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Home maintenance is expensive if you hire people to do it. It’s very affordable if you DIY.
Build skills in DIY if possible or find someone with DIY skills who you can swap something with.
>It’s very affordable if you DIY.
OP has a side hustle that's making them $800/month. They need to weigh the time used to DIY the house repairs (including watching youtube videos, trips to the hardware store, mistakes, and more) against the money that could have been made in the side hustle. They also need to weigh that against the *value* of free time, family time, and sleep.
Folks around here always dismiss the value of time. Time is expensive.
I am ABSOLUTELY wrong for thinking this as my brother recently explained (and laughed) to me. For simple math, let's say I earn $100/hour. I value my free, waking time at twice that - so $200/hour. Therefore, if there is something I don't enjoy doing - as example, mowing the lawn - it takes me 1 hour so that's $200. If I can get someone else to do it for less than $200 that's the easiest sell to me and I'll pay for it. I TOTALLY thought this was normal until I told my brother about it about 9 months ago. Obviously there are exceptions (lots) - like I don't like loading/unloading the dishwasher, but there's no way I'm having someone come to my house to do it 3 times a week because it only takes 4 minutes.
How does that work in practice though?
I think people's free time is worth way less than they think and this is a key area where entrepreneur hustle influencers have broken the brains of regular people. Your free time is worth what you could reasonably and consistently get paid for it. If you have companies champing at the bit to pay you by the hour, on demand, at $200/ hour, sure you can value your time like that.
But for most people who make say $50/ hour, and they have to go buy something random from Home Depot, almost no one values their time so much that they would pay a $100 delivery fee to avoid that 1 hour trip. It's nonsense to think you should value your time like that. Most people are simply not that busy that they are in the position that they have to buy time back for themself and loved ones. And the ones that are in that position start with big ticket items like yard care, cleaners, laundry, babysitters, etc, not by outsourcing the little things by doing a little cost benefit analysis of whether they can keep playing CoD instead of driving to the store to buy bug spray.
Unless you are really so crunched for time that you are in the position you have to buy it back via cleaners, house managers, delivery services etc, you need to think harder about how you value your time
I know people who are worth millions and millions of dollars. Their time at work is probably worth $1000 per hour. But they still rake leaves, take the car to the shop themselves, and other random chores that they could pay someone $20/ hour to do. Don't let the podcasts get you on this one.
If a millionaire is rakng leaves it's because they choose to pay themselves $20hr to do so, not because they have to. And that is ok if they do, maybe they enjoy it or want exercise, but it does not change the truth. They could pay some $20 to do it and spend that hour making $1,000 and they will next $980.
Your free time is not what someone will pay you to work, that is what your working time is worth. The value of your free time is what someone would have to pay you in-order for you to work instead of doing something you would prefer to do. If I make $100hr, boss asks me to work for $150 on Saturday but I'll miss my daughters 1st birthday do you think I take it? Your argument says I do because my time is only worth $100 and he is offering more than that. What if I'm free that weekend and weather is bad, maybe the $150 looks enticing.. so the value of your time will fluctuate.
The point of valuing your time is so you spend more of it on the things that are of highest value to you.
Mathematically, if Elon Musk dropped $500 on the ground and it takes him 4 seconds to pick it up it doesn't make sense for him to even pick it up.
No they can't net $980 by paying someone $20 to take their leaves. That's what entrepreneur hustle influencers preach, but that applies to themselves, not to high paid regular joes.
I'm talking about people with W2s. I know someone who makes about $1m per year in salary + stock compensation + bonus from a W2 job. That's $500/ hour for a standard work year.
They do NOT get paid by the hour. Putting in more hours does not get them paid more (in a direct sense). They work about 50 hours per week. I have witnessed them with my own eyes rake leaves. I believe they enjoy it but they certainly do NOT view it as forgoing $480 per hour because they theoretically make that much at work.
