Your Questions About Household Budgets That Work

Lizzie asks…

Those of us who work, will you miss the tax reduction we all have enjoyed if obama gets elected?

Everyone one of us that work and pay income tax have had a tax cut which Obama will likely take away. Everyone has had a reduction, poor, middle, and rich. I’m not saying it was a good idea, but my household budget will miss it.
Wow, alot of tax ignorant people, everyone who pays federal income tax got a reduction, like I said though, i don’t know if it was a good thing.

richmama answers:

Why do you and the people you work with make more then 250 thousand?

I’m glad once Obama takes office he will cut out the loop holes in the tax code and make thing ease for the every day Joe.

John asks…

Budget Spreadsheet for Microsoft Works?

Hi wanting to do a household budget on MS Works but can find a template for the UK they are all US. Just wondered if anyone knew where to find one so I dont have the painstaking task of changing all the irrelevant US headings! Also if anyone can give any tips on saving some money running a household that would be great too!!! Thanks in advance

richmama answers:

Microsoft Works is budget!

Ruth asks…

Why am I always in the wrong?

Been married for 3 yrs been with him for 4 yrs. Hubby and I got a loan for his 18 son in order for him to get a truck. The son is suppose to be making the payments each month. Several times he has been short with the payments and nothing ha has been said to him. I dont feel it is my place to say anything and my hubby should. He never does, he just ignores it. It is me who has to take care of the bills and maintain the household budget. We both work full time and contribute.

Two weeks ago the payment was due and it was several days late which caused a huge mess with our bank account since the payment is automatically taken out of the bank. My hubby talked a big talk saying how he was going to sit this man down and talk to him, have him re-pay the over draft fees that were charged due to his payment being late and short. This never happened. The payment is due once again today, I sent him a kind reminder via email that the payment was due today and the response I got was, “i know I’ll try”. My hubby has said nothing to him, he acts like he is afraid of his kids.

I brought it to my hubby’s attention on how much money we have spent on his boys since between Jan and May. We spent over $500 in stuff one wanted not needed and that does not include birthday gifts. My hubby also pays child support every month on top of this $500 and we get the kids every weekend for the entire weekend. My hubby gets mad at me anytime I bring up the subject of money and his boys and how the money is being spent on them.

Why am I always in the wrong about this according to my hubby? Why does he get mad at me over this and ignores me especially when the boys are around, and I never talk about this stuff in front of the kids only when they are not here is the subject even mentioned?

My hubby starts working 12 hour shifts for 7 days straight today for the next 3-4 weeks so I told him I was going to hire my nephew to cut the grass and weed eat during this time period so he wouldn’t have to worry about it. He got mad and said he could do it himself. He leaves home at 430AM and will not get back home until 930PM, he has an hour and half drive one way to work. I was doing this to benefit him and I ended up being in the wrong about it. Once again I was totally ignored while his kids were here once they went home he acted like nothing every happened and he wasnt mad.

richmama answers:

In this mancession, men are very stressed and just a little depressed. Has he been screened recently for it?

As for child support.
Federal Child Support Enforcement Handbook for Non-Custodial Parents

To learn a father’s rights, join Dads House Educational Center in Yahoo Groups. It’s free to join, access all materials You associate with other fathers going through, and have already gone through, the same issues. We have an Educational Manual that teaches everything that needs to be known in addressing your legal issues. Mention your question here when asked why you want to join, as well as your state? Http://
2nd Wife Club, for those brave enough to take on a man with “baggage”.
For 22 years, I have volunteered my time working with divorced and single fathers dealing in family law issues, most especially child support issues along with what the states are not teaching support obligors.

Jenny asks…

What do you think of my health care proposal?

I sent this letter to my congressmen. I would love to see what people think of it. It’s long, and I’m sure needs revision and fine tuning, but I ask for you to evaluate the concept.

I asked this last week but people firestormed it off of here. I’m trying again. Report me and I will chase you to the ends of the earth.

Dear (name)

I have a proposal of my own regarding health care reform that I wish to submit for your consideration. I know I likely have a lot of goofups with my numbers, but it’s the concept I would like evaluated. I think this could really work.

Currently, the federal government covers 83 million people already. 43 million through Medicaid ($440B, 2008 numbers) and 40 million through Medicare ($208B from the Feds, and $157B through the states (2007 numbers). So, total $805 billion for 83 million people, or roughly $9,700 per person! Let’s say $10,000 per person to keep the math simple.

What’s the average household size being covered? Average in the US is 2.65 (2000 Census). So, let’s be conservative and say 2. That makes the average household being covered getting $20,000.

Average premiums, including both the employer and employee portions, were $4,704 for single coverage and $12,680 for family coverage in 2008.

So, we ALREADY spend (i.e. collect through taxes $20,000 per household. But the cost to cover a household through private insurance averages only $12,680.

There are 48 million (so they say) currently without medical coverage. 13 milion are illegal immigrants, leaving 35 million. Not all of those uninsured are unable to buy health insurance. Many chose not to. So let’s just put the amount of people who need help one way or another at a cool 100 million, or 50 million households. This gives us a working budget using the premiums we already collect of $16,100 per household, without spending a DIME more of taxpayer money.

Now that we have that out of the way…. my proposal…..

1. Leave medicare/medicaid premiums as-is.

2. Abolish medicare/medicaid programs altogether. Currently the fraud and waste level in these makes them WAY more expense than private health insurance.

3. Establish a voucher system for low income people to allow them to shop for and buy their own private health insurance, based on their AGI. Make it on a sliding scale. This money would NOT go to the people themselves, but would be directed to a health insurance company of their choosing.

Example (would have to be tweaked depending on household size)
Up to 75% of the poverty line: up to $15,000 per year pretty much 100% coverage. You can buy a stellar family health plan for that much.
76-100% of the poverty line: up to $7,500 per year.
101-125% of the poverty line: up to $2,500 per year.
>125% of the poverty line – nada.

If these people have some kind of employer paid coverage available, then that amount of money can be used to offset the employee contribution.

This would actually make money be left over, since not all households on medicaid would need the full amount. Then, make all health insurance costs, both premiums and out of pocket, 100% tax deductible and not subject to deduction limits. This would encourage people to buy their own.

I KNOW there are almost certainly bugs in this, but roughly speaking, this would accomplish the following:

1. Get rid of wasteful government medical coverage.
2. Get the government out of deciding what kind of health care you can/can’t have.
3. Make health insurance affordable to all. If you still have no health insurance with this, it’s because you just can’t be bothered.
4. Doesn’t cost ONE THIN DIME more than what we currently pay.
5. Does absolutely nothing to disrupt the private health insurance programs we already have.

If you’re a poor family with a $15,000 voucher for health insurance, companies will be tripping over themselves to cover you. Honest.

All statistics I quote are gathered from wikipedia, and the references are cited within those articles.

Thank you for your time.


I’d like to know why anyone would oppose this. Please explain why if you do.

Nit-picking little flaws is not what I’m looking for. I’m sure there are plenty.

richmama answers:

I think you are off to a great start with it- I would support this before I would support the proposed plan for sure.

When/if you get anything back you should tweak it as needed and let us know. I’m sure you would have others who would be glad to forward this to their reps. As well.

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