What is your monthly expense?
- Thread starter Canova
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Wellington
BAAAALLLINNN'
Well to respond in support of Canova my "etc." bill is around 900+ a month but there's a lot of stuff that falls under that umbrella. Not everything happens every month but here is an idea:
Food - Home cooked/eating out
Cooking products
Cleaning products
Home products (Towels, sheets)
Exterminator
Entertainment - movies, games, sports
Travel
Tolls
Cash for boozing
Misc shit I want to buy
You guys would be surprised to see how quickly it adds up. Just this month I had to pay for two wedding gifts and for my car to be inspected, $250 right off the bat.
Food - Home cooked/eating out
Cooking products
Cleaning products
Home products (Towels, sheets)
Exterminator
Entertainment - movies, games, sports
Travel
Tolls
Cash for boozing
Misc shit I want to buy
You guys would be surprised to see how quickly it adds up. Just this month I had to pay for two wedding gifts and for my car to be inspected, $250 right off the bat.
harriet the spy
Member
This month:
Broken tooth: 5k.
Broken tooth: 5k.
I hate the US medical system
dreadfulwater
aka morbidesque
I don't think this thread is about "how much money I got" It just a snapshot of where everyone is, and its all mostly relative to your current stage in life. I think it's interesting, and stimulates conversation.
So
Mortgage/Insurance/Taxes: 1380.00
Cars: 727.00
Car Ins:
Budget Money:200.00(my wife and I allow each other 25/Wk for personal spending)
Fuel:250.00
Gas: 60-150 Mo.
Elect: 70-100 Mo.
Cell:90.00
Food: 400-500 Mo.
Cable/internet: 128.00 mo.
Water/Sewer 130.00 every three mo.
Entertainment is between 200-300, but it might be lower, we hardly leave the house.
NO CREDIT CARD DEBT.....PAY THAT FUCKER OFF, PEOPLE. CC companies are coming in thick and hard with no lube. I payed off almost 30K in 8 years, and a fuckton of interest. so go to it. If you dont have the cash, you probably don't need it.
So
Mortgage/Insurance/Taxes: 1380.00
Cars: 727.00
Car Ins:
Budget Money:200.00(my wife and I allow each other 25/Wk for personal spending)
Fuel:250.00
Gas: 60-150 Mo.
Elect: 70-100 Mo.
Cell:90.00
Food: 400-500 Mo.
Cable/internet: 128.00 mo.
Water/Sewer 130.00 every three mo.
Entertainment is between 200-300, but it might be lower, we hardly leave the house.
NO CREDIT CARD DEBT.....PAY THAT FUCKER OFF, PEOPLE. CC companies are coming in thick and hard with no lube. I payed off almost 30K in 8 years, and a fuckton of interest. so go to it. If you dont have the cash, you probably don't need it.
In Canadian, and split with the girlfriend:
$450 rent
$150 food
$75 Entertainment
$50 bus fare
$50 phone/internet
personal debt:
$100
So my total is $875?
Things to take into consideration:
My girlfriend is going though a bit of a financial bump, so lets tack on $300 until that's ironed out. By next month (or the end of the month if I feel like it) that $100 in personal debt will be wiped out. And my friend/roommate will probably pick up a job by this month, and begin to contribute $250 bucks.
So realistically, $1175 is my expense
And ideally $650 is my expense.
You people who spend 3-5k a month, goddamn, sometimes I feel like I spend frivolously, but I guess you guys are still living within your means - and I am jealous =p.
$450 rent
$150 food
$75 Entertainment
$50 bus fare
$50 phone/internet
personal debt:
$100
So my total is $875?
Things to take into consideration:
My girlfriend is going though a bit of a financial bump, so lets tack on $300 until that's ironed out. By next month (or the end of the month if I feel like it) that $100 in personal debt will be wiped out. And my friend/roommate will probably pick up a job by this month, and begin to contribute $250 bucks.
So realistically, $1175 is my expense
And ideally $650 is my expense.
You people who spend 3-5k a month, goddamn, sometimes I feel like I spend frivolously, but I guess you guys are still living within your means - and I am jealous =p.
samus i am
Member
100% of how much I make.
Epsilon-delta
Banned
Being in the military, all my bills are paid for.
The military gives me my rent and food money. I live outside base in a big, beachside apartment (3 bed, 1 bath) here in Rota, Spain.
The only bill I have is $500 going towards vacations in Europe.
I save about $2k a month (base pay + overseas COLA) and plan to buy a house outright when I get out, because mortgage payments in this thread scare me.
A lot of shit can happen during that 20 or 30 yr mortgage (loss of a job, divorce, expensive hospital bills), that is why I want to own my house outright.
Fuck the bank.
The military gives me my rent and food money. I live outside base in a big, beachside apartment (3 bed, 1 bath) here in Rota, Spain.
