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user banned 2 kids; Hamilton, Ontario 19220 posts
28th Dec '12
Quoting bbbt:" Well in my opinion having "just enough" isn't enough. You should have extra saved before you TTC. "



for what??

Like I said, I did that the frist time, and look what happened, it was taken away from me in a heart beat.
Now Im almost 35, my son has a clear bill of health....so in your idea, my family should not continue because we wont be able to live in the lap of luxury?

Dovahkiin 1 child; 1 angel baby; Kentucky 16776 posts
28th Dec '12
Quoting The Master:" My aunt has always had the attitude that you should have at least a years wage saved up. She's MULTI ... [snip!] ... in the bank. She's only now just sold her business and considers herself financially stable ... unfortunately she's also 63."


I don't think you need millions lol, or even an entire years salary. We live p2p right now, and I don't feel stable. I would feel so much better if we had... say... 10k in the bank. For emergencies, for home/car repairs/replacements. You never know.

Monkey Nuts Australia 4572 posts
28th Dec '12

<blockquote><b>Quoting The Master:</b>" My aunt has always had the attitude that you should have at least a years wage saved up. She's MULTI ... [snip!] ... in the bank. She's only now just sold her business and considers herself financially stable ... unfortunately she's also 63."</blockquote>



That's sad..



Is she considering adopting??



I earn 55k and I could not comfortably support a child on my own. No way no how. So no babies for me.

Dovahkiin 1 child; 1 angel baby; Kentucky 16776 posts
28th Dec '12
Quoting Shannonsfirst:" for what?? Like I said, I did that the frist time, and look what happened, it was taken away ... [snip!] ... a clear bill of health....so in your idea, my family should not continue because we wont be able to live in the lap of luxury?"


Having a couple thousand saved up is living in luxury? Okay. If you're going to get all personal and defensive about it, I'll just start my movie now.

The Master 2 kids; Perth, Australia 19989 posts
28th Dec '12
Quoting Monkey Nuts:" <blockquote><b>Quoting The Master:</b>" My aunt has always had the attitude that ... [snip!] ... considering adopting?? I earn 55k and I could not comfortably support a child on my own. No way no how. So no babies for me."


No she doesn't think it would be fair to a child ...she had a still born when she was 20 and I think that affected her to. Plus she's worked HARD her whole life and I think she just wants to settle down and enjoy life now.

user banned 2 kids; Hamilton, Ontario 19220 posts
28th Dec '12
Quoting bbbt:" Having a couple thousand saved up is living in luxury? Okay. If you're going to get all personal and defensive about it, I'll just start my movie now. "


That a mature response for D&D.

Enjoy your flick.



Just on a side not though...in real emergencies 10k isnt gonna help that much.

But what would I know? I mean, dont want to get 'personal' like Ive lived life or anything.

Vivialopod 2 kids; Vantaa, Finland 42775 posts
28th Dec '12

I don't think anyone should be "allowed" to ttc. You don't need permission from anyone to do anything with your life or body.



But I think people who are ttc while barely making it, without emergency savings or a backup plan are idiots and yeah, I judge them.

The Master 2 kids; Perth, Australia 19989 posts
28th Dec '12
Quoting bbbt:" Having a couple thousand saved up is living in luxury? Okay. If you're going to get all personal and defensive about it, I'll just start my movie now. "


but you said at least $10,000 ... that's not possible for most people. Especially people like me who refuses to get store credit or a credit card and prefer to pay for everything in their lives cash.

Dovahkiin 1 child; 1 angel baby; Kentucky 16776 posts
28th Dec '12
Quoting The Master:" but you said at least $10,000 ... that's not possible for most people. Especially people like me who refuses to get store credit or a credit card and prefer to pay for everything in their lives cash."


No, 10k is what I would feel comfortable with.

Vivialopod 2 kids; Vantaa, Finland 42775 posts
28th Dec '12

Also I think the most accurate description of "stable" I can think of is having at least a year's worth of expenses in savings, and a steady job you've had for longer than a year. I think you can be stable while renting, so I wouldn't consider owning a home to be a requirement. And you don't have to be able to buy everything new, but you should be able to buy everything in good condition if you get it second hand. You need to be able to make all your bills with leftover money to spare comfortably and have an emergency plan in place for if you and/or your partner lose your job, you house burns down, someone gets injured, etc.

The Master 2 kids; Perth, Australia 19989 posts
28th Dec '12
Quoting Viv, Ev & Gwen ♥:" Also I think the most accurate description of "stable" I can think of is having at least a year's worth ... [snip!] ... have an emergency plan in place for if you and/or your partner lose your job, you house burns down, someone gets injured, etc."


but how is it honestly possible to have a years worth of salary in savings? I don't know anyone who has that ... even my parents who have a property portfolio or my best friend whose single with no kids and saves like crazy.

Vivialopod 2 kids; Vantaa, Finland 42775 posts
28th Dec '12
Quoting The Master:" but how is it honestly possible to have a years worth of salary in savings? I don't know anyone who ... [snip!] ... has that ... even my parents who have a property portfolio or my best friend whose single with no kids and saves like crazy."

A years worth of bills.



I would have had that saved up within 2 years if I hadn't had an oops pregnancy. My income much exceeds my living expenses.

Dovahkiin 1 child; 1 angel baby; Kentucky 16776 posts
28th Dec '12
Quoting Viv, Ev & Gwen ♥:" Also I think the most accurate description of "stable" I can think of is having at least a year's worth ... [snip!] ... have an emergency plan in place for if you and/or your partner lose your job, you house burns down, someone gets injured, etc."


It is hard for me to imagine ever having my entire salary in the bank. :(

The Master 2 kids; Perth, Australia 19989 posts
28th Dec '12
Quoting bbbt:" It is hard for me to imagine ever having my entire salary in the bank. :( "


If I had that much money extra every month I would be throwing that shit into my mortgage like crazy.

user banned 3 kids; Ontario 10942 posts
28th Dec '12

<blockquote><b>Quoting The Master:</b>" but how is it honestly possible to have a years worth of salary in savings? I don't know anyone who ... [snip!] ... has that ... even my parents who have a property portfolio or my best friend whose single with no kids and saves like crazy."</blockquote>




I agree.
my parents raised two kids owned their own house and make 350.000 a yr and don't have that in the bank. And they and me and my brother grew up very well, exspensive trips and clothes several times a year. Etc...



I have never met anyone which has saved that much money