Chick Needs Some Help!

[arthur1920]

That structure does not look like it was designed to support a floor. You might want to think about beefing it up if you plan to turn the attic into a storage area.

good point.
looks like it is suspended from the ceiling. Build a shed and put in a catherdral ceiling...I wish I had, then I could have a hydraulic lift .

 

[arthur1920]

Here's something you can put on the back burner.
Why not install a "Thru the Wall" Heat & Air Conditioning Unit.
Personally, I think thru-the-wall is better, because you don't lose a window for the install.
They got some real good ones at www.AMRoyal.com
All you need to know is the size of you garage...recommendatios are noted.

I really appreciate the sacrifices, you, and all the other Military families are making. I just can't help from thinking about all the men and women serving our country...everyday.

My hat's off to you and your father for doing such a tribute.

Best of luck to everyone.
John

don't get a vent free heater. I couldn't use the through wall type in my application but I would have liked to. Got a hanging, power vent, separated combustion unit.

 

[arthur1920]

Dear Mrs. Marine,
If you have not received a Notice of Default you are not too far down the down the road, you would have over 3 months to straighten this out. Payments can still be made as a matter of right. There may be some penalties though. You do need to take a careful look at your equity position to see if it is worth throwing any more cash at the lender. I know I am not the only ex marine on this forum along with plenty of other patriotic guys. I spent some of time at Pendleton, probably before you were born. If the home is worth saving, post up a paypal account and let some Internet warriors do some good. Semper fi.

DD,
I know there are resources available to help you over this. (What the heck do I send checks to the naval relief fund for?) Get to those resources and get some counseling and an explanation of what your options are. There is talk now of lenders rolling back the ARM's for people who have been caught out.

 

[arthur1920]

DD,
I know there are resources available to help you over this. (What the heck do I send checks to the naval relief fund for?) Get to those resources and get some counseling and an explanation of what your options are. There is talk now of lenders rolling back the ARM's for people who have been caught out.

And for those previous posts of mine that make no sense whatsoever...that's what happens when you start posting before you get to the end of a big thread.

 

[DynoDave]

That's all good new DD, especially having your hubby home. Happy (belated) Birthday, and good luck with the mortgage.

 

[joecaver]

I'm glad to see you posting again and that it's good news that you're posting. When things settle down a bit have your hubby post here. It would be good to hear how he likes the new garage. And by all means let him know that his efforts for our country are greatly appreciated.

 

[aarcuda]

Oh, and my screen name...come on guys. It was a joke. And the stripper pole was a gift, remember? Some friends knew that that's the sort of thing my husband appreciates. It was all meant to be a gag gift.

the name is descriptive and not really a joke.

come on now. If my wife went online with a name like that, I'd be a little worried.

signed,

BigTenInch (my new joke name)

 

[PanelDeland]

I just have to say that I feel a bit uncomfortable with the comments here about financial problems.Many members of the Armed services(especially reserves) go thru financial dificulties when deployed.It is a fact that they joined for the money,training,or whatever.They enjoyed the benefits of it.They did not expect to have to leave home family and everything else for extended periods to serve.Some of them even had their enlistments extended to accomodate Military goals.
That said,I know that we haven't been told the whole story,it's just too personal.Leave it at the fact that a member of this online community had a problem and shared it with us.She did not ask anyone here for help and in fact refused to accept when some offered.She worked hard to reward her husband for being a good husband and father and as a welcome home gift to him from her heart.It shames me to see some of the posters chastize and belittle someone who has done no wrong but gotten caught in the multiple catastrophe's of life. I had neighbors in Tx during the first Gulf war,he was a reservist waiting for his enlistment to end.They were paying their bills and he was working 2 jobs to pay down some debt and build a nest egg after having purchased their first home.When he was deployed their income dropped to less than half of what his peacetime earnings were.She took a full time job though she had worked part time before.His mother began watching their kids to help keep expenses down.This couple went from being comfortable to barely getting by in a couple of months,all due to circumstances beyond their control.Though some of the neighbors tried to help she would not allow them to.
No need to chastize some one who just stated what was going on because she felt we were friends and interested.She could have just quit posting and no one here would have ever been the wiser.
Never say anything bad about someone until you have walked a mile in their shoes,then you can say whatever you want since you'll have a mile head start and they're barefooted.

