Comments on: This & That: A Whole Lotta Stuff

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By: Lydia

Lydia — Tue, 16 Feb 2010 07:03:51 +0000

@ Geoff and @ Ann:
Just wanted to comment on the posts regarding children living with their parents until they are married/older.
This is quite common in European countries as it can be very expensive to move out on ones own and the idea of taking on a massive debt load hasn’t quite permeated the culture the way it has in North America. I don’t think it is fair to say that a person is not accomplished if they haven’t moved out of their parents homes. Especially when there are many people who have moved out of their parents homes and have nothing to show for it but debt.
While I don’t believe that young people should leach off of their parents (they should pay a portion of the bills/rent once they have graduated), I also think that remaining at home can help a young person get a good start on life in the real world.
Financial education should start when a child is young so that they have time to learn, make mistakes and grow. Kicking them out at 17 isn’t necessarily the best option financially or emotionally either. Consider the costs for a student living at home during college paying rent/bills vs. that of a student halfway across the country with rent/bills as well as expensive transport to go home for the holidays. Then consider also the emotional toll it can have on the parents/child to be so far away from one another. This can be exacerbated during holiday seasons (Thanksgiving, Christmas, Easter etc) if funds are not available for a ticket home.
Staying with your parents is a really good option for a lot of people.

By: Gail Says...

Gail Says... — Sat, 13 Feb 2010 11:59:51 +0000

SQ: You’re right about what goes in the jars except you also have to include maintenance. Monthly car payments fall under “fixed expenses” so they don’t go in the jars at all… the jars just cover variable expenses. While maintenance is a planned spending category, it still can be managed in the jars (or you can do it in your bank account). I save “planned spending” for things that you’re saving up to do like take a vacation, buy a new couch, and the like. Hope that helps.

By: Saver Queen

Saver Queen — Sat, 13 Feb 2010 02:24:24 +0000

I can’t believe someone suggested you change your accent! Yeesh.

I do have one question related to the very first q&a poised above. I had thought that “transportation” costs in the jars were only to include gas, parking, toll fees and tickets. I had thought that monthly car payments went to debt repayment and savings for car repairs would fall under a planned spending category. I know we had discussed this at an earlier entry… can you please clarify? Thanks!

By: Rhiannon

Rhiannon — Fri, 12 Feb 2010 15:06:43 +0000

For G:

I found a website that details what you need to become a credit counsellor in Canada, including education, experience, and on-the-job training. Here’s the link:

http://familyservicethamesvalley.com/credit_counselling/becoming.html

I hope you find this useful.

By: Maureen

Maureen — Thu, 11 Feb 2010 17:00:03 +0000

@Geoff: I really like your statement about divorce – that you would rather give every penny to your wife and son before you gave it to a lawyer. I just wish that many others would feel the same. We have 3 friends who went through divorce – very bitter and very, very vicious and none were because of infidelity for which I must say I could propbably hop onto the bitter and vicious bandwagon – and in all cases I could not believe the lawyers bills! No one won. In one case my friend’s inheritance of long held family property actually went to her husband. Still haven’t grasped that one.

Often there is a lot of publicity when celebrities divorce and they just destroy each other in the media. Paul MacCartney behaved horribly towards the mother of his child. Really tacky. Neil Diamond was divorced by his wife and she received one of the largest settlements ever. When questioned about this Neil said “she deserves every penny and more”. A gentleman.

By: Geoff

Geoff — Thu, 11 Feb 2010 16:47:36 +0000

@ Sandy – thanks. I’m lucky to enjoy a happy marriage but was just shocked at the sticker price. Personally I’d rather give every dollar I have to my wife and son before the lawyer’s get paid, but I think divorce causes some very irrational behavior in some people.

By: Sandy-Toronto

Sandy-Toronto — Thu, 11 Feb 2010 16:08:41 +0000

To Geoff – we did the family counselling through the EAP program, and our divorce cost $525 each. Worth a try.

By: Geoff

Geoff — Thu, 11 Feb 2010 14:08:39 +0000

Re: the updates – does a divorce really cost $60,000? NOT that I’m planning anything or something, but I was just shocked at that number.

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By: Stephanie H.

Stephanie H. — Thu, 11 Feb 2010 06:16:00 +0000

I have been watching TDDUP since it was on American Life in the US. It has been so great since it started airing again. Even though I am in great financial place it has helped me stave off the “new(or new to me) car bug”. I sat down and did the math to see how much I needed to save to make my next car affordable. My goal is to pay for half of this car cash and the follow one (10 years later) I would like to pay cash. When I put all of my numbers into the budget worksheet a couple of years ago I was pleasantly suprised that everything was within range, so now my goal is to keep it there.

By: Danny Jellis

Danny Jellis — Thu, 11 Feb 2010 05:53:35 +0000

So, … are you dating (g)?