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	<title>Comments on: Reader Mailbag: When Do I Write Mailbags?</title>
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	<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Dash</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920943</link>
		<dc:creator>Dash</dc:creator>
		<pubDate>Thu, 12 Aug 2010 19:46:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920943</guid>
		<description><![CDATA[This is a minor technical issue I just noticed: now that you have the handy summary at the top of each reader mailbag with the ability to click on the number of the question and be taken there... you run into the issue that if you have two reader mailbags on the same page which is the case here (as of August 12th, 2010) - when I click on the numbers in this entry (8/9/10) I am actually taken to the questions from the entry from 8/12/10. Just figured I should let you know.]]></description>
		<content:encoded><![CDATA[<p>This is a minor technical issue I just noticed: now that you have the handy summary at the top of each reader mailbag with the ability to click on the number of the question and be taken there&#8230; you run into the issue that if you have two reader mailbags on the same page which is the case here (as of August 12th, 2010) &#8211; when I click on the numbers in this entry (8/9/10) I am actually taken to the questions from the entry from 8/12/10. Just figured I should let you know.</p>
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		<title>By: sara</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920864</link>
		<dc:creator>sara</dc:creator>
		<pubDate>Wed, 11 Aug 2010 23:57:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920864</guid>
		<description><![CDATA[I&#039;m a little behind on your posts so just got around to reading this one.  I&#039;m a little confused about post #2 where the person says she makes $70k and puts 10% in to her Roth (I assume IRA not 401k).  Wouldn&#039;t that be $7k, which is $2k above the maximum allowed limit?]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m a little behind on your posts so just got around to reading this one.  I&#8217;m a little confused about post #2 where the person says she makes $70k and puts 10% in to her Roth (I assume IRA not 401k).  Wouldn&#8217;t that be $7k, which is $2k above the maximum allowed limit?</p>
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		<title>By: Georgia</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920835</link>
		<dc:creator>Georgia</dc:creator>
		<pubDate>Wed, 11 Aug 2010 20:43:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920835</guid>
		<description><![CDATA[I love to do dishes also.  But it is because, when I was 15, I lied about my age and got a job washing dishes in a very fancy restaurant.  It is still in business in Springfield, IL and is over 150 years old.  It took us from 11:30-5:00 p.m. just to do the lunch dishes.  They were done by machine and there were 2 people working the machine-one to put  it and one to take out.  Both of us cleaned the dishes off before putting in the machine.

I went home and told my mother I would never complain about doing dishes again, even at Thanksgiving.  And I never did.  When my sister &amp; I had an apartment together, I loved to wash and she loved to dry.  Good combo for us.

Now, since I am alone, I put 1/3 - 1/2 tub soapy water in one sink and 1/3 - 1/2 tub water with 1/2 - 1 cup vinegar added.  This keeps me from wasting water and I then use the water for other things, such as watering plants, flushing the stool, etc.  A dishwasher would be a big waste of money for me.]]></description>
		<content:encoded><![CDATA[<p>I love to do dishes also.  But it is because, when I was 15, I lied about my age and got a job washing dishes in a very fancy restaurant.  It is still in business in Springfield, IL and is over 150 years old.  It took us from 11:30-5:00 p.m. just to do the lunch dishes.  They were done by machine and there were 2 people working the machine-one to put  it and one to take out.  Both of us cleaned the dishes off before putting in the machine.</p>
<p>I went home and told my mother I would never complain about doing dishes again, even at Thanksgiving.  And I never did.  When my sister &amp; I had an apartment together, I loved to wash and she loved to dry.  Good combo for us.</p>
<p>Now, since I am alone, I put 1/3 &#8211; 1/2 tub soapy water in one sink and 1/3 &#8211; 1/2 tub water with 1/2 &#8211; 1 cup vinegar added.  This keeps me from wasting water and I then use the water for other things, such as watering plants, flushing the stool, etc.  A dishwasher would be a big waste of money for me.</p>
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		<title>By: JonFrance</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920798</link>
		<dc:creator>JonFrance</dc:creator>
		<pubDate>Wed, 11 Aug 2010 15:48:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920798</guid>
		<description><![CDATA[@Eva, I wasn&#039;t being critical, and I thought it went without saying that you have a real passion for your subject.  (For the record, I would find the person from my analogy who spent two years vagabonding through Europe to be a fascinating, interesting person as well.)  I was only saying that you wouldn&#039;t get a lot of *respect* for it (at least not the same kind of respect as, say, the JD would have), because ordinary people can&#039;t relate to such a pursuit.  Really I was intending to soften the ground for any unsympathetic comments you were about to receive, but as they never came, I needn&#039;t have bothered.

