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  • #16
    Well I learned frugality, how to live on air at times (more than once food was left on our doorstep), how to cook from scratch (although I taught myself much of how to cook, but I was used to seeing it done), I grew up in homemade or hand me down clothes and was making my own clothes from home ec on. We learned how to take care of property as our own. My mom has only ever lived in two homes that she was considered the owner of. One was being bought on land contract and when we moved away the original owner bought it back as she had improved it so much, and she is currently in her own home. So growing up we were renters. As far as I know the rent was always paid on time and when I see renters taking their good old time to pay rent or are destroying the places they live in, I don't understand that at all. Except for about 4 years of my adult life, I have always had my own home.

    My mom did not like asking for help and I think at times that was to our detriment. We were also raised with this mind set that we had to make stupendest grades in school, yet when college years came near, there was no help or guidance on that front (I didn't expect financial help from her, but guidance or even asking the guidance couselor at school for ways on getting scholarships, etc. sure would have helped which is part of why I worked my way through). Some jobs weren't good enough, but if I had told her back in 1973 that I wanted to be CEO of IBM I do think she would have rejected that as a job possiblity as making too much money always seemed to be as bad as not making enough. So I grew up with a lot of mixed messages.

    My dad flew the coop when I was in 2-3 grade and I have seen him I believe exactly twice since then, the last time when I was 17. He is still alive and I am in my 60's so you see how much he wanted to be part of the family of five kids he produced with my mother. From him I learned that your children above all else must know that you love them in word and action. That being selfish with your money money and time isn't the way to do that. My dad spent several years gambling for someone else in Las Vegas. He is an intelligent man that aways saw the grass be greener on the other side of the fence.

    We can learn so much from our parents and some of the things we learn, they don't realize that it came from them. I do know that is I had had the opportunity and inclination to get married within a year of graduating from HS, I was perfectly capable of doing all aspects of those housewife type skills as well as taking care of children, unlike most young ladies these days. When my son was dating I was starting to panic at all the young ladies that didn't know how to do a thing in the kitchen. Thankfully he got his act together and has a wonderful wife and they both cook.

    As to tithing, that was part of our growing up and while we didn't grow rich because we did it, there is a wonderful feeling to being able to help someone else out in whatever way we can. My financial giving is way down these days, but I do give in other ways that are just as helpful and appreciated.
    Last edited by Gailete; 05-16-2017, 05:34 PM.
    Gailete
    http://www.MoonwishesSewingandCrafts.com

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    • #17
      No debt, cut up credit cards if you can't pay them off in 1 month. Save. Live within your means. Be frugal. Spend money on what's important to you. Help others and be generous with yourself.

      I am teaching my DK the same thing. DK1 already knows the value of the dollar. She makes conscious spending decisions at 7. Understanding fully what it means to have to save. She also appreciates how much she has as we go volunteer at a shelter for kids and women and sees how they are so appreciative for a group party whereas she gets her own. And tons of presents and gifts. They get one.

      This is seriously something I learned a lot from my mom. How to appreciate and help those less fortunate because there are always people worse off than you.
      LivingAlmostLarge Blog

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      • #18
        Living Large - This is where the difference in age we were growing up makes. I have no clue for certain when credit cards were available to the general public, but we sure didn't have one when I was growing up. My ex and I got our first in around 1981 and I avoided using it as it had a yearly fee if you used it, so even if I thought about using it, I had to add the price of the yearly fee to the price of the item I would be considering and then of course, realize it would be too costly. Now just about everyone and their brother can have cards so kids really need to be aware of how to use them. My youngest that turns 34 in a couple of months, has been able to deal without a cred it card, as when necessary he uses his debit card.

        During the time I was married to Mr. Bigbucks, my boys got a huge lesson in how NOT to use them!
        Gailete
        http://www.MoonwishesSewingandCrafts.com

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        • #19
          Gailete I'm closer in age to your kids. My mom cut up the credit cards the day she became a single mom. And that saved us from debt. We managed. But she grew up poor so it came naturally.

          I've found a lot of people justify they aren't in "debt" but then when they start talking their like oh the car loan, student loan, then some CC debt they pay off when the bonus hits.
          LivingAlmostLarge Blog

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          • #20
            I learned savings, and then I learned investing from my mom. She would take the money she saved and continuously and systematically invest in RE, Stocks and others. This commitment and continuous process built a decent nest egg for them.

            Also, I learned from her to not panic sell in 2001.. lol. That probably saved me the most

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            • #21
              Our mom taught us all how to have a lot of fun participating in free/nearly free community events. Dad taught me how to manage money. Somehow my brothers missed/ignored what they were taught. To this day I remember my dad explaining about interest rates by standing on the deck and burning $ 5. bills!

              We all did 'chores' as part of the family but we also had opportunities to earn money by handling repetitive chores slightly ahead of our age. We followed the same formula with DSs and it seems to have worked better for DS #1, than DS # 2 who is too focussed on cars [just now]. I'm keeping my big mouth shut for now but it's a stretch!

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              • #22
                how to make money on youtube

                Originally posted by Milly View Post
                What did you learn financially from your mother?
                How are you teaching your kids (at what age?)?
                if you know plz share . read youtube given you money when upload video on youtube channel

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                • #23
                  Originally posted by TexasHusker View Post
                  I am interested in hearing more about your take on the tithe concept. While I give to my church, here is my understanding of the tithe, which is mandated in Deuteronomy 14:

                  - Is was essentially the income tax system for ancient Israel
                  - It was a commandment by God, not a suggestion.
                  - There were actually three tithes - one tithe of crops per year to support clergy(Levites) who had no crops, one tithe every year to fund all of the Hebrew holidays and celebrations, and one tithe every third year to support local clergy, orphans, widows, etc. So the total to be given was 23.3 percent per year.
                  - Each tithe was 10 percent of crops or livestock - what the land produced.
                  - If it was too burdensome for you to cart the tithes to Jerusalem, you could convert it to currency.

