Tell me about it, JWK. Wages aren't keeping up with the cost of living. The amounts may be different depending on where you live, but the story is the same.
Whatever you guys are talking about.....you do realize there was a bobcat sighting
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Quote Originally Posted by bobcat26:
Tell me about it, JWK. Wages aren't keeping up with the cost of living. The amounts may be different depending on where you live, but the story is the same.
Whatever you guys are talking about.....you do realize there was a bobcat sighting
I recented moved back with my parents so I have it made.
- I throw them around 500 a month for rent. I don't really HAVE to give them anything, but I throw them $1,000 here, $1,000 there to the tune of 5-6k a year. I also help out with little things like the MLB package, the NFL package, and occasionally buy groceries and shit. I also take care of my mooch little btrother with little shit, so when his fantasy baseball fee is due, I usually throw out the $200(where my parents would normally be stuck). So grand average is about 8k a year staying at home so let's say $700 A MONTH for room and board.
- Cell phone 79 a month.
- Car 300 a month.
- Insurance 100 a month.
- Gas and tolls 400 a month.
Thats really it. About $1,600 a month for absolute necessities. Anything else I spend is for myself and I have a handful of hobbies I burn money on. Books, video games, dvds, etc. I also do stuff with my gf and her daughter. Two vacations per year. I'm an on again, off again smoker so cigs occasionally. Xmas time I have a big family, so thats usually 4-5K a year on gifts(or cash).
I make 60k a year at my job. I also bring in 10k a year or so in different gambling ventures. I put $250 a month out my paycheck directly into my credit union and transfer that into my savings so I save $12-13K a year. Whatever is left goes to those necessities and my "hobbies" whether it is a couple weeks in Mrytle Beach or going out to eat on the weekend, or buying a shitload of video games and dvds.
Give me my own apartment and I cut back slightly on the fun stuff and trim my savings a year a bit.
Give me my own home(mortgage) and my savings almost go bye bye, bluray sales become Netflix rents, new hardcover books become library rentals, dinner goes from the Lobster Shanty and Cheesecake Factory to Red Lobster and Chilis, cable goes from $250 a month to the basic package, live paycheck to paycheck, double or triple my MLB and NFL bankrolls(go back to $250 a game rather than the $100 or $125 a game I've lowered to the last couple years) to give myself a few more bucks.
I'm done rambling.
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I recented moved back with my parents so I have it made.
- I throw them around 500 a month for rent. I don't really HAVE to give them anything, but I throw them $1,000 here, $1,000 there to the tune of 5-6k a year. I also help out with little things like the MLB package, the NFL package, and occasionally buy groceries and shit. I also take care of my mooch little btrother with little shit, so when his fantasy baseball fee is due, I usually throw out the $200(where my parents would normally be stuck). So grand average is about 8k a year staying at home so let's say $700 A MONTH for room and board.
- Cell phone 79 a month.
- Car 300 a month.
- Insurance 100 a month.
- Gas and tolls 400 a month.
Thats really it. About $1,600 a month for absolute necessities. Anything else I spend is for myself and I have a handful of hobbies I burn money on. Books, video games, dvds, etc. I also do stuff with my gf and her daughter. Two vacations per year. I'm an on again, off again smoker so cigs occasionally. Xmas time I have a big family, so thats usually 4-5K a year on gifts(or cash).
I make 60k a year at my job. I also bring in 10k a year or so in different gambling ventures. I put $250 a month out my paycheck directly into my credit union and transfer that into my savings so I save $12-13K a year. Whatever is left goes to those necessities and my "hobbies" whether it is a couple weeks in Mrytle Beach or going out to eat on the weekend, or buying a shitload of video games and dvds.
Give me my own apartment and I cut back slightly on the fun stuff and trim my savings a year a bit.
Give me my own home(mortgage) and my savings almost go bye bye, bluray sales become Netflix rents, new hardcover books become library rentals, dinner goes from the Lobster Shanty and Cheesecake Factory to Red Lobster and Chilis, cable goes from $250 a month to the basic package, live paycheck to paycheck, double or triple my MLB and NFL bankrolls(go back to $250 a game rather than the $100 or $125 a game I've lowered to the last couple years) to give myself a few more bucks.
Little league baseball, football, and basketball coach for kids, no time for mowing when you factor in work. Drink plenty on wed night kickball league. Its f@ckin a blast!!!
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Quote Originally Posted by TRAIN69:
Mow your own lawn and then you can drink more!!!!
Little league baseball, football, and basketball coach for kids, no time for mowing when you factor in work. Drink plenty on wed night kickball league. Its f@ckin a blast!!!
I live with my father because its a hell of a lot cheaper. He is also unemployed so it makes it easier on both of us instead of living on our own. His unemployment check takes care of rent, electric, and cable, and I slide him some money each month when I can.
The problem in my situation is that I am in commission sales, and the past couple of months have sucked. From the numbers up above it takes about $2000 of actual expenses. So far this year I have made about $10,000 take home. Dont want to quit my job because I love the work and have vested renewals if I can stay there. Also will be losing my license in a couple months and will not have the ability to drive to a job. So basically Im screwed to the wall no matter what. But thats what it takes to keep me going.
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Cell Phone - $120
College Loans - $775
Gas - $300
Credit Card - $100
Car Payment - $250
Life Insurance - $70
Car Insurance - $150
Food - $100
Gym - $80
I live with my father because its a hell of a lot cheaper. He is also unemployed so it makes it easier on both of us instead of living on our own. His unemployment check takes care of rent, electric, and cable, and I slide him some money each month when I can.