For what it&#039;s worth, I have four degrees, three in subjects as &#039;frivolous&#039; or more so than yours, and paid for all of them with inherited money.  Warning you about alienating the middle class came more from my own past experience, than from any uncharitable interpretation of your situation.]]></description>
		<content:encoded><![CDATA[<p>@Eva, I wasn&#8217;t being critical, and I thought it went without saying that you have a real passion for your subject.  (For the record, I would find the person from my analogy who spent two years vagabonding through Europe to be a fascinating, interesting person as well.)  I was only saying that you wouldn&#8217;t get a lot of *respect* for it (at least not the same kind of respect as, say, the JD would have), because ordinary people can&#8217;t relate to such a pursuit.  Really I was intending to soften the ground for any unsympathetic comments you were about to receive, but as they never came, I needn&#8217;t have bothered.</p>
<p>For what it&#8217;s worth, I have four degrees, three in subjects as &#8216;frivolous&#8217; or more so than yours, and paid for all of them with inherited money.  Warning you about alienating the middle class came more from my own past experience, than from any uncharitable interpretation of your situation.</p>
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		<title>By: cathy</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920735</link>
		<dc:creator>cathy</dc:creator>
		<pubDate>Tue, 10 Aug 2010 22:11:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920735</guid>
		<description><![CDATA[I&#039;m not sure if I agree with your thought on used freezers. I bought a large used freezer 25 years ago for $20 and it has never caused me any problems. You buy a freezer today and I doubt it will last that long and then you have to fork out the money for another new freezer. With all the hype about energy use, I know I&#039;m way ahead of the game with this old freezer and will use it until it dies. Our family actually has two used freezers and very low energy bills compared to others with a family as large as ours.

As for dishwashers, we save a lot just by doing our dishes by hand. Breakfast dishes get done in extremely hot soapy water, then I use the same water for cleaning up my bread making/baking utensils, then the same water for wiping stuff down.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m not sure if I agree with your thought on used freezers. I bought a large used freezer 25 years ago for $20 and it has never caused me any problems. You buy a freezer today and I doubt it will last that long and then you have to fork out the money for another new freezer. With all the hype about energy use, I know I&#8217;m way ahead of the game with this old freezer and will use it until it dies. Our family actually has two used freezers and very low energy bills compared to others with a family as large as ours.</p>
<p>As for dishwashers, we save a lot just by doing our dishes by hand. Breakfast dishes get done in extremely hot soapy water, then I use the same water for cleaning up my bread making/baking utensils, then the same water for wiping stuff down.</p>
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		<title>By: CAT</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920696</link>
		<dc:creator>CAT</dc:creator>
		<pubDate>Tue, 10 Aug 2010 18:48:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920696</guid>
		<description><![CDATA[Amy~ I would be very happy to take 10% of your income off of your hands. I work to pay the bills, I technically have a &quot;good job&quot; with benefits, but the nice perks are not paying rent. And I&#039;m a frugal fanny to a fault, my friends think I&#039;m nuts when I wash out zip lock bags and save tinfoil.]]></description>
		<content:encoded><![CDATA[<p>Amy~ I would be very happy to take 10% of your income off of your hands. I work to pay the bills, I technically have a &#8220;good job&#8221; with benefits, but the nice perks are not paying rent. And I&#8217;m a frugal fanny to a fault, my friends think I&#8217;m nuts when I wash out zip lock bags and save tinfoil.</p>
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		<title>By: Lisa</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920657</link>
		<dc:creator>Lisa</dc:creator>
		<pubDate>Tue, 10 Aug 2010 15:29:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920657</guid>
		<description><![CDATA[I love the Netflix comment, as the &quot;by-proxy-through-grandchild&quot; was the only way my Nana ever experienced the internet. Nana was in her mid-80s by the time the internet even got to be useful, and I was in college/grad school. She had NO intention of even touching a computer (was afraid she would break it) but was interested in hearing me talk about the things I found/learned there. When she would see something mentioned in the newspaper, the AARP magazine or on TV that involved the internet, I&#039;d often get a call  asking &quot;could I find out more about XYZ on the computer?&quot; So off I&#039;d search, print out what she wanted or needed; usually a health related article, something about nutrition or something about a charity she liked. I&#039;d mail her the info, she&#039;d be so happy. Very analog for her, but time helping my Nana for me. Smile.]]></description>
		<content:encoded><![CDATA[<p>I love the Netflix comment, as the &#8220;by-proxy-through-grandchild&#8221; was the only way my Nana ever experienced the internet. Nana was in her mid-80s by the time the internet even got to be useful, and I was in college/grad school. She had NO intention of even touching a computer (was afraid she would break it) but was interested in hearing me talk about the things I found/learned there. When she would see something mentioned in the newspaper, the AARP magazine or on TV that involved the internet, I&#8217;d often get a call  asking &#8220;could I find out more about XYZ on the computer?&#8221; So off I&#8217;d search, print out what she wanted or needed; usually a health related article, something about nutrition or something about a charity she liked. I&#8217;d mail her the info, she&#8217;d be so happy. Very analog for her, but time helping my Nana for me. Smile.</p>
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		<title>By: Ruth</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920648</link>
		<dc:creator>Ruth</dc:creator>
		<pubDate>Tue, 10 Aug 2010 14:49:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920648</guid>
		<description><![CDATA[This Reply is for EVA.

The response is never count your chickens before they are hatched. 

My great grandmother was in a similar situation at age 90. She had set up some inheritance for her family members. She also wanted to move into assisted living. At 90 she didn&#039;t think that she would be there long, costing over $7000 weekly.  Well, she is now 105 and still going very strong. The inheritance has been wiped out. 

Secondly, it’s not your money. If your grandfather decides to change his mind and leave everything to charity. Guess what, there is nothing that you can do.]]></description>
		<content:encoded><![CDATA[<p>This Reply is for EVA.</p>
<p>The response is never count your chickens before they are hatched. </p>
<p>My great grandmother was in a similar situation at age 90. She had set up some inheritance for her family members. She also wanted to move into assisted living. At 90 she didn&#8217;t think that she would be there long, costing over $7000 weekly.  Well, she is now 105 and still going very strong. The inheritance has been wiped out. </p>
<p>Secondly, it’s not your money. If your grandfather decides to change his mind and leave everything to charity. Guess what, there is nothing that you can do.</p>
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		<title>By: DougR</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920636</link>
		<dc:creator>DougR</dc:creator>
		<pubDate>Tue, 10 Aug 2010 13:40:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920636</guid>
		<description><![CDATA[To Amy:  first off, I think your guilt feelings are a little misplaced, but I respect your awareness that things are easy for you and hubby because of the path you chose and plain good luck, rather than assuming &quot;I&#039;m making all this money therefore I must be better than everyone else&quot; (the &quot;born on Third and thinks he hit a triple&quot; entitlement attitude all too common today [end of sermon]). I think suggesting a therapist is WAY extreme, unless you have excessive self-stinting behavior going on elsewhere in your life; therapists aside, there are some good suggestions here (I&#039;ll be looking into modestneeds.org myself later). 

Becky: All too familiar to me!:  &quot;I am worried that if I pay off my cards, I will get myself right back into debt because of this mentality of wanting things.&quot; I&#039;d just like to plug Debtors Anonymous, which I&#039;ve found extremely helpful with that mindset. It&#039;s a 12-step org that addresses compulsions, money management, debt repayment, and enlightened self-care all at once.]]></description>
		<content:encoded><![CDATA[<p>To Amy:  first off, I think your guilt feelings are a little misplaced, but I respect your awareness that things are easy for you and hubby because of the path you chose and plain good luck, rather than assuming &#8220;I&#8217;m making all this money therefore I must be better than everyone else&#8221; (the &#8220;born on Third and thinks he hit a triple&#8221; entitlement attitude all too common today [end of sermon]). I think suggesting a therapist is WAY extreme, unless you have excessive self-stinting behavior going on elsewhere in your life; therapists aside, there are some good suggestions here (I&#8217;ll be looking into modestneeds.org myself later). </p>
<p>Becky: All too familiar to me!:  &#8220;I am worried that if I pay off my cards, I will get myself right back into debt because of this mentality of wanting things.&#8221; I&#8217;d just like to plug Debtors Anonymous, which I&#8217;ve found extremely helpful with that mindset. It&#8217;s a 12-step org that addresses compulsions, money management, debt repayment, and enlightened self-care all at once.</p>
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		<title>By: Pat</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920633</link>
		<dc:creator>Pat</dc:creator>
		<pubDate>Tue, 10 Aug 2010 12:55:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920633</guid>
		<description><![CDATA[@Todd #28 - I really thought I was the only one who loves to wash dishes!  People think I&#039;m really weird when I say I do, but I find it very, very relaxing.  Occasionally I listen to music but I truly enjoy listening to books on CD while doing my dishes.  After a long day working at a middle school doing dishes by myself is a wonderful tonic.  Though I have to admit when we have dinner parties I do load the dishwasher a few times a year.]]></description>
		<content:encoded><![CDATA[<p>@Todd #28 &#8211; I really thought I was the only one who loves to wash dishes!  People think I&#8217;m really weird when I say I do, but I find it very, very relaxing.  Occasionally I listen to music but I truly enjoy listening to books on CD while doing my dishes.  After a long day working at a middle school doing dishes by myself is a wonderful tonic.  Though I have to admit when we have dinner parties I do load the dishwasher a few times a year.</p>
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		<title>By: getagrip</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920626</link>
		<dc:creator>getagrip</dc:creator>
		<pubDate>Tue, 10 Aug 2010 12:38:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920626</guid>
		<description><![CDATA[@ Amy  I echo jims advice in comment number 18.  You don&#039;t need to feel guilty, just make the big decisions on percentages saved, lived on, and for fun, and spend consciously, more for decent experiences than for &quot;stuff&quot;.  If you&#039;re actually using and enjoying the things you buy, there should be no guilt.  

However, I get the feeling that since you mention it&#039;s kind of pointless to &quot;save&quot; more, that you&#039;re spending because you can and you are aimlessly buying or spending money on things that hit your fancy of the moment and then when you mention it to your family or less well off friends you&#039;re getting the looks or comments which are making you feel guilty.  

Maybe you would feel less guilty if you realized it&#039;s kind of pointless to spend gobs of money on things that don&#039;t really matter to you.  

