Author Topic: Do You Say Anything to People Who Spend Foolishly?  (Read 21013 times)

Rollin

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Re: Do You Say Anything to People Who Spend Foolishly?
« Reply #50 on: April 16, 2013, 01:49:48 PM »
Would love to face-punch a friend of ours, but it would do noting but cause trouble.  They are in the situation they are in because of years and years of stupid decisions.  If I point out this one thing to them it won't change the situation they got themselves into.

Here it is - the mom doesn't work and said she can't because she's on disability (she'd loose that if she could work!!??).  The dad just lost his job.  They just crashed their mini-van and somehow the insurance is all messed up and they aren't sure they can get it fixed.  They just got kicked out of their family-member's house that they were living in - couldn't get along.  Soooo, we offer to take their daughter in for a few weeks so that she can finish school in peace.  Smart kid.  She's the same age and has most of the same classes as our daughter - and we live within walking distance to the school (no mini van remember).

Soooo, I see the kid come home from Barnes and Noble with a big bag of books she purchased.  She works at a local fast food place.  She doesn't like our food (too "healthy") so she buys $100 of her own - and most of it sits and rots because she goes out to eat with her boyfriend (who drives her around).

I offer to take her to the college she is interested in so that she can talk with financial counselors and get a feel for the school.  I offer to help her set up a savings account and my 12YO daughter chimes in and says "its real easy and fun watching the interest come in every month - they actually give you money!"

Sooooo, here's the biggy.  A few weeks later she starts crying (really) about wanting a unique dress for the prom - so my wife takes her into my daughter's bedroom and pulls out all kinds of cool dresses that she has found over the years.  She offers to make some additions that will really set them off - my wife is VERY good at making things look great.  Well, the girl gets back in with her mom and dad (who are now living in a brother's house) and her mom and her go out and buy a $500 prom dress!!!!!!!!!!!!!  Some from a paycheck loan? not sure how she can do that, and some the kid will pay for - later I suppose.  Again not sure about the payment details, but I want to face punch like Mohammed Ali against Joe Frasier.  Alas, I will keep the gloves put away and thank them (in my mind) for teaching my girls a good lesson.  BTW-my daughter is the one that pointed all this out to me and the Mrs.
« Last Edit: April 16, 2013, 01:58:14 PM by Rollin »

MrsPete

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Re: Do You Say Anything to People Who Spend Foolishly?
« Reply #51 on: May 03, 2013, 08:01:24 AM »
dfields, That's the stupidest story I've heard in a while!  I personally would tell my child, "You have a car that's running well for now, but it's old and will eventually need to be replaced.  Start making payments into a short-term savings account (consider it a "real bill", perhaps even have it directly deposited) so that when you do need a new car, you'll at least have a good start towards paying for it.  This will save you LOADS in interest." 

kkbmustang, You're not alone in considering tithing to the church a necessity.  God says we are to give 10% or the "first fruits" to Him.  However, our church emphasizes that this is meant to be our money AND our time.  Time spent reading the Bible, time spent helping with youth, time helping those in need in the community, etc.  If you're short on money, you can always give in other ways.  The large, ruling body of the Catholic church may be wealthy, but individual churches are not wealthy.  Unsure?  If you're a member, you can see the budget.  Our church does take in a good bit of money, but we can see exactly where it's going out:  To the needy, for programs for our youth groups, to buy supplies for services and Sunday school, for a bus to take groups to various functions, to maintain the buildings, and to pay the pastoral staff.  The Bible speaks harshly to people in authority using tithes for their own gain or luxury, so anyone who finds that his individual church isn't using money wisely can -- and should -- go elsewhere.  Honest places do exist.

Overall, this board has great ideas about saving money and improving one's own financial situation -- but most of the posters have little concern for those beyond their own walls.  Whether you see it as a Christian duty or whether you consider it a part of being a good citizen, those who "have" should give back to the community.  How exactly?  Well, that's an individual question, depending upon your individual circumstances.