasonable to me, with my lifestyle. The thing is, the problem IS your lifestyle. Your lifestyle involves spending more than you make. If you want to get ahead, you're going to have to change that. That is all.
|
|
Deleted
Joined: Oct 6, 2024 10:57:05 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 14:50:19 GMT -5
Seriously? This comment seems sensible to you? Yes. Care to elaborate on your shock? Do some soul searching and be honest with yourself. It is an irrelevant and ignorant comment. In contrast Phil looks at her plans and explains what he would change and why. You are critiquing the fact that she isn't humble enough for your taste.
|
|
swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,617
|
Post by swamp on Jan 1, 2015 14:50:59 GMT -5
I want to know who advocated sandals in the snow for a two year old? I'm as cheap as they come, but my kids always have snow boots.
|
|
moneymaven
Well-Known Member
Joined: Dec 26, 2010 10:05:04 GMT -5
Posts: 1,864
|
Post by moneymaven on Jan 1, 2015 15:11:15 GMT -5
Yes. Care to elaborate on your shock? Do some soul searching and be honest with yourself. It is an irrelevant and ignorant comment. In contrast Phil looks at her plans and explains what he would change and why. You are critiquing the fact that she isn't humble enough for your taste. Not the case, nor what I stated. She has an excuse for everything. To get past that requires honesty. Do I think the OP wants to change? Yes. Do I think the OP is being honest and realistic with herself? Very plainly no, based on her responses.
|
|
Deleted
Joined: Oct 6, 2024 10:57:05 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 15:13:25 GMT -5
I want to know who advocated sandals in the snow for a two year old? I'm as cheap as they come, but my kids always have snow boots. I'm too lazy to go through 21 pages looking for it but someone was talking about putting socks in their sandals. Not only a fashion crime but not a substitute for warm footwear.
|
|
zibazinski
Community Leader
Joined: Dec 24, 2010 16:12:50 GMT -5
Posts: 47,910
|
Post by zibazinski on Jan 1, 2015 15:22:40 GMT -5
It's true about emerging walkers going barefoot often But a two year old isn't an emerging walker. Even though it's expensive, I always used stride right for a very long time. I'd rather skimp elsewhere than their feet.
|
|
zibazinski
Community Leader
Joined: Dec 24, 2010 16:12:50 GMT -5
Posts: 47,910
|
Post by zibazinski on Jan 1, 2015 15:23:11 GMT -5
Stride Rite, sorry
|
|
Deleted
Joined: Oct 6, 2024 10:57:05 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 15:42:05 GMT -5
Do some soul searching and be honest with yourself. It is an irrelevant and ignorant comment. In contrast Phil looks at her plans and explains what he would change and why. You are critiquing the fact that she isn't humble enough for your taste. Not the case, nor what I stated. She has an excuse for everything. To get past that requires honesty. Do I think the OP wants to change? Yes. Do I think the OP is being honest and realistic with herself? Very plainly no, based on her responses. She doesn't have an excuse for everything. She is the one that brought up the fact that her daughter has too many shoes. She has also indicated where she finds it easier to cut spending, groceries and eating out and amazon purchases. She is willing to take on more shifts to bring in more income to pay things off. She has been willing to do quite a number of things. But some people want to focus on the stuff she wants to keep, like vacations and nice clothes.
|
|
giramomma
Distinguished Associate
Joined: Feb 3, 2011 11:25:27 GMT -5
Posts: 22,138
|
Post by giramomma on Jan 1, 2015 15:42:11 GMT -5
I want to know who advocated sandals in the snow for a two year old? I'm as cheap as they come, but my kids always have snow boots. I put my kid in sandal type shoes and socks when it was 55-60 out. Here's what I said originally "we put socks under her sandals to keep her toes warm" It wasn't a big deal for the couple weeks we did it in the fall..it was a few weeks before we could go shopping for shoes. I never said snow. In the next sentence, I said she had boots from her sister that she could wear. It didn't make sense to put her in boots in 50ish degree weather, either. Course, I've relaxed a little on bundling the kids up, especially when #1 leaves school with a coat on (maybe) when it's in the 30's. If it's on, it's unzipped. Not a battle I'm fighting.
