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					<description><![CDATA[Clear, concise, and effective.]]></description>
			<content:encoded><![CDATA[<p>Clear, concise, and effective.</p>
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					<description><![CDATA[Clear, concise, and effective.]]></description>
			<content:encoded><![CDATA[<p>Clear, concise, and effective.</p>
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		<link>https://growingupsc.com/financial-fitness/comment-page-1/#comment-961778</link>

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			<content:encoded><![CDATA[<p>This article is a gem.</p>
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		By: Ceco		</title>
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		<pubDate>Fri, 13 Aug 2021 20:28:27 +0000</pubDate>
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					<description><![CDATA[Comment for the new Family Finance Colum: What do you suggest in terms of saving for those of us who are renters and are now in our 40/50s with elemtary school age kids; double-income with solid jobs; and don&#039;t see purchasing a home in Santa Cruz as attainable? Saving up a 20% downpayment when the median house price is $1.3 mil doesn&#039;t seem possible. How can we possibly save up $260,000? If you were/are in this position what would/do you do? How do you prioritize paying down debt, saving for a house, saving for college for your kids? Like many families we have things come up like car payments, medical bills, kids expenses (after school care, summer camps, clothes/shoes, sports gear, etc). Even with triming back expenses (keeping rent as low as possible by living in a small space, not eating out, buying used, finding bargains) and trying to stick to a budget, saving just seems impossible. Once we save up some money there alwasy seems to be something big that comes up like car repairs, dental work, etc that eat it up. We are always asking ourselves: How do people do it? What&#039;s their secret? How can people afford to buy a home here? We talk about moving out of the area but California is generally expensive and moving away from family, friends and our support network is just not appealing. We tried to move out-of-state for a while and it just didn&#039;t work well for us. Is there something we are missing? I just don&#039;t get how people do it.]]></description>
			<content:encoded><![CDATA[<p>Comment for the new Family Finance Colum: What do you suggest in terms of saving for those of us who are renters and are now in our 40/50s with elemtary school age kids; double-income with solid jobs; and don&#8217;t see purchasing a home in Santa Cruz as attainable? Saving up a 20% downpayment when the median house price is $1.3 mil doesn&#8217;t seem possible. How can we possibly save up $260,000? If you were/are in this position what would/do you do? How do you prioritize paying down debt, saving for a house, saving for college for your kids? Like many families we have things come up like car payments, medical bills, kids expenses (after school care, summer camps, clothes/shoes, sports gear, etc). Even with triming back expenses (keeping rent as low as possible by living in a small space, not eating out, buying used, finding bargains) and trying to stick to a budget, saving just seems impossible. Once we save up some money there alwasy seems to be something big that comes up like car repairs, dental work, etc that eat it up. We are always asking ourselves: How do people do it? What&#8217;s their secret? How can people afford to buy a home here? We talk about moving out of the area but California is generally expensive and moving away from family, friends and our support network is just not appealing. We tried to move out-of-state for a while and it just didn&#8217;t work well for us. Is there something we are missing? I just don&#8217;t get how people do it.</p>
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