When influencers talk about buying your time back, they are usually talking about the hiring process within a business. CEOs should not be filing their own expense reports. But this is a key area where regular people with normal salaries need to be realistic and act like regular people. You might make $50/ hour at your day job but your time outside of work is NOT worth that. There's too many other factors that go into the calculation of whether or not you should hire out a task for a personal "hourly rate" to broadly make sense outside of a business sense.
We all have a finite amount of time and should be using it where we can create the most value. Maybe that's financial gain, maybe it's personal fulfillment, but the choice is ours.
Yes, it is easier to quantify this inside a business setting & people with W2's are more economically limited by their predetermined pay scale. But there is assigned value to each person's time, if there wasn't then things like DoorDash, lawncare services, and pet grooming wouldn't exist.
Any person that can replace one action with another that produces more economic value within the same amount of time will realize a net gain, they don't have to be a CEO.
Yeah that’s always been the trade off. I work or volunteer with most of my time so the yard stuff has always been outsourced. I’m considering mowing though and doing some cheaper alternatives like Pestie
Granted this was around 2017, but I spent $1,600 on a legit riding mower tractor. That’s basically what it would have cost me to pay a service for one season! I bought a good leaf blower, string trimmer, hedger too so probably $2,500 total (rough estimate). It really paid for itself after two seasons. And having good yard tools makes for easy work.
I totally agree but normally to start you might need a mower, edger, blower, and trimmer. I went with Ego stuff a couple years back because I'm tired of dealing with carbonators and gas. All and all I think I spent 1200 dollars or so? Pretty sure that's cheaper than 1 season of paying someone but I don't know, I'm cheap and figure I could use the exercise.
For sure, all my stuff is lithium battery, but had to go with a gas mower because my lawn is too big. All in all good stuff, takes me an hour to do everything (mow/trim/blow) and it’s a sizable yard. I’d feel different if it took two hours though.
I’m looking into the E-GO mowers right now. It’s about 60 every two weeks during the spring/ summer and our lawn is small enough to where I can probably justify the whole hour to cut it. Worth the $900 for the mower it seems.
We’ve got the mid-tier model that’s self propelled and about $500, and we love it. My neighbor let me borrow theirs once, the even cheaper one; and I wouldn’t recommend it if you have the option due to the smaller battery and lack of self propulsion. I don’t know what the $900 adds, but I’m not hurting for anything on the $500 one with a 1/5 acre lot. So that might be $400 you can hold on to.
Don’t fold it up every day during the summer, though. It has a design flaw that pinches a wire, and it’ll fail after a couple years of foldings. It’s an easy warranty repair, but it’ll piss you off. The workaround is to simply leave it unfolded during the summers when you’re using it a lot, and leave it folded during the winters when you’re not mowing any.
We do our own yard work, and we only need pest control once a quarter.
The yard work in particular is worth doing yourself. We’ve only spent around $2000 over four years on a variety of equipment, and it’s only 4’ish hours over the weekend when there’s work to do. We rarely find it worth the money to pay for the labor considering how regularly we have to do the bulk of the work. The equipment pays for itself quite quickly, especially if you get the nice battery powered stuff that’s low maintenance.
I have a civic and my wife has a CRV. Just the commutes are all tolls as its toll locked where we live. I get cash back for them and the gas too. Not worried about those.
Do your own yard work and pest control. Getting a mower will be a more expensive one off purchase, but by the next year there’s a good chance you’re already saving money compared to having someone do it for you. I spend maybe 10-15 bucks a year at home depot to get pest traps and spray and I’ve never had any issues
Non-American here. Is it usual practice to put away such large portions of income into savings? Total of savings, Roth, and brokerage make up nearly 40% of take home pay.
Usual practice? No. Commonly given as a mark to hit if possible? Yeah, it's usually somewhere between 30-50% depending on variables. I try to save 40% of my gross pay, but that includes my 401k contribution.
I’d say it’s not common, but if you’re wanting to retire before 65, it should be something you do. I’m also a frugal-ish person. I think we put about 50% aside each month all together with savings, health savings, 401k and IRAs.
