Monthly living expenses thread

[Anonymous No.55077423]

>mortgage payment including tax and insurance:
$1938
>HOA:
$220 (covers pool, landscape, snow, mowing, etc)
>Home maintenance:
$300
>Car property tax and registration:
$115
>Utilities (internet, phone, electric, gas, water) averaged out per month:
$372
>Food: $400

Total about $3500/mo

[Anonymous No.55077452]

>>55077423
reminder that the only people claiming "rentoids btfo" are flyoverniggers living in a $120k shitbox in central nebraska.

[Anonymous No.55077459]

>>55077423
A bit silly to pay tax on a car you don't drive

[Anonymous No.55077505]

>rent: £400
>council tax + water: £110
>gas and electricity: £100
>mobile and broadband: £60
>petrol: £120
>food (could easily spend less on this): £300
Total: £1090
Income: £2000 after tax

I do have quite a lot to pay in loans and credit cards though.

[Anonymous No.55077510]

>>55077423
I pay $900 on rent , about $250 for utilities plus internet plus cell, $80 on car insurance. $400 on food. I take home $5100 a month. Rest goes into silver and gold 100:1 ratio. I stack about $3000 a month.

[Anonymous No.55077513]

>>55077459
It’s a Tesla model 3, I pay over 1000 a year in property tax on it to the great state of Virginia

[Anonymous No.55077569]

>>55077505
>rent: £1000
>council tax + water: £110
>gas and electricity: £50
>mobile and broadband: £40
>food: £300

[Anonymous No.55077598]

>>55077569
Your gas and electricity is dead cheap anon, is it an energy efficient building?

[Anonymous No.55077610]

In Canada so these are all leaf prices.
Rent 1600
Electricity 130
Food/Eating out/Delivery, anywhere between 500-1100 depending on how lazy I am
Cell Phone 40
Internet 140
Tenant Insurance 22
Car Insurance 110
Car Maintenance/Gas 105
Clothing and Hygiene products 80
Entertainment/games/hobbies/computer parts 200

Total monthly is somewhere between $2927 and $3527

I don't drive much, 15 minute commute.
Usually buy clothing/hygiene stuff like shampoo, soap, cleaning products, etc. once or twice a year as needed and then divide it by 12 to get an average.
Rent is super lucky, it's a 2 bedroom in rent controlled apartments so it can only go up 2% unless I get renovicted, but it's a big corporation that hasn't done anything like that yet and I've been here 8 years. Would be $2200/month if I started renting here today.

[Anonymous No.55077636]

>rent
$1050
>Gas, auto insurance
$200
>Food
$500
>Utilities
$100
>Health insurance
$250
>Other
$400

$2000-$3000 for 2 people depending on the month. Ez mode honestly.

[Anonymous No.55077651]

>>55077569
I think it's pretty good, but mostly I just run hot and only really use heating in the middle of winter.

[Anonymous No.55077656]

>>55077610
How the fuck is your internet so high? I pay $40 burger bucks to get fios 300/300

[Anonymous No.55077666]

>>55077651
Meant to be for >>55077598 (you)

[Anonymous No.55077680]

>>55077651
>>55077666
My electricity makes up the bulk of my cost, I have a very inefficient fridge and tumble dryer. I’m lucky my rent is so low though.

[Anonymous No.55077684]

>rent
600

>food
1000

>misc
600

Living in Thailand rn. Income from trading. Could be worse I guess

[Anonymous No.55077692]

>>55077423
cancel your phone and just use apps
if people really need to contact you they will
it will cut down the majority of your wasted time on the device depending on how much your time is wasted by people phoning or texting

[Anonymous No.55077714]

>>55077692
That’s a shitty way to save money, I’m on a family plan and my service is only about $30 for unlimited

[Anonymous No.55077720]

>>55077656
This is after tax price, it's fibre internet, and bell likes to rape its customer base.
There's 3rd party providers for cable but not for fibre internet, bell gets a monopoly in my building and literally can't get internet from anywhere else.
Just checked what's offered and there's a $1 cheaper package but they charge you $15 just to change your package

[Anonymous No.55077751]

>>55077720
Yeah monopoly in building fucks you over been there before

[Anonymous No.55077769]

>>55077684
If you ever need money, try tutoring Chinese people online. You're in the right time zone so that could help.

[Anonymous No.55077849]

>>55077423
>150€ food
>300€ living expenses
>50€ public transportation
>150€ everything around the car (depreciation, repairs yadayada) I never use it, I just like to own one
>germany
I inherited property so I dont have to pay gay faggot rent. People tell me I live like a bum even though I have money.

