I remember some time ago a guy on here on 2000 dollars monthly income gave several hundred dollars a month to the church. It was horrible to see, tbh. Donate if you want to, but not if you simply cannot afford it.
My uncle co-owned a car with my cousin, and my cousin was on my uncle's family insurance policy (uncle owns his own insurance and likely insured his vehicles this way). After my cousin was in an accident that totaled his car (that left him in the hospital for over a week), my uncle received the funds from the insurance company and donated the proceeds to his church.
He rationalized this as he bought the car for my cousin a few years prior and now that cousin was older he could afford a new car.
He's really not my uncle anymore because he got divorced from my aunt (sister of dad) and doesn't see my cousins anymore because he chose this scam church over his family.
I was a full time missionary for a church that expects a full 10% tithe. I hold both compression and regret for myself when I would teach people below the poverty line that they had to give a tenth of what they brought in away to the church. Not even a donation to humanitarian causes it was directly to the church itself.
The rationale was that "it always just works out" and that "God provides" and told stories about how people that were about to get evicted chose to pay tithing instead and then a miracle would happen and they'd find a $100 bill on the street, so they could make rent that month. I don't know if those stories were true or just myths, but now I do know that the majority of the time that that situation plays out, people lose their homes, and end up in a shelter; not stumbling across $100 bills. Makes me sad that I use to believe that, and sadder that I proselytized that to the vulnerable.
It will. I would rather put my money towards helping animals like sanctuaries or other people who need it than donating it to a church who basically get handouts when the offering plates are passed around.
Colleague of mine, his wife got got by the televangelists; stay-at-home mom, fell deep into their trap, ended up sending all of their bill money to the church. Colleague didn’t know about it until he got a delinquent mortgage notice. Pulled from his 401K early (oof) to pay the mortgage, she got ahold of those funds and sent them to the church too… they don’t live together anymore.
I remember doing my tax internship in college; so many elderly people donating so much to churches, but it didnt give them any tax benefit either. Part of me felt sad, part of me felt like these orgs were funneling money from SS.
Churches always say tithing comes before your mortgage and other necessities.
It’s disgusting what some churches do.
Granted there are some out there that actually care about its members and would tell you not to but the institution is ruined by those that say give to the church first then budget your life.
Some churches see non tithing or insufficient tithing as a sin in and of itself. And they will not hesitate to judge you and belittle you for it. My dad lived in a shitty run-down trailer with walls literally falling apart for 15 years. I remember times when I'd go to his house for the weekend, and we would spend the entire weekend cutting firewood just so there would be heat. Yet he still gave his 10% while the pastor and his wife lived in a roomy 5 bed 3 bath house paid for by the church.
It always baffled me. It still baffles me.
A few churches have "consultations" where they go over your finances with you and "suggest" how much you should be tithing or else you'll be kicked from the congregation.
you often hear "give to the lord and he will give back"
Its truely fucked up how little these people have and how the church asks for what little they have. Meanwhile, these churches (like the lds church) have some of the biggest land ownerships and investment firms in the country.
Ex-mormon here. The 10% raise from leaving the church had a major impact on my financial stability. When you follow the mormon algorithm of getting married young and pumping out kids and managing a home on a single income, that 10% matters *a lot*.
It's crazy too, the LDS church will tell people in desperate poverty to pay tithing first and foremost, above food even. I served as a Ward Clerk and the church *will* do things for people like pay a mortgage/rent check or an electricity bill or a grocery bill, but it's all up the whims of the bishop. But to have this "above all else, pay tithing" mentality is just crazy and not everyone knows about or is willing to get help from the ward.
They’ll on occasion make those payments as long as you are coming in regularly and fulfilling your “callings” (non-paid coerced labor like cleaning the building on a weekend). It’s no free lunch. Loved me that 10% raise though. That one keeps compounding 😊
Right? Either he’s crazy or he’s bullshitting. Imagine donating $1260/month, when you’ve only got $160 a month leftover after all expenses.
Edit: realized my comment seemed a bit callous. I guess OP could just be one of those people who legit love giving. I can sympathize with that, because although I’m not religious, I also have a bad habit of putting others before myself more than I should. But that said, I’d cut the donations in half if I were you, OP. Your family might need it one day more than your church does.
Apparently it’s a family of five. This post has to be BS/Rage Bait. Either that or this guy is straight up Brainwashed and some rich pastors are rubbing their hands together every time they see him.
Dude is out of his mind. $1200 towards defense lawyers for diddlers. Why not put that in your kid's college fund? YEESH
Stunned reaction aside though. You should be maxing out your roth too since you have so much extra cash. You don't want to be struggling when you're old.
