[quote="Sailor_Kenshin, post:18, topic:269086"]
What if not everyone can (or wants to) live up to your standards?
I'm just suggesting ways you can live a simpler life. I know a lot of people who cannot use public transportation (it just doesn't go there). who cannot do without the extra cell services or without a cell phone (job, family, parish duties). who cannot restrict vacations to day trips (distant family, vacation combined with employment travel).
But some have never considered a simpler way.
Do you really need cable, or could you get your DVD's from the library?
Do you need internet at home if you have it at work or in the library?
Each person needs to decide, prayerfully, what is needed, wanted, and superfluous?
As to gross or net. That is part of the question. I use gross. It's what I get paid, and taxes are a way for me to pay for many of the services I use (like public transporation, roads, phones, library, healthcare, retirement) Since I am paying for these, it is part of my income.
But, you don't NEED to give 10%, it's just a target. But if you say 'net' what do you exclude: taxes, SSI, FICA, IRA, 401K, Utilities, Car Payments, Life Insurance, Health Insurance, Tuition, Work travel expenses, interest expenses.
If you want, you can get net down to 20$/month :)