> General Discussions
The Money Lenders & Changers
Gina:
--- Quote from: Samson on January 31, 2012, 03:20:07 PM ---
--- Quote from: John from Kentucky on January 31, 2012, 01:06:11 PM ---I have been a C.P.A. for over thirty years. I have seen just about all things of a financial nature.
The best advice comes from the scriptures where it says that the borrower is the servant (or slave) of the lender. If you want to be financially free, financially at peace, then never borrow money for any reason. Pay cash or go without.
Giving the above advice to any human is like telling people to not sin. ;D Waste of breath.
--- End quote ---
Actually John, it's great advice and one I usually follow to a T while Single. Once I get Married, even though in this case, the Woman in question is overall pretty good, My Love for Her softened my stiff neck financial rigidity in regards to the Malibu.
On a side note: My Grandfathers were both Accountants and My Dad majored in Accounting at Middlebury College of Vermont, but later switched to Geology, got involved with Standard Oil.
Your advice is the best, stay within your means and don't borrow Money, except as a last alternative or resort. I've been telling My Wife for almost 7 years, We have to live within Our means or INCOME Level, Lets see if She listens, maybe this time.
Thanks, Samson.
--- End quote ---
It's so important to live within our means whenever possible. Sometimes, it is not possible. However, if you're fortunate enough to have a good job, you never know when you're gonna lose it.
I'm horrified to borrow huge amounts of money from anyone (especially family members), because you never know if you'll be able to pay it back timely or at all. That's embarrassing. I've avoided borrowing from family members for years. I'd rather die. My dad taught me about the value of having your own paycheck at a young age.
I got my first job at 15 as a "shampoo girl" (lol -- that sort of title has gone extinct in today's world of political correctness, but hey! That's what we were! We were girls and we shampooed people's hair. And we LOVED it!) at a rinky-dink hair salon in Maryland.
No exaggeration: after walking 2 miles to/from high school, I'd walk another 3 miles to/from work (from 5107 Tyburn Court to Old Branch Avenue in Camp Springs, Maryland--you can mapquest it) about three times a week, rain / shine. In fact, I liked walking and being out of my house so much I'd walk there on my days off just to see if they needed extra help -- I wouldn't bother to call first. And they'd say yes every time! They loved me.
I made pocket change at that job and spent every last cent every paycheck. haha. I was a kid.
I'm glad your relative has come to your rescue. It saddens me to hear when women take advantage of their husbands. It sounds like she might be looking for fulfillment in expensive material things because she's unhappy at home or something. My bosses work so hard, and I think, man, if their wives knew how hard they worked, they'd be floored. They'd be kissing their feet. They work so hard and so many hours. And they never complain. Not ever. They're never pushy or harsh with the staff. They're just some of the most kindhearted people. I've learned a lot from them.
Samson:
--- Quote from: Gina on January 31, 2012, 08:35:11 PM ---
--- Quote from: Samson on January 31, 2012, 03:20:07 PM ---
--- Quote from: John from Kentucky on January 31, 2012, 01:06:11 PM ---I have been a C.P.A. for over thirty years. I have seen just about all things of a financial nature.
The best advice comes from the scriptures where it says that the borrower is the servant (or slave) of the lender. If you want to be financially free, financially at peace, then never borrow money for any reason. Pay cash or go without.
Giving the above advice to any human is like telling people to not sin. ;D Waste of breath.
--- End quote ---
Actually John, it's great advice and one I usually follow to a T while Single. Once I get Married, even though in this case, the Woman in question is overall pretty good, My Love for Her softened my stiff neck financial rigidity in regards to the Malibu.
On a side note: My Grandfathers were both Accountants and My Dad majored in Accounting at Middlebury College of Vermont, but later switched to Geology, got involved with Standard Oil.
Your advice is the best, stay within your means and don't borrow Money, except as a last alternative or resort. I've been telling My Wife for almost 7 years, We have to live within Our means or INCOME Level, Lets see if She listens, maybe this time.
Thanks, Samson.
--- End quote ---
It's so important to live within our means whenever possible. Sometimes, it is not possible. However, if you're fortunate enough to have a good job, you never know when you're gonna lose it.
I'm horrified to borrow huge amounts of money from anyone (especially family members), because you never know if you'll be able to pay it back timely or at all. That's embarrassing. I've avoided borrowing from family members for years. I'd rather die. My dad taught me about the value of having your own paycheck at a young age.
I got my first job at 15 as a "shampoo girl" (lol -- that sort of title has gone extinct in today's world of political correctness, but hey! That's what we were! We were girls and we shampooed people's hair. And we LOVED it!) at a rinky-dink hair salon in Maryland.
