/biz/ - Business & Finance

[Anonymous No.51215748]

>direct deposit: $1050.45 twice a month
>rent: $1100

[Anonymous No.51216168]

>>51215748

It’s over

[Anonymous No.51216192]

>>51215748
I have no sympathy for cityfags

[Anonymous No.51216218]

>>51215748

[Anonymous No.51216241]

>>51215748
rent is only half your monthly income?

lucky

[Anonymous No.51216248]

>>51215748
You should have no problem living on that if you're single and not a consumer

[Anonymous No.51216253]

I get $1500 a month just because I told the doc I have ptsd from the war. unlike you losers I get paid to be suicidal

[Anonymous No.51216268]

you need to increase your income or move back in with mom and dad

[Anonymous No.51217036]

>>51216248
this

how do you people spend more than 1000 bucks a month?

[Anonymous No.51217404]

1100 sounds cheap.

[Anonymous No.51218277]

>>51217404
dont worry for 1100 dollars your landlord gets to buy $1,100/$3.73 ~= 300 pounds of chicken breast every single month.

[Anonymous No.51218429]

>>51217036
I pay over 1k every month on just one of my credits alone. I have a family and pets though. Plus we eat healthy high quality food

[Anonymous No.51218442]

>>51218277
A pound of chicken breast is more like 5 bucks where I live.

[Anonymous No.51218589]

That's actually pretty decent, what are you talking about?

[Anonymous No.51218621]

>>51215748

Bro why are you making so little

[Anonymous No.51218664]

>cheaper rent via roommates
>cheaper rent via leaving the city
>more income via changing your job

pick at least one or suffer

[Anonymous No.51218734]

>2600 a month net
>live with my mother at 30 paying $500 rent

I was making 2200 net and my rent was 1300. I was so tired I but I bit the bullet and moved back home. Best decision I have ever made. For the first time since turning over 18 I have 5k sitting in my checking just cause

[Anonymous No.51218735]

>>51216248
>>51217036
are utilities, cleaning supplies, food, and clothing irrelevant here or what

[Anonymous No.51218787]

>>51218734
>live with my mother at 30 paying $500 rent
Do
Americans
Really
?

[Anonymous No.51218788]

>>51218734
Same here. 20k saved up and the rest in crypto. Will be staying with mum until housing market calls off/crashes and then move out lol

[Anonymous No.51218859]

>>51218787
Where I was when I moved back home

10k credit card debt

[Anonymous No.51218898]

>>51216192
look at rent in fair banks alaska
>nb4 alaska is cityfags

[Anonymous No.51218909]

Paid it off and putting money in brokerage now. Hoping to buy a house some day. The cash in my checking/saving is my emergency fund.

People look down on me but working to go into debt every money was making me suicidal

[Anonymous No.51218912]

>>51218735
To richfaggots/inheritence faggots who haven't worked a single day in their life or paid a single bill yes this makes perfect sense to them
In reality I make around the same IF I work my full 80 hours every two weeks but I don't because of neurological damage making it nearly impossible to work more than 3 days in a row.

Between medical/food alone I barely am able to pay my rent, infact I'm ALWAYS behind I haven't even had power for the last three months.

[Anonymous No.51218920]

>>51218787
for every single generation except for baby boomers, yes, yes they do

[Anonymous No.51218971]

>>51218912
you probably need to get on disability or something dude

[Anonymous No.51218972]

>>51218735
Utilities - 100-200
Cleaning supplies - ???? Who buys cleaning supplies every month.
Food- Less then 200 if you cook for yourself and don't eat out.
Clothing- Who buys clothing every month are you a femanon? I only buy new clothes when they get broken down.

[Anonymous No.51219008]

>>51218971
Takes over a year, been working on it for 13 months, goodluck getting on disability after covid, was for richfaggots kids who had them illegally diagnosed as children so they could give them free money.

Unless you're a woman, black or a child you aren't getting disability.

[Anonymous No.51219011]

>>51216253
Did you have to tell your employer?

[Anonymous No.51219062]

>>51218972
my electricity bill alone was 130 last month
> Cleaning supplies - ???? Who buys cleaning supplies every month.
people with families, people that don’t want roaches, etc
> Food- Less then 200 if you cook for yourself and don't eat out.
two years ago sure, and that’s only if you just are cooking the most basic shit to subsist without any thought of variety or seasoning. 300 is a more reasonable monthly amount
>Clothing- Who buys clothing every month are you a femanon? I only buy new clothes when they get broken down.
bad hygiene and generally appearing unpresentable does not make you masculine
god help him if he has an emergency

[Anonymous No.51219120]

>>51219062
I owe 700-1400 electricity, they are trying to make me pay my former tenants bill before I moved in, which is bullshit but they aren't budging short of lawyering up which i can't fucking afford.