The only bill I have is $500 going towards vacations in Europe.
I save about $2k a month (base pay + overseas COLA) and plan to buy a house outright when I get out, because mortgage payments in this thread scare me.
A lot of shit can happen during that 20 or 30 yr mortgage (loss of a job, divorce, expensive hospital bills), that is why I want to own my house outright.
Fuck the bank.
Dragoon X Omega
Member
Rent - $200 (1 bedroom apartment) I'm on Section 8.
Gas - Free (On Section 8)
Water - Free (On Section 8)
Food - $100
Bus - $20 a month for everyday pass
Phone Bills - $30
So that's about $450 monthly. :lol
Gas - Free (On Section 8)
Water - Free (On Section 8)
Food - $100
Bus - $20 a month for everyday pass
Phone Bills - $30
So that's about $450 monthly. :lol
canova said:
Wouldn't it be more accurate to say that your expenses grew to your income level?
The $250 a month for electricity/water/garbage really sucks considering I'm in a 1300sqf house. That's mostly due to us keeping the thermostat at 70 during hot South Carolina summers and only having single pane windows. I added a bunch of insulation to the attic and one of the rooms that didn't have any in the exterior walls and this year I'm going to put in all new windows around the house. They should pay themselves off in no time thanks to the reduced power bill and the 30% tax credit.
Take home is about $2,500 a month and I'm supporting a family of four.
red shoe paul
Banned
Cell phone: $80
Food: $30-$35
Games: $30-$40 depending
Only things I worry about.
Thank god for no car, rent, etc..
Food: $30-$35
Games: $30-$40 depending
Only things I worry about.
Thank god for no car, rent, etc..
Rent: $450
Utilities: $40
Gas: $40
Car Insurance: $120
Cell Phone: $88
FIOS: $29
Debts (student loans, credit cards, etc.): $575*
Food/Misc: $300
* - This is minimum payments, in actuality I am throwing a lot more at this to pare it down.
Living with roommates definitely helps. I'll tell you what though, I am one of the top earners in my social circle, and I still feel dirt poor thanks to this topic. :lol
Utilities: $40
Gas: $40
Car Insurance: $120
Cell Phone: $88
FIOS: $29
Debts (student loans, credit cards, etc.): $575*
Food/Misc: $300
* - This is minimum payments, in actuality I am throwing a lot more at this to pare it down.
Living with roommates definitely helps. I'll tell you what though, I am one of the top earners in my social circle, and I still feel dirt poor thanks to this topic. :lol
Rent: $520
Electricity: $50 (kind of ridiculous that around $25 of that are outright inescapable fees, no matter how much electricity I use).
Phone: $32
Cable/Internet: $60
Student Fees (averaged across the entire year): $200
Food: $150
Insurance: $50
So, a little less than 1100. Too much, and I'm going to have to move somewhere more expensive next year. Fortunately, I'm getting a slight raise, but money will still be tighter.
Electricity: $50 (kind of ridiculous that around $25 of that are outright inescapable fees, no matter how much electricity I use).
Phone: $32
Cable/Internet: $60
Student Fees (averaged across the entire year): $200
Food: $150
Insurance: $50
So, a little less than 1100. Too much, and I'm going to have to move somewhere more expensive next year. Fortunately, I'm getting a slight raise, but money will still be tighter.
That's because some (maybe a majority) of the people who post in these threads are showing off their income. It's like the post-your-picture threads sprinkled all over the internet; only the lookers post their picture because they're showing off.TxdoHawk said:
I make ~$650 a month and I posted, so don't feel bad.
~Devil Trigger~
In favor of setting Muslim women on fire
:lol DO IT!!Torquill said:
Two people and a dog in Toronto, from my Monthly Budget spreadsheet.
Rent: $861.46
Phone: $20.00
Internet: $41.00
Transit: $221.00
Groceries and Cleaning Expenses (overestimate, on average): $400.00
Eating Out (overestimate, on average): $100.00
Dog Food: $15.00
Laundry: $18.00
Total: $1,676.46
We have no outstanding debts, and our 'entertainment' cost go for a couple hundred bucks per month, at most. We save. A lot.
Rent: $861.46
Phone: $20.00
Internet: $41.00
Transit: $221.00
Groceries and Cleaning Expenses (overestimate, on average): $400.00
Eating Out (overestimate, on average): $100.00
Dog Food: $15.00
Laundry: $18.00
Total: $1,676.46
We have no outstanding debts, and our 'entertainment' cost go for a couple hundred bucks per month, at most. We save. A lot.
