Your Questions About How To Budget A Household Online

Laura asks…

Is it possible for me to financially go back to school?

I was taking online classes through Devry which is pretty flexible. At the time, I wasn’t working, just strictly doing school. I was staying on top of my work and making A‘s. My husband and I had gotten into a financial crisis, so I had to go back to work. I was trying to juggle work, school, and a household containing 4 kids and a husband. I was too tired to concentrate on my work and my grades dropped to C’s and D’s. I got so overwhelmed that I just gotten to the point to where I gave up completely. I loved taking the online courses and have yearned to go back to school ever since. But I am still working and contribute a fair amount to our budget. I had a student loan which has defaulted. Do you have any suggestions on how I could manage to afford to quit work, to go back to school. Please note that my budget only consist of utilities, food, gasoline, household shopping and nothing more. And my income is very much needed.

richmama answers:

If you need your income don’t expect to be able to quit work. It’s not reasonable or feasible especially in a time where student loans are getting very picky, choosing only people who can pay, and will likely not look favorably on your default loan.

You will likely just have to school part time in addition to your work, which will be hard, but not impossible as plenty of people have done that before you, and some went full time with full time work.

You should consider going to a community college, you will get federal help, and possibly state waivers for your tuition.

Paul asks…

true && false answers.. help if u can. thank u?

True/False
please help me by answering true or false.. thank u

16. Imaginary scenarios are of little use in helping you define your real-world values.
True
False

17. Your lifestyle values are useful in helping you target your career choices.
True
False

18. Serious online personality tests that are based on social-science theories are easier to find than “just for fun” tests.
True
False

19. How much time you spend with hobbies and friends are two important elements of your intrinsic career values.
True
False

20. It is shallow and useless in career planning to even consider what you would like to wear to work.
True
False

21. If you want to live in the same place you live now, it is easier to figure out housing costs than if you want to move.
True
False

22. Budget experts suggest using research rather than your own knowledge to help put together a budget.
True
False

23. The services that keep household appliances running are called utilities.
True
False

24. Friends and family are often handy sources of valuable information about costs of living.
True
False

25. Insurance is intended to protect you against major financial setbacks.
True
False

richmama answers:

False–imaginary scenarios cud just b realistic but havnt happened
True
False
True
False–making good impressions is important
True??
???
True
True

Hope the helps, but was that for a survey or are there actual answers to these?

Mark asks…

Did you know that Obama is planning to tax the working class to give to the rich and politically connected?

Barack Obama’s Cap and Trade is a Tax on the working class

Who Pays for Cap and Trade? Hint: They were promised a tax cut during the Obama campaign.

http://online.wsj.com/article/SB123655590609066021.html

-snip

Politicians love cap and trade because they can claim to be taxing “polluters,” not workers. Hardly. Once the government creates a scarce new commodity — in this case the right to emit carbon — and then mandates that businesses buy it, the costs would inevitably be passed on to all consumers in the form of higher prices. Stating the obvious, Peter Orszag — now Mr. Obama’s budget director — told Congress last year that “Those price increases are essential to the success of a cap-and-trade program.”

Hit hardest would be the “95% of working families” Mr. Obama keeps mentioning, usually omitting that his no-new-taxes pledge comes with the caveat “unless you use energy.” Putting a price on carbon is regressive by definition because poor and middle-income households spend more of their paychecks on things like gas to drive to work, groceries or home heating.

The Congressional Budget Office — Mr. Orszag’s former roost — estimates that the price hikes from a 15% cut in emissions would cost the average household in the bottom-income quintile about 3.3% of its after-tax income every year. That’s about $680, not including the costs of reduced employment and output. The three middle quintiles would see their paychecks cut between $880 and $1,500, or 2.9% to 2.7% of income. The rich would pay 1.7%. Cap and trade is the ideal policy for every Beltway analyst who thinks the tax code is too progressive (all five of them).

But the greatest inequities are geographic and would be imposed on the parts of the U.S. that rely most on manufacturing or fossil fuels — particularly coal, which generates most power in the Midwest, Southern and Plains states. It’s no coincidence that the liberals most invested in cap and trade — Barbara Boxer, Henry Waxman, Ed Markey — come from California or the Northeast.

Coal provides more than half of U.S. electricity, and 25 states get more than 50% of their electricity from conventional coal-fired generation. In Ohio, it totals 86%, according to the Energy Information Administration. Ratepayers in Indiana (94%), Missouri (85%), New Mexico (80%), Pennsylvania (56%), West Virginia (98%) and Wyoming (95%) are going to get soaked.

-snip

Led by Michigan’s Debbie Stabenow, 15 Senate Democrats have already formed a “gang” demanding that “consumers and workers in all regions of the U.S. are protected from undue hardship.” In practice, this would mean corporate welfare for carbon-heavy businesses.

And of course Congress is its own “stakeholder.” An economy-wide tax under the cover of saving the environment is the best political moneymaker since the income tax. Obama officials are already telling the press, sotto voce, that climate revenues might fund universal health care and other new social spending. No doubt they would, and when they did Mr. Obama’s cap-and-trade rebates would become even smaller.

Cap and trade, in other words, is a scheme to redistribute income and wealth — but in a very curious way. It takes from the working class and gives to the affluent; takes from Miami, Ohio, and gives to Miami, Florida; and takes from an industrial America that is already struggling and gives to rich Silicon Valley and Wall Street “green tech” investors who know how to leverage the political class.
“Did you know that Sen. McCain proposed the same plan?”

Yes, I am and was fully aware of that

“I wonder if the Right would be ranting and raving over it.”

We would and did.

“Rather than overwrought and unsupported claims why don’t the Right propose ALTERNATIVE SOLUTIONS?”

We are. You should be dealing with what the article tells you instead of pointing fingers at McCain and Republicans. What McCain once proposed and the Republicans actions are irrelevant. What Obama is doing or planning to do, since he is in the White house right now, is relevant. Try to deal with something thats relevant.
“You people wanted a free market solution that made the businesses in control. They are.”

Thats news. Seems that government has its hand in everything now.
“However, we can avoid this tax by making our carbon footprint smaller – which somehow the questioner didn’t take in to account.”

I didnt take it into account because I dont want to make it smaller. Making it smaller entails changing my behavior and/or the products I buy. I like the freedom of doing as I please without being forced to change via cap and trade taxes.

“And, the same people who either pay the “tax” or cut their carbon use, also benefit: cleaner air,”

Cleaner air isnt going to happen.

http://www.businessgreen.com/business-green/news/2213702/europe-cap-trade-scheme-hand

http://www.financialpost.com/story.html?id=96dc23c8-33e2-45c4-bf6a-14aba852d764

“slowing of global warming”

Global warming is a fraud. We humans do not have any control over it.

“lower prices on low-carbon energy”

No, HIGHER prices on low carbon energy.
“And, with a federal mandate existing, capitalists will have the political and economic groundwork to invest in carbon neutral (or better) manufacturing and power generation.”

They already have the “political and economic groundwork to invest in carbon neutral (or better) manufacturing and power generation”. Its called freedom. A government mandate forcing them to do so is costly and disasterous.
Still waiting for any Obama liberals to deal with the information contained within the article.

***crickets***

Oh come on, liberals. You all hold yourselves up as the big protecters of the little guy, the poor, the working class. Yet here is a piece of legislation that will cost them big time, Obama will hurt them big time, and you’re absolutely silent.

***crickets***

Bueller? Bueller? Bueller?

***crickets***

richmama answers:

This is a terrific report and response to critique. Well-rounded, well-researched, and most informative. Thanks for your efforts!

Steven asks…

Is my wife lazy, rude, and disrespectful?

I work near 50 hours a week and I commute about an hour per day because my wife wanted to be 10 min from her work. I make about 50k.We have one 1 year old daughter and a 3 year old son. My wife works part-time and goes to school online. She works 20 hours a week at $13 an hour. We have a babysitter for the time she is at work for about 3-4 hours per day.

I do all the kitchen duties (counters, cooking, dishes, sweeping, and mopping). It’s a lot everyday after 10 hours at work for a family of 4. I do all the finances and budgeting, but even if I make a budget, she spends OVER and she always use up every dime eating out and new clothes for herself and toys for the kids (and I have over $900/mo budgeted for savings). She insists and screams and fights if she doesn’t get a new car every two years since we were married.

She hates ALL vegetables (including onions) so we can never eat the same meal at home. If its not pizza, pasta, bread, desert, in a box, or fast food, she doesn’t eat it or make it. Trust me this costs more when everyone has to eat a separate meal. Now the kids see her style of eating and mimic it.

I also take out all the garbage and always take back the bin from the street. I mow all the grass. I clean the bathrooms. She is ONLY responsible for the laundry. The problem is she never does it, or if she washes it, it she doesn’t put it in the dryer and it stinks. Or she takes it from the dryer until there is a mountain of wrinkled clothes in a pile for MONTHS. No folding or putting away. I come home and house is FILTHY every day. All the kids toys and little pieces are everywhere. Clothes and diapers all over the floor. Trash everywhere. Her car is FILTHY inside. Mine is practically brand new inside. Every dish, utensil, glass, bowl, pot and pan has been used left out (usually with dried on oatmeal or ketchup) (or the fast food trash is everywhere).

Makeup containers, hair rollers, trash all over the bathroom. She says she HAS to change clothes 5 times a day (did I say there are her clothes/shoes everywhere?) She needs an outfit for work, home, going out, lounging around, and one for bed. This is why we have a laundry problem. Meanwhile, I have to go to my professional job with wrinkled dirty clothes worn for the 3rd day.

When I ask her to kindly help out or pick up, she gets defensive. She takes naps instead of studying or working or cleaning. She goes out to the bars twice a week without me to “sing karaoke” because she “loves to sing.” She calls me a jerk (among other non-pleasantries) for asking her to help with chores. She screams and threatens to take the kids and go to her parents. She won’t sleep in the same bed as me. She tells me I’m not her father and can’t tell her what to do. Every word to me is demeaning, belittling, or trivializing any wants or needs I may have. She looks at me with spite and disgust. She says my needs are not important. After saying all this every day she says I’m the worst person she ever met and all I do is complain and whine. I sincerely, honestly, just ask her to pull her weight and help me out a little. I might as well be the devil when I ask her this.

I don’t know whether she has personality defects/mental issues, she was raised this way, or what. My kids are the best thing in the world. I love them to death. I came from a divorced household and I know how much that hurts kids. I would have left if it weren’t for them. Are there any Christians Solutions? What should I do? continue to work and suffer? Continue to love while being rejected? I’m at a loss. Please help.

richmama answers:

There’s only one major solution at the moment, major marriage counseling.

If i lived in that situation, i’d put my own pay checks into an account she cannot touch. Savings as well as checking. I’d give her an allowance, if she’s not responsible enough to manage money properly and be an adult in the relationship, then she should not have access to the accounts.

Next, i’d start throwing things away. Oh yes, i have actually done this. When people do not pull their weight in my house hold, kids alike, then the things they want are GONE. No longer a problem for me.

Curlers and clothing would be GONE. I’m not joking. Toys, would be GONE. You can do the thing that many do. Bag them up and take them to your parents, to storage or work and keep them for a week. Hopefully they will learn their lessons.

There will be little in the way of cleaning for you when all of it is gone. Oh, and i’ve done this next thing as well. Actually my aunt thought of this next one and i followed her lead. She left one glass, one spoon, one fork, one plate and one bowl for each person. She went to good will and bought different colors. When that person wanted to eat, they needed to clean their dish for it. She also bought different colored towels and a rack to put them on. One towel for each person.. That’s it. One towel per week, let it dry in between times.

Your wife is acting like a child. This is not a life partner. My parents stayed together and i can say this. I honestly begged them to divorce. I was miserable in that home. In a home that is racked with anger and hostilities, it’s no happier than living in a divorced home. It wasn’t until my brothers (who are much much younger than me) were teenagers when they finally divorced. All was happy about it. Finally is all we could say. It was miserable. I thought of suicide daily just to get out of the home. I finally left when i was 16 and never went back.

So, staying home doesn’t always make life better for the kids. In fact, they are learning how to treat a spouse.. Following in their mother’s foot steps and they know there is no consequence. They also are learning to treat a spouse like a slave with no benefits even.

She needs psychotherapy as well as marriage counseling, but hopefully you can get the marriage counselor to explain that to her and bring it up instead of you. Seriously, she’s acting like a spoiled child and that’s a mental defect. She needs to know why she is doing such a thing.

My mother treated my father horribly as well. Growing up that way is not an excuse and i would NEVER consider treating a spouse of mine in that manner. It’s not an excuse! There is no excuse.

Best of luck!!!

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