 

[Uncle Buck]

I just have to say that I feel a bit uncomfortable with the comments here about financial problems.Many members of the Armed services(especially reserves) go thru financial dificulties when deployed.It is a fact that they joined for the money,training,or whatever.They enjoyed the benefits of it.They did not expect to have to leave home family and everything else for extended periods to serve.Some of them even had their enlistments extended to accomodate Military goals.
That said,I know that we haven't been told the whole story,it's just too personal.Leave it at the fact that a member of this online community had a problem and shared it with us.She did not ask anyone here for help and in fact refused to accept when some offered.She worked hard to reward her husband for being a good husband and father and as a welcome home gift to him from her heart.It shames me to see some of the posters chastize and belittle someone who has done no wrong but gotten caught in the multiple catastrophe's of life. I had neighbors in Tx during the first Gulf war,he was a reservist waiting for his enlistment to end.They were paying their bills and he was working 2 jobs to pay down some debt and build a nest egg after having purchased their first home.When he was deployed their income dropped to less than half of what his peacetime earnings were.She took a full time job though she had worked part time before.His mother began watching their kids to help keep expenses down.This couple went from being comfortable to barely getting by in a couple of months,all due to circumstances beyond their control.Though some of the neighbors tried to help she would not allow them to.
No need to chastize some one who just stated what was going on because she felt we were friends and interested.She could have just quit posting and no one here would have ever been the wiser.
Never say anything bad about someone until you have walked a mile in their shoes,then you can say whatever you want since you'll have a mile head start and they're barefooted.

Bully Bully, well said!

 

[BlackLead]

the name is descriptive and not really a joke.

come on now. If my wife went online with a name like that, I'd be a little worried.

signed,

BigTenInch (my new joke name)

Maybe her husband isn't as insecure as you might be. So her nick is "descriptive". Oh, Lord. Someone call the PC po-po. I suppose that AARcuda is not descriptive of either the region of the country you live in, or the car you drive. And the last time I checked, breast sizes are measured in numbers generally larger than "2". So it could be more apt to indicate that she owns two daily drivers, than "descriptive" of her anatomy. Unless, of course, you have an exceeding puerile mind, and are readily titillated (hah!) by vaguely potential references to the female anatomy. Which may be the case; does the phrase,"best ask, what do the laaaaadies look like?" sound familiar? And that was for a motorcycle photo shoot. Jeebus. What are you, twelve? Oh, and here's a little something you and those other nitwits Matt and Nixit should think about: maybe not everyone is as paranoid as you, and even more, perhaps they don't care even if they had happened to be wrong about 2DoubleDs motives. Taking a chance on believing in the goodness of people, while not common in your tiny world, isn't a bad thing. In fact, some folks call it, being a human being. Heaven forfend you twits fall prey to that.

 

[BlackLead]

Yall are crazy.

Okay, it's officially my birthday and if all goes as planned I'll be seeing my husband in about 17 hours. And I still have so much to do. Gotta go early tomorrow morning and start hanging welcome home posters everywhere. I JUST got the baby to sleep. The floor is a wreck because I'm still making the posters. Better get back to work. Just wanted to share my excitement of his impending return!

2DoubleDs, here's hoping you had a great birthday, homecoming, and Valentine's Day. God bless you for not being afraid to live happily.