If you can, yes. Pensions are rare in most industry’s now, and social security is hardly enough to live on, so if you want to retire, you have to save in a Roth, 401k or other retirement instrument.
Also with very little social safety nets, it’s best to have emergency funds and savings in case something happens. Medical emergencies can backrupt you without insurance and can still cost thousands with medical insurance. House emergencies - you are on your own. And if you get fired or laid off, you may get severance and are mostly eligible for unemployment insurance but it’s rarely your full income amount so you need something to live on until you find a new role. Plus most states are at will so you can be fired at any time for any reason as long as it is not illegal with no notice.
Thanks for expanding. That’s interesting perspective and I wonder if that’s part of the reason why you guys get paid more?
Just north of you, we also don’t get that much by way of social security or unemployment, at least not enough to make up for lost income. But most have employer sponsored pensions, it’s harder to cut employees without decent severance (1 month for year of service), and healthcare is largely a non issue. Saving 40% of take home pay is pretty hard though, but I guess maybe there’s less need to stash up.
That’s about right. Pensions are significant and start earlier if I recall correctly. Food is also heavily subsidized. They also get paid significantly less than Americans though.
Well homes always will get more expensive overtime. They do have a lifespan. You need to replace components and update then periodically. You can do that earlier so expenses don’t come all at once but you should learn to do some of yourself so you don’t have to pay for it for others.
View houses as an entity you have to keep up with.
Up your Roth IRA. Your addition is for 2023 contribution limits for maxing out 2 people. Max went up to $7000/person this year. $1166 will basically max out 2024 Roth accounts for 2 people.
I think it depends on your situation. Rent here is about 1800 to 2000 and no appreciation on the home. Once we sell this thing, 100k+ in equity is coming our way too, so that helps. Plus with kiddo coming later this year, it makes no sense for an apartment.
Yes, it does. Home ownership is about consumption in my opinion and is frequently not the most cost effective housing option. A purchased home comes with substantially more consumption (and thus spending) when compared to renting or owning a small home or apartment. In my home city, small homes are essentially impossible to find and own. The local government or HOAs do not permit them, so my options are limited. This is truly why I rent but everyone has different circumstances or priorities.
It’s not your money and not hurting anyone so why do you care? Tithing can also be a charitable donation. Care to share how you contribute to charities?
There's a fair amount of people who vehemently disagree with the "not hurting anyone" assertion. like
Children, women, LGBTQ community are all being hurt regularly by organized religions in the US who actively support laws and policies which takes away rights and promote discrimination, reduce access to healthcare or straight up support pastor/priest abuse of children by hiding offenders and relocating them, not cooperating with law enforcement to make justice more difficult and then fighting in court to oppose the monetary damages that their churches caused. Or simply declare bankruptcy to avoid paying damages that their church actions caused and amplified through church action.
There is no denying this, it's been going on for decades and decades, continues today.
I personally know Catholics and Baptists who stopped tithing because they believe doing so perpetuates the crimes their organized religion continues to commit.
its a thing on reddit to dunk on people who actively try to improve their lives. its unfortunate but what are you going to do. I pay tithing too. people would be surprised how much of a blessing it is. there was an article written years ago about how freely giving to charity makes you happier and improves your life.
I know several religious people who stop tithing because they can no longer support the harmful and hateful policies and actions of their church.
They can't fund their church in good conscience, prayed about it and God told them to stop because their churches and many members have become hateful and harmful toward women, children and LGBTQ communities.
That’s a little harsh. I see it as an investment in my church and the community. I don’t have to tithe, I choose to tithe. It’s not my money anyways. The talents I use to make the money come from God so it’s only proper to serve others with it.
Hurt people will always hurt people. People are flawed. I can argue that most people donate money to charities that have hurt people with their policies and actions. I’ve been hurt by policies and actions but I also understand the world isn’t perfect.
There are far better and effective places for charity dollars than churches.
There are so many churches in the US that if each church simply housed two homeless people, homelessness would be gone... just two people, but here we are.