No exaggeration: after walking 2 miles to/from high school, I'd walk another 3 miles to/from work (from 5107 Tyburn Court to Old Branch Avenue in Camp Springs, Maryland--you can mapquest it) about three times a week, rain / shine. In fact, I liked walking and being out of my house so much I'd walk there on my days off just to see if they needed extra help -- I wouldn't bother to call first. And they'd say yes every time! They loved me.
I made pocket change at that job and spent every last cent every paycheck. haha. I was a kid.
I'm glad your relative has come to your rescue. It saddens me to hear when women take advantage of their husbands. It sounds like she might be looking for fulfillment in expensive material things because she's unhappy at home or something. My bosses work so hard, and I think, man, if their wives knew how hard they worked, they'd be floored. They'd be kissing their feet. They work so hard and so many hours. And they never complain. Not ever. They're never pushy or harsh with the staff. They're just some of the most kindhearted people. I've learned a lot from them.
--- End quote ---
Gina,
You'd have to read Her Testimony for a general idea of what She's gone through in Life, My past pales in significance regarding suffering & Trials. I can be a little picky and naggy when it comes to Money. I don't like owing anyone Money either, like you mentioned earlier.
Pam(My Wife) has greatly improved Her spending habits, being very poor growing up and having Two former relationships that took Her Money, not leaving any for Her didn't help. Pam's Net income dropped approximately 40-45% after changing Jobs last June, but She's much happier. We could still have made the payment as it stood, in the last two months, We made several adjustments to lower Our expenses: Cell Phone Plan Options, Car Insurance, Cable TV & keeping track of the electric Company trying to sneak in overly high estimated bills( that's another story that is technically theft on their part), because if You or I did it, We'd be considered Thieves.
Actually, We wanted a lower payment to avoid cutting things too close and avoiding having to get part time jobs, I hate dealing with people now, don't want to unnecessarily increase stress in that area.
Actually, I probably shouldn't say this, but what the heck, My Dad offered to pay off Our Car Loan, no solicitation on Our part, it was quite a shock, right out of the blue. God's Total Sovereign, He already had this planned, Our refinance rejections, trying to do right regarding our finances & properly pay debts without trying to weasel our way out of it. I Told Pam, We were blessed by this unexpected miracle, Now, no more loans, My Dad believes exactly like John From Kentucky, don't borrow money, pay credit cards on time, live within your means, even if you have to do without some of Toys. My Dad is doing this as a gift, no pay back required on Our part. Maybe it's His way of making up for not ding right by His children while We were growing up, He's 89 soon. In many ways, I feel bad for Him and feel ashamed He's helping Me. I told Him that He didn't need to, it was Our problem, but He said that I'm His Son & He Loves Me. Maybe We can help Him in the Ages to come, I know that God Will.
I'm sounding a little mushy, sorry, but what an eventful last four days, Samson.
Gina:
I get what you're saying, Samson. It took courage to share all that. You don't sound "mushy" to me at all; just very appreciative. :)
onelovedread:
Great thread. I enjoyed it a whole lot.
I went into a mortgage with 2 ex church members, and am still stuck in it even though I don't even live at the place. Long story. And it's doing a number on my credit because one of them lost her job, and the payments are always late. I even offered to transfer my share for nothing, but they're not interested.
I guess because of the way I grew up, I still feel that giving money is a powerful expression of my love for my kids. Maybe I am 'buying' their love :) but ... I am trying in any way I can to make up for my shortcomings when they were younger.
Samson:
--- Quote from: onelovedread on January 31, 2012, 09:40:18 PM ---Great thread. I enjoyed it a whole lot.
I went into a mortgage with 2 ex church members, and am still stuck in it even though I don't even live at the place. Long story. And it's doing a number on my credit because one of them lost her job, and the payments are always late. I even offered to transfer my share for nothing, but they're not interested.
I guess because of the way I grew up, I still feel that giving money is a powerful expression of my love for my kids. Maybe I am 'buying' their love :) but ... I am trying in any way I can to make up for my shortcomings when they were younger.
--- End quote ---
I guess your last two sentences of Your Post is similar, if not exactly like My Dad. He helps the other three Kids too, but He doesn't relay the extent of it to Me, My Siblings tell Me, I guess He figures it's none of My business what He does to help My Siblings. I'm 55 years Old and I keep referring to myself as a Kid in this Post. To My Dad and to God The Father, I am just a Kid, especially to God The Father. If this Economy and Price inflation of goods continues to worsen, financially, many of Us will be like Kids in regards to a comparison of Our Income to Necessity Expenses.
God is doing a Strange Work, Samson.
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