                  I am always interested to know how we took this system and shoehorned it into the Christian faith.

                  I could be way off from my study so feel free to help me out.

                  I guess the first thing I'd say is that tithing is a nonessential subject not a non-negotiable in regards to unity in the Christian faith. In other words it's not a salvation issue. Modern tithing or giving 10% has become somewhat of a standard in my evangelical churches namely Baptists, Methodists, Presbyterians, Assembly of God, etc. It is less prevalent amongst Lutherans, Anglicans, Catholics, Orthodox, etc.

                  That said, there's at least two camps on the subject of tithing. And at least two or three subdivisions in each of those camps.

                  The first camp are those who believe that tithing is still in effect and applicable to the Church (and Christians) today. The tithe is typically either A) seen as a symbol/goal or B) a set in stone commandment - 10% is the minimum, or C) a set in stone commandment of mandatory 10% with blessings or curses associated with tithing or not tithing. Common passages people reference in this camp are:

                  *Leviticus 27:30, Numbers 18:26; 2 Chronicles 31:5 (Tithe belongs to God)

                  *Deuteronomy 14:28-29 (Tithe every 3 years to widows, orphans, and foreigners)

                  *Malachi 3:8-12 (Not tithing is robbing God, blessings for those who tithe, curse for those who don’t.)

                  *1 Corinthians 16:2 (Giving the first of the week)

                  *Luke 11:42 & Matthew 23:23 (Pharisees tithing but neglecting justice, mercy, & faithfulness)

                  People in this camp believe that the tithe applies to Christians today. A tithe is owed to God.

                  ----------------------

                  The second camp are those who believe that tithing is an Old Testament teaching that was given specifically to Israel. Some people in this camp believe A) that Christians should strive to give a lot more than 10%, B) that Christians are not bound by a set percentage, or C) Christians don’t have to give anything at all.

                  *Mark 12:41-44 (Widow's mite - she gave sacrificially)

                  *Luke 11:42 & Matthew 23:23 (Pharisees tithing but neglecting justice, mercy, & faithfulness)

                  *1 Corinthians 16:2 (Giving is to be in "keeping with income" or proportionate to income)

                  *2 Corinthians 9:7 (Give cheerfully, not under compulsion)

                  *Acts 2 and 4: (Christians sold stuff as needed and there was no need amongst those who believed)

                  *Acts 15 (Council in Jerusalem & Letter to Gentiles which omits tithing)

                  *People in this camp would argue that the passages in the Old Testament were given specifically to Israel. Also, they'd point out that the passages in the New Testament point to generous giving. They’d further say that nowhere in the Bible is it found where Jesus, the Apostles, or any New Testament writers gave tithing as a command specifically to Christians.

                  *Instead, people in this camp believe that giving a gift or offering is best done freely.

                  *People in this camp would often say all the passages relating to tithing were given to Israel under the Old Covenant. The tithe is not part of the New Covenant.

                  ----------------------

                  Regardless, I think Christians in both camps would agree that we should give cheerfully and sacrificially to God's work of spreading the Good News.

                  We land in our family more in the 2nd camp. We believe in our family in cheerful, sacrificial giving as an act of worship. Sometimes that means 10%, sometimes more than 10%, and sometime less than 10%.

                  My mother/father always said “God will never love you more for how much you give. God will also not love you less for how much you give.”

                  The teaching on modern tithing is a neat formulate that gives people a number and doesn't factor in the Holy Spirit in many instances. My 2 cents.
                  Last edited by Eagle; 05-26-2017, 12:25 PM.
                  ~ Eagle

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                  • #24
                    Originally posted by Milly View Post
                    What did you learn financially from your mother?
                    How are you teaching your kids (at what age?)?
                    My mother was the number cruncher in the family. She taught all of us kids to budget and use Excel spreadsheets to track our expenses. My parents gave us three envelopes growing up: Save, Give, Spend. I learned the value of saving money from her. I learned the value of buying quality too. I also learned about being generous to others.

                    We didn't have much wiggle room in the budget but we saved for fun vacations growing up. Went to Disney 3 times before I was on my own for example.

                    I learned from her not to panic when the markets were down. To save a bit each month towards retirement.

                    My kids are young we're just now starting to teach them about money and saving habits. We started a couple weeks ago a "commission chart" and it's a work in progress.

                    I hope we do as good a job as my parents.
                    ~ Eagle

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                    • #25
                      My kids are young we're just now starting to teach them about money and saving habits. We started a couple weeks ago a "commission chart" and it's a work in progress.

                      I hope we do as good a job as my parents.
                      LOVE< LOVE< LOVE to hear about parents taking sensible steps in raising their kids!
                      Gailete
                      http://www.MoonwishesSewingandCrafts.com

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                      • #26
                        when I was little I would go grocery shopping with my mom and she would explain how to save money and look at prices.

                        As for my kids, i give them a certain amount of allowance and would tell them to save up if they want to buy something. i let them budget their allowance

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                        • #27
                          turns out that all my talking about money has rubbed off on my DKs. They ask what things cost and debate buying this or that. They realized the idea of saving for something they really want. And surprisingly they even understand at 7 and 4 the concept of eating out.

                          Now my DH has a lot of his parents traits and his favorite words are we're not millionaires. I jab him in the side and say yes we can afford it but we choose not to. And we've got the money to do so. I doubt he'll ever change after all he is his parent's son. and they'll die with their millions in the bank.
                          LivingAlmostLarge Blog

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