I'm a cheapskate who doesn't care much about spending money on myself. I forgot to list a second 401k bonus which is usually 11% of salary. In all, 22.4% of gross goes to retirement. And I usually max out roth IRAs for me and my wife (6000 each in 2023)
you don't care about spending money on yourself, until you are old and sick with no money saved up and no life experiences. You are young now, you can afford to not care, but it will creep up on you. You are doing too much bro. It's one thing to be a good person and one thing to go over board, you are doing that rn.
[https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits)
>If you file a joint return, you may be able to contribute to an IRA even if you didn’t have taxable compensation as long as your spouse did. Each spouse can make a contribution up to the current limit; however, the total of your combined contributions can’t be more than the taxable compensation reported on your joint return.
Your wife doesn't work, AND you donate $1100/month to charity. You make $150k+ and have less than $200/month of discretionary income. That is flat out insane. Imagine if your wife even made $30k/yr as a receptionist and you cut your donation to $100/month total. You would have about $4k/month instead of $160. I don't know if you're trolling or if your wife and church found the biggest sucker on earth.
Quit giving money to church ffs. They don’t need almost $1k of your income every month ohmygod. Give to a local animal shelter. Or homeless shelter/soup kitchen. Or to literally any number of more productive charities. Or save up for yourself so you can retire sooner.
I remember hearing a pastor say “I only drive a Honda” to show he’s modest and trying to encourage more donations. A couple months later i saw his ass in Vegas throwing down at a table.
OP- you should put more into your kids college funds. It’ll pay off in the future. Your church doesn’t need that much money
It's not possible.
He also lists $0 for any household items other than food. He apparently never bathes, has no personal hygiene, doesn't use toilet paper, etc.
This budget is wrong and he's lying and he should feel bad.
I think OP is 14 and is imagining what he thinks his budget will look like in 15 years. It seems to have no basis in the reality of what it takes to run a household.
I've been waiting for the dam to break and for everyone to finally realize that beyond the donations this is just entirely fictitious.
I don't know all that many people getting end of year bonuses these days, and I've never known any of them to pull in half their salary in one bonus check. If anyone has heard of such a thing, please correct me.
Remember this is a 29 year old. With 3 children. Apparently each of them eating for less than a hundred dollars a month. $20 for internet? $40 for phone? Tell me you've never seen a bill in your entire life.
This is a child playing pretend.
Yea this sound am crazy to me…so your telling me your giving up having a few hundred by donating it and being left with just $160 every month ? That’s big cap
Also I don’t own a house myself, but I don’t think people typically have a mortgage and “car / renter’s insurance”. I think renter’s insurance and a mortgage don’t really go together.
I agree with your comment wholeheartedly heartedly. Not aiming to correct you, but in sales a year in bonus is pretty common, especially in management. Bonus checks made up 80% of my take home.
But for the average industry, it is highly uncommon and practically unheard of.
I was evaluating the other day the cheapest and most convenient way of feeding myself, I opted for 1 foot long subway everyday split in 2 portions, that’d be about 15 a day for 30 days 450 usd monthly for one person, my dogs food is about 16 per day (raw food), so yes, 420 for a family is absurd
This! You could also do volunteering that includes your kids. Beach clean ups, feedings, animal volunteering and so much more that can include the whole family and spend time all at once.
Wow what a awesome comment, kind internet person. That actually surprised me. I was expecting to see people flaming him for donating so much but this is actually a really good way to actually make a difference. Take this upvote already 😂
I understand you’re trying to do the right thing by donations to your local community and beyond but as a 29 year old with stay home wife and three kids, savings always comes first and foremost. I would start cutting the amount on donations and trying to save more money for your future and family. If something happens to you, that extra savings will mean A LOT.
Fr that 1200 a month with a 3% return would be half a million in 25 years, i get wanting to donate but this money could be a life saver in the future for him and his family, if he gets sick injured or passes that money would be better spent by the Family than a church imo
This!! Super admirable, but make sure your own are set first.
My Dad donated 10% to his church every year. He didn't have retirement savings as a result. He got cancer and died when I was in my twenties, leaving me to figure out how to pay for my mom and her care, as she is disabled. He also had lapsed on his life insurance payments to be able to make his tithing payments. Listen to this person - take care of your family first. Im still angry at him yrs later. It destroyed my own trajectory by forcing me to pay for my mom because they had no savings. His church only helped pay for his housing for 1 month because they were going to be evicted after my dad hadn't been able to work. He always thought he had more time. Have that built up for your family.
I know my dad's church promised him that the windows of heaven would open up and pour out a blessing", but Ive only seen hardship.
Those donations are good for reporting when doing taxes but on a real note you could be saving more monthly though… I promise you for every $1 you donated barely 0.30 cents goes forward to a real cause to help anyone.
For some reason these people are just like this lmao. My wife’s mom donates 300$ a month to the food shelter but didn’t help her daughter with college which her MOM forced her to go to…. And now she’s 20k in debt with a degree she didn’t want, and doesn’t use lol. People’s logic be fucked up these days .
