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	<title>Comments on: Then &amp; Now: What Our Finances Looked Like 10 Years Ago Compared to Now</title>
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	<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/</link>
	<description>A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance.</description>
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		<title>By: Jenny</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-402834</link>
		<dc:creator>Jenny</dc:creator>
		<pubDate>Sat, 14 Feb 2009 20:43:24 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/#comment-402834</guid>
		<description>In comment to JLP&#039;s statement of being a tither, I have found that it works just like the Word of God says. I am on disability income versus having a job 10 years ago. I do not fail to pay my tithes, regardless of less income. I am not going hungry and my basics are being taken care of. Here is the kicker, when I was working and sporadically paying tithes, I stayed broke! Bills never seemed to get paid and were always high. I was taking out payday loans left-and-right to cover bills, and yet, bills never seem to get paid. Malachi chapter 3 lets you know that you are cursed when you don&#039;t tithe. I realized that even sporadically paying tithes that I was still cursed. God counts faithfulness. Because of my disobedience, I am still recovering from it.  However, I am confident that I will come out of my wilderness completely. That&#039;s faith. Don&#039;t try to figure it out, because you won&#039;t be able to. Just start paying your tithes and you will began to come out of your financial holes. Be patient because it may take time, but it will happen</description>
		<content:encoded><![CDATA[<p>In comment to JLP&#8217;s statement of being a tither, I have found that it works just like the Word of God says. I am on disability income versus having a job 10 years ago. I do not fail to pay my tithes, regardless of less income. I am not going hungry and my basics are being taken care of. Here is the kicker, when I was working and sporadically paying tithes, I stayed broke! Bills never seemed to get paid and were always high. I was taking out payday loans left-and-right to cover bills, and yet, bills never seem to get paid. Malachi chapter 3 lets you know that you are cursed when you don&#8217;t tithe. I realized that even sporadically paying tithes that I was still cursed. God counts faithfulness. Because of my disobedience, I am still recovering from it.  However, I am confident that I will come out of my wilderness completely. That&#8217;s faith. Don&#8217;t try to figure it out, because you won&#8217;t be able to. Just start paying your tithes and you will began to come out of your financial holes. Be patient because it may take time, but it will happen</p>
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		<title>By: Foobarista</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-314843</link>
		<dc:creator>Foobarista</dc:creator>
		<pubDate>Mon, 26 May 2008 22:12:36 +0000</pubDate>
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		<description>We got married eight years ago, so it&#039;s probably the best reference point for comparing.

About five years ago, I got into PF blogs and started tracking my net worth.  Fortunately, I was never a big &quot;buy on debt&quot; guy - and always paid cash for cars after a brief car loan on my first car - but wasn&#039;t paying much attention to net worth building before I got married, and spent more money on fancy electronics than I probably needed.

Also, one of my big expenses ten years ago was long-distance phone calls; I averaged $2-$300/month and sometimes got over $500/mon.  The massive drop in long distance rates and universal calling plans helped hugely, as did getting married and having my wife move from China to here, where I can just chat with her instead of calling at $0.50/min (in 1998).  I also spent way too much money and damaged my health by eating fast food pretty much every day, often more than once per day.

In 1998, my net worth was probably around $150K.  It&#039;s now well in seven figures and growing by about $150K/year.</description>
		<content:encoded><![CDATA[<p>We got married eight years ago, so it&#8217;s probably the best reference point for comparing.</p>
<p>About five years ago, I got into PF blogs and started tracking my net worth.  Fortunately, I was never a big &#8220;buy on debt&#8221; guy &#8211; and always paid cash for cars after a brief car loan on my first car &#8211; but wasn&#8217;t paying much attention to net worth building before I got married, and spent more money on fancy electronics than I probably needed.</p>
<p>Also, one of my big expenses ten years ago was long-distance phone calls; I averaged $2-$300/month and sometimes got over $500/mon.  The massive drop in long distance rates and universal calling plans helped hugely, as did getting married and having my wife move from China to here, where I can just chat with her instead of calling at $0.50/min (in 1998).  I also spent way too much money and damaged my health by eating fast food pretty much every day, often more than once per day.</p>
<p>In 1998, my net worth was probably around $150K.  It&#8217;s now well in seven figures and growing by about $150K/year.</p>
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		<title>By: JLP</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313619</link>
		<dc:creator>JLP</dc:creator>
		<pubDate>Fri, 23 May 2008 18:57:13 +0000</pubDate>
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		<description>Chad,

If you don&#039;t go to church or don&#039;t tithe, fine.  But, I don&#039;t think you should question what is my choice.

I tithe because I feel it is the right thing to do based on my belief in the Bible as God&#039;s word.  If you don&#039;t believe that, that&#039;s fine.</description>
		<content:encoded><![CDATA[<p>Chad,</p>
<p>If you don&#8217;t go to church or don&#8217;t tithe, fine.  But, I don&#8217;t think you should question what is my choice.</p>
<p>I tithe because I feel it is the right thing to do based on my belief in the Bible as God&#8217;s word.  If you don&#8217;t believe that, that&#8217;s fine.</p>
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		<title>By: Chad @ Sentient Money</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313573</link>
		<dc:creator>Chad @ Sentient Money</dc:creator>
		<pubDate>Fri, 23 May 2008 16:26:18 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/#comment-313573</guid>
		<description>&quot;How is the work of the church to be supported?&quot;

The better question is; why should the church&#039;s work be supported?  The majority of churches and charities are like people, they exist, but don&#039;t do much.

I&#039;m fine with giving to a church but tithing is another way for humans to control other humans.  Giving every time you go, gives you control.</description>
		<content:encoded><![CDATA[<p>&#8220;How is the work of the church to be supported?&#8221;</p>
<p>The better question is; why should the church&#8217;s work be supported?  The majority of churches and charities are like people, they exist, but don&#8217;t do much.</p>
<p>I&#8217;m fine with giving to a church but tithing is another way for humans to control other humans.  Giving every time you go, gives you control.</p>
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		<title>By: Andrea</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313522</link>
		<dc:creator>Andrea</dc:creator>
		<pubDate>Fri, 23 May 2008 14:47:16 +0000</pubDate>
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		<description>I love that you decided to tithe with the &quot;right attitude&quot;.  Good for you!</description>
		<content:encoded><![CDATA[<p>I love that you decided to tithe with the &#8220;right attitude&#8221;.  Good for you!</p>
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		<title>By: JLP</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313311</link>
		<dc:creator>JLP</dc:creator>
		<pubDate>Fri, 23 May 2008 03:20:27 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/#comment-313311</guid>
		<description>&lt;strong&gt;muddlehead said:&lt;/strong&gt;

&lt;em&gt;&quot;Don’t you think if there was a god, he or she would rather you save the 10% for your retirement or family or college for your children than give it to a church?&quot;&lt;/em&gt;

How is the work of the church to be supported?

&lt;strong&gt;I hate debt!,&lt;/strong&gt;

I hear ya.  You have to start from where you are.  You&#039;ll get there.</description>
		<content:encoded><![CDATA[<p><strong>muddlehead said:</strong></p>
<p><em>&#8220;Don’t you think if there was a god, he or she would rather you save the 10% for your retirement or family or college for your children than give it to a church?&#8221;</em></p>
<p>How is the work of the church to be supported?</p>
<p><strong>I hate debt!,</strong></p>
<p>I hear ya.  You have to start from where you are.  You&#8217;ll get there.</p>
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		<title>By: Philip</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313285</link>
		<dc:creator>Philip</dc:creator>
		<pubDate>Fri, 23 May 2008 01:38:14 +0000</pubDate>
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		<description>Ok, after reading your response and thinking about it, it makes more sense.  You still appear to be on track with making all the bigger decisions and letting the small things go a little more so.  The total rewards on a credit card might be a couple hundred bucks a year compared with making sure to invest and save and other items that could be small.  

Oh, thanks for getting the posts going faster, that was kind of confusing.</description>
		<content:encoded><![CDATA[<p>Ok, after reading your response and thinking about it, it makes more sense.  You still appear to be on track with making all the bigger decisions and letting the small things go a little more so.  The total rewards on a credit card might be a couple hundred bucks a year compared with making sure to invest and save and other items that could be small.  </p>
<p>Oh, thanks for getting the posts going faster, that was kind of confusing.</p>
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		<title>By: I hate debt!</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313273</link>
		<dc:creator>I hate debt!</dc:creator>
		<pubDate>Fri, 23 May 2008 01:14:56 +0000</pubDate>
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		<description>The sad truth is my girlfriend and I are more like you were ten years ago then you are now. We are no where close to being where we need to.  Hopefully 10 years from now we won&#039;t be saying the same thing.</description>
		<content:encoded><![CDATA[<p>The sad truth is my girlfriend and I are more like you were ten years ago then you are now. We are no where close to being where we need to.  Hopefully 10 years from now we won&#8217;t be saying the same thing.</p>
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		<title>By: Ken</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313269</link>
		<dc:creator>Ken</dc:creator>
		<pubDate>Fri, 23 May 2008 01:02:32 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/#comment-313269</guid>
		<description>We do the rewards gig all through a single card... 1% to Amazon.com (too many rules for other cards...)

then once a month or so (or every other) we get a treat from amazon.com that was extra...movies or stuff that would normally come out of a normal &#039;budget&#039;.</description>
		<content:encoded><![CDATA[<p>We do the rewards gig all through a single card&#8230; 1% to Amazon.com (too many rules for other cards&#8230;)</p>
<p>then once a month or so (or every other) we get a treat from amazon.com that was extra&#8230;movies or stuff that would normally come out of a normal &#8216;budget&#8217;.</p>
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		<title>By: JLP</title>
		<link>http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/comment-page-1/#comment-313208</link>
		<dc:creator>JLP</dc:creator>
		<pubDate>Thu, 22 May 2008 22:38:39 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2008/05/22/then-now-what-our-finances-looked-like-10-years-ago-compared-to-now/#comment-313208</guid>
		<description>Test</description>
		<content:encoded><![CDATA[<p>Test</p>
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