Would you say you make enough to live comfortably?

[OdyOwnage]

Let's list it out and cut some back?

Let's do this on a monthly basis and some of mine were unknown I didn't want to calculate :p

I got:

Car Payment: $300.00
Gas: $200.00
Cell Phone: $40.00
Credit Card: $300.00
Food and Crap: $200.00-$300.00
Student Loans: ????

These are probrably the main things.

Now that I have a new job and I all I think I pay the car off (Odyssey) and start paying off the credit card crap.

[Ripcurl]

I do - I would be doing a ton better if i wasnt paying out the ass in rent.

but my gas is minimal being able to walk to work.

Motorcycle payment - 160
Gas - 100
Credit Card - 300
Food - 4-500 - need to work on that one.
Other shit - Too much

[OdyOwnage]

I do - I would be doing a ton better if i wasnt paying out the ass in rent.

but my gas is minimal being able to walk to work.

Motorcycle payment - 160
Gas - 100
Credit Card - 300
Food - 4-500 - need to work on that one.
Other shit - Too much

You must eat out everyday? :stare:

[Ripcurl]

I do practically. Def 5/7 days.

Living and working downtown is killer in that regard. Must improve.

[OdyOwnage]

I do practically. Def 5/7 days.

Living and working downtown is killer in that regard. Must improve.

$0.99 :idea: :p

[Flores]

I consider myself comfortable:
monthly spends:
Savings: $900
House Payment:$1200
Cars: $750
Food (for the family): $1000 (we eat out way too much)
Gas & repairs: $350
Other misc 'stuff' : $1000

[syntheticGT]

Mine is cut back pretty far already as I have been working on this since October.

Rent - $440
Credit Cards - $300
Car - $317
Ins - $100
Electric - $25 - $100 depending on time of year
Food - $100
Gas - $110
Student loans are deferred until I get my car paid for....then I will take the extra $$ and pay it as fast as I can.

I still have quite a bit left over to play with and I am trying to get the xB paid off.

:)

[OdyOwnage]

So if you are saving lets so about 10-15% of your monthly NET income is that considered to be a good amount of savings?

[Flores]

So if you are saving lets so about 10-15% of your monthly NET income is that considered to be a good amount of savings?

I'd say thats excellent 10% of your gross would be better :)

[OdyOwnage]

I'd say thats excellent 10% of your gross would be better :)

So 10% of gross and put that into a nice little CD or Savings account with a nice percentage of 4-6% would be great! :rock:

[bowfinger]

elec/gas-$80
car ins - $120
Mortgage - @1200
gas - $60
Food - $80

Im not putting anything on savings right now,
Im sending all that is left over to my cc's, so i can get rid of my
18k that i owe:( The way im going now i should have them
paid off by the end of this year.

[OdyOwnage]

elec/gas-$80
car ins - $120
Mortgage - @1200
gas - $60
Food - $80

Im sending all that is left over to my cc's, so i can get rid of my
18k that i owe:( The way im going now i should have them
paid off by the end of this year.

YOU CAN DO IT! :thumb:

[Ripcurl]

i try to save 16% of gross plus the 8%(pre-tax of course) I put into the 401k.


Comes out to about 800 a month which i try to move into my etrade account. I trust that more than I do my saving account. Easily transferred back to savings and not even earning enough to keep up with inflation.

Note all the "try's". It doesnt seem to happen like clockwork.

-g

[Flores]

I'm falling short of the 10% gross. I'm actually about 8 and a half. :(

[LG]

I don't have enough to live comfortably. :(

CC $598.78
Gym $60.00
Savings $100.00
Misc/Food $ 250.00

[OdyOwnage]

I don't have enough to live comfortably. :(

CC $598.78
Gym $60.00
Savings $100.00
Misc/Food $ 250.00

No car payment/mortgage/rent

If its not any of those its those damn credit cards.

[Ripcurl]

ick forgot my rent - i knew shit wasnt adding up

Rent - 1200
Cable - 120
Power - 100
Motorcycle payment - 160
Gas - 100
Credit Card - 300
Food - 4-500 - need to work on that one.
Other shit - Too much

[Doug]

Yes

[OdyOwnage]

Yes

Good

[Pr3Lud3PLaYa]

yeah b/c I stay at home

Comcast: $135
dad's/sister's/my cell phone bill: $40(for 3 phones nga!!!)
gas: $200 easily
car: $450 but I put more
CC: I only owe $1100
gym: $10
parents: $250
the rest goes to what I need, want or savings.

[BrentCRX]

Rent 1500
Utility ~ 500
Food 1000 I eat out alot
Misc 750- 1200

[Stacy]

i live at home so im saving a lot but once i pay off these two hospital bills i will be better

[tit$]

yes - only have my insurance, house payment and related bills. two years 'salary' saved.