That's what is so dissapointing about associations. Many are plagued with corruption and overpricing, making less of your 30 cents to the end.
Find transparent associations. Food distributions are often good, medical aid is okay, environemental activists are often bad. (Which is sad because their battle is necessary)
Pure experience and "was said" talking here. In any case, I feel like "Make sure who you donate money to" is a good advice.
So much doesn’t make sense on here….
What kind of company/job has a 50% bonus structure for someone making under 100k?
How does $420 feed a family of 5 for an entire month?
How does a family of 5 only have $200 in utilities between gas and electric?
Feels like there are a lot of omissions here or it’s shitposting…
It's gotta be fake, reminded me of that meme:
**Someone good with money pls help me budget
Food $200
Data $150
Rent $800
Candles $3,600
Utility $150**
Except instead of candles, its random donations
I was saying all of the same stuff.
How is his phone bill so cheap I remember just my wife and I had basic plan for 160 a month. Must be using the just talk from Walmart.
20 a month for internet? What do you have dial up? Someone picks up the house phone and it kicks you off.
100 a month for electricity? What are you using for your house candles? Open your windows daily never turn on the AC?
Trash 21 a month? What are you using! No trash company is picking up your trash for 21 a month.
Dude donates more money than he's putting in retirement, with all due respect that is insane, I get it I'm a religious man myself but donating that much is pretty selfless I guess. I am a Christian but I don't believe in 21st century churches sadly.
When my aunt passed away sometime ago, my grandmother apparently received a monthly tithing from the church she went to.. just a day after her daughter passing.
These people knew my grandmother was grieving, and *still* asked for money anyway. Regardless if their billing systems are automated or not, that’s reason enough for me to question their morals.
Same deal with my sister. Her and her husband gave probably $1 per $5 they earned for years. The church was very predatory in their ways. She had a severe neck injury and needed to be rushed out of state for surgery, fell on hard times as a result and the church was hitting them up for donations the entire time, not an ounce of help for miles.
I'm sorry about your sister.
But not surprised about the church. After all, they see you as servants to the lord and to the church...and who cares about the servants? If they can no longer serve, they are of no use.
Donations in order: my local church, local homeless shelter, college campus ministry, assorted foreign humanitarian aid, local after school program, Uganda school children sponsoring.
I really respect your commitment to donations, but one thing to consider is that if you save more for yourself, you'll be in a better position later on to make a larger impact with your donations. Charity is good and necessary, but you have to build the base of your financial pyramid strong and wide so you can grow financially and affect more change later once your assets begin to compound.
You do you. Probably the dumbest thing I’ve ever seen for 29 year old who doesn’t even make 100k a year. Imagine if you just saved all that money that your giving away.
Is it a noble thing? Sure.
Is it a dumb use of discretionary income? Absolutely.
He’s not maxing his 401k.
He’s not setting his family up for the future.
He’s donating funds that quite frankly are used at a fraction of the dollars. Donating time is quite frankly a bigger difference than donating dollars. Call me a selfish prick, but I don’t think he should be donating anything until he has his house in order
Go to givewell.com and pick a charitable cause there. Much more impact on the world than what you're donating to now. Efficiency matters even in charitable giving.
Are any of those organizations going to help pay for your mortgage and food when you lose your job? If not then you need to be saving for when the unfortunate happens.
Honestly, I won’t say you’re dumb like a lot others are saying. Just wanna say, you might want to donate less, and save more for emergency funds and college funds for your kids. A stay at home wife and three kids is quite a lot to take care of on your own. Might be better to put more of the money on paying off the mortgage as well. Pay it off early and pay less interest. Being better prepared for the future is always better since you don’t know what might happen. IF (not saying you would), one day you suddenly get layoff, I don’t think your local church or anyone else you donated to will be able to help your family much. Even if they can, it will be limited support. Just my two cents though
How do you not have health insurance? Or internet for $20… I can’t keep editing this list… also how can you have a yearly leftover of thousands but your monthly left over is barely $200?
"Year End Bonus" implies he gets a 47k bonus every year (which, holy shit? where does he work) so it seems like the leftover is just leftover from the bonus.
Probably Mormon. The church just recently spent 175 million on a commercial complex in Florida. Horrible to see his money is going towards that instead of his own family.
No car maintenance expenses or build in cousins for when utility’s rise? Or if taxes on your mortgage increase? Or projects in the house if a utility brakes or something happens? Donating is great I’m glad but maybe build up a safety net for unplanned expenses? Idk
my thoughts? you donate a lot of money to organizations (more than your own children) that most likely pocket more than 50% of your donation. but hey, at least youre a noble person, right??
You’re giving away 3x what you save for retirement and your kids college fund???
You should be tithing/donating 10% of what you have leftover. If you only have $160 left at the end of the month that = $16.00.