|
|
Deleted
Joined: Oct 6, 2024 10:57:05 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 15:56:02 GMT -5
Well Wonderland completely ignored my heartfelt post warning her about assuming that your family income will always go up. I'm also disturbed that she checked up on other posters- which tells me she is in denial about her situation. It does not matter what sins of stupidity other YM members have done and it doesn't invalidate their advice to you. Some of the best YM-ers aound here are reformed hot messes. So I'm going to make some general comments about this thread and you can give me thumbs up or tell me I'm being mean because this is it for me- I can't believe I'm typing this on New Year's Day when I could be outside watching my neighbors shoot off illegal fireworks.
#1 - Wonderland, if you have indeed been lurking on YM for several years then none of the critical posts should come as a surprise to you. I've been lurking since 2007, watched Suzy Orman on TV when I was a teenager, and yet, still managed to run up huge credit card debts because I lived beyond my means and always assumed I could out-earn my stupidity. But I was never in denial that what I was doing was "ok". I felt, and still feel, very ashamed that I ran up such debts especially since parent's paid for college. But, specific to YM, if you think these guys are harsh, I heartily encourage you to post a "Case Study" on Mr. Money Mustache's Forum. And I know you hate Dave Ramsey, but I really like this quote from him loosely paraphrased as, "You will not make progress until your end goal exceeds your daily desires".
#2 - Assumption that your income will always increase is false. I had a very well paying job with huge earning potential and upside from which I was summarily fired and could not easily continue to work in that industry back in 2010. The huge irony is that I had a $20k bonus coming my way, that I had planned to wipe out most of my debts, but they fired me 2 days before bonuses were paid (that was on purpose). I did not work for 6 months that year and ended up taking a job that paid 75% less than what I had been making. So at this new job, I recovered fairly quickly and in 2013 made over 6 figures. Unfortunately, new boss did not understand my comp plan and in 2014 gave me a 20% cut and so I made under 6 figures. New boss finally realized that I had one foot firmly out the door and raised my base pay to $125k. I'm going to be much smarter with this money in 2015 because of all the behavioral changes I made in 2014. So it all worked out (for now). But I can tell you 2014 was not fun because of the stupid decisions I had made from 2003-2013. I literally could not service my debt payments and so I sold my fully paid-for beloved SUV, took a $14k car loan at 2% over 5yrs from the dealership, took out $10k from the purchase of a boring used Camry and retired 1 cc. I also dropped my $200/mo gym membership, sold over $3k worth of goods on ebay, started using YNAB, cut eating out by 90%, and stayed home a lot more. If all goes well, I should be able to pay off all of my cc debt in 2015 and get a sizeable emergency fund (which is for emergencies, and not to be raided for vacations). I still shop at Whole Paycheck and spend too much money on crafts. But the difference is that now I am overspending by $400/mo instead of $2,000/mo. And it's just as well because I hope to attend evening graduate school next year which will cost me $100k. I am 34, no kids but also no husband/boyfriend so it is all on me.
#3 - the definition of insanity is doing the same thing over and over again and expecting different results. Wonderland, until you change your behavior and your attitude towards finite resources, your outcome will not change. I fully expect you will pay off this debt and amass an EF in 2015. But I also fully expect that you will be back in trouble by 2017. I've been where you are and I paid down my debt only to run it up several times over the past few years. Until this past year, where I saw my income vanish overnight, I didn't truly appreciate how unsustainable my lifestyle was.
Anyhow, I think I'm done. I guess I have thick skin because I didn't view YMers as attacking Wonderland personally but more attacking her logic. Then again, I fall more on the logic side of things and I can tell Wonderland is more of a "feelings" type of person which is a good thing for a nurse to be!