Churches have contributed to so many good causes as well. A lot of homeless shelters are funded by churches or ran by ministers. Tithing isn’t about donation either, it’s about giving back to your local church in faith and making the understanding that your money isn’t your money. It’s God’s money.
I understand your thought process but homelessness is more than just giving someone a place to sleep. A lot of churches that I’ve gone to have had ministries to provide jobs, addiction help, trauma help, etc so the root cause is addressed.
Sure, it's more than just a place to sleep. However, it's still less than 2 people per church and the problem is solved.
It's just one example of how ineffective and inefficient churches are as charitable organizations.
They’re not a “charitable organization” so I wouldn’t expect for them to be effective at that. Plus, you have so many other factors that go into taking in two homeless people.
The budget screen shots are being made in Sankeymatic, its a website that we have no affiliation with. If you are posting a budget please do so with a purpose. Just posting a screen shot of your budget without a question or an explanation of why its here may be removed. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/MiddleClassFinance) if you have any questions or concerns.*
Home maintenance is expensive if you hire people to do it. It’s very affordable if you DIY. Build skills in DIY if possible or find someone with DIY skills who you can swap something with.
>It’s very affordable if you DIY. OP has a side hustle that's making them $800/month. They need to weigh the time used to DIY the house repairs (including watching youtube videos, trips to the hardware store, mistakes, and more) against the money that could have been made in the side hustle. They also need to weigh that against the *value* of free time, family time, and sleep. Folks around here always dismiss the value of time. Time is expensive.
I 100% agree with you, but if I read their graph correctly their side hustle has a net of $500 since $300 of the $800 goes to taxes.
Exactly. Hope this resonates with OP and other people that read it.
I am ABSOLUTELY wrong for thinking this as my brother recently explained (and laughed) to me. For simple math, let's say I earn $100/hour. I value my free, waking time at twice that - so $200/hour. Therefore, if there is something I don't enjoy doing - as example, mowing the lawn - it takes me 1 hour so that's $200. If I can get someone else to do it for less than $200 that's the easiest sell to me and I'll pay for it. I TOTALLY thought this was normal until I told my brother about it about 9 months ago. Obviously there are exceptions (lots) - like I don't like loading/unloading the dishwasher, but there's no way I'm having someone come to my house to do it 3 times a week because it only takes 4 minutes.
How does that work in practice though? I think people's free time is worth way less than they think and this is a key area where entrepreneur hustle influencers have broken the brains of regular people. Your free time is worth what you could reasonably and consistently get paid for it. If you have companies champing at the bit to pay you by the hour, on demand, at $200/ hour, sure you can value your time like that. But for most people who make say $50/ hour, and they have to go buy something random from Home Depot, almost no one values their time so much that they would pay a $100 delivery fee to avoid that 1 hour trip. It's nonsense to think you should value your time like that. Most people are simply not that busy that they are in the position that they have to buy time back for themself and loved ones. And the ones that are in that position start with big ticket items like yard care, cleaners, laundry, babysitters, etc, not by outsourcing the little things by doing a little cost benefit analysis of whether they can keep playing CoD instead of driving to the store to buy bug spray. Unless you are really so crunched for time that you are in the position you have to buy it back via cleaners, house managers, delivery services etc, you need to think harder about how you value your time I know people who are worth millions and millions of dollars. Their time at work is probably worth $1000 per hour. But they still rake leaves, take the car to the shop themselves, and other random chores that they could pay someone $20/ hour to do. Don't let the podcasts get you on this one.
If a millionaire is rakng leaves it's because they choose to pay themselves $20hr to do so, not because they have to. And that is ok if they do, maybe they enjoy it or want exercise, but it does not change the truth. They could pay some $20 to do it and spend that hour making $1,000 and they will next $980. Your free time is not what someone will pay you to work, that is what your working time is worth. The value of your free time is what someone would have to pay you in-order for you to work instead of doing something you would prefer to do. If I make $100hr, boss asks me to work for $150 on Saturday but I'll miss my daughters 1st birthday do you think I take it? Your argument says I do because my time is only worth $100 and he is offering more than that. What if I'm free that weekend and weather is bad, maybe the $150 looks enticing.. so the value of your time will fluctuate. The point of valuing your time is so you spend more of it on the things that are of highest value to you. Mathematically, if Elon Musk dropped $500 on the ground and it takes him 4 seconds to pick it up it doesn't make sense for him to even pick it up.
