Sights and sites of our delightful weekend in NYC and Philadelphia
Seeking guidance
What do you set the heat to at night? During the day? Thank you.
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Another taboo topic: money
I don't have a lot of real visible or artistic talents, but one talent that has served me well is an ability to manage and organize money well. A few of my sisters-in-law have asked me how I do the family budget, so this is a straight up accounting of how I do the accounting. When we get a paycheck: 10% tithing right off the top Then, with the remainder (net minus tithing), I divy it up into percentages and put money into different "funds" -- that I keep track of in the back of my paycheck because I'm old school like that. Mortgage: I figure out the percentage it will take to cover my mortgage. Usually 29-30%. I think this percentage needs to stay under 35% of take-home after tithing. Baby steps: 20% goes to meeting financial goals a la Dave Ramsey's baby steps. This means that you focus on one thing at a time, leaving the rest so that your money is not so thinly spread and you can make visible progress. This presupposes that one has abandoned using credit, and i...
Two things
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