[bksvol-discuss] Re: ot getting out of debt--for parents
- From: "George Marshall" <marshall.geoma4@xxxxxxxxx>
- To: <bksvol-discuss@xxxxxxxxxxxxx>
- Date: Thu, 21 Aug 2008 09:53:04 -0400
Hi Cindy:
I don't remember anything about savings accounts in school, but during the
war we bought war bond stamps. It seems to me if we didn't have enough money
to buy a stamp the teachers would keep the money (with a list) untill we had
enough to buy the stamp. The stamps were pasted into a book untill there was
enough to buy the war bond ($18.75), if I remember.
Now hows that for being old and useless trivia?
Today is my best buddys, 75th birthday, so I must give him a call.
All the best,
George R. Marshall
marshall.geoma4@xxxxxxxxx
----- Original Message -----
From: "Cindy" <popularplace@xxxxxxxxx>
To: <bksvol-discuss@xxxxxxxxxxxxx>
Sent: Wednesday, August 20, 2008 8:05 PM
Subject: [bksvol-discuss] Re: ot getting out of debt--for parents
This message is for those of you with children, especially young children.
It's too late for those of you who got yourselves into debt and are now
getting or have gotten out--Congratulations to you, btw. It can't be easys
to change habits.
When my children were *very* young, say 3 & 4--the ages at which they'd
ask for money when the ice cream truck came by (Do they even have them
any more?) or for rides on those machines that are outside stores, or for
things they might see in a 5 & 10-cent store (I don't suppose they have
those anymore, either), I was talking to a young woman in the park--she
was probably in her early 20's--and she was already in debt and
complaining about it. I decided right then to put my girls on an
allowance--not tied to household chores or anything--but from that weekly
allowance, maybe it was a 50 cents or a dollar--whatever would cover an
ice cream--they would have to pay for their own rides and ice cream and
anything else like that that they wanted. When they started school, I
increased the allowance so it would cover lunches that they would buy a
school--so if they wanted to save that money they could take a sandwich
from home. I remember one day when we went by
a Woolworth's and my younger daughter saw a wand or a whip that she
wanted--it was probably a dollar or a dollar and a quarter, and I said
o.k., she cold have it, but she'd have to pay for it herself. I'd lend her
the money but then she's have to take it from her savings--they had piggy
banks. She thought a bit and decided not to get it. Seeing the money
grow--and hearing it--made them reluctant to take money out unless they
*really* wanted something--but they were happy and proud to spend their
own money on ice cream occasionally.
My husband and I always paid our credit card bills in full. When our girls
went off to college, they got their own cards. Apparently they didn't
realize that there was any other way to pay the bill when it came except
in full--until some of their college friends who paid off the minimum got
fairly heavily in debt. I don't remember if I had told them that when you
get the statements you pay them or if it's simply that I didn't tell them
anything and they just read the top lines and the amount owed and never
bothered to read or ask about the minimum.
My point here for parents is that children are never to young to be taught
thrift. George and Bud and those of you who are close to my age will
remember that in grammar school (how's that for an ancient term for you
young'uns to add to your vocabulary) we had one day a week when we brought
money to put into savings accounts--at least we did at my school. I guess
it was a program with banks because we opened and had the accounts and the
teacher kept the books, as I recall.
I remember, now, too, that I did have my children open savings accounts at
the bank when they were young, and they put gift money and some of their
own savings in it. In those days children weren't charged for maintaining
savings accounts. I don't know if that's still true with some banks, but
it should be if it isn't. You might ask your bank. They felt very grown-up
depositing money. We explained all about how the money gets more money in
the bank (not so much these days, unfortunately).
Cindy
***WISH LIST (CALLED REQUESTED ADDITIONS TO THE BOOKSHARE COLLECTION)IS
AVAILABLE AT
http://people.delphiforums.com/jamiecalton/Book_Requests.htm
http://www.friendsofbookshare.org/
http://studentpages.alma.edu/~07jmyate/book_requests.htm
A LIST OF BOOKS CURRENTLY BEING SCANNED IS AVAILABLE AT
http://people.delphiforums.com/jamiecalton/scanning.html
http://www.friendsofbookshare.org/
Jake's site for useful links: http://www.jbrownell.com/bkslinks.html
--- On Wed, 8/20/08, james.homme@xxxxxxxxxxxx <james.homme@xxxxxxxxxxxx>
wrote:
From: james.homme@xxxxxxxxxxxx <james.homme@xxxxxxxxxxxx>
Subject: [bksvol-discuss] Re: ot getting out of debt
To: bksvol-discuss@xxxxxxxxxxxxx
Date: Wednesday, August 20, 2008, 9:10 AM
Hi,
Not to drag this on too long. I decided to start going to
Debtors Anonymous
meetings and all though I am just in the beginning stages
of dealing with
this, I am starting to gain hope that it will help. With
all the other
things that have gone on with me in the last two years, I
view this as a
good thing. And, in case anyone wants to know, the
opportunity to volunteer
for Bookshare and rub elbows with the great people on this
list has been
such a blessing that I can't put it into words. Writing
this is making me
get a lump in my throat. OK , enough for now.
Thanks.
Jim
James D Homme, Usability Engineering, Highmark Inc.,
james.homme@xxxxxxxxxxxx, 412-544-1810
"The difference between those who get what they wish
for and those who
don't is action. Therefore, every action you take is a
complete
success,regardless of the results." -- Jerrold Mundis
Highmark internal only: For usability and accessibility:
http://highwire.highmark.com/sites/iwov/hwt093/
"E."
<thoth93@earthlin
k.net>
To
Sent by:
bksvol-discuss@xxxxxxxxxxxxx
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unce@xxxxxxxxxxxx
g
Subject
[bksvol-discuss] ot
getting out of
debt
08/20/2008 10:00
AM
Please respond to
bksvol-discuss@fr
eelists.org
Years ag I was in severe debt to the tune of several
thousand dollars.
I wrote down everything I spent by carrying a casette
recorder and
just inputting everything and I mean everything including
the
purchases for a dollar and under.
I did nothing else. It helped tremendously. I got out of
debt by just
getting conscious of what I was doing which is where
writing down
things helps.
I made no formal budget other than that and paid off the
debt every
week a little at a time until it was gone.
Hope this personal input is useful to somebody.
I have never been in debt since.
Elizabeth
E.
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