Hi Kelli here from FreebieFindingMom.com.
Thank you for joining me for another Friday session of money talk where we basically get together on Fridays around 1:30 p.m
Eastern time and go over usually a couple of the more popular questions here from the freebie finding mom Facebook page
So today's first question we have comes from patty
Patty's question is is I'd like to hire a house cleaning service to come every two weeks
But my husband thinks that even though I'm now working part time, I should still be able to keep up with the housework
She said he thinks only rich people have cleaners, but I told him it would really help take some stress off of me
Just curious how many of you have house cleaners?
Thank You patty for your question and by the way, thank you guys so much for your responses
It was really helpful. I think for you patty to see these responses and see that you can show your husband
It's clearly not just whatever he would deem maybe rich people who have cleaners a lot of people hire cleaners for a variety of different
Reasons so we'll go ahead and get into your responses. So Kayla said I would tell him he either steps up and helps
Take care of the house since he also lives there very true, Kayla
I agree with that one
Especially now because patty is working in helping taking off some of that financial stress maybe off of him
Maybe he needs to start pitching and it sounds like and helping with some of the housework
Kristi said she totally agrees with with Kayla. So thank you for you for that Kristi
Emma said I don't have a house cleaner
But I am one and I am sure it is not only well-off people that I go to
Oh
She said I assure you it's not only well-off people that I go to I go to people from all walks of life and in
All sorts of circumstances. Yes, Emma. That's my point yet
She said elderly who cannot do it all themselves any more working families and single people who don't have time disabled people
And yes, I also have clients who don't work full time, but find few hours
I spent cleaning relieves a whole load of stress from their lives
So clearly patty
please share this with your husband because I think this might be a little enlightening for him that there's a variety of different people who
Hire house cleaners and then Emma goes on to say as long as it's something you can afford
I think that if it's going to make you feel happier, then it shouldn't be a problem totally agree, Emma
Thank you for sharing that then johnny said I am a stay-at-home dad
To a 20 month old and three in elementary school Johnny. You are busy. Thank you so much for sharing your thoughts here
And then he says my wife thought it would be a good idea to have someone
To come in and do the floors and bathrooms every two weeks to help alleviate some of the stress of running a household
Johnny goes on to say my wife works really works hard, but we're not wealthy
He said just budget accordingly for that expense Plus after our house cleaner leaves. Everything is so clean
So I'd say tell your husband to help pick up the slack or start interviewing people. Yep. Thank you for Johnny
I especially from a man. That's saying that that's wonderful. Thank you for sharing that Johnny. So totally agree with that
So Johnny, you know, they're another example for you Patti Johnny's saying he doesn't consider them wealthy
But just those few hours having someone come in
Just really helps alleviate a lot of stress off of their lives and they budgeted accordingly for it. Thanks Johnny
And that Heather said I have a housekeeper
I don't want to spend my spare time cleaning when I can spend it with my kids and my husband I would hire someone instead
Of a service because services can be pricey good point Heather. That was very true
I have found that to be the case, too
that services can be quite a bit more expensive than if you finds an individual or two people to come clean and then Heather says
I know lots of people that have housekeepers
They're busy people who would rather spend free time. In other ways instead of stressing about cleaning. Yep. Very true
Noni said husband helps clean etc. It's our house. Very true noni
so meaning that you know
paddy
He should be helping more
especially because like I say you are going to work and helping taking off some of the financial burden off of him and
Then Sarah said I don't have a housecleaner
I work full-time, but I do have two older kids that help with chores
And then she says they do help daily and it helps a lot and husband helps as much as he can
So again, I'm Sarah
So since Sarah's kids are you know a little bit older now they can also pitch in so maybe that's an option for you Patti
As well to see if you have kids that can you know help as well with the chores?
But definitely I would encourage your husband to do a little bit more - Melissa said do whatever works for your family
Yaaaaa said I think it's a great idea
I no longer have a house cleaner, but I used to for I used to four years ago. And I was a stay-at-home mom
but it took a lot of stress off of me and
Then she goes on to say she would come twice a month to put away all the laundry and deep clean the bathroom wood floors
Unless I needed her more than she would but if you can afford it I would recommend it
It will be less stress for you and more time for those you love
And then Dulcinea said if he doesn't want to spend some extra money for someone to come at once every two weeks
Then he should be helping you clean. Yep, frankly
He should be anyways, but if him not doing so has worked for y'all up to this point. That's understandable
Now the things that have changed with work if it is time for him to change the chores as well. Yep
Danielle says I don't have a housekeeper since I went back to work
My hubby has just stepped up and has helped me clean a little bit more. That's awesome, Danielle
My husband s - I work a decent amount here, obviously
But I will say he definitely helps more now than he did say five years ago
So I'm glad that your husband's doing the same thing, Danielle
Thanks for sharing. And then Susan said I wish I did meeting as she wishes
She had a housekeeper and then Rachel said we don't have a housekeeper and I never had one
Even if we had the money for one my frugal side probably wouldn't let me plus
I'm it's hard to find someone I could trust so that's true Rachel
It is very hard to find someone that you you trust around everything and then you're obviously not monitoring everything
So that is very true
and then Rachel says I work part-time -
currently
I don't ask my husband to do much housework because he works five to six days a week 11 at 12 hours a day
Normally on his off days
He will run errands for me when my husband didn't work so much or when I worked more I'd ask him to help more often
Now our kids are teens said they do a lot - so again, you know Patti it just reminds him
Maybe it's just part of maybe the season that you guys are in in life right now, you know
Maybe if you have you know
And when your kids get older you can just tell them maybe you won't need as much help, you know