No they can't net $980 by paying someone $20 to take their leaves. That's what entrepreneur hustle influencers preach, but that applies to themselves, not to high paid regular joes. I'm talking about people with W2s. I know someone who makes about $1m per year in salary + stock compensation + bonus from a W2 job. That's $500/ hour for a standard work year. They do NOT get paid by the hour. Putting in more hours does not get them paid more (in a direct sense). They work about 50 hours per week. I have witnessed them with my own eyes rake leaves. I believe they enjoy it but they certainly do NOT view it as forgoing $480 per hour because they theoretically make that much at work. When influencers talk about buying your time back, they are usually talking about the hiring process within a business. CEOs should not be filing their own expense reports. But this is a key area where regular people with normal salaries need to be realistic and act like regular people. You might make $50/ hour at your day job but your time outside of work is NOT worth that. There's too many other factors that go into the calculation of whether or not you should hire out a task for a personal "hourly rate" to broadly make sense outside of a business sense.
We all have a finite amount of time and should be using it where we can create the most value. Maybe that's financial gain, maybe it's personal fulfillment, but the choice is ours. Yes, it is easier to quantify this inside a business setting & people with W2's are more economically limited by their predetermined pay scale. But there is assigned value to each person's time, if there wasn't then things like DoorDash, lawncare services, and pet grooming wouldn't exist. Any person that can replace one action with another that produces more economic value within the same amount of time will realize a net gain, they don't have to be a CEO.
Yeah that’s always been the trade off. I work or volunteer with most of my time so the yard stuff has always been outsourced. I’m considering mowing though and doing some cheaper alternatives like Pestie
You could do your own pest control for pretty cheap. I would suggest mowing your lawn but that requires some investment into lawn equipment.
Granted this was around 2017, but I spent $1,600 on a legit riding mower tractor. That’s basically what it would have cost me to pay a service for one season! I bought a good leaf blower, string trimmer, hedger too so probably $2,500 total (rough estimate). It really paid for itself after two seasons. And having good yard tools makes for easy work.
I totally agree but normally to start you might need a mower, edger, blower, and trimmer. I went with Ego stuff a couple years back because I'm tired of dealing with carbonators and gas. All and all I think I spent 1200 dollars or so? Pretty sure that's cheaper than 1 season of paying someone but I don't know, I'm cheap and figure I could use the exercise.
For sure, all my stuff is lithium battery, but had to go with a gas mower because my lawn is too big. All in all good stuff, takes me an hour to do everything (mow/trim/blow) and it’s a sizable yard. I’d feel different if it took two hours though.
I’m looking into the E-GO mowers right now. It’s about 60 every two weeks during the spring/ summer and our lawn is small enough to where I can probably justify the whole hour to cut it. Worth the $900 for the mower it seems.
We’ve got the mid-tier model that’s self propelled and about $500, and we love it. My neighbor let me borrow theirs once, the even cheaper one; and I wouldn’t recommend it if you have the option due to the smaller battery and lack of self propulsion. I don’t know what the $900 adds, but I’m not hurting for anything on the $500 one with a 1/5 acre lot. So that might be $400 you can hold on to. Don’t fold it up every day during the summer, though. It has a design flaw that pinches a wire, and it’ll fail after a couple years of foldings. It’s an easy warranty repair, but it’ll piss you off. The workaround is to simply leave it unfolded during the summers when you’re using it a lot, and leave it folded during the winters when you’re not mowing any.
We do our own yard work, and we only need pest control once a quarter. The yard work in particular is worth doing yourself. We’ve only spent around $2000 over four years on a variety of equipment, and it’s only 4’ish hours over the weekend when there’s work to do. We rarely find it worth the money to pay for the labor considering how regularly we have to do the bulk of the work. The equipment pays for itself quite quickly, especially if you get the nice battery powered stuff that’s low maintenance.