That said, if you are meeting your current goals, then you shouldn&#039;t feel guilty no matter how you spend your money.  Frugality isn&#039;t about hoarding money, it&#039;s about spending it consciously on those things that give personal joy, despite what others think.  If your other goals are met and you love shoes, buy shoes.  Love motorcycles, buy motorcycles.  Love art, buy art.  You are going to have to find the balance for now, and understand that it will change as your life changes since what may be important to you now will be meaningless in ten years.]]></description>
		<content:encoded><![CDATA[<p>@ Amy  I echo jims advice in comment number 18.  You don&#8217;t need to feel guilty, just make the big decisions on percentages saved, lived on, and for fun, and spend consciously, more for decent experiences than for &#8220;stuff&#8221;.  If you&#8217;re actually using and enjoying the things you buy, there should be no guilt.  </p>
<p>However, I get the feeling that since you mention it&#8217;s kind of pointless to &#8220;save&#8221; more, that you&#8217;re spending because you can and you are aimlessly buying or spending money on things that hit your fancy of the moment and then when you mention it to your family or less well off friends you&#8217;re getting the looks or comments which are making you feel guilty.  </p>
<p>Maybe you would feel less guilty if you realized it&#8217;s kind of pointless to spend gobs of money on things that don&#8217;t really matter to you.  </p>
<p>That said, if you are meeting your current goals, then you shouldn&#8217;t feel guilty no matter how you spend your money.  Frugality isn&#8217;t about hoarding money, it&#8217;s about spending it consciously on those things that give personal joy, despite what others think.  If your other goals are met and you love shoes, buy shoes.  Love motorcycles, buy motorcycles.  Love art, buy art.  You are going to have to find the balance for now, and understand that it will change as your life changes since what may be important to you now will be meaningless in ten years.</p>
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		<title>By: Katharine</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920625</link>
		<dc:creator>Katharine</dc:creator>
		<pubDate>Tue, 10 Aug 2010 12:36:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920625</guid>
		<description><![CDATA[@Bruce - You need to consult with your WIFE. You barely mentioned her but she has the most important opinion. I think its rude of your family to insist that you pay for a hotel - that is also presumptuous. You can talk to your wife about paying for dinner or something along those lines but that is it.

@Jacob - As a Durham local and researcher - Trent is right. Absolutely go ahead and apply for anything you see. Hiring in this area for those types of jobs take time and due to most being grant funded it is often that the start date is not very soon. Even if they are looking for a candidate to work sooner it will still help to get your name out in the area.]]></description>
		<content:encoded><![CDATA[<p>@Bruce &#8211; You need to consult with your WIFE. You barely mentioned her but she has the most important opinion. I think its rude of your family to insist that you pay for a hotel &#8211; that is also presumptuous. You can talk to your wife about paying for dinner or something along those lines but that is it.</p>
<p>@Jacob &#8211; As a Durham local and researcher &#8211; Trent is right. Absolutely go ahead and apply for anything you see. Hiring in this area for those types of jobs take time and due to most being grant funded it is often that the start date is not very soon. Even if they are looking for a candidate to work sooner it will still help to get your name out in the area.</p>
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		<title>By: Maria</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920623</link>
		<dc:creator>Maria</dc:creator>
		<pubDate>Tue, 10 Aug 2010 12:24:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920623</guid>
		<description><![CDATA[@Becky - There is a different between &quot;I want this&quot; and &quot;Oh my GOD, I WANT this SO MUCH I could CRY&quot;... I suspect you might be talking about the latter statement.  Many people in debt got there acquiring goods to replace something else or for the adrenaline rush.  The root problems are still there and the rush goes away when you get home and the visa bill comes in.  Perhaps you might want to consider finding a way to ease your DESIRE to purchase - that might take the burden off your commendable financial path!  Although this one is off topic, it was very useful- Stuff: Compulsive Hoarding and the Meaning of Things.  Don&#039;t buy it!! Get if from the library :-) - then search for compulsive shopping... you&#039;ll find many ways to take the edge off.
And I wish you the very best of luck!]]></description>
		<content:encoded><![CDATA[<p>@Becky &#8211; There is a different between &#8220;I want this&#8221; and &#8220;Oh my GOD, I WANT this SO MUCH I could CRY&#8221;&#8230; I suspect you might be talking about the latter statement.  Many people in debt got there acquiring goods to replace something else or for the adrenaline rush.  The root problems are still there and the rush goes away when you get home and the visa bill comes in.  Perhaps you might want to consider finding a way to ease your DESIRE to purchase &#8211; that might take the burden off your commendable financial path!  Although this one is off topic, it was very useful- Stuff: Compulsive Hoarding and the Meaning of Things.  Don&#8217;t buy it!! Get if from the library :-) &#8211; then search for compulsive shopping&#8230; you&#8217;ll find many ways to take the edge off.<br />
And I wish you the very best of luck!</p>
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		<title>By: deRuiter</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920621</link>
		<dc:creator>deRuiter</dc:creator>
		<pubDate>Tue, 10 Aug 2010 10:56:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920621</guid>
		<description><![CDATA[It depends upon your dishwashing technique, and your opinion, no naswer is wrong if it&#039;s what suits you.  In our small kitchen, there isn&#039;t room for a dish washer, can&#039;t give up the under counter storage.  Then we are only two and the idea of dirty dishes sitting in a dish washer for a couple of days is not attractive.  We do the dishes in a dish pan, and rinse over  a second dish pan.  This technique uses very little water.  The &quot;New York City&quot; technique is to squeeze some dish washer liquid on a rag and do dishes under constantly running water, very wasteful method.  In nice weather, when the heat isn&#039;t on, all the dishwashing and rinsing water is toted outside and poured on the potted plants on the terrace, or the flower bed, so we get a second use from the water.  The little bit of mild soap keeps insects off the plants. Since our water is metered, it&#039;s nice to be able to use some of it twice!]]></description>
		<content:encoded><![CDATA[<p>It depends upon your dishwashing technique, and your opinion, no naswer is wrong if it&#8217;s what suits you.  In our small kitchen, there isn&#8217;t room for a dish washer, can&#8217;t give up the under counter storage.  Then we are only two and the idea of dirty dishes sitting in a dish washer for a couple of days is not attractive.  We do the dishes in a dish pan, and rinse over  a second dish pan.  This technique uses very little water.  The &#8220;New York City&#8221; technique is to squeeze some dish washer liquid on a rag and do dishes under constantly running water, very wasteful method.  In nice weather, when the heat isn&#8217;t on, all the dishwashing and rinsing water is toted outside and poured on the potted plants on the terrace, or the flower bed, so we get a second use from the water.  The little bit of mild soap keeps insects off the plants. Since our water is metered, it&#8217;s nice to be able to use some of it twice!</p>
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		<title>By: Cathie Rohleder</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920611</link>
		<dc:creator>Cathie Rohleder</dc:creator>
		<pubDate>Tue, 10 Aug 2010 03:42:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920611</guid>
		<description><![CDATA[Becky, I feel the same way as you. One thing that has been a tremendous help to me is reading a bit on consumerism in America. I first read about getting my budget on track, and that caused me to explore why I shop, browse, and buy. Why do I have so much unused junk collecting dust in my house? Part of the reason is due to advertisers. It is their job to encourage us to want things and spend our money on items we think we need. Thinking of myself as a sucker to their methods really helps me dig my heels in and vow not to fall prey to advertising, and helps me stick to my goals of getting out of debt.....now, if I could just convince my husband....Good luck!]]></description>
		<content:encoded><![CDATA[<p>Becky, I feel the same way as you. One thing that has been a tremendous help to me is reading a bit on consumerism in America. I first read about getting my budget on track, and that caused me to explore why I shop, browse, and buy. Why do I have so much unused junk collecting dust in my house? Part of the reason is due to advertisers. It is their job to encourage us to want things and spend our money on items we think we need. Thinking of myself as a sucker to their methods really helps me dig my heels in and vow not to fall prey to advertising, and helps me stick to my goals of getting out of debt&#8230;..now, if I could just convince my husband&#8230;.Good luck!</p>
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		<title>By: Jennifer</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920610</link>
		<dc:creator>Jennifer</dc:creator>
		<pubDate>Tue, 10 Aug 2010 03:35:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920610</guid>
		<description><![CDATA[Amy,

I think it is totally normal to feel how you do. I felt the same way when I graduated from college, and was already making more than my parents made. I would just reiterate that things can change, though. Right now you are in a great place financially, and it sounds like you are doing some good things, like funding your retirement, setting aside emergency money, and buying a home. 