[S.T.F.U.]

No, but I make good enough money were I should be. I have lots of debts.


Slowly but surely they'll be gone

[OdyOwnage]

^^ Must be nice!

[Pr3Lud3PLaYa]

yeah b/c I stay at home

Comcast: $135
dad's/sister's/my cell phone bill: $40(for 3 phones nga!!!)
gas: $200 easily
car: $450 but I put more
CC: I only owe $1100
gym: $10
parents: $250
the rest goes to what I need, want or savings.

holy crap...I forgot to add on my insurance. that's another $200 monthly.

[Pr3Lud3PLaYa]

yes - only have my insurance, house payment and related bills. two years 'salary' saved.

wow that's good. Usually, the typical person with some financial responsibility only has about 6 months worth of expenses saved up.

[S.T.F.U.]

^^ Must be nice!

No its not! Most of them aren't even mine


long story....

[OdyOwnage]

No its not! Most of them aren't even mine


long story....

^^ Must NOT be nice!

[Enron Exec]

It will never be enough...

Thats why my only outlet is to move onto a lil plot of land in the middle of no where, just me and my guns.

:rofl:

[Narcissistic]

for now. yes. but as i start making more i start spending more.

[OdyOwnage]

for now. yes. but as i start making more i start spending more.

Well you shouldn't do that ....

[grnlude97]

I make plenty to live "comfortably." I wish I didn't have a car note but with money being so cheap it doesn't make sense to pay cash.

My biggest expense = girlfriend!

Daniel :)

[PIYF]

Mortgage = 1500
Gas = 80
Electric = 200 (average but 2x in summer)
Water = 30
Cars = 650
Insurance = 120
Cable = 180
Cell = 100
Gasoline = 500
CC = 200
Food = who knows probably 400+.

Have 100 deducted from checking to savings once a month.

[EET FUK]

i save about 500-750 a month and sleep on any purchases over 100 bucks. if anything, im guilty of saving too much.

[Sepultura]

car: $550
Insurance: $150
fone: $75
dental: $150
Rent: $300
fuel/daily xpenses: $500

[La0s3]

i save about 500-750 a month and sleep on any purchases over 100 bucks. if anything, im guilty of saving too much.

i wish i had that kinda guilt, now that i think about it i buy the dumbest shit ever.

[Black]

definitely enough to be comfortable..but that would only require 2k a month.

truck = $0
Insurance= $900 every 6 months
phone= $100
rent=$0
fuel= $400-600
monthly misc= $300
skoal=$100

[DAkid]

definitely enough to be comfortable..but that would only require 2k a month.

truck = $0
Insurance= $900 every 6 months
phone= $100
rent=$0
fuel= $400-600
monthly misc= $300
skoal=$100

lol @ skoal

lemme see me

car 340
insurance 140
cell 80
gas 210
cc's 300
savings 250
bike 150
i think thats it for me... i dont recall anything else.

[tit$]

i save about 500-750 a month and sleep on any purchases over 100 bucks. if anything, im guilty of saving too much.

don't you sleep at your moms?

[azinwood]

yes, but i feel our spending is sometimes too high.

[axio]

I make enough to cover all of my bills, save a large percent, and spend. But sometimes my discretionary spending is out of control, and I should curb that. According to Mint I spent 900 on clothes last month.

[NisAznMonk]

I make plenty, but my discretionary spending is also out of control (at times).

Damn some of you have some amazing CC payments. I thought I was doing bad paying off $75/month on fast food LOL.

[Prissy]

I get paid bi-monthly. One paycheck basically pays for all my expenses; The other I throw into my savings.

[LCNismo]

car $288
cell $45
water and elet $150
food lets not get into that
gas $120
misc 100
rest is saveing for w/e
im happy with that

[whiteboy1634]

rent:563
food:300
Gas:120
Electricity:120
Cable/intrawebz:120
Credit Cards:200
Oh and cell:70

Income.... not enough, no room AT ALL for play

[si-t]

cc 40
electricity 80
phone 120
cable/internet 150
food 150

the rest in the bank :)

im living perfectly well

[Oni-San]

House: $1155
Car: $0 :)
Comcast: $120
Electric: $290
Insurance: $90
Cell:$60
Food: ? :yum:
CC: $150
Gas: $120

I guess I live ok, by the time I'm 28 my house will be payed off and in my name :dance:

[Dave C]

Per Month

Rent: $260 (girlfriend pays the other half)
Water:16-20
Electric:150
Bike note:125
car/bike Ins:87 car liability and bike full
Gas:110 at the very most
Cell:80 (about to foot the bill to my job seeing they will pay it all)
Credit cards:250
Grocerys: 200-300
piss off money: 700 plus (I'm working to lower that. most of it is due to going out for lunch everyday and just not shopping smart = / )


I think that is about everything. It was really hard last year but I finally paid off my car. FINALLY!!! I have a lot of credit debt to pay off. Living beyond my means was fun but now I enjoy the challenge of getting back on track and look forward to getting a house when I meet my goal of paying it all off.