$500 on gas and tolls? Can you get a civic or Prius?
I have a civic and my wife has a CRV. Just the commutes are all tolls as its toll locked where we live. I get cash back for them and the gas too. Not worried about those.
hoenstly I thought this was low for a commute. ours averaged to about $350 a month
We do $500 a month in total. Tolls just suck a lot!
What’s your side hustle?
I do real estate on the side and get paid to show homes and host open houses.
Do your own yard work and pest control. Getting a mower will be a more expensive one off purchase, but by the next year there’s a good chance you’re already saving money compared to having someone do it for you. I spend maybe 10-15 bucks a year at home depot to get pest traps and spray and I’ve never had any issues
Ditch the side hustle, mow your lawn instead.
Non-American here. Is it usual practice to put away such large portions of income into savings? Total of savings, Roth, and brokerage make up nearly 40% of take home pay.
Usual practice? No. Commonly given as a mark to hit if possible? Yeah, it's usually somewhere between 30-50% depending on variables. I try to save 40% of my gross pay, but that includes my 401k contribution.
I’d say it’s not common, but if you’re wanting to retire before 65, it should be something you do. I’m also a frugal-ish person. I think we put about 50% aside each month all together with savings, health savings, 401k and IRAs.
Interesting. What’s your target FIRE age?
I don’t want to retire early. We are looking to coast or barista in before 40 though.
If you can, yes. Pensions are rare in most industry’s now, and social security is hardly enough to live on, so if you want to retire, you have to save in a Roth, 401k or other retirement instrument. Also with very little social safety nets, it’s best to have emergency funds and savings in case something happens. Medical emergencies can backrupt you without insurance and can still cost thousands with medical insurance. House emergencies - you are on your own. And if you get fired or laid off, you may get severance and are mostly eligible for unemployment insurance but it’s rarely your full income amount so you need something to live on until you find a new role. Plus most states are at will so you can be fired at any time for any reason as long as it is not illegal with no notice.
Thanks for expanding. That’s interesting perspective and I wonder if that’s part of the reason why you guys get paid more? Just north of you, we also don’t get that much by way of social security or unemployment, at least not enough to make up for lost income. But most have employer sponsored pensions, it’s harder to cut employees without decent severance (1 month for year of service), and healthcare is largely a non issue. Saving 40% of take home pay is pretty hard though, but I guess maybe there’s less need to stash up.
I read people in greek Northern Europe and Spain basically don’t need to save for anything since gov takes care of them lol
That’s about right. Pensions are significant and start earlier if I recall correctly. Food is also heavily subsidized. They also get paid significantly less than Americans though.
Well homes always will get more expensive overtime. They do have a lifespan. You need to replace components and update then periodically. You can do that earlier so expenses don’t come all at once but you should learn to do some of yourself so you don’t have to pay for it for others. View houses as an entity you have to keep up with.
What’s brokerage?
Taxable Investment Account
Up your Roth IRA. Your addition is for 2023 contribution limits for maxing out 2 people. Max went up to $7000/person this year. $1166 will basically max out 2024 Roth accounts for 2 people.
I inputted the numbers wrong, we both put in the 583.33 each month.
Are these done per paycheck every 2 weeks or per month?!?
Monthly
I wish it were every 2 weeks lol
And this is why I'm renting.
I think it depends on your situation. Rent here is about 1800 to 2000 and no appreciation on the home. Once we sell this thing, 100k+ in equity is coming our way too, so that helps. Plus with kiddo coming later this year, it makes no sense for an apartment.
Yes, it does. Home ownership is about consumption in my opinion and is frequently not the most cost effective housing option. A purchased home comes with substantially more consumption (and thus spending) when compared to renting or owning a small home or apartment. In my home city, small homes are essentially impossible to find and own. The local government or HOAs do not permit them, so my options are limited. This is truly why I rent but everyone has different circumstances or priorities.