So I'll start my own post later about being a frivolous, frivolous bitch and you all can come over there and tell me how dumb I am. I will likely agree!
|
|
Jaguar
Administrator
Fear does not stop death. It stops life.
Joined: Dec 20, 2011 6:07:45 GMT -5
Posts: 50,108
Mini-Profile Background: {"image":"https://cdn.nickpic.host/images/IZlZ65.jpg","color":""}
Mini-Profile Text Color: 290066
|
Post by Jaguar on Jan 1, 2015 16:14:59 GMT -5
Well Wonderland completely ignored my heartfelt post warning her about assuming that your family income will always go up. I'm also disturbed that she checked up on other posters- which tells me she is in denial about her situation. It does not matter what sins of stupidity other YM members have done and it doesn't invalidate their advice to you. Some of the best YM-ers aound here are reformed hot messes. So I'm going to make some general comments about this thread and you can give me thumbs up or tell me I'm being mean because this is it for me- I can't believe I'm typing this on New Year's Day when I could be outside watching my neighbors shoot off illegal fireworks.
#1 - Wonderland, if you have indeed been lurking on YM for several years then none of the critical posts should come as a surprise to you. I've been lurking since 2007, watched Suzy Orman on TV when I was a teenager, and yet, still managed to run up huge credit card debts because I lived beyond my means and always assumed I could out-earn my stupidity. But I was never in denial that what I was doing was "ok". I felt, and still feel, very ashamed that I ran up such debts especially since parent's paid for college. But, specific to YM, if you think these guys are harsh, I heartily encourage you to post a "Case Study" on Mr. Money Mustache's Forum. And I know you hate Dave Ramsey, but I really like this quote from him loosely paraphrased as, "You will not make progress until your end goal exceeds your daily desires".
#2 - Assumption that your income will always increase is false. I had a very well paying job with huge earning potential and upside from which I was summarily fired and could not easily continue to work in that industry back in 2010. The huge irony is that I had a $20k bonus coming my way, that I had planned to wipe out most of my debts, but they fired me 2 days before bonuses were paid (that was on purpose). I did not work for 6 months that year and ended up taking a job that paid 75% less than what I had been making. So at this new job, I recovered fairly quickly and in 2013 made over 6 figures. Unfortunately, new boss did not understand my comp plan and in 2014 gave me a 20% cut and so I made under 6 figures. New boss finally realized that I had one foot firmly out the door and raised my base pay to $125k. I'm going to be much smarter with this money in 2015 because of all the behavioral changes I made in 2014. So it all worked out (for now). But I can tell you 2014 was not fun because of the stupid decisions I had made from 2003-2013. I literally could not service my debt payments and so I sold my fully paid-for beloved SUV, took a $14k car loan at 2% over 5yrs from the dealership, took out $10k from the purchase of a boring used Camry and retired 1 cc. I also dropped my $200/mo gym membership, sold over $3k worth of goods on ebay, started using YNAB, cut eating out by 90%, and stayed home a lot more. If all goes well, I should be able to pay off all of my cc debt in 2015 and get a sizeable emergency fund (which is for emergencies, and not to be raided for vacations). I still shop at Whole Paycheck and spend too much money on crafts. But the difference is that now I am overspending by $400/mo instead of $2,000/mo. And it's just as well because I hope to attend evening graduate school next year which will cost me $100k. I am 34, no kids but also no husband/boyfriend so it is all on me.
#3 - the definition of insanity is doing the same thing over and over again and expecting different results. Wonderland, until you change your behavior and your attitude towards finite resources, your outcome will not change. I fully expect you will pay off this debt and amass an EF in 2015. But I also fully expect that you will be back in trouble by 2017. I've been where you are and I paid down my debt only to run it up several times over the past few years. Until this past year, where I saw my income vanish overnight, I didn't truly appreciate how unsustainable my lifestyle was.
Anyhow, I think I'm done. I guess I have thick skin because I didn't view YMers as attacking Wonderland personally but more attacking her logic. Then again, I fall more on the logic side of things and I can tell Wonderland is more of a "feelings" type of person which is a good thing for a nurse to be!