[Anonymous No.55077967]

£320 mortgage
£20 Water
£50 Electric/Gas
£24 Internet/landline
£90 Local tax
£240 Food
£744 Total

[Anonymous No.55078028]

625$ a month in America
No job for 8 yrs
No I will not elaborate

[Anonymous No.55078329]

>>55077967
>£320 mortgage
How?

[Anonymous No.55078347]

>>55078329
Wow, that is the height of bad taste. I wonder what these people would make of the deano meme.

You can still buy a nice flat where I stay for under £100k, so I’m not overly shocked to see someone with a £320 mortgage.

[Anonymous No.55078511]

Ireland cuck

Mortgage 600
Utility 140
Food 350
Petrol 110
Insurances 90

3300 net

[Anonymous No.55078562]

>rent
Live with my mom, I pay her $400/mo
>car stuff
Like $400/yr in registration, maybe $100-$150/mo in fuel, $60/mo in insurance, ~$2000k/yr in maintenance (mostly elective because I like my car and like to take care of it)
>food
Not sure. Probably $500 in fast food, mostly chick-fil-a, some culvers, occasional five guys.
>misc
I probably spend at least $2000/month in random stuff that I just feel like buying. Got me a $1900 herman miller aeron a couple days ago.

[Anonymous No.55078581]

>>55078347
Where's that roughly, is it nice to live in even if not rich?

[Anonymous No.55078608]

>>55077423
> rent + related expenses
$1800
> food
$700 (cook myself but like beef)
> healthcare
$300
> monthly bills
$150
> Misc
$200

> Salary, after payroll
$8'600
> Taxes
~$1'800
> Savings per month
$3'650

savings goes 33/33/33 into cash/VT/BTC

> Swiss btw

[Anonymous No.55078629]

>>55078581
Inverkeithing, Fife. The town itself doesn’t have much going on and is a little rough but it’s 25 minutes on the train to Edinburgh which is nice and about ten minutes drive to the nearest decent sized supermarket. Also my work takes me to Glasgow, Edinburgh and Dundee which can all be reached in under an hour’s drive so it’s a perfect location for me.

I’m dreading the day the landlord realises he’s undercharging me for rent and chooses to sell or not renew the lease as the rent freeze prevents him from taking it to market rate. I really should be paying £650 for a one bedroom flat.

[Anonymous No.55078663]

>>55077423
>Eating out ever night:
$500

Total about $500. I work less than fifteen hours a week.

[Anonymous No.55078926]

>>55077423
midwest
single
monthly averages for first 5 months

required...
rent = 1250
renters insurance = 25
water/sewer = 25
electric = 105
internet = 80
phone = 70 (although i get reimbursed 120 by work)
groceries+home consumables = 460
auto insurance = 45
auto gas = 60
auto parking/tolls = 5
auto maintenance = 75 (actually 15 so far, but that's abnormally low; i use 75 to account for things less than annual, such as new tires, etc.)
haircut = 20
subscription prime = 12
subscription amex = 8 (saves me money, since i get 6% off on groceries)
subscription security cams = 4


optional stuff...
restaurants = 30
out of home entertainment = 40
home items = 25
computer components = 40 (actually averaging this over last 3 years)
board games = 55
video games = 5
clothes = 30
tools = 50
gifts = 45

2244 required
320 optional
2564 actual total

take home pay (after taxes, deductions, retirement contributions) + dividends/interest is 6650/month

[Anonymous No.55079029]

>>55077510
dangerously based

[Anonymous No.55079577]

Rent + water: $450
Electricity: $85 quarterly
Phone: $24
Car insurance + tax: $80

I live in a room with shared bath and kitchen in Denmark
Use as much on fuel in a month as I pay in rent because I just want to night drive and larp as Gosling.

[Anonymous No.55079627]

>>55077610
>Rent 1600
What city is this i wonder. My mortgage is under 1k a month... 1600 to mr shekelstein... ouch

[Anonymous No.55079662]

>Rent/mortgage/HOA
Live at home, so $0

>Utilities
Help my parents out with some utilities each month, so like $300-400 usually

>Fuel
Work from home, so like $50 a month maybe

>Other car stuff
On average maybe like $300 a month between repairs, maintenance, insurance, etc.

>Food
Maybe $200 a month on my own food, I usually just grub dinner from the parents

>Gym
We have a home gym so $0

>Health insurance
Provided free of charge by my job

>Other
$300-400 on misc expenses (cell phone, skincare, fun, etc.)

[Anonymous No.55079665]

>>55078926
>video games = 5
Wat

[Anonymous No.55079678]

>>55079577
what kind of cuckmobile do you larp around in in denmark?

[Anonymous No.55079686]

>>55079665
bought a game for $25, 5 months into year, so 5 average

[Anonymous No.55079771]

>>55078608
Gonna go to zurich in the fall anonchad, what should I do?