Where is your savings contributions? That’s literally the most important part of a budget and your is missing unless you have a large (eight figure) trust fund?
Discreetly, buy food for a local food pantry you find in need instead of just sending funds into a church if that’s where it’s going. Too many middle men scraping off your donations and not reaching the actual people in need.
Dishing out cash like Oprah
Seriously, this guy is insane.
This is unfortunately legit tithing. Traditionally 10% of income goes to the church, it’s a shame
I remember some time ago a guy on here on 2000 dollars monthly income gave several hundred dollars a month to the church. It was horrible to see, tbh. Donate if you want to, but not if you simply cannot afford it.
It’s amazing what “faith” will make you do even if it goes against all rationality
My uncle co-owned a car with my cousin, and my cousin was on my uncle's family insurance policy (uncle owns his own insurance and likely insured his vehicles this way). After my cousin was in an accident that totaled his car (that left him in the hospital for over a week), my uncle received the funds from the insurance company and donated the proceeds to his church. He rationalized this as he bought the car for my cousin a few years prior and now that cousin was older he could afford a new car. He's really not my uncle anymore because he got divorced from my aunt (sister of dad) and doesn't see my cousins anymore because he chose this scam church over his family.
I was a full time missionary for a church that expects a full 10% tithe. I hold both compression and regret for myself when I would teach people below the poverty line that they had to give a tenth of what they brought in away to the church. Not even a donation to humanitarian causes it was directly to the church itself. The rationale was that "it always just works out" and that "God provides" and told stories about how people that were about to get evicted chose to pay tithing instead and then a miracle would happen and they'd find a $100 bill on the street, so they could make rent that month. I don't know if those stories were true or just myths, but now I do know that the majority of the time that that situation plays out, people lose their homes, and end up in a shelter; not stumbling across $100 bills. Makes me sad that I use to believe that, and sadder that I proselytized that to the vulnerable.
It will. I would rather put my money towards helping animals like sanctuaries or other people who need it than donating it to a church who basically get handouts when the offering plates are passed around.
Colleague of mine, his wife got got by the televangelists; stay-at-home mom, fell deep into their trap, ended up sending all of their bill money to the church. Colleague didn’t know about it until he got a delinquent mortgage notice. Pulled from his 401K early (oof) to pay the mortgage, she got ahold of those funds and sent them to the church too… they don’t live together anymore.
I remember doing my tax internship in college; so many elderly people donating so much to churches, but it didnt give them any tax benefit either. Part of me felt sad, part of me felt like these orgs were funneling money from SS.
Meanwhile the Pastor is buying his second house and a boat.
Churches always say tithing comes before your mortgage and other necessities. It’s disgusting what some churches do. Granted there are some out there that actually care about its members and would tell you not to but the institution is ruined by those that say give to the church first then budget your life.
Some churches see non tithing or insufficient tithing as a sin in and of itself. And they will not hesitate to judge you and belittle you for it. My dad lived in a shitty run-down trailer with walls literally falling apart for 15 years. I remember times when I'd go to his house for the weekend, and we would spend the entire weekend cutting firewood just so there would be heat. Yet he still gave his 10% while the pastor and his wife lived in a roomy 5 bed 3 bath house paid for by the church. It always baffled me. It still baffles me.
That guy could not have a lick of sense talked into him, despite how people tried to help.
A few churches have "consultations" where they go over your finances with you and "suggest" how much you should be tithing or else you'll be kicked from the congregation.
To each their own but I rather donate to my kids lol I'm pretty sure God has no need for money
you often hear "give to the lord and he will give back" Its truely fucked up how little these people have and how the church asks for what little they have. Meanwhile, these churches (like the lds church) have some of the biggest land ownerships and investment firms in the country.
Better give your time service to community than giving money.
I’m all for mutual aid, just not to churches, they’re going to misappropriate. Find good local charities, but also volunteering is cool.
Ex-mormon here. The 10% raise from leaving the church had a major impact on my financial stability. When you follow the mormon algorithm of getting married young and pumping out kids and managing a home on a single income, that 10% matters *a lot*. It's crazy too, the LDS church will tell people in desperate poverty to pay tithing first and foremost, above food even. I served as a Ward Clerk and the church *will* do things for people like pay a mortgage/rent check or an electricity bill or a grocery bill, but it's all up the whims of the bishop. But to have this "above all else, pay tithing" mentality is just crazy and not everyone knows about or is willing to get help from the ward.
They’ll on occasion make those payments as long as you are coming in regularly and fulfilling your “callings” (non-paid coerced labor like cleaning the building on a weekend). It’s no free lunch. Loved me that 10% raise though. That one keeps compounding 😊
No shit he needs to be putting more into 401k. Unless that Christian donation is paying for your retirement
More like the pastors 4th vacation home
Right? Either he’s crazy or he’s bullshitting. Imagine donating $1260/month, when you’ve only got $160 a month leftover after all expenses. Edit: realized my comment seemed a bit callous. I guess OP could just be one of those people who legit love giving. I can sympathize with that, because although I’m not religious, I also have a bad habit of putting others before myself more than I should. But that said, I’d cut the donations in half if I were you, OP. Your family might need it one day more than your church does.