So I'll start my own post later about being a frivolous, frivolous bitch and you all can come over there and tell me how dumb I am. I will likely agree!
I hope you stay with us.
|
|
Deleted
Joined: Oct 6, 2024 10:57:05 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 16:31:31 GMT -5
No, I meant I'm done with this thread- not YM. I love you all far too much. And I will start my own post soon! I have 3 months of data in YNAB to pick apart and I deserve all the heckling!!!
|
|
Blonde Granny
Junior Associate
Joined: Jan 15, 2013 8:27:13 GMT -5
Posts: 6,919
Today's Mood: Alone in the world
Location: Wandering Aimlessly
Mini-Profile Name Color: 28e619
Mini-Profile Text Color: 3a9900
|
Post by Blonde Granny on Jan 1, 2015 17:29:12 GMT -5
No, I meant I'm done with this thread- not YM. I love you all far too much. And I will start my own post soon! I have 3 months of data in YNAB to pick apart and I deserve all the heckling!!! We are a very nice group aren't we Some even tell people the truth and what they don't want to hear. We're happy you have decided to join us and look forward to many more of your posts.
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 20:39:54 GMT -5
I have refrained from pointing out specific posters. I simply said that reading other posts has made me realize that some of the advice given was from posters who are talking the talk but not walking the walk. I'm realizing that not everyone who commented was coming from a place of helpfulness, some people are jealous or bitter about their own situations and have to project. There are a lot of people who have no need to follow their own advice. I think a budget for you would be great. However, I personally have no need for a budget. But that is because each situation is specific to each person and their budget. Most the people on here have been around quite awhile and very little is lost on the regular posters. If people were truly that blind to their own situations, they'd be called out on it instantly by the regulars (i.e. see Carl's threads, whom we all love but give regular beatings to).
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 20:42:05 GMT -5
I think she was talking about me being the only person who admitted that they have maxed out credit cards. If it makes you feel better that was over a decade ago, the credit cards had limits of $200-$500, and I pay them off every month now. I'm with Oped in that I tend to think your situation is more critical than some of the posters do. Some of that is because of the space I'm in and what I've experienced. The mother of one of DS' buddies is dying and will leave two small children. DH has been been diagnosed with a pretty rare disease that is expensive and has a good chance of disabling him. I just broke my ankle and a tooth so there's the medical cost, the cost of hiring help for me until I'm walking again. Ooh I posted in that thread, too. Maybe it's me? I also think it's borderline critical, too. I don't understand the homeschooling thing. Isn't that a full time job? How does one do that if they aren't splitting shifts? Maybe they are and I missed it. Otherwise one of them will be unemployed, no?
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 20:43:45 GMT -5
Seriously? This comment seems sensible to you? It seems way sensible to me than the flippant attitude projected by OP. Constantly dismissing others or telling them that they don't understand her "priorities"..... Do we even know what her savings and retirement savings looks like? She "says" its adequate. And she is still here asking for opinions and then dismissing them.... Anyways, I have resisted posting on this thread. Outta here now. IIRC, she said they had 20k or something in retirement funds. I reserve the right to be wrong.
