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I have to agree about the expensive vacations with small children. When my nieces were 4 and 6 years old I took them to Disney World. I paid for the air fare, staying at a Disney property, meals, souvenirs. They're in their 30s now, and the only thing they remember is that I allowed them to eat pizza on the bed. They would have had just as much fun at a local hotel with a pool, and I would have saved a lot of money.

@gwenj5419

17 күн бұрын

I remember taking our kids on a trip to a beach city and all they wanted to do was swim in the hotel pool. We could have stayed at a hotel in our own town and done that. Lol

@tarynmaria_

17 күн бұрын

Oh my gosh - yes!!!

@allein1001

17 күн бұрын

My dad insists I've been to Disney World. I say it doesn't count if I wasn't old enough to remember. (He says I was two.)

@francoiselafferty-hancock5112

13 күн бұрын

I was 10 when I went. I remember most of it. I'm 47 now. We're waiting to take my son when he's 10.

@Imbatmn57

12 күн бұрын

I waited too late, i was 18 when i first went, all i could see were the inconveniences😂. The long lines for broken rides were really disheartening, waited 4 hrs for a ride that was five minutes long.

I agree 100% on everything but the house. We bought a modest house in 1995, and my husband got really sick and has not been able to work since 2004. We tried for a long time to get disability benefits for him, but that was denied over and over. We found out too late that our lawyer was awful, and that once you've had a disability lawyer, no other lawyer in the US will take your case. My (over 20 yrs) career was shipped to India, so I've been working manual labor jobs to support us since then, and it was a struggle but I finally managed to pay off the house. If we had chosen a house that was any more expensive than this one, I wouldn't have been able to afford the house note (and everything else) by myself, and we would have lost our home. All this to say: Never go into debt on a major purchase that you wouldn't be able to afford if something happened and you had to survive on one paycheck. There are no guarantees about what will happen tomorrow. Hope for the best, but don't place a big bet on it.

@tarynmaria_

17 күн бұрын

That is a great reminder - thank you for sharing! You do never know what is going to happen.

@defaulthuman01

16 күн бұрын

A thousand times yes! You never know what will happen with income (for either person). You can always "move up", but being saddled with an aspirational debt can be life-devastating if something happens. My folks bought thier house along the rationale described in the video. They were fortunate and the income did indeed go up for them, but that still takes *time*. The choice to 'house-up' ended up placing constraints on our childhoods that wouldn't have been present if they had bought the house they could have easily afforded at the time. We would have stepped 'down' in school district, but it would have freed up money for more extracurricular and social engagement options.

@susansweat9125

16 күн бұрын

This is an excellent reminder of why you need a disability insurance policy of your own ( and read the fine print). Soc.Security disability can be difficult to get. An individual is 6 times more likely to become disabled before age 65 than to die before 65.

@charleedell92

13 күн бұрын

Same, I became disabled at 34 just after buying a house with my husband. It's been a struggle but we have been able to keep it due to longstanding frugal habits and a lump sum but I will be forever thankful that we didn't bank on future income that isn't guaranteed.

I bought a solid oak dining table with wheat back chairs 40+ years ago, I loved them then and I love them now. I recently read that oak was out of style, and I have to say I've never had anyone sit at my table and say, "I can't eat on this table it's oak." LOL!

@mom2artists

17 күн бұрын

Oak will be back in style in 10 years, lol

@tarynmaria_

17 күн бұрын

Oak out of style?! Crazy! Your table sounds perfect.

@ybrynecho2368

17 күн бұрын

We have a wooden table as well. In the 50s the trend was those chrome and Formica sets. My dad refused to have one because he said they looked cheap. In the 50s & 60s we had an old wooden table, that was replaced in the 70s by a teak that my niece now has.

@PC-dc1kv

14 күн бұрын

I don’t care about what’s in style. If I like it, I like it and that’s ok with me. I have a round oak table that’s over 50 years old and I love it!

@ybrynecho2368

14 күн бұрын

@@PC-dc1kv As do I.

Wrong about the house. Job loss, illness, any number of issues can cause a loss of income. You never want to put the roof over your head at risk because you want to extend yourself on a more expensive house.

@tarynmaria_

10 күн бұрын

Thank you for sharing!

As a woman in her mid50’s I agree with nearly all of these especially expensive vacations with kids, cheap knives and too many work clothes. I have to agree with another commenter about house purchase though. We bought our house 26 years ago and our household income has essentially doubled in that time. Yes we likely could have extended ourselves but we haven’t had a mortgage in at least five years and we also own a second property as well, no loans. We have been able to pay off cars, take multiple expensive vacations. I never wanted to be “house poor”, that is..tie all our money up in having a house. But not everyone feels this way and that’s totally ok too. “You do you” as they say 😊

@tarynmaria_

16 күн бұрын

Thank you so much for sharing!! 😊

Totally agree about the knives. Not connected with the fact that I'm a wood carver LOL but when my husband and I were stationed in Germany I bought a very expensive Heinkle knife set and it has lasted me since 2004. They just need sharpened once in awhile and that's easy to do.

@tarynmaria_

18 күн бұрын

Yes! The BEST knives, in my opinion :)

@tracyannmahoney6482

17 күн бұрын

I've had my Henckels (Solingen, Germany) since the early nineties! I would trade them for nothing!

I completely agree about the wedding cake (I made ours as we had a small, quirky wedding 😂) and the cheap stroller 🥴 ... Thankfully I got a used (but very good condition) Maclaren toddler's pushchair from FB market for only like £20, to replace the nightmare cheap one before with its tiny, impractical wheels! I've already offered the Maclaren to my sister in law, once our nephew is big enough to not need his full-on baby pram any more.