What I would challenge you to do is to look at what your life would look like over the next few years if your situation were to change. What if you stopped being happy at your job, or lost it altogether? What kind of protections would you want in place? I think the advice of paying off all non-mortgage debt is very good, but I would add that paying down the mortgage would be amazing as well. Looking into a program like Dave Ramsey might help you to get your financial goals in line at a great time for you to tackle them. Imagine being married in a few years with no mortgage, or single with unlimited freedom to travel, take on part time work, or do whatever you want. Right now you have a tremendous blessing, and it sounds like you know that, but aren&#039;t sure what direction to go in with such a large income shift.

I also want to say that everyone who counsels Amy to seek professional help so quickly need to consider that she is 23, and has a great job right out of college, without a lot of financial guidance from people she trusts. I think that is why she asked the question. Why is it considered okay to be rude to people just because it is an internet forum? Would you say that to someone you just met face to face?]]></description>
		<content:encoded><![CDATA[<p>Amy,</p>
<p>I think it is totally normal to feel how you do. I felt the same way when I graduated from college, and was already making more than my parents made. I would just reiterate that things can change, though. Right now you are in a great place financially, and it sounds like you are doing some good things, like funding your retirement, setting aside emergency money, and buying a home. </p>
<p>What I would challenge you to do is to look at what your life would look like over the next few years if your situation were to change. What if you stopped being happy at your job, or lost it altogether? What kind of protections would you want in place? I think the advice of paying off all non-mortgage debt is very good, but I would add that paying down the mortgage would be amazing as well. Looking into a program like Dave Ramsey might help you to get your financial goals in line at a great time for you to tackle them. Imagine being married in a few years with no mortgage, or single with unlimited freedom to travel, take on part time work, or do whatever you want. Right now you have a tremendous blessing, and it sounds like you know that, but aren&#8217;t sure what direction to go in with such a large income shift.</p>
<p>I also want to say that everyone who counsels Amy to seek professional help so quickly need to consider that she is 23, and has a great job right out of college, without a lot of financial guidance from people she trusts. I think that is why she asked the question. Why is it considered okay to be rude to people just because it is an internet forum? Would you say that to someone you just met face to face?</p>
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		<title>By: Erin</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920596</link>
		<dc:creator>Erin</dc:creator>
		<pubDate>Tue, 10 Aug 2010 01:05:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920596</guid>
		<description><![CDATA[Amy - keep in mind when your parents &quot;remind&quot; you they made less than you do now - there&#039;s a little thing called inflation to take into account. Don&#039;t let other people make you feel guilty because you are reaping the rewards of hard work.

@Todd #28 - I had to re-read your comment twice to make sure you seriously said you love washing the dishes! I HATE washing dishes - and I grew up without a dishwasher too. It may have built character, but my sister and I hated having to wash and dry every night after dinner. At this point in my life I would never consider living anywhere without a dishwasher!]]></description>
		<content:encoded><![CDATA[<p>Amy &#8211; keep in mind when your parents &#8220;remind&#8221; you they made less than you do now &#8211; there&#8217;s a little thing called inflation to take into account. Don&#8217;t let other people make you feel guilty because you are reaping the rewards of hard work.</p>
<p>@Todd #28 &#8211; I had to re-read your comment twice to make sure you seriously said you love washing the dishes! I HATE washing dishes &#8211; and I grew up without a dishwasher too. It may have built character, but my sister and I hated having to wash and dry every night after dinner. At this point in my life I would never consider living anywhere without a dishwasher!</p>
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		<title>By: Todd</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920592</link>
		<dc:creator>Todd</dc:creator>
		<pubDate>Tue, 10 Aug 2010 00:24:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920592</guid>
		<description><![CDATA[It&#039;s not just a financial issue.  I love washing dishes, and I hate loading and unloading the dishwasher.  It seems so mechanical and takes two different sessions of dealing with the dishes.  (In our house, my wife is a foodie and loves to cook, so she cooks and I then clean up the kitchen afterwards.  That&#039;s always been our arrangement.)  