Fenderputty
Banned
-Mortgage (includes home insurance and taxes): 1830
-Student Loans: 135
-car insureance for wife and I: 190
-car payment: 230
-Elec 50
-gas/water/trash: 100
-cell phone f/ wife and I: 100
-food: 400
-Gasoline: 200
-cable/internet: 100
comes out to about 3350 a month set in stone. We've been doing home improvement though so it's closer to about 4K a month right now.
Pay check to pay check baby.
Edit: can't forget ...
-Medical Chron: 120 :lol
-Student Loans: 135
-car insureance for wife and I: 190
-car payment: 230
-Elec 50
-gas/water/trash: 100
-cell phone f/ wife and I: 100
-food: 400
-Gasoline: 200
-cable/internet: 100
comes out to about 3350 a month set in stone. We've been doing home improvement though so it's closer to about 4K a month right now.
Pay check to pay check baby.
Edit: can't forget ...
-Medical Chron: 120 :lol
TheLastCandle
Member
Between my fiance and I:
Rent: 650
Cable/Internet: 100
Phones: 160
Electric: 100
Food: 300-400
Loan Payment and credit cards: 150
Car insurance: 50
So around 1500-1600 bucks a month minimum.
Rent: 650
Cable/Internet: 100
Phones: 160
Electric: 100
Food: 300-400
Loan Payment and credit cards: 150
Car insurance: 50
So around 1500-1600 bucks a month minimum.
Agent Ghost
aka MAJIKdR46oN
Depends how you look at it. You could say it's the expense of being rich.
Wellington
BAAAALLLINNN'
Wow I thought I was bad.mr stroke said:
Also, I really can't justify a new car between the car payment and insurance. I'm paying $200 a month for just insurance. Fuck you Bronx insurance!
Cell: 14$
Union fee: 20$
Rent: 240$
Those are my only constant monthly fees. Get most of my food for free so I'm free to do whatever with most of my unemployment "salary". I usually end up saving 90% of what's left each month so I'm doing alright. Saving up for University I guess.
Union fee: 20$
Rent: 240$
Those are my only constant monthly fees. Get most of my food for free so I'm free to do whatever with most of my unemployment "salary". I usually end up saving 90% of what's left each month so I'm doing alright. Saving up for University I guess.
AbortedWalrusFetus
Member
These are the budgets I have set up on Mint.com:
Entertainment: $80 (basically my games budget, rolls over)
Alcohol/Bars: $90 (I spend more than this almost every month, but I don't track cash)
Auto&Transport: $155 (includes insurance and gas. Does not include tolls, which are around $80 a month, cash)
Restaurants: $270 (just reduced it from $300)
Groceries: $270
Everything else: $1400 (includes $900 rent, utilities, and all cash expenditures)
My overall budget is around $2300 a month. I spent about $300 over budget on a bad month, mostly on cash expenditures. I would say I support myself and my fiance on about $2600 a month total. I consider this as a fairly frugal living. I don't expect this level of spending to increase at all until I get married in six months, and will have to pay for my fiances phone, car insurance, and health insurance (at least make a contribution). After that, it may increase when I take on a mortgage. I'm getting a 25% raise in about two months, and I don't expect my spending to increase at all.
Edit: I should note that my fiance pays the rent every third month. She's not a total deadbeat. It makes up for the ~$300 a month I go over budget.
Entertainment: $80 (basically my games budget, rolls over)
Alcohol/Bars: $90 (I spend more than this almost every month, but I don't track cash)
Auto&Transport: $155 (includes insurance and gas. Does not include tolls, which are around $80 a month, cash)
Restaurants: $270 (just reduced it from $300)
Groceries: $270
Everything else: $1400 (includes $900 rent, utilities, and all cash expenditures)
My overall budget is around $2300 a month. I spent about $300 over budget on a bad month, mostly on cash expenditures. I would say I support myself and my fiance on about $2600 a month total. I consider this as a fairly frugal living. I don't expect this level of spending to increase at all until I get married in six months, and will have to pay for my fiances phone, car insurance, and health insurance (at least make a contribution). After that, it may increase when I take on a mortgage. I'm getting a 25% raise in about two months, and I don't expect my spending to increase at all.
Edit: I should note that my fiance pays the rent every third month. She's not a total deadbeat. It makes up for the ~$300 a month I go over budget.
mr stroke
Member
Wellington said:
welcome to overpriced California(even more so when we bought the house in 2007)
But if you live in NYC, isn't that MORE than any where else in the US? I would love to move to NYC but a 1000 sq ft apt would cost me what- 500-600k in the city?(easily a 3-5k mortgage payment)
blame space
Banned
:lolTorquill said:
Ooo, this is fun. I fix my budget forecast once a month to make it more in line with what my actual budget numbers are doing. Here's the most recent.
I might have to adjust these further once we get the new electric bill, and our water and garbage are due every three months, so...
I might have to adjust these further once we get the new electric bill, and our water and garbage are due every three months, so...
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