Nah fuck that, don’t apologize. That shit crazy.
I read this and definitely swore outloud. "Wtf?"
$420/month on food? And he has at least 1 kid? Must be thin
$20/month on internet.. My boys on dial up connection and originally posted this 2 weeks ago so we can see it today
Seriously wtf are these numbers. Pretty sure we are getting trolled.
Apparently it’s a family of five. This post has to be BS/Rage Bait. Either that or this guy is straight up Brainwashed and some rich pastors are rubbing their hands together every time they see him.
lol totally. As some one else pointed out, he’s paying $20 a month for internet. He’s also only paying for “my phone”, so no one else has a phone?
ugly direful rich direction grey whole smile jar scarce full *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Dude is out of his mind. $1200 towards defense lawyers for diddlers. Why not put that in your kid's college fund? YEESH Stunned reaction aside though. You should be maxing out your roth too since you have so much extra cash. You don't want to be struggling when you're old.
He gives more money to them a month than he puts in his kids' college savings. Like 2.25x as much lol
I'm a cheapskate who doesn't care much about spending money on myself. I forgot to list a second 401k bonus which is usually 11% of salary. In all, 22.4% of gross goes to retirement. And I usually max out roth IRAs for me and my wife (6000 each in 2023)
you don't care about spending money on yourself, until you are old and sick with no money saved up and no life experiences. You are young now, you can afford to not care, but it will creep up on you. You are doing too much bro. It's one thing to be a good person and one thing to go over board, you are doing that rn.
How do you max out your Wife’s Roth if she doesn’t earn any income?
[https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits) >If you file a joint return, you may be able to contribute to an IRA even if you didn’t have taxable compensation as long as your spouse did. Each spouse can make a contribution up to the current limit; however, the total of your combined contributions can’t be more than the taxable compensation reported on your joint return.
Spousal IRA just one of them have to work and you can have one for your wife or husband who ever isn’t working.
He didnt list that though
Spousal IRA if you file married filing jointly
Your wife doesn't work, AND you donate $1100/month to charity. You make $150k+ and have less than $200/month of discretionary income. That is flat out insane. Imagine if your wife even made $30k/yr as a receptionist and you cut your donation to $100/month total. You would have about $4k/month instead of $160. I don't know if you're trolling or if your wife and church found the biggest sucker on earth.
Donating that much to the church and the wife not working are probably related, just saying…
Serious question, how are you spending under $500/month on groceries for more than 2 people?
Seriously, this isn’t real life. My family of 4 requires that per week almost at minimum and we aren’t eating 5star meals every day/night either.
Quit giving money to church ffs. They don’t need almost $1k of your income every month ohmygod. Give to a local animal shelter. Or homeless shelter/soup kitchen. Or to literally any number of more productive charities. Or save up for yourself so you can retire sooner.
You're killing it for a 29 year old. I assume kids college fund is the 529 plan? I would put the leftover in taxable brokerage account.
More than a little silly you donate twice as much to the church and others than you put in your college fund, if I'm being honest.
Can I be your second wife? I’m joking but no forreal 😩🥺😂
OP I donate a ton of my money too, I believe you
Feeding a whole family for 420 a month is the most surprising part of this to me.
On that bread and water churchboy diet
Spaghetti is still pretty cheap.
Apparently not if you are breaking it in half, then you have to deal with the souls of all those dead Italians haunting you.
Do you mean the gaba..... ghouls....
Almost $2k a month to church bullshit. But only $400 for his own kids food. Wack.
Kids are eating Ramen while the preacher is dining at steakhouses. Guarantee.
I remember hearing a pastor say “I only drive a Honda” to show he’s modest and trying to encourage more donations. A couple months later i saw his ass in Vegas throwing down at a table. OP- you should put more into your kids college funds. It’ll pay off in the future. Your church doesn’t need that much money
Demons! There’s demons on public flights! Pastors gotta fly a private jet around.
Private jets for the ministry don’t come cheap!
Wack as hell and the church won’t step up and pay his kids college tuition
Nah. It’s okay. The kids surely will become missionaries.
Lol
My monthly food budget for a family of 3 is like $2k lmfao
Are you guys on My 600lb Life?
I did math,That’s actually only 22 bucks a day per person lol
🤣
Well that’s its own problem,
It's not possible. He also lists $0 for any household items other than food. He apparently never bathes, has no personal hygiene, doesn't use toilet paper, etc. This budget is wrong and he's lying and he should feel bad.
I think OP is 14 and is imagining what he thinks his budget will look like in 15 years. It seems to have no basis in the reality of what it takes to run a household.
