IzUFaReel

re: Isn't player execution coaching ?

Posted by IzUFaReel on 10/7/12 at 6:47 pm to tigahbait62

quote:
3rd and Alleman.

Better than 3rd and Wing. No disrespect to Baton Rouge's most famous Aussie.

re: This team doesn't seem to enjoy themselves

Posted by IzUFaReel on 10/7/12 at 6:45 pm to 5Alive

quote:
But wait TM7 and his antics are to thuggish for the fans

Ya know, I wonder about that. Where is the line drawn between "thug/selfish" and "doesn't care?"

re: Show up on Saturday Night and give it your all. If any LSU team

Posted by IzUFaReel on 10/7/12 at 6:40 pm to Jim Rockford

quote:
TS is not the place to vent dissatisfaction. That's what the Rant is for.

THIS!

re: Money Management

Posted by IzUFaReel on 10/7/12 at 6:30 pm to ZereauxSum

quote:
Are you increasing your credit card balances right now despite sending $200/month?

Credit cards are up and down for me. I'll work the balance down, the need to spend and it goes back up. One of which is my mother's card. She took care of my moving expenses recently, and I'm paying that now. The other two cards have a total limit of 600 (300 each), so I should be able to zero those out within the next two months and just put about 30 a month on them to keep them running.

quote:
Or is it possible that your habits/misc spending are higher than you think?

Misc. spending is likely where the trouble comes. I'll have that 500 left and the unexpected expenses become more than what I budget for in misc. Of course, 250 per check is not a whole lot to play with having four kids.

Thank you, ZereauxSum! This guidance is vital to me. I appreciate the effort and I will be working on the things you've mentioned.

re: Money Management

Posted by IzUFaReel on 10/7/12 at 6:19 pm to Ric Flair

quote:
Quit. Save $85/month.

I'm working on it. I really wanna be done with dipping.

quote:
fiancée business expenses--$200/month

Our finances are combined, and her business turns a great profit. She is a painting instructor. Fairly new business, so it's inconsistent income.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 9:40 pm to slim thug

I pray that He does bless my finances, in His time, not mine. And, if it is His will, not mine.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 9:36 pm to Lou

God unconditionally loves us all and protects us all, Slim. It is my choice to tithe and give to others to honor Him.

Lou, thank you very much for the link! Between that info., the book, and suggestions here, I think I've got some good ammo to get on the right track.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 9:30 pm to I Love Bama

Thank you so much!

re: Money Management

Posted by IzUFaReel on 10/6/12 at 9:24 pm to I Love Bama

You're the goods, Bama. Even if you root for the wrong team! Hahahaha. Had to get that one in there.

Thanks for the link. Can I get it on my Kindle?

I'm praying for God to shower you with blessings, my friend.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 9:12 pm to I Love Bama

Bama, I know I sound REALLY hardheaded, but putting my tithes on hold is not an option. If I have to keep living check-to-check and one expense away from financial meltdown, then so be it. God will provide for what I need.

As for Ramsey, I'll definitely start reading his stuff. Y'all have convinced me that I can really benefit from it.

Sincere thanks!

re: Money Management

Posted by IzUFaReel on 10/6/12 at 8:58 pm to foshizzle

It's OK. He can ridicule. I expected some of this when I originally posted the topic.

God bless him.

As for those who made well intentioned suggestions on cutting back on my tithes, I do appreciate the suggestion. My belief is that I'm not giving enough, though. I want to give more to tithes and more to help others. It's one of the primary reasons I want to manage my finances better. I want to give more and let God take care of the rest.

I do appreciate the insight many of you have given, and that's what is important to me.

I see a number of wise suggestions here I can take into account.

Like I said, I'm bad at money management. But, I truly want to fix that.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 1:35 pm to TheHiddenFlask

quote:
TITHES 400

I disagree. And, if that's the difference in my saving money and going broke, then poverty isn't so bad.

I'm open to other suggestions, though.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 10:39 am to Ric Flair

quote:
Sounds like you're the perfect candidate for the Dave Ramsey plan.

Perhaps. But, if I'm being honest, the problem with that problem is...me. I am just not good with handling my money. Straight up.

re: Money Management

Posted by IzUFaReel on 10/6/12 at 10:37 am to trillhog

quote:
hire a money manager. they pay your bills and give you an allowance.

Where can I find someone to manage my personal money? That's essentially what I feel I need, at least in the short-term.

Costs?

re: Money Management

Posted by IzUFaReel on 10/6/12 at 10:34 am to trillhog

Sorry, guys. Had password issues yesterday.

My breakdown is as follows:

RENT 1100
Habits 85
CHILD SUPPORT 400
CAR NOTE 330
Gas (in-home natural gas) 30
Electric 150
Mobile Phones 130
AUTO INSURANCE 190
Cable/Internet 125
Credit Cards (3) 200 approx./month
Personal Loan 190
Water/Garbage/Sewerage 80

Fuel (for cars) 300
Auto Maintenance 50-100
HEALTH/GROOMING/WELL-BEING 50
Fiancee's BUSINESS SUPPLIES/EXPENSES 200
UNKNOWN/MISC. 150
GROCERIES/Food/Household 350
KIDS 100
TITHES 400
SPECIAL SPENDING (Holidays, Birthday, Wedding, etc..) 300

ZereauxSum, that 65K is annual take-home.

re: Money Management

Posted by IzUFaReel on 10/5/12 at 3:59 pm to saderade

quote:
What is the breakdown on the 3k fixed bills?

I'll be home in about an hour. I'll post that when I get there.

re: Money Management

Posted by IzUFaReel on 10/5/12 at 3:55 pm to Swifty

quote:
save a cushion of cash that will allow you to live for 4-6 months if you lose your job

So, save first, then pay down debt. Would that suggest to pay absolute minimums monthly until I get the savings up?

re: Money Management

Posted by IzUFaReel on 10/5/12 at 3:53 pm to OnTheBrink

quote:
What is the etc. that you are speaking of?

Let's see...car note, personal loan, credit cards, kids' activities...that's the bulk of the etc...

re: Money Management

Posted by IzUFaReel on 10/5/12 at 3:51 pm to TigerintheNO

quote:
are those #s for a month or a year?

65K/year, 3K/month in fixed bills.

re: Money Management

Posted by IzUFaReel on 10/5/12 at 3:49 pm to Swifty

quote:
It's just meant to say "duck", as it watch out for all of the negative posts... but I guess this isn't the OT so he should be fine.

Right, male mallard = greenhead.

I was already on guard. Thought you were coming with a sarcastic photo. :lol:

It's all good. I expected negativity, and it still may come. But, I'm not worried about people typing words on a forum against me. Just trying to solve a problem I have with the help of good folks like yourself and ZereauxSum.

Thanks for the tips. I can definitely take some of that advice. In the end, I just want for my family to be "comfortable." I have no interest in being rich. I just want to be able to fix the car if it breaks down, splurge on the kids once in a great while, take the lady somewhere nice on occasion.

I appreciate the DUCK advice as well! hahahaha