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/biz/ - Business & Finance

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12406261 No.12406261 [Reply] [Original]

>monthly income (after taxes) $1600
>monthly expenses $1800
I don't think I'm gonna make it, /biz/

>> No.12406288

Sell your car

>> No.12406300

>>12406288
>sell my only means of transportation to work
Also I lease, which is up next month so that's going to be a big dent in my savings...

>> No.12406300,1 [INTERNAL] 

Let me help you poor fag anon.

1. Cancel/remove everything you don’t NEED
2. Your fixed
3. Get a better job so you can future make it

>> No.12406396
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12406396

>>12406300
Fuckin RIP dude.
My train of thought was just that if you didn't have the expense of gas and insurance, you'd be making enough to meet your monthly expenses. I live in a place where I can walk no matter where I need to go and it's fine though.

>> No.12406427

>>12406300
Stop w these bs excuses

>> No.12406458

>>12406427
>sell your car
>"I can't anon it's not mine it's a lea-
>NO EXCUSES, SELL YOUR CAR
You're both retarded and also right. Black market your car and disappear, OP.

>> No.12406504

>>12406396
Yeah I live in a suburban area so no luck there.

If I can do something about my car situation ($282/mo lease, since I got it while I was making more at my old job) I can probably float by on my savings until I finish school, but it'll be tight.
>>12406427
>sell the thing which allows you to make income
0 iq post

>> No.12406519

>falling for the new car Jew

$3k Civic

>> No.12406537
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12406537

1) Buy 1 BSV.
2) Struggle for 2 years.
3) Sell your BSV and retire.

>> No.12406543

>>12406537
>*sell your BSV and expire

>> No.12406545
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12406545

>>12406300
>Also I lease

>> No.12406549

>>12406261
Didn't your dad teach you how to budget? Maybe stop having an iphone, get a regular one.
-Dave

>> No.12406610

>>12406261
>$1800/mo
Do you live in New York City or something? I'm living on $900/mo in the Midwest and I have my own apartment.

>> No.12406618
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12406618

>>12406537
>$73.83 USD (-14.85%)
pic related
>>12406545
It wasn't a bad idea at the time. It was ~5% of my income when I got it, but the job made me miserable and I left after a couple of years. Now it's about 15% of my income.

The money I was making was better put into investments (where I made bretty good returns) rather than down payment on a car.
>>12406549
I pay ~$40/month for my phone bill, depending on data used. It's about as basic as you can get.

My rent is 51% of my income. My car is another 20%.
>>12406610
House/rent prices here are kinda fucked here. Everywhere within an hour of where I live is 400k+ starting for real shit houses.

>> No.12406623

>>12406504
$300 a month to borrow a fucking car hahahah

Dude I literally bought a 2K Civic and have been driving it for 6 years now. Only expenses have been new tires, oil, brakes.

>> No.12406624

>>12406261
Eat less you fat mutt? It's not hard

>> No.12406634

20lb bags of rice at your local asian supermarket are like 15-30bux a pop depending on strain/quality

>> No.12406664

>>12406618
I wish I could help you, but anyone who leases a car is beyond help. Buy something cheap and reliable in cash. I'm sure you have some bullshit excuse for not doing this but I really don't care. Grow some bootstraps, millenial.
-Dave

>> No.12406666
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12406666

>>12406610
Yeah midwest here, too. Share a house with my girlfriend. Living on roughly $800 a month. Main thing is I don't have a car and in turn don't pay to use/maintain one, plus I'm still 25 so I'm still under my parents' insurance.

Shit's gonna hit hard when I turn 26 though, plus my current job doesn't offer literally any benefits.

>> No.12406675

>>12406664
>>12406623
A $300/mo lease isn't bad when you're making $5k+ after taxes, it just kinda sucks now. Luckily it's coming to an end.
>>12406624
I spend under $150/mo on food

>> No.12406702

>>12406618
Rent and utilities are $1080 of your budget. Get roommates and it cuts that down to ~$400 lets say. You're spending $150 on health insurance which is a scam unless you're obese, and you are leasing a car for $300 when you should be driving a 200K mile Civic/Corolla to 350K+ miles with routine maitenance.

There you go, $1130/mo saved after you buy the used Honda/Toyota, cancel insurance, and get roommates. Car insurance will prob drop too. Now you can save 10K a year.

>> No.12406708

Just curious what car you're leasing? I pay 178 a month for a 2016 Jetta with bells and whistles. Gonna have to buy that fucker come September cuz I'm at 53k miles but was only allowed 36k plus I don't feel like paying the miles+shellong out more for another down payment. I like the car anyway

>> No.12406717

>>12406261

Reduce expenses or earn more

>> No.12406736

>>12406702
not op but good advice..

>> No.12406770

>>12406708
2016 Mazda CX5 Grand Touring

I'm under mileage, so I should have some equity in it.
>>12406702
Thanks. I'm currently car shopping but I had an older car before and it was a nightmare, since it always needed repairs and was expensive as fuck to do those repairs. I ended up getting the lease when it became cheaper than the repairs to my previous vehicle. I just wanted something safe and reliable, which it has been.

I go to the doctor fairly often, so I can't cancel it unfortunately. Even getting a cheaper one will probably bite me in the ass. I was actually getting it for free when I was unemployed and that coverage is better than what I'll be paying for...

>> No.12407085

>income 1300$
>expenses 600$
leave the city and enjoy your life again

>> No.12407097

>>12406261
Monthly income after taxes $4000
Monthly expenses: $500

It sure was nice of my parents to let me live at home until I was 28 so that I could save up enough to buy a house and never have to pay rent in my life.

>> No.12407119

>>12406618
drop your car for a cheaper one
drop health insurance wtf pussy
drop the gym and work out on household applicanes
borrow household supplies from neighbours
steal car gas from other cars
keep scratchin ittle pieces of furniture in your home and use it for heating/sell it, rent is theft

>> No.12407772

>>12406261
>Visit mind quack
>Get diagnosed with crippling depression
>Say you cant work you get panic attacks constantly
>Get autism bux

>> No.12407787
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12407787

>>12407097
Almost 26 here and mommy still washes my clothes and cleans the dishes.
Comfy

>> No.12407888

>>12406519
this and only use the car when no alternative transport available.

>> No.12407937

I take home £1800

Mortgage is £500
Bills (food etc) is maybe £400-£500

Feels good man

>> No.12408274

Buy a banger fuck leasing
Work it or get a PT job
Fuck a gym membership

Stop being retarded

>> No.12409120

>>12406261
>monthly income after taxes: $10,000
>monthly expenses: $2,000
Who else took the /oil/ pill and gonna make it?

>> No.12409193

>>12406618
what kind of car. it sounds like it's too expensive. You can finance a 5-7 year old corolla that will last 150k+ more miles for well under $200/month and it will retain value reasonably well