[winc281]

not now but someday...only work part time b/c of school

[lovemeruff]

i make enough to pay for 2 orders of ched r peppers and a small cremeslush at sonic everyday.

drug money sucks

[tribal dude]

as of right now no, but i plan to be in my own house by the end of this year

[Sepultura]

cc 40
electricity 80
phone 120
cable/internet 150
food 150

the rest in the bank :)

im living perfectly well

you need a fucking house.

[dTran33]

house payment - $2900
cell phone for my wife and i - $80
dish network - $140
verizon dsl - $40
electricity, water. - $125
gas - $300-$400
car(s) - only owe on the escalade $1900 (24 months at 2.9% :really?: )
credit cards - paid in full every month ($600-$1000) this includes food, groceries etc.

[dTran33]

not too bad, all the other cars are paid off and i will own my new house by the time i'm in my late 30's and my current house will be paid off in the next 2-3 years.

[dTran33]

So if you are saving lets so about 10-15% of your monthly NET income is that considered to be a good amount of savings?
i try to save about 40% of my gross...more or less depending on how the month went...

[alreadyknow]

ballin

[La0s3]

house payment - $2900
cell phone for my wife and i - $80
dish network - $140
verizon dsl - $40
electricity, water. - $125
gas - $300-$400
car(s) - only owe on the escalade $1900 (24 months at 2.9% :really?: )
credit cards - paid in full every month ($600-$1000) this includes food, groceries etc.

big balla

[007-hitman]

Gas $200 fukin 19MPG
Misc/Food $100-150
Insurance $100
month salary around $300
living with parent
happy cause mycar paid off

[Streetkred]

Rent 1500
Utility ~ 500
Food 1000 I eat out alot
Misc 750- 1200

Damn Brent

[Red]

yes, but i feel our spending is sometimes too high. im with ya, i dont think i make enough but we do live pretty comfy.

I make enough to cover all of my bills, save a large percent, and spend. But sometimes my discretionary spending is out of control, and I should curb that. According to Mint I spent 900 on clothes last month.
how often do you buy clothes?

[OdyOwnage]

SAVE SAVE SAVE!!!!!!!!

[Nato76]

house payment - $2900
cell phone for my wife and i - $80
dish network - $140
verizon dsl - $40
electricity, water. - $125
gas - $300-$400
car(s) - only owe on the escalade $1900 (24 months at 2.9% :really?: )
credit cards - paid in full every month ($600-$1000) this includes food, groceries etc.

What do you do? As far as work?

[axio]

how often do you buy clothes?On average every other month. Work clothes are expensive.

[Red]

just to stay up to date or because you keep growing out of them? lol

[axio]

just to stay up to date or because you keep growing out of them? lolA bit of both, I lost about 35 lbs while I was in Argentina. I came back and all of a sudden it was like I was 12 and wearing my dad's clothes. And the rest to stay up to date. You can't own enough white/blue dress shirts.

[PEPPERxWHiTE]

people think im ballin, but i think i live comfortable.

i pay:
cell bill for 4 people
electricity
water/cable
capitol one card
bank credit card
buy car parts for me and sometimes ill buy car parts for my bf.
eat steak and sushi every weekend and sometimes every day of the week we'll eat out..and i pay for bf's brother (i pay cuz i ask him to go, its only right that i pay for someone i invited)
go shopping-sometimes i also take my bf shopping
groceries
dog food/vaccines/check ups
savings for whatever i want to buy
401k

in the end, i still have money left over to still buy what i want and put the rest i have left over from the check in my savings..
im just lucky to say i no longer live paycheck to paycheck.

[PEPPERxWHiTE]

^^ holy cow, thats a bunch of BS i deal with...it doesnt seem like anything until its all on the screen...

i guess you just get use to it after doing it for so long...

[Flores]

^^ holy cow, thats a bunch of BS i deal with...it doesnt seem like anything until its all on the screen...

i guess you just get use to it after doing it for so long...

Welcome to grown up world! :)

[PEPPERxWHiTE]

Welcome to grown up world! :)


lol...i feel older than what i am and im only 22....been on my own since i was 16...geez....if only i was in elementary...-life seemed so much easier then...

