Jen- my DH says one tenth. I agree with your friend. I am not very good at these!
Nichole- I feel bad for your nephews. However, I have been in your brother's shoes financially a couple of years. They were blessed to have a neighbor who signed them up for a program called the giving tree. They each received a few special packages. it was hard to accept. We felt others were more needy.
Linda- take care of yourself.
Hedgie- I am sorry that you are not feeling well.