 

[Uncle Buck]

Maybe her husband isn't as insecure as you might be. So her nick is "descriptive". Oh, Lord. Someone call the PC po-po. I suppose that AARcuda is not descriptive of either the region of the country you live in, or the car you drive. And the last time I checked, breast sizes are measured in numbers generally larger than "2". So it could be more apt to indicate that she owns two daily drivers, than "descriptive" of her anatomy. Unless, of course, you have an exceeding puerile mind, and are readily titillated (hah!) by vaguely potential references to the female anatomy. Which may be the case; does the phrase,"best ask, what do the laaaaadies look like?" sound familiar? And that was for a motorcycle photo shoot. Jeebus. What are you, twelve? Oh, and here's a little something you and those other nitwits Matt and Nixit should think about: maybe not everyone is as paranoid as you, and even more, perhaps they don't care even if they had happened to be wrong about 2DoubleDs motives. Taking a chance on believing in the goodness of people, while not common in your tiny world, isn't a bad thing. In fact, some folks call it, being a human being. Heaven forfend you twits fall prey to that.

Read em from the book bro!

 

[danski0224]

BigTenInch (my new joke name)

Budding author?

 

[RAYJAY]

Maybe her husband isn't as insecure as you might be. So her nick is "descriptive". Oh, Lord. Someone call the PC po-po. I suppose that AARcuda is not descriptive of either the region of the country you live in, or the car you drive. And the last time I checked, breast sizes are measured in numbers generally larger than "2". So it could be more apt to indicate that she owns two daily drivers, than "descriptive" of her anatomy. Unless, of course, you have an exceeding puerile mind, and are readily titillated (hah!) by vaguely potential references to the female anatomy. Which may be the case; does the phrase,"best ask, what do the laaaaadies look like?" sound familiar? And that was for a motorcycle photo shoot. Jeebus. What are you, twelve? Oh, and here's a little something you and those other nitwits Matt and Nixit should think about: maybe not everyone is as paranoid as you, and even more, perhaps they don't care even if they had happened to be wrong about 2DoubleDs motives. Taking a chance on believing in the goodness of people, while not common in your tiny world, isn't a bad thing. In fact, some folks call it, being a human being. Heaven forfend you twits fall prey to that.

+1

with all the people i meet from the forums that I'm on. most (99%) are true to there word. she did not ask for anything on here........ so what is the problem here?

children please grow up i thought we were all adults here.... my view of some of the people on here has really changed after this thread

flame me if you have too

Jeff

 

[mattgg1]

She worked hard to reward her husband for being a good husband and father and as a welcome home gift to him from her heart.It shames me to see some of the posters chastize and belittle someone who has done no wrong but gotten caught in the multiple catastrophe's of life.

It amazes me that some people on this board are unable to understand the concept of fiscal responsibility. The biggest single "catastrophe" here is poor financial planning & judgement, period. When do we stop giving everyone a pass for their poor decision-making and instead insist on a higher level of personal responsibility.

It is a fact that this lady did not have the money to undertake this garage makeover. She explicity stated that she was running up her credit card to fund this project.

It is a fact that, in the midst of this garage makeover, that she was starting down the path of foreclosure. If money were so tight to begin with, and she had no spare money whatsoever, then it was irresponsible to waste money & credit on the garage.

While I wish the best for 2DoubleDs, there is no question that she made some very poor financial decisions. Yet most people here choose to NOT hold her accountable for the situation she finds herself in. Instead, you feel that "she has done no wrong." This notion...do whatever you want, however irresponsible, without any repercussions...is what is hurting this country.

Lets advocate that people spend money they don't have on unneeded things, then have the taxpayers bail them out when they can't pay their mortgage. What a great plan!

 

[trovato]

It amazes me that some people on this board are unable to understand the concept of fiscal responsibility. The biggest single "catastrophe" here is poor financial planning & judgement, period. When do we stop giving everyone a pass for their poor decision-making and instead insist on a higher level of personal responsibility

What amazes me is that some people can't understand the concept of a time and a place for everything. Even if everything you said is true, this is a forum for talking about garages, not for giving people condescending advice on how to run their lives. She really didn't come here for us to pass judgement on anything more than garage decor. She's not asking for you to bail her out. Let's drop all this judgemental attitude and stick to "garage talk".