The problem in my situation is that I am in commission sales, and the past couple of months have sucked. From the numbers up above it takes about $2000 of actual expenses. So far this year I have made about $10,000 take home. Dont want to quit my job because I love the work and have vested renewals if I can stay there. Also will be losing my license in a couple months and will not have the ability to drive to a job. So basically Im screwed to the wall no matter what. But thats what it takes to keep me going.
I'm actually pretty lucky with living down here in Costa Rica as it is pretty cheap to exist down here.
My rent is $1200 a month ( all utilities, cable, internet included ).
I probably spend $400 a week on general expenses i.e living, drinking, groceries, eating out etc.
Even luckier is that I am sort of single and I have no children so my only obligation is to myself. So I can get by on $3000 a month and have a good chunk of savings also.
Not having kids and the concerns and cost that come with them is a huge bonus for me.
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I'm actually pretty lucky with living down here in Costa Rica as it is pretty cheap to exist down here.
My rent is $1200 a month ( all utilities, cable, internet included ).
I probably spend $400 a week on general expenses i.e living, drinking, groceries, eating out etc.
Even luckier is that I am sort of single and I have no children so my only obligation is to myself. So I can get by on $3000 a month and have a good chunk of savings also.
Not having kids and the concerns and cost that come with them is a huge bonus for me.
I'm actually pretty lucky with living down here in Costa Rica as it is pretty cheap to exist down here.
My rent is $1200 a month ( all utilities, cable, internet included ).
I probably spend $400 a week on general expenses i.e living, drinking, groceries, eating out etc.
Even luckier is that I am sort of single and I have no children so my only obligation is to myself. So I can get by on $3000 a month and have a good chunk of savings also.
Not having kids and the concerns and cost that come with them is a huge bonus for me.
Are you from costa rica? If not start a thread and tell the rest of us how to make the move. Sounds like the life
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Quote Originally Posted by Syddigs:
I'm actually pretty lucky with living down here in Costa Rica as it is pretty cheap to exist down here.
My rent is $1200 a month ( all utilities, cable, internet included ).
I probably spend $400 a week on general expenses i.e living, drinking, groceries, eating out etc.
Even luckier is that I am sort of single and I have no children so my only obligation is to myself. So I can get by on $3000 a month and have a good chunk of savings also.
Not having kids and the concerns and cost that come with them is a huge bonus for me.
Are you from costa rica? If not start a thread and tell the rest of us how to make the move. Sounds like the life
Kids are absolutely the best thing about life and living....wouldn't trade my life for a single life ever...even if I could have vanzak's yacht and supermodel harem.
//meant this but agree with D-Town as well
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Quote Originally Posted by kujayhwk:
jwk:
Kids are absolutely the best thing about life and living....wouldn't trade my life for a single life ever...even if I could have vanzak's yacht and supermodel harem.
student loans- 1700/mo ( 9 yrs undergrad and 10 yrs post grad combined between the two of us, locked in at 1.5% for 30 yrs thanks uncle sam)
credit cards- 2000/mo. (balance was at 70k combined when we got out of school, we will be out of cc debt in 3 months)
cars - 1400/mo (expensed through business)
home insur- 100/mo
cable/internet- 200/mo
power/water/gas/trash- 400/mo
life insurance- 275/mo
HOA dues- 275/mo
golf membership dues- 575/mo and still a high handicap
kid so far (two months old)- 750/mo
gambing/drinking/dining/travel/fucking off money- 3000/mo, depends how many losers I select after my in-depth research
nanny starting in 5 months- 2200/mo
nannys health insurance- 650/mo, medicare is 3 yrs away for her.....
property taxes- 9000/yr, trending downwards last few yrs.........
dog- 150/mo- more toys and better food than I get
wifes shopping and 8 yearly trips back to Iowa- roughly 1200/mo (put it this way fuckers, I know the UPS guy so good now that I recognize him and his whole family now out around town. thats how much she shops online.)
Business expenses- a lot
Have not done this little exercise since we bought our house a while ago. Its a sickening little exercise
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Married with a newborn
Mortage- $4600/mo
student loans- 1700/mo ( 9 yrs undergrad and 10 yrs post grad combined between the two of us, locked in at 1.5% for 30 yrs thanks uncle sam)
credit cards- 2000/mo. (balance was at 70k combined when we got out of school, we will be out of cc debt in 3 months)
cars - 1400/mo (expensed through business)
home insur- 100/mo
cable/internet- 200/mo
power/water/gas/trash- 400/mo
life insurance- 275/mo
HOA dues- 275/mo
golf membership dues- 575/mo and still a high handicap
kid so far (two months old)- 750/mo
gambing/drinking/dining/travel/fucking off money- 3000/mo, depends how many losers I select after my in-depth research
nanny starting in 5 months- 2200/mo
nannys health insurance- 650/mo, medicare is 3 yrs away for her.....
property taxes- 9000/yr, trending downwards last few yrs.........
dog- 150/mo- more toys and better food than I get
wifes shopping and 8 yearly trips back to Iowa- roughly 1200/mo (put it this way fuckers, I know the UPS guy so good now that I recognize him and his whole family now out around town. thats how much she shops online.)
Business expenses- a lot
Have not done this little exercise since we bought our house a while ago. Its a sickening little exercise
Good stuff guys...I look forward to getting this all in order too once I move into my house Aug 20th. I'm curious to see how my expenses line up after a couple months of bills and living on my own for the 1st time.
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Good stuff guys...I look forward to getting this all in order too once I move into my house Aug 20th. I'm curious to see how my expenses line up after a couple months of bills and living on my own for the 1st time.
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