I usually handwash and use the top rack of the dishwasher (right by the sink) as a drying rack.  Even when I occasionally used the DW, I often had a few pans or wooden spoons or knives that needed to be handwashed anyway--so now I just handwash everything.  I like having everything done and put away at the end, and the little extra time it takes to handwash and dry is my &quot;alone&quot; time to listen to music after dinner.  

I have fond memories of washing and drying dishes with my parents as a kid.  (Believe me, that was the only way that we in any way resembled the family on &quot;Leave it to Beaver.&quot;)

Does anyone else enjoy handwashing dishes?]]></description>
		<content:encoded><![CDATA[<p>It&#8217;s not just a financial issue.  I love washing dishes, and I hate loading and unloading the dishwasher.  It seems so mechanical and takes two different sessions of dealing with the dishes.  (In our house, my wife is a foodie and loves to cook, so she cooks and I then clean up the kitchen afterwards.  That&#8217;s always been our arrangement.)  </p>
<p>I usually handwash and use the top rack of the dishwasher (right by the sink) as a drying rack.  Even when I occasionally used the DW, I often had a few pans or wooden spoons or knives that needed to be handwashed anyway&#8211;so now I just handwash everything.  I like having everything done and put away at the end, and the little extra time it takes to handwash and dry is my &#8220;alone&#8221; time to listen to music after dinner.  </p>
<p>I have fond memories of washing and drying dishes with my parents as a kid.  (Believe me, that was the only way that we in any way resembled the family on &#8220;Leave it to Beaver.&#8221;)</p>
<p>Does anyone else enjoy handwashing dishes?</p>
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		<title>By: Piggy Bank</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920590</link>
		<dc:creator>Piggy Bank</dc:creator>
		<pubDate>Mon, 09 Aug 2010 23:30:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920590</guid>
		<description><![CDATA[Netflix is an awesome way to save money. We have found so many of our favorite shows to watch in our instant que that we have opted not to have cable. Between watching shows a week later online and optimizing netflix we are saving an extra 70 dollars a month.]]></description>
		<content:encoded><![CDATA[<p>Netflix is an awesome way to save money. We have found so many of our favorite shows to watch in our instant que that we have opted not to have cable. Between watching shows a week later online and optimizing netflix we are saving an extra 70 dollars a month.</p>
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		<title>By: Des</title>
		<link>http://www.thesimpledollar.com/2010/08/09/reader-mailbag-when-do-i-write-mailbags/#comment-920587</link>
		<dc:creator>Des</dc:creator>
		<pubDate>Mon, 09 Aug 2010 21:57:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5747#comment-920587</guid>
		<description><![CDATA[RE: Dishes

Treehugger has a comparison with actual dollar amount (which is probably more what you were expecting to see from Trent). Their conclusion is that, generally, a dishwasher is more efficient. You *can* beat a dishwasher&#039;s efficiency, but you have to try very hard and be very misery about your water use. For most families, the dishwasher saves time and resources.]]></description>
		<content:encoded><![CDATA[<p>RE: Dishes</p>
<p>Treehugger has a comparison with actual dollar amount (which is probably more what you were expecting to see from Trent). Their conclusion is that, generally, a dishwasher is more efficient. You *can* beat a dishwasher&#8217;s efficiency, but you have to try very hard and be very misery about your water use. For most families, the dishwasher saves time and resources.</p>
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