[Anonymous No.55079989]

>>55079771
As in visiting? Zurich is quite boring desu (mostly business oriented), go check out Bern, Lucerne, Locarno, Lugano...

[Anonymous No.55080060]

>>55078329
For a culture that prides itself on handling the banter, the rising popularity these day-glo veneers in reaction to the “Brits have crooked teeth” meme is both funny and sad.

[Anonymous No.55080107]

>>55077423
>>mortgage payment including tax and insurance:
>$1500
>>HOA:
>$500 (covers pool, landscape, snow, mowing, etc)
>>Home maintenance:
>$30
>>Car property tax and registration:
>$2
>>Utilities (internet, phone, electric, gas, water) averaged out per month:
>$350
>>Food: $0
Wife pays for food
>Total about $2382/mo
Monthly pay is about $8800 or $4400 every 2 weeks

[Anonymous No.55080142]

>>55077423
$490/month in hoas and taxes on my apartment (paid $95K cash so no mortgage)
$80 in electric/internet
$125 for a parking spot for my car (paid off, 19 year old corolla)
$115 for my phone bill/phone payment
$350-450 on food
$300 in random fun expenses
$100 on a CTA pass

So my expenses are around $1.6k/month.
I get paid $2.4K/bi-weekly after all my deductions, which includes a ~$850/paycheck contribution to my 401K

I guess I'm doing okay.
Might save up and start a business or something. Maybe travel? Idk

[Anonymous No.55080150]

>>55079627
It's in Waterloo, Ontario
If you think that's bad you should see the mortgage rates, $3k+ unless you put down a fat down payment.
Even "affordable" apartments have $1800/mo mortgages + $650/mo condo fees.

[Anonymous No.55080250]

>>55080142
i think most people here are significantly underestimating their expenses, even a frugal person is going to have more than 5-10 expenses

[Anonymous No.55080298]

>>55077513
Woodbridge checking in

[Anonymous No.55080620]

>>55077423
>27, remote IT work, 3700 take-home a month, no problems there
>sole income of my family of 4, brother/parents
>dad is a cripple, brother is suicidal, mom takes care of house
>mom says our total expenses are 5000-6500/month
Not sure how much longer I can keep this up lads. Savings are running dry and I hate it here, but if I left then how would they survive ?

[Anonymous No.55080652]

>>55080620
If your dad's a cripple, surely he can get some sort of welfare from the state?

Even lazy assholes with fake made up mental disorders can get money form the state in 2023.

[Anonymous No.55081148]

>>55080620
It's not sustainable, you have a few options you can pick and choose from.
a) your mom gets a job
b) try to cut expenses as much as possible, food banks can help, have your mom cook every meal for everyone, go for calorie dense foods like pasta and buy in bulk.
c) you all move somewhere less expensive
d) dad gets disability money
e) somehow fix your brother so he can contribute
f) abandon them or limit your contributions to them. It's shitty but it's also shitty that they're depleting your savings. Do they expect you to go into debt for them? Where does it end? At the very least you need to have that conversation about the future, you need to be able to build retirement savings.

>mom says our total expenses are 5000-6500/month
This seems high. I assume you're all living together? Is it a rental or mortgage? Car payments? Figure out where the money is going exactly.
Renting a 4 bedroom house + food + utilities you should be able to be able to keep expenses under 4k/mo in most countries, especially if you're willing to move 2-3hrs from any expensive area which you can do as a remote worker.

[Anonymous No.55081257]

>>55080250
You can tell that the only people with real budget numbers are anons like
>>55078926
who actually (1) don't "forget" recurring basics like cell phone bill and health insurance, and (2) amortize out occasional costs like car maintenance and home consumables

[Anonymous No.55081266]

>>55077423
Where the fuck so you live that your car registration is $115 monthly? This could only be in a commonwealth country.

[Anonymous No.55081307]

>>55080150
Small town BC reporting in, $1150/month mortgage after renewal last year. Basement rentoids pay $1000/month rent.

[Anonymous No.55081317]

>>55081266
Virginia, car is worth 40k and they charge property tax on it. Few percent a year

[Anonymous No.55081355]

>>55077423
>Rent
$645, utilities included
>Food
~$100, i eat sardines, ramen, eggs & veggies
im still on my parents phone plan, dont have a car (or license) and sneak into my old uni gym
i make $110k wfh as a swe for a boring mortgage lender

[Anonymous No.55081558]