 

[BlackLead]

It amazes me that some people on this board are unable to understand the concept of fiscal responsibility. The biggest single "catastrophe" here is poor financial planning & judgement, period. When do we stop giving everyone a pass for their poor decision-making and instead insist on a higher level of personal responsibility.

It is a fact that this lady did not have the money to undertake this garage makeover. She explicity stated that she was running up her credit card to fund this project.

It is a fact that, in the midst of this garage makeover, that she was starting down the path of foreclosure. If money were so tight to begin with, and she had no spare money whatsoever, then it was irresponsible to waste money & credit on the garage.

While I wish the best for 2DoubleDs, there is no question that she made some very poor financial decisions. Yet most people here choose to NOT hold her accountable for the situation she finds herself in. Instead, you feel that "she has done no wrong." This notion...do whatever you want, however irresponsible, without any repercussions...is what is hurting this country.

Lets advocate that people spend money they don't have on unneeded things, then have the taxpayers bail them out when they can't pay their mortgage. What a great plan!

I think most folks here understand the concepts of fiscal responsiblity. What we don't understand, is why that would supplant your sense of compassion.

Simply stating that your assumptions are "fact", does not, in fact, make them so. It simply makes you appear foolish. If you speak in absolutes, and are wrong, then you have no credibility. You are ASSUMING that their financial situation was so tenuous that this was a recipe for disaster. You have no actual knowledge whatsoever. I know of very few people, of all walks of life, and of various financial strata, that don't incur debt which they realistically expect to pay off over time. You make it sound as though she engaged in criminal behaviour by having faith in her ability to repay her debts. You say that she "explicitly stated that she was running up her credit card to fund this project." In point of FACT, what she stated was,

"Everything is going fine construction wise so far, but I need to start making some decisions. Most everything I get will have to come from Home Depot, mainly because I have a pretty good amount of credit there and I really don't want to charge anything else up."

So apparently, utilzing the help of relatives and friends, thereby displacing onerous labor costs, she was investing money into their home, and sourcing it from one place. Judging from the information I gathered from her posts, the majority of her outlay was for actual construction materials, and only some "toys". I didn't see in her posts how much of this outlay was directly from her Home Depot card, so it would be an ASSUMPTION to say that she 'ran up her credit card debt'. Nor do you know how much financial investment might have been made by her relatives, if any. It is certain that some items were NOT purchased thru Home Depot, most notably a poker table, and a stripper pole.

She has also gone to great pains to explain that she overreacted to the situation with her mortgage company, not that she needed to explain herself to anyone, least of all you. Maybe you missed this ENTIRE post:

"CLEARLY...I don't know much about mortgage jargon. But all the BIG trouble started in October when the California fires went retarded. I had to close my daycare for a week and evacuate. That was a huge financial set back, being as I had already lost a few kids, I had to refund money for that week and spend money to get me and the baby the hell outta Dodge. Room and board for a week is expensive. When we got back I called the mortgage company and asked for a deferred payment, which they refused. So I fell behind for a payment. The next week they sent me a "You're loan is in default" letter. Scared the **** outta me. Like I said, I don't know much about this stuff so I figured that I was in forclosure after one missed payment. After that they wouldn't talk to me to work something out. And everyone (friends, family, realitor type folks) would suggest all these things and I would say " I tried that, they said no." And they would all go "Well who's your mortgage company?" And I would say "GMAC" and everyone would go "Ooooooooh. Okay, yeah. They're harsh. (no sh*t, you're telling me!) And so it has continued until very recently when they sent a letter saying 'fill all this stuff out and we'll see what we can do about re-working your loan'."

So it would appear that things are not as dire as they seem, but more that she was unnecessarily intimidated by her lender. Certainly no lender would ever engage in such behavior, would they? And reversals of fortune such as she experienced are certainly not isolated to those guilty of "poor financial planning and judgement".