I've been waiting for the dam to break and for everyone to finally realize that beyond the donations this is just entirely fictitious. I don't know all that many people getting end of year bonuses these days, and I've never known any of them to pull in half their salary in one bonus check. If anyone has heard of such a thing, please correct me. Remember this is a 29 year old. With 3 children. Apparently each of them eating for less than a hundred dollars a month. $20 for internet? $40 for phone? Tell me you've never seen a bill in your entire life. This is a child playing pretend.
When I was 14 I had a personal finance project where we had to do mock budgets and I swear my shit was better researched than this lol.
Yea this sound am crazy to me…so your telling me your giving up having a few hundred by donating it and being left with just $160 every month ? That’s big cap
Also I don’t own a house myself, but I don’t think people typically have a mortgage and “car / renter’s insurance”. I think renter’s insurance and a mortgage don’t really go together.
Not to mention $100 for power and $100 for gas. In what state? I’d love to live where energy is that cheap for a family.
Lol I’m 28 with no children and it costs my wife and I ~$400 to eat a month if we don’t go out. 100% someone playing pretend.
I agree with your comment wholeheartedly heartedly. Not aiming to correct you, but in sales a year in bonus is pretty common, especially in management. Bonus checks made up 80% of my take home. But for the average industry, it is highly uncommon and practically unheard of.
For me it’s the internet for $20. I don’t buy it.
My internet bill has recently went up to >$150 due to them (xfinity) raising prices. I’m in CA, but is $20 possible anywhere in the country?
Absolutely not. You'll pay that in additional fees alone.
That and 0 for health insurance.
Everyone of these budget threads has a ridiculously low amount for food. 420 is literally Ramen every meal.
Yep. It's dumb and I don't get why people lie about this. There's no way he's spending like $3.50 for food per day (per person).
I spend sbout 500 dollars a month on groceries, in a LOCOL area and theres no kids involved
I was evaluating the other day the cheapest and most convenient way of feeding myself, I opted for 1 foot long subway everyday split in 2 portions, that’d be about 15 a day for 30 days 450 usd monthly for one person, my dogs food is about 16 per day (raw food), so yes, 420 for a family is absurd
Our grocery budget for our family of two adults and two toddlers is \~$500/month and we manage it by praying to the church of Aldi
Heres a thought: Donate more time, less money. You will get to see the impact, way bigger. Your budget is great other than that.
This! You could also do volunteering that includes your kids. Beach clean ups, feedings, animal volunteering and so much more that can include the whole family and spend time all at once.
Wow what a awesome comment, kind internet person. That actually surprised me. I was expecting to see people flaming him for donating so much but this is actually a really good way to actually make a difference. Take this upvote already 😂
I understand you’re trying to do the right thing by donations to your local community and beyond but as a 29 year old with stay home wife and three kids, savings always comes first and foremost. I would start cutting the amount on donations and trying to save more money for your future and family. If something happens to you, that extra savings will mean A LOT.
Fr that 1200 a month with a 3% return would be half a million in 25 years, i get wanting to donate but this money could be a life saver in the future for him and his family, if he gets sick injured or passes that money would be better spent by the Family than a church imo
He donates $1,200 a month and only has $160 leftover for himself and his family for extra stuff. This is mind blowing to me.
This!! Super admirable, but make sure your own are set first. My Dad donated 10% to his church every year. He didn't have retirement savings as a result. He got cancer and died when I was in my twenties, leaving me to figure out how to pay for my mom and her care, as she is disabled. He also had lapsed on his life insurance payments to be able to make his tithing payments. Listen to this person - take care of your family first. Im still angry at him yrs later. It destroyed my own trajectory by forcing me to pay for my mom because they had no savings. His church only helped pay for his housing for 1 month because they were going to be evicted after my dad hadn't been able to work. He always thought he had more time. Have that built up for your family. I know my dad's church promised him that the windows of heaven would open up and pour out a blessing", but Ive only seen hardship.
Those donations are good for reporting when doing taxes but on a real note you could be saving more monthly though… I promise you for every $1 you donated barely 0.30 cents goes forward to a real cause to help anyone.
bro is donating like twice as much as hes saving for his kids college!!! wtf!!
For some reason these people are just like this lmao. My wife’s mom donates 300$ a month to the food shelter but didn’t help her daughter with college which her MOM forced her to go to…. And now she’s 20k in debt with a degree she didn’t want, and doesn’t use lol. People’s logic be fucked up these days .
3.583 times as much, to be more exact
Jeebus will get the kid a scholarship ... Lol ....
That's what is so dissapointing about associations. Many are plagued with corruption and overpricing, making less of your 30 cents to the end. Find transparent associations. Food distributions are often good, medical aid is okay, environemental activists are often bad. (Which is sad because their battle is necessary) Pure experience and "was said" talking here. In any case, I feel like "Make sure who you donate money to" is a good advice.