@tarynmaria_

17 күн бұрын

What a great Facebook Marketplace find!

@francoiselafferty-hancock5112

13 күн бұрын

I got married 20 years ago. The cake in the city I lived in was going to be $1,000. Buying from my home town it was $300 and my parents brought it over. I was able to customise to exactly what I wanted and it was amazing!!! It looked way better than the city one.

I live in Florida and I can't tell you how many times I've seen parents with young children @ Disney W where the kids are screaming and the parents are too ( out of frustration). It's as if the parents are saying " I spent $$$ on this trip and you're going have fun whether you want to or not". Honestly, watching probably hundreds of families over the years, taking a child less than 3 or 4 is a complete waste of $. By that age, they'll enjoy it, but they probably won't remember it. While we're on the subject of theme parks, Universal is way more intense than Disney and I'd never take a child under 9 or 10. Taking a 3 yr old to Universal is a recipe for misery.

@tarynmaria_

15 күн бұрын

For sure! I have also seen the miserable kids at Disney - it sounds like such a fun, magical idea but...!

Happily we had a country wedding, and our cake was made by a local lady who made wedding cakes for the local brides as her gift. It was 3 layers and I purchased the topper myself. As kiddies we wore a lot of rummage sale clothes and a lot of our clothes went to the rummage sale. I do my workout using an on-line programme of chair exercises for seniors. It helps you do enough, but not over-do. Actually I did use the jewelry insurance - I lost my diamond engagement ring and was able to purchase a new one using the insurance money.

@tarynmaria_

17 күн бұрын

Thank you for sharing! That local baker sounds amazing :)

@ybrynecho2368

16 күн бұрын

@@tarynmaria_ She wasn't exactly a "local baker". She was a secretary who just happened to be great at doing cake decorating.

I agree about children’s clothes except that since we only had one, I should have bought a few really cute things while he was little. Kids quickly start choosing their clothes and I encourage that because my mother never gave me choices.

@tarynmaria_

11 күн бұрын

Thank you!

We moved from Montana but kept the house there and rented it out and paid a rental manager. Property values were steadily rising while we lived there and I knew we would never be able to move back if housing was too expensive. 23 years later we decided to sell it (we decided to retire in TN) and we made three times what we paid for it, and the rent we had charged paid off the house. So if it’s a good location that’s growing, property is a good investment.

@tarynmaria_

12 күн бұрын

Thank you for sharing!

Great ideas! I lived like the 'average' American for many years, and now have so much stuff! Like you, I bought some of it, inherited some of it, etc. and now it's time for a lot of it to go away. But I'm not as young as I used to be, so moving all these things around isn't easy. Much better to keep it from coming in before it becomes a problem! 🌺

@tarynmaria_

17 күн бұрын

For sure! Thank you for sharing! :)

If you buy couches in high end microfiber, they last for a very long time, are easy to clean and are great with animals. We bought ours 17 years ago and they look great

@tarynmaria_

12 күн бұрын

Good to know, thank you!

Oh and yes re the home! We bought a three bedroom home 18 years ago. We had no kids and we have one now. We want to stay here forever. And te stroller, we bought a good stroller. We have no car and use it for groceries as well. Our kid's getting too big for it but we still use it as so much easier yo get around! And i didn't know jewelry insurance existed but i hate jewelry anyway.

@tarynmaria_

12 күн бұрын

We used our stroller for years - I'm sure it looked crazy pushing our older child in it but we walk everywhere and needed it!

I quit buying board games. My kids loved them at other people's houses but never at home.

@tarynmaria_

17 күн бұрын

So true! We have lots of board games and barely use them too!

My worst purchases 🧐, a cheap set of kitchen knives where the price was too good to be true is up there on my list as well. A manual, hand crank, meat grinder.....get powered. Pasta maker, the ones where it is supposed to do everything....do not buy. Bought stand mixer at a big box store to save a few bucks that was awful, probably a factory reject. And an overly priced food slicer that scares me to death!

@tarynmaria_

17 күн бұрын

Good to know about the meat grinder, have been thinking of maybe getting one sometime!

@annsalty5615

17 күн бұрын

@@tarynmaria_ i love grinding beef and how it tastes compared to pre ground from the store. But even your best manual grinder is too much of a work out for two people. I will get a power one eventually.

@loisstevens-jj4cx

10 күн бұрын

​@@annsalty5615.😊

I guess I don’t totally understand the house part….why spend more if you dont have to? Less debt the better no matter if you make 30k or 300k. Saving and investing and helping others is way easier with more cash flow and less bills. I heard something like Higher mortgages only help banks and real estate agents

A flat with service charges (UK). Also a refurbished Dyson vacuum cleaner that turned out to be full of the last owner's hamster droppings and sawdust!

One thing you can add, is how to invest the money that you save that you normally would’ve blown

@tarynmaria_

3 күн бұрын

Yes!

I think the recommended amount for a house mortgage is 4 to 5 times your yearly salary.

@tarynmaria_

12 күн бұрын

Good to know!

Not all babies are huge and grow fast. My 6 kids were all in smaller sizzles than their age or the exact sizes of their age until they reached about 2-3 years of age. The newborn clothes lasted more than a week, and I passed them down to several of my children.

@tarynmaria_

17 күн бұрын

Thank you for sharing!

Just the wedding cake? You can save tons of money on the entire wedding by thinking sensible about what it is really all about.

Me thinking you were 29 👁👄👁

@tarynmaria_

5 күн бұрын

Ahhh thank you 🙏 😊