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Started By
Message
re: How can folks afford to live their lives today?
Posted on 9/12/23 at 7:26 pm to TigerGM
Posted on 9/12/23 at 7:26 pm to TigerGM
quote:
Things are tight. Wife and I together make about 250-275 based on bonus. Also have a rental house that brings in 30k a year but it still tight. We have just house debt and only a few thousand left on hour vehicles.
Gtfo with this bs
0
Posted on 9/12/23 at 7:28 pm to TigerGM
quote:
Things are tight. Wife and I together make about 250-275 based on bonus. Also have a rental house that brings in 30k a year but it still tight. We have just house debt and only a few thousand left on hour vehicles.
This is peak OT.
Posted on 9/12/23 at 7:32 pm to Loup
quote:
Just never really wanted to have them until we felt settled enough
If you are waiting until you are "ready" then you never will.
quote:
We aren't scared of having kids
Posted on 9/12/23 at 7:34 pm to JohnnyKilroy
Yeah, I don't think 'tight' should be in his lexicon
Posted on 9/12/23 at 7:38 pm to Sao
What's kinda sad(?) is that it's possible he isn't trying to troll. His perspective is just THAT fricked.
There was a guy on the money board a week or two ago that owned multiple income producing rental properties, had just moved into a bigger house to accommodate his growing family, AND had a non-negotiable 10% donation to his church.
His thread was a bitch session about how tough it was for the average middle class guy to get ahead...
There was a guy on the money board a week or two ago that owned multiple income producing rental properties, had just moved into a bigger house to accommodate his growing family, AND had a non-negotiable 10% donation to his church.
His thread was a bitch session about how tough it was for the average middle class guy to get ahead...
This post was edited on 9/12/23 at 7:40 pm
Posted on 9/12/23 at 7:40 pm to RB5
Don't buy things you can't afford. Too many people are doing this and digging themselves into deeper debt they struggle to get out of
Posted on 9/13/23 at 8:27 am to Howyouluhdat
The depletion of savings started when I got my windows replaced. That was just something I had been wanting to do. It was voluntary, but since then it has been a constant parade of shite.
Had several plumbing failures... and had to have my house repiped, my waterline replaced from the meter to the house, and the drainline rerouted. This all required a lot of concrete to be busted up, and ultimately a patio replaced.
Separately the toilet was running and my son took the lid of the tank to move the flapper. He dropped the lid and and it cracked the bowl. This was relatively minor.
The transmission went out on my son's car. Since we were having that replaced I also had his AC compressor replaced as he had been driving with no ac for a while.
My daughter needed an emergency surgery which drained my HSA in December. Next month right after deductible starts over I needed a surgery, so that was out of pocket.
Firebox on my fireplace had to be replaced. In hindsight I should have put this off, and just not lit fires for a while.
Valve on water heater failed and it spewed water until i discovered it. Overfilled the pan, and leaked down a wall cavity. Had to replace the water heater and a bunch of sheetrock and paint.
Then the transmission went out on my truck. Was 2000 miles over the manufacturer warranty. I tried to get a goodwill discount, but they wouldnt budge.
Two months after I replaced the transmission I hydroplaned on i10 and totaled my vehicle. Had to replace the vehicle.
Lightning struck a big tree in my yard, and it had to be taken down. Before the tree guy could get there some big limbs fell destroying several sections of fence.
During that bad storm a few weeks ago a limb fell on my house ripped my gutter off and messed up the fascia.
One Hvac unit went out in July, it was 18 years old. In August the other unit went out. It was only 16 years old.
Had several plumbing failures... and had to have my house repiped, my waterline replaced from the meter to the house, and the drainline rerouted. This all required a lot of concrete to be busted up, and ultimately a patio replaced.
Separately the toilet was running and my son took the lid of the tank to move the flapper. He dropped the lid and and it cracked the bowl. This was relatively minor.
The transmission went out on my son's car. Since we were having that replaced I also had his AC compressor replaced as he had been driving with no ac for a while.
My daughter needed an emergency surgery which drained my HSA in December. Next month right after deductible starts over I needed a surgery, so that was out of pocket.
Firebox on my fireplace had to be replaced. In hindsight I should have put this off, and just not lit fires for a while.
Valve on water heater failed and it spewed water until i discovered it. Overfilled the pan, and leaked down a wall cavity. Had to replace the water heater and a bunch of sheetrock and paint.
Then the transmission went out on my truck. Was 2000 miles over the manufacturer warranty. I tried to get a goodwill discount, but they wouldnt budge.
Two months after I replaced the transmission I hydroplaned on i10 and totaled my vehicle. Had to replace the vehicle.
Lightning struck a big tree in my yard, and it had to be taken down. Before the tree guy could get there some big limbs fell destroying several sections of fence.
During that bad storm a few weeks ago a limb fell on my house ripped my gutter off and messed up the fascia.
One Hvac unit went out in July, it was 18 years old. In August the other unit went out. It was only 16 years old.
Posted on 9/13/23 at 8:37 am to BlackAdam
Damn man. Well hopefully the family is healthy.
Posted on 9/13/23 at 8:56 am to bayoudude
eah it’s a good $40-50 to even cook a modest meal these days for my family of five if I want any left overs.
———
No way. You cooking steaks?
Lot of folks use this reasoning to just eat fast food.
As an example. Red beans and rice , add sausage. $8 -10 max. Feed 10 people on that.
Many chicken and pork recipes for meat that’s pretty cheap. Can buy a 10# bag of leq quarters for under $10.