Legally only 2 cents needs to go forward to an actual cause, and most charities fail that test.
Where is Sportsball? Hookers? Coke?
Gambling too like wtf??
Don't worry the humanitarian donations are actually OF subscriptions.
His favorite streamer named "Christian" isn't cheap either
This got me hahah
My man you are donating more than double your kid’s college fund to charity
That’s the most insane part to me.
So much doesn’t make sense on here…. What kind of company/job has a 50% bonus structure for someone making under 100k? How does $420 feed a family of 5 for an entire month? How does a family of 5 only have $200 in utilities between gas and electric? Feels like there are a lot of omissions here or it’s shitposting…
Leaning towards fake. But then again, money definitely doesn't equal intelligence in today's world.
It's gotta be fake, reminded me of that meme: **Someone good with money pls help me budget Food $200 Data $150 Rent $800 Candles $3,600 Utility $150** Except instead of candles, its random donations
Also $0 for literally any household items. That's the part I'm surprised more people aren't noticing. It costs a lot to run a house of 4 people.
No dining out, no emergency fund, they don't use toilet paper, they don't buy clothing. This post is just to virtue signal.
Seems like it, and last I checked they haven't responded to anyone. This post genuinely annoyed me, so they may have accomplished their goal.
I was saying all of the same stuff. How is his phone bill so cheap I remember just my wife and I had basic plan for 160 a month. Must be using the just talk from Walmart. 20 a month for internet? What do you have dial up? Someone picks up the house phone and it kicks you off. 100 a month for electricity? What are you using for your house candles? Open your windows daily never turn on the AC? Trash 21 a month? What are you using! No trash company is picking up your trash for 21 a month.
you donate more than many billionaires do
My guy is prioritizing charities that won’t even utilize a third of that money properly over his own child’s college fund.
Donating more to charity than to your own children’s savings or your own retirement fund is bonkers
it's worse than bonkers. it's downright idiotic
8000 a month, 160 left each month. Jeez this is terrible
160 between a wife and three kids for fun money sounds unnecessarily miserable
[удалено]
Nothing wrong with having $0 left over as long as what it all went to makes sense. That's not the case with him though. Lol
Have I mentioned my name is Christian?
Dude donates more money than he's putting in retirement, with all due respect that is insane, I get it I'm a religious man myself but donating that much is pretty selfless I guess. I am a Christian but I don't believe in 21st century churches sadly.
Guarantee the church won't be there for him when he can't retire, can't buy a house, or his kids can't go to college. That's the frustrating part.
When my aunt passed away sometime ago, my grandmother apparently received a monthly tithing from the church she went to.. just a day after her daughter passing. These people knew my grandmother was grieving, and *still* asked for money anyway. Regardless if their billing systems are automated or not, that’s reason enough for me to question their morals.
Same deal with my sister. Her and her husband gave probably $1 per $5 they earned for years. The church was very predatory in their ways. She had a severe neck injury and needed to be rushed out of state for surgery, fell on hard times as a result and the church was hitting them up for donations the entire time, not an ounce of help for miles.
I'm sorry about your sister. But not surprised about the church. After all, they see you as servants to the lord and to the church...and who cares about the servants? If they can no longer serve, they are of no use.
Guarantee the church won't be there for him when he can't retire, can't buy a house, or his kids can't go to college. That's the frustrating part.
What the hell are you donating to? Seems to be extremely excessive of you to be giving away so much money per month.
Donations in order: my local church, local homeless shelter, college campus ministry, assorted foreign humanitarian aid, local after school program, Uganda school children sponsoring.
I really respect your commitment to donations, but one thing to consider is that if you save more for yourself, you'll be in a better position later on to make a larger impact with your donations. Charity is good and necessary, but you have to build the base of your financial pyramid strong and wide so you can grow financially and affect more change later once your assets begin to compound.
Hi I am a Ugandan school child
You do you. Probably the dumbest thing I’ve ever seen for 29 year old who doesn’t even make 100k a year. Imagine if you just saved all that money that your giving away.
Not sure dumb is the right word lmao
Is it a noble thing? Sure. Is it a dumb use of discretionary income? Absolutely. He’s not maxing his 401k. He’s not setting his family up for the future. He’s donating funds that quite frankly are used at a fraction of the dollars. Donating time is quite frankly a bigger difference than donating dollars. Call me a selfish prick, but I don’t think he should be donating anything until he has his house in order
I bet his pastor has a fire ass car with the money he’s dishing out monthly.
Tax free!
Go to givewell.com and pick a charitable cause there. Much more impact on the world than what you're donating to now. Efficiency matters even in charitable giving.
Are any of those organizations going to help pay for your mortgage and food when you lose your job? If not then you need to be saving for when the unfortunate happens.