You state that you "wish the best for 2DoubleDs". I doubt that very much. I believe that you are much more concerned with self-aggrandization and trying to prove how clever you are making value judgements where you are clearly unqualified, and don't really give a tinker's damn about anyone else. You then continue on to infer that she (and others like her, no doubt?) are responsible for... what, the decline of the United States of America? How incredibly stupid is that?

You speak of "personal responsiblity". Perhaps a little thoughtful introspection should become YOUR personal responsiblity, and you could thoughfully spare the rest of us your sanctimonious, apoplectic ravings. No, really, we "insist".

 

[TopBanana]

2DD's -
First off, Glad to hear your hubby is coming home safe!

Second, Happy belated B-Day!

Third, what you're doing for your hubby is awesome. I'm sure he'll like it.

Fourth, glad to hear you're getting your house stuff squared away. I've never been there but I know people who have...it's not easy! Keep on pushing through!

And finally, thank your husband for his hard work, dedication, and personal sacrifice to keep this a FREE COUNTRY! He and all our soldiers are greatly appreciated!!! Here's to him and you!!!
Can't wait for another update!!!

 

[aarcuda]

Maybe her husband isn't as insecure as you might be. So her nick is "descriptive". Oh, Lord. Someone call the PC po-po. I suppose that AARcuda is not descriptive of either the region of the country you live in, or the car you drive. And the last time I checked, breast sizes are measured in numbers generally larger than "2". So it could be more apt to indicate that she owns two daily drivers, than "descriptive" of her anatomy. Unless, of course, you have an exceeding puerile mind, and are readily titillated (hah!) by vaguely potential references to the female anatomy. Which may be the case; does the phrase,"best ask, what do the laaaaadies look like?" sound familiar? And that was for a motorcycle photo shoot. Jeebus. What are you, twelve? Oh, and here's a little something you and those other nitwits Matt and Nixit should think about: maybe not everyone is as paranoid as you, and even more, perhaps they don't care even if they had happened to be wrong about 2DoubleDs motives. Taking a chance on believing in the goodness of people, while not common in your tiny world, isn't a bad thing. In fact, some folks call it, being a human being. Heaven forfend you twits fall prey to that.

Dude,

Ive seen her picture. She fit the description to a tee (or a double d so to say).

want for me to post it? (you can find lots of stuff on the web if you just look). Heck she had it on the web anyways right. And Im sure that most of you 300 some odd posters are curious (plus I need it to back me up here).


http://www.enchantedplayroom.com/Down_the_Isle.jpg

btw, I just said that Ive read these types of posts before and the setup is always the same- pretty woman on a mans site. she gets 1000's of responses by men saying they want to help her in her time of need (when in reality, there is more of a sinful nature to their desires). Then there is the unforeseen financial problems and the men are just full of themselves trying to help out a girl in need. And then its a scam. But I know her hubby is a Mastersargent E8 or an E9. Those stripes on his arm say he's an master sargent, E8 E9 and that means he makeswhat, $37,000 tax free dollars MIN for an E8 and over $50,000 for an E9. And then theres the bonus and war zone hazard duty pay. So I saw some issues with her statement saying she was in foreclosure.

I didnt say this was a scam. just that it fits the profile of one.

In addition, I was kind of upset about the name she chose because I thought it was a little disrespectful as well as the type of name one would choose to attract men. seeing as her husbands deployed, thats really not something I'd want my wife doing if I were in the same situation. A person chooses a name on the web that says something about that person. and when the name is overtly ******, you can only imagine that it was chosen to attract a specific interest.

And no one can refute that (and if you tried, I'd call you on it cause there is no way it would be otherwise).

But als, you guys have it all figured out. She's on the up and up no one is allowed to express their opinion on the web for fear it may hurt someones feeling (oh wait, when you guys say us doubters were in the wrong and calling us haters, wasnt that YOUR opinion???).

 

[ni[x]it]

While I wish the best for 2DoubleDs, there is no question that she made some very poor financial decisions. Yet most people here choose to NOT hold her accountable for the situation she finds herself in. Instead, you feel that "she has done no wrong." This notion...do whatever you want, however irresponsible, without any repercussions...is what is hurting this country.