[Anonymous No.51219125]

>>51219008
that sucks
what is your condition exactly

[Anonymous No.51219142]

>>51218972
Me living alone in a shithole apartment was something like this

>rent 1300
>Electric 100
>auto insurance 80
>car payment 300
>food 250
>gas 100
>internet 80
>bjj gym 110
>audible 15


A $300 expense I wasn’t expecting would wreck me and they did

[Anonymous No.51219150]

>>51216192
Kek if OP lived in your corn-schucking flyover state he'd be making $1000 every 2 months.

[Anonymous No.51219235]

>>51219142
I’m also forgetting phone bill and semi annual stuff like P.O. Box, renters insurance, drivers license renewal, and I’m sure more

[Anonymous No.51219270]

>>51215748
>make 20/hr
>~80 hours every two weeks
>~1300 each paycheck
I fucking hate taxes so much

[Anonymous No.51219303]

>>51218735
Those don't cost $1k a month. Presumably OP is a citycuck and doesn't need a car. I make 65k a year and my mortgage is the same as OPs rent and I have a new car and I'm still able to put away at least $500 a month, and that doesn't even include 401k/HSA contributions.

[Anonymous No.51219302]

>direct deposit: 2200 twice a month
>rent: $550

op u need to come to texas.

[Anonymous No.51219326]

>>51218735
how much does all that cost?

you probably eat too much, you fatty

[Anonymous No.51219362]

>Direct deposit: 5500 twice a month
>rent: none because I live with my parents

[Anonymous No.51219383]

>>51219125
Part of my problem doctor's aren't sure, I think it's either MS or Lyme disease but MRIs didn't show MS lesions in my brain, yet I've got all the same conditions.

[Anonymous No.51219512]

>>51218735
>clothing
Lmao, every single time.

[Anonymous No.51219558]

>>51219120
i weigh 175 at the moment as an amateur boxer so I’m not fat. I spend around 300 a month just on food
>>51219303
HSA is tax free, and you’re making nearly 1500 a month more than him after tax, that doesn’t surprise anyone

[Anonymous No.51219640]

>>51219383
unfortunate
>>51219512
yes, you’re a slob if you’re not buying new clothes regularly and getting rid of old ones

[Anonymous No.51219701]

>>51215748
>direct deposit: €2800.00 each month
>rent: €920.00

its ogre. im considering a side hustle for the weekends, life is unsustainable.

[Anonymous No.51220168]

>>51219558
After taxes? You must not be an American. If he has an HSA, he still needs to pay health insurance premiums, but they are a bit lower, Mr. Non-American. He might make 1k more after deductions, but if he’s paying for a car, insurance, and commuting (gas, something never mentioned on this zoomer incel board, is my second highest expense), plus saving $500, that accounts for it. He probably makes 1500 a month more BEFORE deductions, but if OP is talking about what gets deposited into his account, that’s irrelevant. OP is still in a bad spot, but if he doesn’t need a car, that’s a huge boon.

[Anonymous No.51220201]

>>51215748
>direct deposit: $1050.45 twice a month
nice me too. but i only work 1 day/week

[Anonymous No.51220284]

>>51215748
I get $250 a day because im a criminal and the mental hospitals are full

[Anonymous No.51220285]

>>51215748
They aren't charging you enough then. Why do you think you deserve to save any money at? If you save any money at all, someone isn't charging you enough somewhere.

[Anonymous No.51220335]

I got you beat.
Direct deposit: 2068/monthly (I get paid once a month, last working day of the week)
Rent: 1450/monthly (1st of the month)

Sometimes I wonder how I still haven't blown my brains out yet.

[Anonymous No.51220365]

>salary: $70k
>denomination: CAD

[Anonymous No.51220453]

Reminder that if you bought some wasteland and built the most beautiful and self-sufficient place to live the government would come around and start demanding a piece and or find a reason to shut it down / sell it to banks.

[Anonymous No.51220676]

>>51215748
Did you have a roommate that left you hanging?

[Anonymous No.51220749]

>>51218734
That’s $500 too much capiche

[Anonymous No.51220812]

>>51215748
Gotta love that slurp of THREE PAYCHECKS this month.

[Anonymous No.51220880]

>>51216192
I live in the woods and I pay the same for my rent. Rent in the city is a lot more.

[Anonymous No.51221055]

>>51219142
You're spending too much for your income level. My entire monthly expenses are something like $2,000 and my bi-weekly pay is roughly $2,100 after taxes. You need to keep expenses below 50% if you want to live comfortably and survive "rainy days" without putting yourself into debt. Once you enter unsecured debt it becomes a poverty death spiral that you'll never get out of.

[Anonymous No.51221080]

>>51216218
>Greg Coomer
>Coomer
kek

[Anonymous No.51221125]

>>51215748
>direct deposit: $3700 twice a month
>rent: $500 to my family
Yes I'm white, how could you tell

[Anonymous No.51221130]

>>51218787
They dont because they got kiked, but euros do if you try to imply they dont

[Anonymous No.51221159]

>>51219062
How does hygiene and new clothes relate? You know you can wash clothes, you dont need to throw them away after one use

[Anonymous No.51221196]

>>51217036
>>51216248
>spending more than 50% on rent
>implying this isn't a major problem
look at any "general" rule of thumb budget and you'll both figure out SOME WAY to cope that this isn't a problem
>>51218735
yeah it is, not to mention healthcare
>>51218972
>Food- Less then 200
>HAHAHAH LESS THAN 200
you will not post your food expenses for the last 6 months.

[Anonymous No.51221216]

>>51218787
It's been a growing trend for even well-earning Americans to stay with family because they're tired of throwing away tens of thousands every year on rent, and don't want to buy a piece of shit over-inflated 1950's stick-build house that will lose half its value in five years time and fall apart in 15 years, tops.

[Anonymous No.51221222]

I can’t imagine being a rentcel.

[Anonymous No.51221240]

>>51215748
why are u so poor. european?

[Anonymous No.51221435]

>>51220365
>70k
job?

[Anonymous No.51222308]

>>51215748
>direct deposit: $5200 twice a month
>why yes I work in oil how could you tell?

[Anonymous No.51222350]

>>51216192
>city, 1100
Maybe 20 years ago, dude. I live 30 minutes outside the city and it’s more than double that for a 1 bedroom.

[Anonymous No.51224395]

>>51219302
>lives in Texas for 550/mo

Think I’ll skip living in Odessa

[Anonymous No.51224469]

>>51215748
>direct deposit $1,030 twice a month
>inherited home equity $50 a month for 1650 sq ft house in a nice neighborhood
>less than 5k left to pay it off
PROTIP: be there for your grandparents and ygmi

[Anonymous No.51224568]

>>51218787
The “move out when 18” meme is a big deal here.

[Anonymous No.51224604]

They literally raised my rent today starting 11/1

[Anonymous No.51224862]

>>51218787
either that or living with 2 or more roommates, even with decent income. i'm 30 and ive got literally one friend out of a hundred who lives alone (hes 34 and just got his own place)

[Anonymous No.51224878]

>>51224604
figure out how to dispute it or just tell him "no". Thats more than 50% extra

[Anonymous No.51225245]

>>51224862
>ive got literally one friend out of a hundred who lives alone
What's the point of buying a place and living on your own if you're not at least partnered? I am also in my 30s and live with a roommate who's a also a good friend, because I find it hard to justify tying myself to mortgage and a place if I don't even have a wife/kids. Sounds like a sure way to die of loneliness.

[Anonymous No.51225274]

>>51225245
not being funny when i say some roommates hate when they can hear you being sexually active. thats my number 1 reason for living without roommates.

[Anonymous No.51225310]

>1150 twice a month
>rent: $1200

[Anonymous No.51225327]

>>51225274
Did you move out and bought a place so you can to be sexually active? I mean it's a valid thing to consider but idk anon feels like a huge commitment over a small inconvenience

[Anonymous No.51225360]

>>51224604
damn sorry anon that is fucked

[Anonymous No.51225381]

>>51224878
>just tell the person who owns the shelter you are borrowing no
Lmao, thats not how this works rentiod

[Anonymous No.51225385]

the cheapest apartment listed in my city is almost $2,000

[Anonymous No.51225630]

>>51225327
I mean I waited till the lease with my roommates was finished but yes, i got my own place for the express purpose of getting laid at least once a week. this is not financially sound but i like fucking

[Anonymous No.51225694]

>>51219270
Taxes are the price we pay to live in a civilized society bro. You don't like roads or something bro?

[Anonymous No.51225962]

>>51215748
>$1375 twice a month
>rent is $1400
Im moving back in with my parents in November because they need help paying the mortgage. I'll be saving $600 a month in rent and I told them they do not get to bother me or make me do chores. Im moving in for their benefit and I make the rules now. It'll be nice to have mommy make me tendies and do my laundry like the good old days.

[Anonymous No.51226056]

>>51218859
Nice. Pay that off.

[Anonymous No.51226120]

>>51226056
>paying off debt
Do normies really? You know you can just let it go to collections and continue to not pay and then in 7 years its off your record, right? You will never get ahead in life by paying your debts. The elites never do, why should you?

[Anonymous No.51226179]

>>51217036
>mortgage = $1,100
>car payment = $400
>formula, diapers, clothes for the wee ones = $700
>hoa = $200
This is NOT including the rest of our groceries, gas, electric, car insurance, etc.

How in the fuck do you NOT spend at least $2,000 a month?

[Anonymous No.51226212]

>>51215748
have you tried building a mud hud

[Anonymous No.51226398]

>>51226179
>How in the fuck do you NOT spend at least $2,000 a month?
Not him but I take-home about $5000 after taxes and my rent is only $450. Add groceries and shit like car insurance, and the occasional consoom shit and I barely spend the $800 per month. The rest 4200 I throw into investments or just let it rot in my checking. I currently have 20k sitting in my checking because I'm too lazy to plan where to invest it and the savings account pay shit interest of 3% that it might as well not even be worth it

[Anonymous No.51226490]

>>51219303
Lol I save $7k a month

[Anonymous No.51226551]

>>51218898
I hope to God you're born and raised. That city is a suicide factory for transplants.

[Anonymous No.51226819]

>>51215748
you need to debt max OP

[Anonymous No.51226933]

Have you tried being yourself? And showering and getting a haircut and practicing stoicism?

[Anonymous No.51226986]

>>51220812
you son of a bitch

[Anonymous No.51227238]

>>51215748
My budget while working
>make 4k leafbucks a months
600 for rent
50 for phone
100 for electricity
100 for heating
300 for gas
200 to 400 for food depending
total ~1450, leaves ~2.5k for trading

My budget while neeting
>get sent 1800 NEET leafbucks a month
600 for rent
50 for phone
100 for electricity
100 for heating
300 for gas
200 to 400 for food depending
total ~1450, leaves ~350 for trading

My only fun is staring at charts and doing math, and sometimes playing path of exile - which is really just staring at charts and doing math with more steps.

[Anonymous No.51227783]

>>51215748
>over 1200 up to 2 to 3 times a month
>rent is only $750 which includes utilities and garbage pickup

[Anonymous No.51228320]

>>51222308
Downstream?

[Anonymous No.51228339]

>>51226179
>car payment
>hoa

[Anonymous No.51228578]

>>51219383
It's fibromyalgia. Took me 5 years to get a diagnoses

[Anonymous No.51228935]

>>51218909
Which brokerage are you using right now? I'm staking on Freeway, MEXC, and Coinbase to earn good returns and am aiming for financial freedom. I am trying to change my life for the better. Ignore those people who look down on you anon for better days are coming.

[Anonymous No.51229953]

>>51228935
kek dont mention cheap monkey here

[Anonymous No.51230007]

>>51215748
>not locking in a mortgage at low rates for 30mm s pre Covid

My mortgage payment for my 3600sqft house is 988$ per month, will be that for the next twenty something years as inflation rages.

Sucks you doomers missed out on buying a house cause you though “the market will crash any day now”

>MFW my house is also worth 50% more than I paid for it a couple years ago

[Anonymous No.51230166]

>>51216192
I pay that for a studio in a black infested suburb (which is still safer than my previous place in the city)
>find better-
Can't. I'm fourty minutes from the, can't even find cheaper rent an hour and a half away

[Anonymous No.51230199]

>>51219640
what is wrong with you?

[Anonymous No.51230219]

>>51218277
Do rentfags really think that $1100 is profit?

[Anonymous No.51230257]

>>51219362
do you contribute to household bills/groceries, or do your parents earn enough to not give a fuck?

[Anonymous No.51230376]

>>51229953
Are you insane? They're all legit, and fuck yourself for being a noob. Everyone is almost familiar with that. I'd always keep my funds in a safe and regulated system bobos.

[Anonymous No.51230469]

>>51215748
>rent $1100
just walk out? just got where the rentals are cheaper.

[Anonymous No.51230501]

this thread proves that rent control is the way
>tfw paying 500$ for life
>tfw you hear your neighbor rather rent for 180$ instead of buying a house because why would he

[Anonymous No.51230837]

>>51215748
direct deposit: $700 twice a month

[Anonymous No.51230969]

>>51216192
NYC rent for a piece of shit apartment is $3k...
Own a building there so I know that market
But I still live with my dad in one of his spare houses

[Anonymous No.51233666]

>>51219383
it's lupus

[Anonymous No.51234339]

Stop worrying about your pitiful expenses
The solution is not budgeting, it's earning more money

[Anonymous No.51234403]

>>51230501
I’m not going anywhere in life so I’ll drag all of you down with me
Fk u

[Anonymous No.51234475]

>>51219150
I make 3200 a month working a factory job in the middle of nowhere

[Anonymous No.51234542]

>>51219011
Im a disabled vet, thats all they know

[Anonymous No.51234551]

>>51218734
>Two room apartment
>$500 a month
Feels great to live in a regulated housing market.

[Anonymous No.51234686]

>>51230007
>>MFW my house is also worth 50% more than I paid for it a couple years ago
is it? Who is going to spend that kind of money when rates have also doubled?
Paper gains aren't gains retarded zillownigger.

[Anonymous No.51235562]

>>51234686
They’re selling for that much more

[Anonymous No.51235612]

>>51235562
They were back in May. Not so much anymore.