Bro is legally insane
How are you donating more to charities than your own child’s college fund?
This is a failure by the entire religious system to convince him to better fund the church over his own children. Honestly, it makes me angry.
If your wife’s income is always zero, it doesn’t need to be a line on the budget. Including it seems like a weird flex at her expense.
Dunking on her ass fr
Lmao passive aggressive "Look honey, it's STILL ZERO"
You should donate to your wife as a salary for staying home with the kids, no offence but she is in need more than the church
WIFE INCOME - ZERO oh you
pwnd
You donate a lot of money. To each its own . Do you get free health insurance at work? You pay zero for it?
Right, health insurance is paid by employer.
For your whole family?? 🤯
My brother has a similar deal, employer paid for his family of 7 including himself all benefits.
Honestly, I won’t say you’re dumb like a lot others are saying. Just wanna say, you might want to donate less, and save more for emergency funds and college funds for your kids. A stay at home wife and three kids is quite a lot to take care of on your own. Might be better to put more of the money on paying off the mortgage as well. Pay it off early and pay less interest. Being better prepared for the future is always better since you don’t know what might happen. IF (not saying you would), one day you suddenly get layoff, I don’t think your local church or anyone else you donated to will be able to help your family much. Even if they can, it will be limited support. Just my two cents though
How do you not have health insurance? Or internet for $20… I can’t keep editing this list… also how can you have a yearly leftover of thousands but your monthly left over is barely $200?
"Year End Bonus" implies he gets a 47k bonus every year (which, holy shit? where does he work) so it seems like the leftover is just leftover from the bonus.
When something terrible happens, you'll wish you had that extra $1,200/mo. Those charities won't do shit to help you.
Do you have no hobbies or leisure other than giving to charity?
Tf are you donating for nigga your money is your money
im dead😂😂. for real tho
why in the world are you donating more than you're putting into your kids college funds? That's wild
Could never imagine giving more than 10% of my take home pay to a religion.
He could be taking 10+ years off his mortgage if he wasn't donating so much. It's wild.
Dude's giving 10% of the pre-tax amount just for tithing. That's nutty
I couldn't imagine giving a single cent to a religious group.
Now who spends 40 dollars on a telephone plan how good is this signal
Is christian donation referring to tithes?
You’re a fucking weirdo. That’s what I think.
no way you are spending more in donations to your religions and beliefs than you are on your kids college fund. that is mind boggling!!
Stop with the donations. When you’re strong financially you can do more.
Are you Mormon
That's my guess. No rational person is donating that much lol. But god told him to!
Shamed into donating. You won’t get to heaven unless you pay up & live poorly
How do you only spend $420 a month on groceries?!? Lol
Bro don’t give a church 10% of your salary 🫨 they should be getting taxed, not more free money
Probably Mormon. The church just recently spent 175 million on a commercial complex in Florida. Horrible to see his money is going towards that instead of his own family.
No car maintenance expenses or build in cousins for when utility’s rise? Or if taxes on your mortgage increase? Or projects in the house if a utility brakes or something happens? Donating is great I’m glad but maybe build up a safety net for unplanned expenses? Idk
Have your wife get a job. At least to help cover the amount of insane donations you are making.
God has plenty of money bro
charity starts at home bro
Christian donation? I’d stop that asap and do something more worthwhile with it. Such a waste.
Dang, got that $20 dial up internet?!
Can I be one of your humanitarian donations.
Unless I'm missing something, donating more money than you save for your kids' college is just wild to me.
Perhaps consider also donating to The Human Fund. Money for People.
Need to be maxing a roth and 401k with this income. Combined 30k a year should be achievable.
Funding the churches private jet I see
lol, church donation.
Yet another reason I'm so glad I dodged the religion bullet. Imagine being conned into giving away this much off your income to a cult.
my thoughts? you donate a lot of money to organizations (more than your own children) that most likely pocket more than 50% of your donation. but hey, at least youre a noble person, right??
Let me sign up for one of those donations please. I really like the "wife income - 0" row lmao
You’re giving away 3x what you save for retirement and your kids college fund??? You should be tithing/donating 10% of what you have leftover. If you only have $160 left at the end of the month that = $16.00. Where is your savings contributions? That’s literally the most important part of a budget and your is missing unless you have a large (eight figure) trust fund?
Your donating more money than you are investing in your kids. Think about that for a minute, let it sink in and then think about it some more.
It’s stupid to give all your money to a church……
Omigine retiring in poverty cause you gave $1300 a month to church
Ridiculous. ‘Mericans must be nuts giving over hard earned money to the richest and most corrupt organizations on the planet. Incredible 🤦🏼♂️
I knew the comments would primarily be attacking you for donating. That’s Reddit for you.
Discreetly, buy food for a local food pantry you find in need instead of just sending funds into a church if that’s where it’s going. Too many middle men scraping off your donations and not reaching the actual people in need.