>rent $850 ( include all utilities SoCal - no AC or dish washer )
>car is fully paid ( was 26% APR SCAM - my 700 credit score - I was paying +1000 every month direct to principal )
>live 5 minutes away my job ( $50 gas $85 for car insurance got into crash last season was $50)
>2 days a week I can have lunch at home other days fast food or mexican food $10 ) -> total of $200 + $200 supermarket
>mint mobile $360 + tax a year for unlimited plan
>usually I go out 2 times a month $250 ~tinder~ and sometimes get the lucky free hiking or coffee date
>2 festivals a year $1800 ( $150 a month )
>$50 for computer parts and steam games
>$50 cloths a month
>$35 gym
>I don't drink much or do drugs but from time to time I do spent like $50
>cut my own hair
>wageslave free health care
>6%+4% match 401k

>take home after tax 4000 ( over time included )

>Save 2k + $400 in 401k - SPY500

>$300 BTC
>$600 ICP
>$100 CRO


>$200 PCG
>$200 PYPL stock
>$200 NIO
>$400 AMD


I always have 5k in saving account.

[Anonymous No.55081574]

>>55077423
>Mortgage
Imagine being such a poor goyim cuck that you don't own your home
>Food
This is rough. Your diet should be mostly eggs and veggies which should be $100/week or two but if you want that meat and slightly luxury I can't hate on $200/week
>Everything else
No. Pussy should cost you $1000/mo for dates events etc. You should be making at least 8k/mo minimum anyway if you aren't a poor cuck.

[Anonymous No.55081576]

>>55081307
congrats anon, unironically living the dream, I wish I could get those kinds of numbers anywhere near my work

[Anonymous No.55081597]

>>55081574
>rough. Your diet should be mostly eggs and veggies which should be $100/week or two but if you want that meat and slightly luxury I can't hate on $200/week
I get 1 pussy a month no way I'll spent $1k into roasties or Stacy from HR.

[Anonymous No.55081608]

>>55077423
>Mortgage including HOA, insurance, heating and service costs
1050
>Electricity
70
>Phone and Internet
65
>Car
90 (excl. Petrol)
>Groceries
150-200

Euro btw

[Anonymous No.55081782]

>>55077423
>property tax
>car
Do burgers really? And you retards have the audicy to say europoor has high taxes lmaoo

[Anonymous No.55082097]

>>55077505
400gbp is cheap even for my third world shithole i thought rent was expensive in the west?

[PEPL holder No.55082144]

>>55077423
2k mortage per month??? Do you live in Dubai or something??

[Anonymous No.55082160]

Rent 2500 shekels
Groceries 650 shekels
Eating out 100 shekels
Travel 2500 shekels

Total less than 6000 shekels a month . But it could be much less if I didn’t fly so much for holidays .

[Anonymous No.55082212]

>>55077423
>Rent: €850
> Utilities, with mobile and internet: €200
>Food: €250
>Miscellaneous: €150-200
>No car since urbanite
Total ~€1.500
Income: €4.500

Recently broke up with my ex-fiancee so now rent essentially doubled.

[Anonymous No.55082246]

>>55077423
>$0
Occupation: College student
>Everything paid for by boomer parents

[Anonymous No.55082280]

Income
$6000
Rent
$550 (developing shit hole)
Utilities
$350
Tax
$300
Food
$500 (eat like a king)
Misc
$300 (stuff to keep me sane)
Savings
$4000

[Anonymous No.55082515]

>>55077684
Also living and Thailand and this is pretty similar to my expenses. I could save money if I wanted on food, but I like getting food delivered everyday for cheap. I also pay about $3k/year for international health insurance (including US coverage) for when I travel.

[Anonymous No.55082524]

Mortgage:
£700
Electric:
£150
Gas:
£100
Food:
£700 (4 kids)
Petrol:
£300 (guessing)
Other stuff:
£1000
Income:
£5500 (joint)

[Anonymous No.55082536]

>>55077423
>Bills
40$
>Rent
70$
Feels good living in Eastern Europe

[Anonymous No.55082548]

I live with my papa and he not only charges no rent but pays me a very decent rate to help him run his gym franchise giving me tons of free time to focus on studying and doing programming projects
>car
$291
>food
~$50-$200
>random nonsense
~100-400/month depending on how consoomy I feel
I love my dad so much it's unreal

[Anonymous No.55082578]

>>55082548
Based dad
>>55082536
Food is about 50$
Income is 850$

[Anonymous No.55082596]

800 room
1000 food and entertainment
150 clothing
500 for retarded stock bets such as bbby and poker
1000 saved
Ngmi

[Anonymous No.55082652]

>>55082212
why did you break up?

[Anonymous No.55082705]

>>55077423
>rent: $1640
>utilities: $60
>groceries: $200
>phone+internet: $90
>car insurance: $150
>gym membership: $115
>other: $200

Total: $2455

I probably take home about 3k, so it's not going great. Would like to pay less rent, but in NYC this is the best deal possible on a 1-bedroom.