You are a good man.

 

[GeorgeH]

 

[64merc]

http://www.enchantedplayroom.com/Down_the_Isle.jpg

But I know her hubby is a Mastersargent E8 or an E9. Those stripes on his arm say he's an master sargent, E8 E9 and that means he makeswhat, $37,000 tax free dollars MIN for an E8 and over $50,000 for an E9. And then theres the bonus and war zone hazard duty pay. So I saw some issues with her statement saying she was in foreclosure.

I can see both sides to this situation, so I am staying neutral on this one. I did want to point out a discrepancy with your comment regarding her husband and his pay grade. If I remember correctly, she had posted a picture much earlier in this thread and the man in this recent picture is definitely not the same guy. My guess is that the man in the wedding pics (w/ all the stripes on his arm) is her father walking her down the aisle. I also remember her saying that she wasn't afraid to move because she was used to it growing up in a military family.

Sorry, just had to point this out.

 

[tennsmith]

My shop and garage are painted a light gray, with a darker gray trim on door facings/windows. Doesn't soak up a lot of light. I used eggshell finish so I can wipe down with soapy rag, if necessary....and it is necessary.

 

[justinking060310]

That would be an E8 - First Sergeant...

 

[justinking060310]

Grey paint down. Stripes going up!

THE 'SWATCHES" MADE OF CONSTRUCTION PAPER. LOL

The observant will notice the man on the right helping paint. That would be the same man in the Marine uniform.

Just a wild guess, but I would bet that her husband is a Staff Sergeant.

 

[mhoffm911]

"Dad" is a retired First Sergeant. Follow the links on the other website.

Either way, I don't care about the negative postings. I like the idea of her trying to make her husband happy when he got home.

 

[aarcuda]

I can see both sides to this situation, so I am staying neutral on this one. I did want to point out a discrepancy with your comment regarding her husband and his pay grade. If I remember correctly, she had posted a picture much earlier in this thread and the man in this recent picture is definitely not the same guy. My guess is that the man in the wedding pics (w/ all the stripes on his arm) is her father walking her down the aisle. I also remember her saying that she wasn't afraid to move because she was used to it growing up in a military family.

Sorry, just had to point this out.

well now that you said it, DUH! it makes sense that the man in the pic is not the hubby as the hubby doesnt walk down the isle. So never mind on that point..... looks like an #5 from the other pictures so that comes out to $19,504.80 or $26,841.60 after 10 years before duty assignment and hazardous duty pay. luckily theres no income tax on that

 

[automan]

hummm............ Ok I just joined a few days ago. Today I read this whole thread. Long! 1st, kudos to DD for her thoughtfulness. Most of us have strengths and weaknessess. My wife's most endearing attribute is "giving". Wonderful!!!. But we cant afford it! So.....I can see that a person can have good intentions that get them in trouble in other ways. However, I did wonder myself at one point about the validity of the whole saga. And scams are a dime a dozen now days. Hopefully all will work out well for you and your family DD. http://www.garagejournal.com/forum/images/smilies/beer.gif
And if yall have to move for his reassignment maybe the garage make over will help sell the house. I have a 20' X 30' shop behind my house (a gift from my wife when we turned our garage into living space) that I will be paying for till I'm 90 but I love it and am delighted to have it. #1 thing- thanks to you and your hubby for protecting us and giving us the freedom of speech that we have so obviously proven here.

Oh.....and if you send us a pic of the stripper pole?, make sure it aint empty!!!!!!!! http://www.garagejournal.com/forum/images/smilies/bounce.gif

 

[The Alchemist]

I grew up a military brat while my Dad was actively serving from 1969-1979. My parents had three kids in 3 years (I guess they couldn't afford much for entertainment) and my Dad finally hung up his military career when my younger brother was born in 79.