[alreadyknow]

spend about 2200-2600 month normally (rent, food and entertainment), if i have a big purchase or what not.. sometimes a little more.. the rest goes to savings. :thumb:

[Narcissistic]

A bit of both, I lost about 35 lbs while I was in Argentina. I came back and all of a sudden it was like I was 12 and wearing my dad's clothes. And the rest to stay up to date. You can't own enough white/blue dress shirts.

my dream is to go to BsAs argentina. This friday i'll be paying all my bills from this month with one check :rofl: Im happy.

[OdyOwnage]

The more you make the more you spend... :p

[YesSiR]

sorry boredom at work made me respond to this thread.

rent - 465
Cable/Internet - 80
lights - 50-60
Food - 150-200 (i take frozen food to work, helped out ALOT)
Gas - 200-220
Ins - 57
CC - 400 (paying way more than that at the moment, or well was till my car decided to take a shit on me :( but i'll get back to it soon as that expense is out of the way)
cell phone - 87 for me and my mom
Gym - 65 (me and my g/f)
random Loan - 120 (that'll be done as of this month yaay!)
netflix - 18 (my g/f's a movie freak)

still a decent amount left over for anything that may come up (like the car situation for example) sadly i have not started truely saving yet, i take out a lot through my federal witholdings but i never put it aside, so i'm changing that now, started my 403b recently at 8% pre-tax and lowered my federal witholdings to help offset that change in my income, since my loans gonna be ending soon i shouldn't see to drastic a difference between before and after the extra money taken out of my check, least i'm hoping so, if i do, i can always lower my federal witholdings some more. all in all i'm happy, but i'd like to do better by getting these CC bills to be non-existent (6k to go :()

[Stevenc]

My basic living expenses for food utilities and housing probably total little over $3k a month.

[xtel]

Here is my break down for a month:

Rent: $665
Electric:$70-$100
Water/Trash: $40
Cell Phone: $65
Internet: $60
Car Payment: $180
Car Insurance: $185
Pet Insurance: $25
Renter's Insurance: $25
Random CreditCards: $200
Food: $300~
Gas: $100

I put 40%-50% of my net income into savings.

[michael123]

monthly

Rent: 600
Insurance: 50
Att UVerse: 140
Gas: 150
Food: 150-250
Entertaiment: 0-250
Misc Crap: 0-250

Own my car

[Eddie_08Civic]

Lets see for me:


Car Payment:$366
Car Insurance(for family)-$270
Cell Phone-$80
Credit Card-$80
Gas-$200
Internet-$50
Food/Misc-$50-$100

[uneek]

Hmm.. i need to check my stuff.. but..

Rent: 250
Cable/Internet/Phone: 115
Water/Gas/Sewer: 30
Food: 150
Gas/EZ Tag: 250-350(Live in Spring, work in Katy)
Cell: 55
Gym: 33
Car Insurance: 125
Credit Cards: 650 ( Trying to pay all the shit off FAST)
Misc: 100
Car Note: 700

Once i clear the credit cards, then i should be able to free up those 650 and put towards saving and get a house.

[R.J.]

Not as comfortably as I'd like.

[VH_Supra26]

my mom and dad make enough

[Teabagger]

$1160 mortgage
$700 for xB and wife's Corolla
$125 for 2 cell phones
$150+ for electricity
$75 gas/water for house
$400 gas for cars
$1000 in credit cards/loans/other debt
$350+ food
$3-400 in savings

:ugh:

[Sarah]

Right now...

I just finished paying school and books today :eekdance:

CC - 150
Phone - 50
Since giving my two week notice - Unnecessary Expenses will be 20

Wedding - O_O I don't even want to know.

My dad is assisting me with the car payment until I can get back on my toes. I won't have job so that is tough!

I have money in savings I don't want to tap into. I don't make enough to live comfortably anymore.

[Red]

nah but oh well.

[TXBlackout03]

nah but oh well.

:thumb:

[02bluez28]

car - 500
rent - 900
gas - 150
cell - 100
insurance - 100
food - 250
cable/internet - 60

[Stealth]

hmm... let's assume my list is for the month of july

cell - $80
gas - $90 (assuming it takes about $45 a fill up and i will only go to work and school, no houston trips)
cable/internet - $20
electricity - $55
food - $250
car,insurance,rent - $0 (paid for already)

Total for July 2008 - $540
I am also taking summer classes so i'm not working full time at the moment and my checks are only $1032 biweekly...

$2064 - $540 = $1524

I can prolly cut down on the food... eating out kills. I used to do $100 budget for food a month and it worked out well when i cooked and didn't go out to eat.