Message
We averaged $900 in 2022 and $929 so far in 2023. That's for two adults and a toddler. This was $662 in 2021 and $715 in 2020 - but I don't know whether the increase is our toddler eating solids, pandemic pricing, or both.
Anonymous wrote:Joke’s on Ramit. Who believes that someone worth $30 million is going to be whining on an Internet forum?


Anonymous wrote:
Anonymous wrote:I’m listening to his podcast and 22 minutes into episode 16 he says:

One of my favorite things to do is to read forums where ultra high net worth people share their f***ing delusional philosophies on money. I’m obsessed with this one mommy forum, it’s called DC Urban Mom and there’s a discussion thread where someone who has $30 million says they can’t afford to fly private. Not even once. They said maybe when we have $100 million. …the same forum has other threads where someone who makes $250k a year says they can’t go on vacation.


I think it’s great that DCUM routinely recommends Ramit’s book while he comes here to laugh at how insane we all are. The full quote has more swearing it haha y’all got him fired up.


Have you considered that maybe it's Ramit himself recommending his book here?


Have you considered that maybe I, the OP, am Ramit?

Ramit Sethiception
Anonymous wrote:This is my first month of YNAB (referred by DCUM) and I’m still working on figuring out where all of my money is going but I guess it is good to know all of this stuff.

I showed DH the budget this morning, and we agreed to cancel a monthly coffee subscription and I told him I was going to cancel our wine club subscription after we get our next shipment next month.

We can realistically get both cheaper at the grocery store.


One of us! One of us!

I’m a huge YNAB fan - let me know if you have any questions as you’re getting started!
Anonymous wrote:
Anonymous wrote:Why do you think it should be done in 21 days?


Because it says on the IRS website that if you filed electronically, you should receive your refund in 21 days.


That should is putting in work here.
Anonymous wrote:I am receiving an inheritance and am trying to figure out what to do with the money.

Does it make sense to pay off current mortgage? There is a possibility that I might move in 3-5 years, so if I save/invest, I’d need to have access to it quickly. What would you do?


The r/personalfinance flowchart from reddit is always a good place to start


https://i.imgur.com/lSoUQr2.png

But yeah, mathematically it doesn't make sense to pay off your 3% mortgage. We'd have to know a lot more about your financial picture and goals for anyone to provide a good answer but putting the money in a HYSA earning 4% is a good place to start while you figure it out.
Anonymous wrote:According to the BLS this is the average monthly spend by household in 2021:

1-person: 41k
2-person: 69k
3-person: 79k
4-person: 93k

Probably need to add about 10% to those for 2023.


Anonymous wrote:Shill


Do people here have an inflated sense of DCUM's reach or something??

I randomly saw someone mention this site on reddit and nobody I've ever asked has ever heard of it. The house is listed on Zillow and Redfin and everywhere else. What possible benefit could shilling for a house here have?
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:The staging is all wrong. They put cheap Wayfair "contemporary" furniture into an American Foursquare style home...which happens to have Greek-style pillars on the exterior which is also all wrong.

Location is great though!


A full front porch with either greek or craftsman inspired boxed columns is another typical feature. Though often without the intricate detailing of the Queen Anne style, these porches were a prominent part of almost every Foursquare.
https://thecraftsmanblog.com/american-foursquare-style/

Thus the iconic versions often feature massive stone porch columns, banding and other emphasis on horizontal lines, and low-pitched roofs with wide overhangs and exposed rafters.

The Foursquare has served as the canvas for many revival styles of the 20th century: Late Victorian, Colonial, Spanish, Greek, to name a few. That's why you will often see Foursquares described by their styling. Many realtors and homeowners conflate the style and the form, assuming that they are mutually exclusive. But it is quite possible for a house to be a Foursquare and look like a Colonial Revival at the same time.
https://www.oldhouses.com/styleguide/american-foursquares

I'd wager those pillars are original to the house.


OP. Right? LOVE.


Yeah I definitely love this house. Genuinely surprised by how many people see it differently!
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:The staging is all wrong. They put cheap Wayfair "contemporary" furniture into an American Foursquare style home...which happens to have Greek-style pillars on the exterior which is also all wrong.

Location is great though!


A full front porch with either greek or craftsman inspired boxed columns is another typical feature. Though often without the intricate detailing of the Queen Anne style, these porches were a prominent part of almost every Foursquare.
https://thecraftsmanblog.com/american-foursquare-style/

Thus the iconic versions often feature massive stone porch columns, banding and other emphasis on horizontal lines, and low-pitched roofs with wide overhangs and exposed rafters.

The Foursquare has served as the canvas for many revival styles of the 20th century: Late Victorian, Colonial, Spanish, Greek, to name a few. That's why you will often see Foursquares described by their styling. Many realtors and homeowners conflate the style and the form, assuming that they are mutually exclusive. But it is quite possible for a house to be a Foursquare and look like a Colonial Revival at the same time.
https://www.oldhouses.com/styleguide/american-foursquares

I'd wager those pillars are original to the house.


Yes to the pillars. But four-squares have ionic pillars in keeping with the simple style of the house. Not corinthian pillars.


Maybe the architect was feeling a bit extra back in the 1920s. Cool house overlooking the potomac like that? give 'em the 'ol razzle dazzle
Anonymous wrote:The staging is all wrong. They put cheap Wayfair "contemporary" furniture into an American Foursquare style home...which happens to have Greek-style pillars on the exterior which is also all wrong.