My parents had it tough and growing up my Mom always tried to do nice things for my Dad to show her appreciation for the multiple jobs he worked to try and keep us fed and clothed. My Mom worked a night job as well when my Dad got home from his second job at 10pm. It was tough and my parents love each other so much for everything they have been through all these years.

I commend 2DD for wanting her husband to come home to a nice surprise. **** happens at the worst of times, but I'm sure 2DD wanted her husband's homecoming to be something special. So she spent $2k at home depot, she did it trying to make her husband feel loved and have a nice place to come home to. It's not like she pissed away the money at the salon.

2DD, one of my only regrets in my short 32 years of life is that I never served our country in the military. My Grandfather fought in WW2, both my uncle and Dad were stationed over seas during the end of Vietnam and had it not been for meeting my wife at age 19 and marrying her at 23, I would have gone into the military as a chemical weapons specialist.

Please thank your husband and I hope he realizes that he has a wonderful wife who did something really nice for him.

 

[mattgg1]

I think most folks here understand the concepts of fiscal responsiblity. Blah, blah, blah".

Blacklead -

I sent you a private message to address your VERY long-winded post.

 

[mattgg1]

Many have responded with comments similar to these…

“What you were doing for your husband is very admirable, yeah he's probably gonna get mad at first but after some time in the garage he'll get over it.”

“What you're doing for your hubby is awesome. I'm sure he'll like it.”

“So she spent $2k at home depot, she did it trying to make her husband feel loved and have a nice place to come home to.”

But most of the people here are failing to understand one simple concept:
It is very likely that her husband WILL NOT have a house to come back to next time, if she continues down this same financial path.

Everyone thinks it is so great that she spent this money to give her husband a nice garage to come back to. But they make no comment on the fact that she wasn’t able to pay her mortgage and went into default on her loan.

If you do not have a savings fund in place to cover even ONE WEEK or MONTH of bills or unplanned expenses, then you are in no position to be buying stripper poles and poker tables for a garage makeover!!! - - (Is there anyone who disagrees with this statement???)

If she has so little savings, then the ONLY responsible thing would have been to put all of the money spent on the garage into a savings account, until she is able to cover unexpected emergencies.

I would have no problem if she undertook this garage makeover with a reasonable cushion of living expenses saved. But to spend money on such frivolous things without ANY savings/backup plan is simply irresponsible. Keep in mind, this is not some single girl with no one else to worry about. This is a wife with a husband overseas and at least one child. Shouldn’t keeping a roof over the child’s head take priority over stripper poles, poker tables, and a fixed-up garage?

What do you think her husband would be more proud of:
1) To come home and be told, “Well, I fixed up your garage really nice. But unfortunately, I defaulted on the mortgage loan, ruined your credit, and may be losing the house.”
2) To come home and be told. “Honey, sorry I couldn’t have done more for your homecoming. Money has been tight, although I was able to keep everything going. But how about a great home-cooked meal."

 

[The Alchemist]

I'm sorry, but I disagree with you to a certain extent. Before you jump down my throat, my wife and I bought our first house together at the age of 23 with little to no savings and did it on our own with no financial support from either of our families. We poured our heart and sole into that house fixing it up and turned around and sold it three years later and walked away with well over $125,000 to which we bought a newer, larger, nicer home in a better neighborhood. We were able to put down 25% (do the math) and both of our families thought we were in over our heads at the time. But now, 4.5 years later we have over $25k in savings, etc etc.

Point I am trying to make is her husband was coming home from freaken war. They weren't going to lose the house. She was late on one payment which we have all done from time to time due to unforseen reasons. But doing something nice for her husband who had seen God knows what while away deserves a nice welcome home.

That's all I'm saying. She did something nice for her husband, which I'm guessing she bought the items prior to hitting some financial tough times.

Let it be and leave the financial lessons to Suzy Ortman or whatever her name is.

 

[thefairlaneman]

PLEASE JESUS,CLOSE THIS WORN OUT THREAD!

 

[BlackLead]

Blacklead -

I sent you a private message to address your VERY long-winded post.

I did indeed receive your message. Since I am frankly not inclined to waste much more of my time trying to help you gain insight into your deeply flawed perceptions of compassion and economics, I chose not to reply. I will tell you that if you were to spend the sum total of five minutes on a Google search or two, you would know what the actual meaing of compassion is, and what's problematic with the national fiscal analysis you keep regurgitating. If the length of my post was so taxing for you, then you certainly wouldn't have had the stomach for my reply. I hope you don't mind overmuch.


Actually, I don't care whether you mind or not. Have a nice day.

 

[General Lee]

Well, what did your husband say about the garage??

 

[danski0224]

If you do not have a savings fund in place to cover even ONE WEEK or MONTH of bills or unplanned expenses, then you are in no position to be buying stripper poles and poker tables for a garage makeover!!! - - (Is there anyone who disagrees with this statement???)

Anyone should have funds in place to cover all basic living expenses for at least 90 days of unemployment... obviously, more is better.

A month is good, but is really useless. I guess the same could be said for any number of days if one is out of work long enough... None of it really helps when you are let go from a job and your standard of living is adjusted down when (if) a replacement is found.

I know several people that are 2 paychecks away from bankruptcy, though... gotta have the toys to keep up with the Joneses.

Proper fiscal management goes against the "gotta have it" instant gratification mentality... and some people, myself included, make reasonable and sound purchases on credit that are supposed to be paid off easily. I learned about the easy lure of credit card debt a long time ago.

Sometimes, the layoff or job elimination is unexpected. I sure regret buying those aftermarket seats for my car... yeah, I wanted them, yeah, I can afford them, but I wasn't expecting the layoff that happened a week after I ordered them. Now, I have an unecessary expense... how quickly things can change.

At least I didn't order that digital SLR setup I would like to have....

 

[jay50]

Many have responded with comments similar to these…

“What you were doing for your husband is very admirable, yeah he's probably gonna get mad at first but after some time in the garage he'll get over it.”

“What you're doing for your hubby is awesome. I'm sure he'll like it.”

“So she spent $2k at home depot, she did it trying to make her husband feel loved and have a nice place to come home to.”

But most of the people here are failing to understand one simple concept:
It is very likely that her husband WILL NOT have a house to come back to next time, if she continues down this same financial path.

Everyone thinks it is so great that she spent this money to give her husband a nice garage to come back to. But they make no comment on the fact that she wasn’t able to pay her mortgage and went into default on her loan.

If you do not have a savings fund in place to cover even ONE WEEK or MONTH of bills or unplanned expenses, then you are in no position to be buying stripper poles and poker tables for a garage makeover!!! - - (Is there anyone who disagrees with this statement???)

If she has so little savings, then the ONLY responsible thing would have been to put all of the money spent on the garage into a savings account, until she is able to cover unexpected emergencies.

I would have no problem if she undertook this garage makeover with a reasonable cushion of living expenses saved. But to spend money on such frivolous things without ANY savings/backup plan is simply irresponsible. Keep in mind, this is not some single girl with no one else to worry about. This is a wife with a husband overseas and at least one child. Shouldn’t keeping a roof over the child’s head take priority over stripper poles, poker tables, and a fixed-up garage?

What do you think her husband would be more proud of:
1) To come home and be told, “Well, I fixed up your garage really nice. But unfortunately, I defaulted on the mortgage loan, ruined your credit, and may be losing the house.”
2) To come home and be told. “Honey, sorry I couldn’t have done more for your homecoming. Money has been tight, although I was able to keep everything going. But how about a great home-cooked meal."

Agree, most peoples path to financial ruin began with theses four letters:

VISA

 

[duggie]

Does anyone remember what the original topic of this thread was ????

I'm just sayin ....



Good for you DD's for everything you have done for your husband while he serves his country.

You have my complete admiration for all your efforts !!!

 

[Hollywood1]

I would really like to see some more pics of her!!! he he, nevermind the garage!!!

 

[powellscooter]

Really impressive first post, hollywood.