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 20:54:51 GMT -5
Last post of the night -- anyone who works in medicine and is 100% confident of their salary and hours in the future is blind to potential realities. The health care crisis in this country is far from over. I wouldn't be surprised if medical salaries drop 20-50% in the next decade. I hope they don't because that'll screw my plan. But, it's simply unsustainable what is going on right now.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 21:10:28 GMT -5
Last post of the night -- anyone who works in medicine and is 100% confident of their salary and hours in the future is blind to potential realities. The health care crisis in this country is far from over. I wouldn't be surprised if medical salaries drop 20-50% in the next decade. I hope they don't because that'll screw my plan. But, it's simply unsustainable what is going on right now. Do you work in healthcare? I don't see wages dropping for nurses. There is too much of a shortage. The boomer population is just getting into the swing of the medical problems that come will aging. My hospital has been at capacity, with patients lining the er waiting on rooms, for more than a year now. I'm talking 30, 40 patients a day laying on stretchers in the hallway, technically admitted to hospital, but nowhere to put them. Critical staffing shortages on a daily basis, to the point that they are offering huge hourly incentives to come in and help. Right now is a great time to be in healthcare. And since I have experience is most areas, except pediatrics and OB, I can go pretty much anywhere. I get recruitment materials weekly from various healthcare staffing agencies and hospitals.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 21:12:59 GMT -5
I think she was talking about me being the only person who admitted that they have maxed out credit cards. If it makes you feel better that was over a decade ago, the credit cards had limits of $200-$500, and I pay them off every month now. I'm with Oped in that I tend to think your situation is more critical than some of the posters do. Some of that is because of the space I'm in and what I've experienced. The mother of one of DS' buddies is dying and will leave two small children. DH has been been diagnosed with a pretty rare disease that is expensive and has a good chance of disabling him. I just broke my ankle and a tooth so there's the medical cost, the cost of hiring help for me until I'm walking again. Ooh I posted in that thread, too. Maybe it's me? I also think it's borderline critical, too. I don't understand the homeschooling thing. Isn't that a full time job? How does one do that if they aren't splitting shifts? Maybe they are and I missed it. Otherwise one of them will be unemployed, no? We'll just pop some leap frog dvds in the tv and call it an education. She can watch herself by that point. We've got the homeschooling covered, thanks. The credit card thread bis not the only thread I read. All of these assumptions are just crazy to me.
|
|
Deleted
Joined: Oct 6, 2024 10:57:06 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 21:18:48 GMT -5
I found freelancing while homeschooling elementary school to not be too difficult. I did freelance from home. Around middle school it actually becomes worse. I'm glad I'm not working right now. Keeping up with geometry, biology, chemisty, advanced algebra/trig, literature, etc is enough for me, not to mention the driving kids around.. That should lesson in the next year as older kid can drive. I could do it, but I'm glad I don't have to at this point.
Most of my homeschool friends who work part time have younger kids. I'm not saying it isn't doable, but does take some coordination.
|
|
justme
Senior Associate
Joined: Feb 10, 2012 13:12:47 GMT -5
Posts: 14,618
|
Post by justme on Jan 1, 2015 21:19:07 GMT -5
Yes, she is in the healthcare industry.
Yes there's a shortage, but from what I know nursing schools are having to beat away applicants with sticks so they'll be an influx coming. Also, something will have to give. With required expenses and spend ratios and already the pressure on the high premiums, something will have to give. What I don't know, but I don't see people suddenly paying 2x in premiums or more.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 21:27:25 GMT -5
Yes, she is in the healthcare industry. Yes there's a shortage, but from what I know nursing schools are having to beat away applicants with sticks so they'll be an influx coming. Also, something will have to give. With required expenses and spend ratios and already the pressure on the high premiums, something will have to give. What I don't know, but I don't see people suddenly paying 2x in premiums or more. Nursing schools have been beating people away with sticks for 15 years. Lots of people think they have what it takes to be a nurse, but the reality is very different. Over half the incoming class drops out or fails out by May. Then you have some that don't pass the exit exams, or fail the licensing exam 4 times, so they never actually make it to being a nurse. There is also a huge percentage of nurses going on to become nurse practitioners, leaving tons of regular RN jobs in their wake.
