Where is all my money going?

EssexHebridean

sweetpea26 wrote: »

Why are Christians attacked for their beliefs. I've not seen anyone attacking the OP for choosing to be a christian,
There is nothing wrong in suggesting that she does not pay this but to continue knocking her down for what she believes in is not acceptable. I've not seen anyone doing that, either... If this family were not Christian and were making donations to their 'faith' would there be as much said. If they were in debt,
then yes, of course - you may wish to read some other threads on here where people maintain charitable donations when they can not afford it - you'll see that this is standard advice.

This family need constructive comments such as the amount spent on clothing per year etc. That should be actually cut down to zero for a while and so could costly entertainment. All of which has been covered by various posters on the thread, although cutting clothing to zero is not generally what would be advised, insteaad we say "essentials only" - holey (not holy) undies aren't a good look for anyone...

Reduce food spends, downgrade all that can be downgraded, sky tv, mobile phones, wait 6 weeks for a haircut ... etc. spend nowt on Amazon !!! husband needs to wise up and stop wasting money. We all have done it. A pound here, £5 pound there. Until that actually hits home there will be no change in their attitude to money and no progress in reducing this debt.

I agree that you must please see if you can find a balance transfer to pay off these needless purchases that you are paying an extortionate rate for. Apply your faith to buy essentials only and when you have the money to do so.





Just leave their faith out of it. With respec they have been silly with what God has provided them with and hopefully this will sink in eventually.

I find it entertaining that you say leave their faith out of it and then go on to do anything but! Faith is a great path if that is what you choose to follow, but sadly it doesn't pay the bills, money management and budgeting does that. I imagine that the OP would not have posted on a Debt Advice forum had she not wanted some advice on a way forwards. Those of us who give our time to advise on here would be failing if we did not do so truthfully - at the moment the sum being paid to the church is contributing to the OP's situation, we can't not point this out!

Windofchange

Vincygirl wrote: »

I need to wake up from my slumber and find out where our money in disappearing to.

Parents £200 a month
Church £260 a month

Then you put £225 a month into savings. That's great and all, but would that money be better off paying debt?

Stop those three things, put it towards your debts and you'll be free within two years.

Now, maybe your parents are in dire straights so you need to support them, but if this is some money for them to go out to dinner a few times a month in the local Spanish tapas restaurant, then I'd tell them it's stopping.

As for the church. Jeez. I guess it's something you have to do. It's not for me to tell you what you should and shouldn't believe, but that is a lot of cash. I used to put a pound in the collection tin at Sunday school!

Reminds me of a comedian - Every xmas I prayed to Jesus for a new bike and it never came. And then I realised god doesn't work that way so I stole one and prayed for forgiveness...

Carrying on as you are you aren't going anywhere. Scrap the £700 or so a month of frivolous spending and pray for forgiveness?

EssexHebridean

Windofchange read back on the OP's posts on this thread - the money to parents is seemingly a bit of an essential at the moment.

tempus_fugit

Windofchange wrote: »

Reminds me of a comedian - Every xmas I prayed to Jesus for a new bike and it never came. And then I realised god doesn't work that way so I stole one and prayed for forgiveness...

Dave Allen?

vaper

I feel that you could realistically stop the payments to the church for a while, after all you are doing a really good deed by providing a roof over someone's head. That is a very Christian thing to do in my opinion.
Charity begins at home I believe and it should only be splashed about when you are in a better position to do so.

fatbelly

tempus_fugit wrote: »

Dave Allen?

Emo Philips claims it.

La_escocesa

Hi OP

Dave Ramsey suggests a 10% tithe
“A tenth of the produce of the land, whether grain or fruit, is the Lord’s, and is holy.”

https://www.daveramsey.com/blog/daves-advice-on-tithing-and-giving

fatbelly

La_escocesa wrote: »

Hi OP

Dave Ramsey suggests a 10% tithe
“A tenth of the produce of the land, whether grain or fruit, is the Lord’s, and is holy.”

https://www.daveramsey.com/blog/daves-advice-on-tithing-and-giving

How very Old Testament

And predictably he quotes Malachi 3. Usually interpreted to mean the more you give God, the more he gives back.

La_escocesa

Yes, exactly that, fatbelly.

I got confused earlier and thought the OP was saying she tithes 20% of her income so I was saying that I thought the 'going rate' was 10%.

Windofchange

EssexHebridean wrote: »

Windofchange read back on the OP's posts on this thread - the money to parents is seemingly a bit of an essential at the moment.

Ok, so they are paying the rent for the husband's parents. Would this not count as a tithe? Seems they are doing a charitable thing by putting a roof over someone's head. I'd do the same should my parents ever need it, but I sure as heck wouldn't then be giving £260 a month ontop to the church!

The lord sure doth seem to do a lot more taking away than giving in this particular case!