———
No way. You cooking steaks?
Lot of folks use this reasoning to just eat fast food.
As an example. Red beans and rice , add sausage. $8 -10 max. Feed 10 people on that.
Many chicken and pork recipes for meat that’s pretty cheap. Can buy a 10# bag of leq quarters for under $10.
Posted on 9/13/23 at 1:28 pm to mtntiger
quote:
Stop paying for/buying stuff unless you absolutely need it.
Cut out the pay channels and subscriptions. Any memberships to clubs have to go. Buy off-brand products at the grocery store.
Learn to grow your own veggies and some fruit. Hunt for your meat or learn to fish.
Sell your big arse house and downsize. Sell the new car/truck, and get a used one.
If our great grandparents could make it through the Great Depression, then we can survive Brand Dead Joe.
This is a Brand Dead post.
Posted on 9/13/23 at 2:06 pm to Demshoes
quote:
Car ins for two: $250/month total
quote:
Where is this magical land??
Car insurance for 3: $148/total. Granted, we have older vehicles that are paid off.
Posted on 9/13/23 at 2:12 pm to TigerGM
quote:
Things are tight. Wife and I together make about 250-275 based on bonus. Also have a rental house that brings in 30k a year but it still tight. We have just house debt and only a few thousand left on hour vehicles.
Then your house is too expensive.
Posted on 9/13/23 at 2:14 pm to cheobode
quote:
Almost half of Americans — 47% — say achieving retirement security will take a miracle, according to a new survey from Natixis Investment Managers.
quote:
48% said they expect to face tough trade-offs in retirement.
The most common sacrifice cited, with 42%, was living frugally. Other trade-offs people said they expect to make is working in retirement or moving somewhere less expensive, each with 31%; relying on family or friends to make ends meet, 28%; or having to sell their home, 26%.
Posted on 9/13/23 at 4:01 pm to HeadedToTheWoods
quote:Saw this and was thinking the same thing:
eah it’s a good $40-50 to even cook a modest meal these days for my family of five if I want any left overs.
———
No way. You cooking steaks?
Lot of folks use this reasoning to just eat fast food.
As an example. Red beans and rice , add sausage. $8 -10 max. Feed 10 people on that.
Many chicken and pork recipes for meat that’s pretty cheap. Can buy a 10# bag of leq quarters for under $10.
Hell, you can by two chickens from Walmart for $13, a 10 lb bag of potatoes for $10, family sized mac n cheese $6, broccoli for $5-6. What the heck.
Had an argument w my fat a$$ed buddy, he claims he eats fast food for lunch everyday ($15) because it's cheaper than making a decent salad at home.
I guess people look at me and think my skinny butt is poor. They don't know I'm just a cheap a$$.
People just don't eat they way we did 30-40 years ago. Back then most of the population ate to live, not the other way around.
Posted on 9/13/23 at 4:06 pm to JohnnyKilroy
I get shite on here when i say ~100k isn't that much, especially if you're supporting a family
it's strange what gets picked up on and what doesn't
it's strange what gets picked up on and what doesn't
Posted on 9/13/23 at 4:19 pm to GreatLakesTiger24
quote:
I get shite on here when i say ~100k isn't that much, especially if you're supporting a family it's strange what gets picked up on and what doesn't
It really isn’t that much. A little retirement savings, insurance and taxes and it’s around 5500 a month.
It’s crazy to think that this is 25% or so more than median family income.
Posted on 9/13/23 at 5:29 pm to chrome_daddy
fast food isn't cheap any more
Posted on 9/13/23 at 5:31 pm to thegreatboudini
Serious question…how much does your wife make to justify spending $1700 in child care?
I ask because I have a buddy with 3 younger kids and his wife is a teacher, yet he’s paying $2400 in child care and she makes $48k.
I asked him where is the return in that and he said “she gets a retirement” in a long future ahead…
I don’t see how childcare is worth the $ to go to a job where you’re literally paying more than 1/2 of what she clears to teach other people’s kids…I asked why doesn’t she just stay home and teach your kids?
Blank stare in return…
I ask because I have a buddy with 3 younger kids and his wife is a teacher, yet he’s paying $2400 in child care and she makes $48k.
I asked him where is the return in that and he said “she gets a retirement” in a long future ahead…
I don’t see how childcare is worth the $ to go to a job where you’re literally paying more than 1/2 of what she clears to teach other people’s kids…I asked why doesn’t she just stay home and teach your kids?
Blank stare in return…
Posted on 9/13/23 at 6:22 pm to DefensorFortis
quote:
I ask because I have a buddy with 3 younger kids and his wife is a teacher, yet he’s paying $2400 in child care and she makes $48k.
I asked him where is the return in that and he said “she gets a retirement” in a long future ahead…
I don’t see how childcare is worth the $ to go to a job where you’re literally paying more than 1/2 of what she clears to teach other people’s kids…I asked why doesn’t she just stay home and teach your kids?
That makes a ton of sense from his perspective. Giving up a career for a temporary expense (daycare costs don’t last forever) would be shortsighted. His wife is doing the right thing.
Not to mention, she’s still bringing in some money. It’s not like it’s costing them money for her to work. Sooooo. . .
This post was edited on 9/13/23 at 6:24 pm
Posted on 9/13/23 at 6:26 pm to lnomm34
quote:
Not to mention, she’s still bringing in some money. It’s not like it’s costing them money for her to work. Sooooo. . .
They might get their insurance from her job too.
There are legitimate reasons to still work even if a large chunk of your pay goes straight to daycare.
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