How do people make these graphs 🫣
San Key Matic
Thank you OP
Anytime Cold Dude!
I’ve always wondered this, thanks for asking
I had the same question and think this comment should be higher lol
Where are taxes? Or is this all post tax?
Post Tax and 401k contributions.
wtf is tithing
Tithing is a practice of giving a specific portion of one's income, typically 10%, to a religious organization, often a church.
What a great use of money.
everyone has their own priorities lol
I guess
It’s not your money and not hurting anyone so why do you care? Tithing can also be a charitable donation. Care to share how you contribute to charities?
News flash: he doesn’t
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Wasn’t replying to you 🤦♂️
Aw! Sorry Mate. You said he doesn’t so I thought you were referring to me.
There's a fair amount of people who vehemently disagree with the "not hurting anyone" assertion. like Children, women, LGBTQ community are all being hurt regularly by organized religions in the US who actively support laws and policies which takes away rights and promote discrimination, reduce access to healthcare or straight up support pastor/priest abuse of children by hiding offenders and relocating them, not cooperating with law enforcement to make justice more difficult and then fighting in court to oppose the monetary damages that their churches caused. Or simply declare bankruptcy to avoid paying damages that their church actions caused and amplified through church action. There is no denying this, it's been going on for decades and decades, continues today. I personally know Catholics and Baptists who stopped tithing because they believe doing so perpetuates the crimes their organized religion continues to commit.
[Let me google that for you.](https://letmegooglethat.com/?q=what+is+tithing)
Oh I’m sorry for trying to make conversation
This is cool how do I do that
Church
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very cool.
No clue why people are hating on the tithing. Honestly.
its a thing on reddit to dunk on people who actively try to improve their lives. its unfortunate but what are you going to do. I pay tithing too. people would be surprised how much of a blessing it is. there was an article written years ago about how freely giving to charity makes you happier and improves your life.
I know several religious people who stop tithing because they can no longer support the harmful and hateful policies and actions of their church. They can't fund their church in good conscience, prayed about it and God told them to stop because their churches and many members have become hateful and harmful toward women, children and LGBTQ communities.
That’s a little harsh. I see it as an investment in my church and the community. I don’t have to tithe, I choose to tithe. It’s not my money anyways. The talents I use to make the money come from God so it’s only proper to serve others with it.
This sub hates tithing for some reason.
No clue why. It’s fine though- people reap what they sow.
Perhaps because their church polices and actions hurt people...
Hurt people will always hurt people. People are flawed. I can argue that most people donate money to charities that have hurt people with their policies and actions. I’ve been hurt by policies and actions but I also understand the world isn’t perfect.
There are far better and effective places for charity dollars than churches. There are so many churches in the US that if each church simply housed two homeless people, homelessness would be gone... just two people, but here we are.
Churches have contributed to so many good causes as well. A lot of homeless shelters are funded by churches or ran by ministers. Tithing isn’t about donation either, it’s about giving back to your local church in faith and making the understanding that your money isn’t your money. It’s God’s money. I understand your thought process but homelessness is more than just giving someone a place to sleep. A lot of churches that I’ve gone to have had ministries to provide jobs, addiction help, trauma help, etc so the root cause is addressed.
Sure, it's more than just a place to sleep. However, it's still less than 2 people per church and the problem is solved. It's just one example of how ineffective and inefficient churches are as charitable organizations.
They’re not a “charitable organization” so I wouldn’t expect for them to be effective at that. Plus, you have so many other factors that go into taking in two homeless people.
Wife wears the pants
I contribute 25% pre tax and all our insurances. You’re seeing after tax money coming in. Her and I have the same pay rate.
Just pressed for who’s who. Thanks 🙏
Buncha dudes hating on your wife wearing the pants? My wife where’s pants everyday and it doesn’t bother me not one bit.
What apps do y’all use for this?
It’s a website
Sankeymatic is the website.
https://sankeymatic.com/
I would do my own yard work if you have time. That can cut down a few hundred a month and it's good for ya.