|
|
justme
Senior Associate
Joined: Feb 10, 2012 13:12:47 GMT -5
Posts: 14,618
|
Post by justme on Jan 1, 2015 21:32:46 GMT -5
Ok
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 22:04:08 GMT -5
Last post of the night -- anyone who works in medicine and is 100% confident of their salary and hours in the future is blind to potential realities. The health care crisis in this country is far from over. I wouldn't be surprised if medical salaries drop 20-50% in the next decade. I hope they don't because that'll screw my plan. But, it's simply unsustainable what is going on right now. Do you work in healthcare? I don't see wages dropping for nurses. There is too much of a shortage. The boomer population is just getting into the swing of the medical problems that come will aging. My hospital has been at capacity, with patients lining the er waiting on rooms, for more than a year now. I'm talking 30, 40 patients a day laying on stretchers in the hallway, technically admitted to hospital, but nowhere to put them. Critical staffing shortages on a daily basis, to the point that they are offering huge hourly incentives to come in and help. Right now is a great time to be in healthcare. And since I have experience is most areas, except pediatrics and OB, I can go pretty much anywhere. I get recruitment materials weekly from various healthcare staffing agencies and hospitals. I do. The ability of patients to PAY the bills and premiums charged by insurance companies is the real problem. Not the shortage of nurses. Baby boomers on fixed incomes relying on pensions that have been cut and SS with no increases for years. The money train is likely to run out. Like I said, I hope it doesn't as I'm in the same boat. Some reading: www.aarp.org/content/dam/aarp/research/public_policy_institute/security/2013/impact-of-rising-healthcare-costs-AARP-ppi-sec.pdf" among Medicare beneficiaries age 85 and older, half spent more than 28 percent of their income on health care." I don't know many people that can afford spending 30 of their take home on medical care.
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 22:07:23 GMT -5
Ooh I posted in that thread, too. Maybe it's me? I also think it's borderline critical, too. I don't understand the homeschooling thing. Isn't that a full time job? How does one do that if they aren't splitting shifts? Maybe they are and I missed it. Otherwise one of them will be unemployed, no? We'll just pop some leap frog dvds in the tv and call it an education. She can watch herself by that point. We've got the homeschooling covered, thanks. The credit card thread bis not the only thread I read. All of these assumptions are just crazy to me. Interesting that you choose this smarmy response. You came here asking about finances and your future goals. Asking how homeschooling fits in financially is not only relevant, but a huge part of how your budget should be designed. Maybe you have friends who'll homeschool your children for free or you have snowflake money or whatever. But I wasn't derogatory or attacking in my question; this is why people think you are being flippant. Because you refuse to actually answer important questions that are relevant to your goals and situation.
|
|
HoneyBBQ
Junior Associate
Joined: Dec 27, 2010 10:36:09 GMT -5
Posts: 5,395
Mini-Profile Background: {"image":"","color":"3b444e"}
|
Post by HoneyBBQ on Jan 1, 2015 22:08:44 GMT -5
I found freelancing while homeschooling elementary school to not be too difficult. I did freelance from home. Around middle school it actually becomes worse. I'm glad I'm not working right now. Keeping up with geometry, biology, chemisty, advanced algebra/trig, literature, etc is enough for me, not to mention the driving kids around.. That should lesson in the next year as older kid can drive. I could do it, but I'm glad I don't have to at this point. Most of my homeschool friends who work part time have younger kids. I'm not saying it isn't doable, but does take some coordination. This is why I asked. She's talking about raking in the hours. Maybe I can't remember what her H's plan is. But I was trying to figure out if SHE was homeschooling how she was also going to work FT + OT AOTT.
|
|
Deleted
Joined: Oct 6, 2024 10:57:06 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 22:10:42 GMT -5
It's also true that we structured our early financial plans and major financial decisions around our desire to homeschool, so it's not an unreasonable thing to bring up.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 22:23:55 GMT -5
The will homeschool situation has been discussed previously, and really has nothing to do with my current financial situation. We planned for homeschooling any children since before we were married. We have a plan, we have a backup plan, and we are flexible to change our plans if it isn't working for our family. Homeschooling my daughter has nothing to do with the original message I posted.
|
|
Deleted
Joined: Oct 6, 2024 10:57:06 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 22:29:37 GMT -5
I guess I don't see how homeschooling can be completely separated from finances? I mean its fine if you don't want to talk about it, but I certainly don't think anyone was wrong to ask about it.
I know for myself and other families in my large homeschool group there are definite financial considerations to homeschooling.
|
|