Because the kids will be able to pitch in more but if you have young kids
remind him that maybe they're not able to help quite as much as if they were teens so it could just be kind of a
situational thing maybe kind of tie your husband
You know kind of pitch it to him like that
And then mary says we have a friend that comes want them once a month and helps me organize and clean up and out
So that's great. So my feedback for you Patti is is first off share these responses that were on your question
You guys did a great job of sharing your thoughts and I really appreciate that how to use that show your husband
you know clearly it's a variety of people to hire housekeepers to help them for um, you know,
I'm multitude of things whether it's because they're disabled but it's just they don't have the time
Maybe they just like Johnny said just made it a priority in their budget and said you know why this is something important to us
And we're going to do what we have to to make it happen
And so that's my first thing is I would share with him these responses and just revealed let him
You know understand that it's not just a certain demographic that hires cleaners. A lot of people do for a lot of different reasons
I would also try to appeal to him to see if there's any way that he would pitch in and help more if that
Doesn't go over so well, I would maybe try to attack it more from a financial perspective
so maybe you look at your budget and see if there's anything that you could either cut out or reduced and
You know show him. Maybe maybe you don't go out to dinner one one at night a month
And you say you were to save that money and that could be the housekeeping money and then quite honestly
Then you're not really the budget isn't really impacted
so maybe show him from a
Financial perspective how it's possible and then just remind him that if it alleviates stress from you then that is just good for the entire
Family and that includes him. So I'm good luck with that patty. I hope that works out for you
And then the next question we have comes from Jessica. Jessica says I'm going through a divorce
I have a Bank of America card almost maxed out. The interest each month kills me
I think I should get a 0% interest card to transfer the balance
Does anyone have experience with doing this and did it save you money?
Jessica I've never done this but you guys clearly had a lot of really helpful insights
So thank you for sharing your thoughts on this one. Veronica said absolutely if you transfer that balance
Absolutely, if you can't transfer that balance, but most only offer inter introductory at 0% then what is the rate?
That's what I was thinking
So it might be 0% now Jessica
But then you need to find out how long that
0% interest rate goes for and then what does it bump up to when that period ends?
Read the fine print. How long is offer good for you? First call your current credit card company and ask
How can they help you explain the situation and if it's not helpful, and if not helpful
Tell them what plan you have for that credit. So definitely I love that Brown. Have a good feedback
Thank you for sharing that so definitely Jessica go to your credit card company and just let them know your situation and find out
You know if there's any first off fees for you to transfer any balance
see if they'll work with you at all on your balance and if they don't seem to be
You know wanting to be you collaborate with you to try to improve the situation
Then just kind of let them know what you're thinking as far as transferring the balance
But just call them first and see what they can maybe do to try to help you
Susie said exactly what Veronica said if you are at say 18 percent now and you find a zero interest
For 18 months and then it goes up to thirteen and a half percent
You will save overall they do have a fee to transfer
She said I think it's three percent. So it'd be wise to ask your current credit card company first to avoid that fee. Yep
That's what I wondered - if there was a fee for that also if you happen to have savings anywhere
This was a good point Susie. I wasn't thinking about this
also
if you haven't have savings anywhere that it's making less interest and your credit card is charging you so if you let's say you have
Money Jessica's sitting in like a money market account and it's just earning a couple percent
You should not just have that money sitting there when you'd be paying down your balance
as if as long as you had a contingency fund already set aside and then
Susie goes on to say use that savings to pay off the credit card keep your emergency money available
Yep, if you have it
But cash sitting in a bank making three percent interest is not wise if you're paying a higher interest on your credit card
Very true. So first things first like Susie is saying make sure you had that, you know emergency fund
They're continuously fun or whatever. You want to call it. You have that money set aside. That's very important
desica
But after that point your savings should be trying to pay down that credit card balance because that is very expensive money for you
Maybe it's costing you a lot each month to just keep that balance
Okay, and then but find out what that fee is to transfer that money over to a 0% card and then Charlotte says one thing
To keep in mind is to be careful and not too this is a good point to not to use and not use
Okay other keep in mind be careful and not used to charge other purchases until you pay off the balance
So don't use that cards for other purchases until you've paid the balance off because Charlotte says when you transfer balances and use that card
The amount you pay goes against the zero percent balance and you're charged interest on your purchases
I did not know that so that is crazy. That's good to know
So basically, whatever card you transfer that balance to Jessica
Make sure you're not using that card for any purchases because it sounds like you could be charged interest on those mrs
So that is not something you would want at all so definitely get you know
do your research and find out first and foremost Jessica if your credit card company will work with you on your balance and
You know if they're willing to work with you then maybe that would be a great situation for you
But if they're not find out the transfer fee for that
0% card find out what the rates gonna bump up to after that
you know introductory period ends and
Go ahead and transfer it, but then I would do everything I can to pay that down as much as possible
And if that means using savings as long as you have that contingency fund in place
I would use my savings and pay that card balance down as fast as I could
I hope that helps you and good luck with that
as always thank you guys so much for taking the time to watch these videos and for sharing your questions and providing your feedback to
Other people's questions. I really appreciate it. I wish you all a Happy Holidays and again, thanks so much for watching. Bye. Bye
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