Location is great though!


A full front porch with either greek or craftsman inspired boxed columns is another typical feature. Though often without the intricate detailing of the Queen Anne style, these porches were a prominent part of almost every Foursquare.
https://thecraftsmanblog.com/american-foursquare-style/

Thus the iconic versions often feature massive stone porch columns, banding and other emphasis on horizontal lines, and low-pitched roofs with wide overhangs and exposed rafters.

The Foursquare has served as the canvas for many revival styles of the 20th century: Late Victorian, Colonial, Spanish, Greek, to name a few. That's why you will often see Foursquares described by their styling. Many realtors and homeowners conflate the style and the form, assuming that they are mutually exclusive. But it is quite possible for a house to be a Foursquare and look like a Colonial Revival at the same time.
https://www.oldhouses.com/styleguide/american-foursquares

I'd wager those pillars are original to the house.
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:Inherited non co-mingled assets are not considered community property. If he puts her name on the deed, it becomes co-mingled. If he passes away and his will doesn't have explicit instructions for dealing with the home, she will inherit it.


Her name can be added to it even though she has not paid 1 single red cent into the home?
yes, but can you use less racist language?


Racist against copper?


Yeah I want to hear how red cent is racist too.
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:NP, Fairfax County, and I am wondering if we have a hidden water leak. Just paid $336 for 24,000 gallons of water use, which seems incredibly high. Lots of showers, dishes, laundry, but we don't water our yard.

We pay separately for trash (American, included in HOA fee). A few years we moved from Fairfax City, where the city handled trash collection, and I would move back in a heartbeat if interest rates were lower. Not a fan of the county.


Is that 24,000 gallons in a month? Because yeah, that's a lot of water.


Even if that's in a quarter that's a lot! Our average for a family of 4 in Fairfax county is 9k gallons of use a quarter! I would definitely look for leaks.


We hit 31,000 in a quarter before getting a smart(er) sprinkler controller. But then we've had 24,000 and 25,000 quarters as our two highest after that. But that's including watering the yard. So if they're not doing that's awfully high for a quarter and absurd for a month.


WOw, I had no idea watering the yard used that much water--no wonder there are environmental controls. We have a 1/4 acre in Nova and I never water my yard--maybe a drip hose in the vegetable garden on really dry times that happen a handful of times a summer. It rains so much here, watering seems superfluous.


Well 15,000 and 18,000 have been our lowest quarters so we were never in the 9,000 gallon range. I wonder why - toddler at home so lots of laundry?


I don't know. Our 9k average usage is with two teens that shower a lot (thankfully!) but they are pretty quick about it. They also each do their own laundry so we seem to always have laundry going. We do have a water efficient front loading washer, a water efficient dishwasher and low flow toilets ---but nothing out of the norm on the water saving front--these are fairly standard now. Our bills say we're about average for usage--slightly on the lower end of the range. Maybe you have a running toilet or a small leak somewhere? Or just less water efficient appliances?


Hmmmm. I just checked and Arlington says the average household water consumption is 57,000 gallons a year or 14,250 a quarter. But 60% of Arlington households are multifamily and the average household size is 2.1 people. That makes me feel a little better but I've been thinking about getting one of those water usage sensors/meters that you instal on your inflow line and then it catches leaks, etc.
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:NP, Fairfax County, and I am wondering if we have a hidden water leak. Just paid $336 for 24,000 gallons of water use, which seems incredibly high. Lots of showers, dishes, laundry, but we don't water our yard.

We pay separately for trash (American, included in HOA fee). A few years we moved from Fairfax City, where the city handled trash collection, and I would move back in a heartbeat if interest rates were lower. Not a fan of the county.


Is that 24,000 gallons in a month? Because yeah, that's a lot of water.


Even if that's in a quarter that's a lot! Our average for a family of 4 in Fairfax county is 9k gallons of use a quarter! I would definitely look for leaks.


We hit 31,000 in a quarter before getting a smart(er) sprinkler controller. But then we've had 24,000 and 25,000 quarters as our two highest after that. But that's including watering the yard. So if they're not doing that's awfully high for a quarter and absurd for a month.


WOw, I had no idea watering the yard used that much water--no wonder there are environmental controls. We have a 1/4 acre in Nova and I never water my yard--maybe a drip hose in the vegetable garden on really dry times that happen a handful of times a summer. It rains so much here, watering seems superfluous.


Well 15,000 and 18,000 have been our lowest quarters so we were never in the 9,000 gallon range. I wonder why - toddler at home so lots of laundry?
Anonymous wrote:
Arlingtonian703 wrote:
Anonymous wrote:NP, Fairfax County, and I am wondering if we have a hidden water leak. Just paid $336 for 24,000 gallons of water use, which seems incredibly high. Lots of showers, dishes, laundry, but we don't water our yard.

We pay separately for trash (American, included in HOA fee). A few years we moved from Fairfax City, where the city handled trash collection, and I would move back in a heartbeat if interest rates were lower. Not a fan of the county.


Is that 24,000 gallons in a month? Because yeah, that's a lot of water.


Even if that's in a quarter that's a lot! Our average for a family of 4 in Fairfax county is 9k gallons of use a quarter! I would definitely look for leaks.


We hit 31,000 in a quarter before getting a smart(er) sprinkler controller. But then we've had 24,000 and 25,000 quarters as our two highest after that. But that's including watering the yard. So if they're not doing that's awfully high for a quarter and absurd for a month.
Go to: